AI Insights

Proactive recommendations from your AI finance team

Cash cliff warning -- 42 days runway

Cash Flow

At current burn rate of N4.5M/month and projected receivables of N3.2M, your cash reserves will be critically low by May 9. Three overdue invoices totaling N8.35M are contributing to the shortfall.

Recommended action: Follow up on overdue invoices (INV-2026-0042, INV-2026-0038) and consider deferring the planned office expansion expenditure.

Revenue concentration risk -- 62% from top 2 clients

Revenue

Dangote Group and Shell Nigeria account for 62% of your Q1 revenue. Losing either client would reduce revenue by over N15M annually. Industry benchmark suggests no single client should exceed 25%.

Recommended action: Accelerate the 3 qualified leads in your CRM pipeline (combined value N16.7M) to diversify your revenue base.

PAYE remittance deadline in 8 days

Compliance

Your March PAYE deductions of N370,000 need to be remitted to LIRS by April 10. Last month's remittance was 3 days late, resulting in a 10% penalty of N33,000.

Recommended action: Schedule the PAYE remittance now to avoid penalties. Set up auto-remittance for future months.

Office supplies spending 34% above benchmark

Cost

Your office supplies expense of N420K this quarter is 34% above the industry benchmark for companies your size. Recurring purchases from Office World Nigeria show no volume discount.

Recommended action: Negotiate a quarterly bulk purchase agreement with Office World Nigeria for an estimated 15-20% savings.

Accounts receivable aging -- N4.1M over 60 days

Risk

Shell Nigeria's invoice INV-2026-0038 (N4.1M) has been outstanding for 36 days and is trending toward the 60-day mark. Historical data shows Shell typically pays within 45 days.

Recommended action: Send a payment reminder to Shell Nigeria and escalate to their accounts payable team contact.

Optimize payment terms -- save 12 days of working capital