v0 platform instance — synthetic AIA-shaped data. All numbers are deterministic from a fixture; chat steers but does not compute.

Finance Ops Cockpit — chat to steer

The batch already ran. Chat explains findings, focuses sections, and re-runs ops with new params.

Drill into a finding

Steer the dashboard

Explain a section

Pre-emptive opener

Here's what I found before you arrived. 10 operation(s) ran against xero_accrec_aia.

  • Revenue vs Plan: YTD NZD 124,050.00 of NZD 142,465.75 (87.1%).
  • AR Chase: NZD 68,800.00 outstanding · NZD 48,400.00 overdue (70.3%).
  • AR Forecast: NZD 53,710.00 expected in next 13 weeks (probability-weighted).
  • Cashflow 13w: NZD 61,150.50 → NZD 113,130.50 (Δ NZD 51,980.00).
  • Concentration: top client TradePillr is 38.7% of last 12 months.
  • Client Health: 7 active · 🟢 1 · 🟡 3 · 🔴 3.
  • Month-End (March 2026): NZD 25,400.00 invoiced · net -NZD 3,370.00 ⚠️ 1 draft(s) to finalise.
  • Runway: indefinite at NZD 61,150.50 cash (avg net cashflow non-negative).
  • GST (Feb–Mar 2026): due 2026-04-28 (13d) — pay ~NZD 8,377.83. 🟡
  • Weekly Briefing: 7 candidate action(s) — top 5 surfaced in the dashboard.

Want me to expand any section, recompute with different parameters, or explain a finding?

Dashboard (sectioned markdown)

AIA Limited (synthetic) — Finance Ops Cockpit

<!-- Composed from 10 op(s). Schema instance: xero_accrec_aia. Ran at 2026-04-15T12:00:00.000Z. -->

Source: Synthetic AIA-shaped fixture (AR + AP + recurring + bank — no real Xero data)

This Week — what to do

MetricValue
Candidate actions7
Top-N rendered5
💸 AR chase2
📈 Revenue1
⚖️ Concentration1
🩺 Client health3
🧮 Cashflow0

Top 5 actions

  1. 💸 Chase Coversure for NZD 14,500.00 — 90 days overdue · highest priority across 6 overdue invoice(s) · total overdue NZD 48,400.00
  2. 📈 Close the YTD revenue gap (NZD 18,415.75 behind plan) — YTD attainment 87.1% — below the 90% warn line
  3. 💸 Review the full chase priority list (6 overdue) — NZD 48,400.00 overdue across 6 invoice(s) — bulk review keeps the list moving
  4. 🩺 Have a hard conversation with Coversure — Tier RISK — NZD 14,500.00 outstanding, 90 days max overdue
  5. 🩺 Have a hard conversation with Acuite — Tier RISK — NZD 11,200.00 outstanding, 60 days max overdue

13-Week Cashflow Forecast

MetricValue
As of2026-04-15
Opening balance (across 2 bank accounts)NZD 61,150.50
Total inflows over 13 weeks (probability-weighted AR + recurring)NZD 62,710.00
Total outflows over 13 weeks (open AP + recurring)NZD 10,730.00
Ending balance (week 13)NZD 113,130.50
Lowest weekly closing balanceNZD 66,850.50 (W1 starting 2026-04-15)

Costs & Runway

MetricValue
As of2026-04-15
Current cashNZD 61,150.50 (2 accounts)
Trailing windowJan 2026 → Mar 2026 (3 months)
Avg cash in / monthNZD 23,250.00
Avg cash out / monthNZD 1,123.33
Avg net / monthNZD 22,126.67
Burn / month—
Runwayindefinite (cash positive)

GST — current period (Feb–Mar 2026)

MetricValue
As of2026-04-15
PeriodFeb–Mar 2026 (2026-02-01 → 2026-03-31)
Return due2026-04-28 (13 days)
Basisinvoice (GST-inclusive amounts)
GST rate15.00%
Output GST (sales)NZD 9,404.35 on NZD 72,100.00 (9 invoices)
Input GST (purchases)NZD 1,026.52 on NZD 7,870.00 (4 bills)
Net GSTPay IRD NZD 8,377.83
AR drafts in period1
AP drafts in period0

Month-End Review — March 2026

MetricValue
As of2026-04-15
PeriodMarch 2026 (2026-03-01 to 2026-03-31)
Revenue invoicedNZD 25,400.00 (5 invoices)
Revenue collected (so far)NZD 0.00
Revenue still outstandingNZD 25,400.00
AP authorisedNZD 3,370.00 (3 bills)
AP paid (so far)NZD 3,370.00
AP still outstandingNZD 0.00
Net (collected − paid)-NZD 3,370.00
AR drafts in period1 (NZD 5,000.00)
AP drafts in period0 (NZD 0.00)

Revenue vs Plan — YTD

MetricValue
As of2026-04-15
YTD invoicedNZD 124,050.00
YTD target (annual_pro_rata)NZD 142,465.75
YTD attainment87.1% 🟡 warn
Annual targetNZD 500,000.00

AR Snapshot

MetricValue
As of2026-04-15
Total outstandingNZD 68,800.00
Overdue outstandingNZD 48,400.00 (70.3%)
Open invoices9

AR Collection Forecast

MetricValue
As of2026-04-15
Open AR (gross)NZD 68,800.00
Expected to land in next 13 weeksNZD 53,710.00
Total expected (probability-weighted)NZD 53,710.00 (78.1% of gross)

Client Concentration

MetricValue
Windowlast 12 months
Total invoiced (window)NZD 162,650.00
Top-1 client share38.7% 🟡 warn
Top-3 client share79.2%
Active clients7

Client Health

MetricValue
As of2026-04-15
Windowlast 12 months
Active clients (window)7
🟢 Reliable1
🟡 Watch3
🔴 Risk3
Total invoiced (window)NZD 162,650.00
Total outstandingNZD 68,800.00

Period close checklist — March 2026

  1. ⚠️ All in-period invoices finalised — 1 DRAFT ACCREC invoice(s) totaling NZD 5,000.00 are still draft. Bill or void them before closing the month.
  2. ✅ All in-period bills finalised — 0 DRAFT ACCPAY bills dated in March 2026.
  3. ✅ Revenue invoiced ≥ NZD 0.00 — Invoiced NZD 25,400.00 across 5 invoice(s).
  4. ✅ No outstanding AP from March 2026 — All in-period bills paid (NZD 3,370.00 of NZD 3,370.00).

Weekly cashflow (next 13 weeks)

WeekStartingAR inRecurring inAP outRecurring outNetClosing
W12026-04-15NZD 11,400.00NZD 0.00-NZD 5,700.00NZD 0.00NZD 5,700.00NZD 66,850.50
W22026-04-22NZD 22,855.00NZD 0.00NZD 0.00NZD 0.00NZD 22,855.00NZD 89,705.50
W32026-04-29NZD 11,480.00NZD 1,500.00-NZD 875.00-NZD 875.00NZD 11,230.00NZD 100,935.50
W42026-05-06NZD 7,975.00NZD 0.00-NZD 250.00NZD 0.00NZD 7,725.00NZD 108,660.50
W52026-05-13NZD 0.00NZD 1,500.00-NZD 320.00-NZD 320.00NZD 860.00NZD 109,520.50
W62026-05-20NZD 0.00NZD 0.00NZD 0.00NZD 0.00NZD 0.00NZD 109,520.50
W72026-05-27NZD 0.00NZD 0.00NZD 0.00-NZD 875.00-NZD 875.00NZD 108,645.50
W82026-06-03NZD 0.00NZD 1,500.00NZD 0.00NZD 0.00NZD 1,500.00NZD 110,145.50
W92026-06-10NZD 0.00NZD 1,500.00NZD 0.00-NZD 320.00NZD 1,180.00NZD 111,325.50
W102026-06-17NZD 0.00NZD 0.00NZD 0.00NZD 0.00NZD 0.00NZD 111,325.50
W112026-06-24NZD 0.00NZD 0.00NZD 0.00-NZD 875.00-NZD 875.00NZD 110,450.50
W122026-07-01NZD 0.00NZD 1,500.00NZD 0.00NZD 0.00NZD 1,500.00NZD 111,950.50
W132026-07-08NZD 0.00NZD 1,500.00NZD 0.00-NZD 320.00NZD 1,180.00NZD 113,130.50

Trailing monthly cash flow

MonthCash inCash outNet
Jan 2026NZD 40,750.00NZD 0.00NZD 40,750.00
Feb 2026NZD 29,000.00NZD 0.00NZD 29,000.00
Mar 2026NZD 0.00NZD 3,370.00-NZD 3,370.00

GST cycle calendar

PeriodStartEndDueDays until due
currentFeb–Mar 20262026-02-012026-03-312026-04-2813
upcomingApr–May 20262026-04-012026-05-312026-06-2874
upcomingJun–Jul 20262026-06-012026-07-312026-08-28135
upcomingAug–Sep 20262026-08-012026-09-302026-10-28196

By quarter

QuarterInvoicedTargetAttainmentStatus
Q1NZD 124,050.00NZD 65,000.00190.8%🟢 on track
Q2NZD 0.00NZD 125,000.000.0%🔴 alert
Q3NZD 0.00NZD 150,000.000.0%🔴 alert
Q4NZD 0.00NZD 160,000.000.0%🔴 alert

Aging buckets

Bucket (days overdue)Outstanding
CurrentNZD 20,400.00
1-30NZD 17,500.00
31-60NZD 16,400.00
61-90NZD 14,500.00
90+NZD 0.00

Expected weekly inflows (next 13 weeks)

WeekStartingExpected inflowCumulative
W12026-04-15NZD 11,400.00NZD 11,400.00
W22026-04-22NZD 22,855.00NZD 34,255.00
W32026-04-29NZD 11,480.00NZD 45,735.00
W42026-05-06NZD 7,975.00NZD 53,710.00
W52026-05-13NZD 0.00NZD 53,710.00
W62026-05-20NZD 0.00NZD 53,710.00
W72026-05-27NZD 0.00NZD 53,710.00
W82026-06-03NZD 0.00NZD 53,710.00
W92026-06-10NZD 0.00NZD 53,710.00
W102026-06-17NZD 0.00NZD 53,710.00
W112026-06-24NZD 0.00NZD 53,710.00
W122026-07-01NZD 0.00NZD 53,710.00
W132026-07-08NZD 0.00NZD 53,710.00

Top clients (by invoiced)

#ClientInvoicedShare
1TradePillrNZD 62,900.0038.7%
2ThermoKingNZD 47,950.0029.5%
3AcuiteNZD 18,000.0011.1%
4CoversureNZD 14,500.008.9%
5BCDNZD 10,000.006.1%
6PlutoAINZD 6,300.003.9%
7Jason's PlumbingNZD 3,000.001.8%

Per-client tiers

ClientTierScoreInvoicedOutstandingOverdueMax days overdue
Coversure🔴 Risk0NZD 14,500.00NZD 14,500.00NZD 14,500.0090
Acuite🔴 Risk0NZD 18,000.00NZD 11,200.00NZD 11,200.0060
BCD🔴 Risk8NZD 10,000.00NZD 5,200.00NZD 5,200.0034
TradePillr🟡 Watch66NZD 62,900.00NZD 20,900.00NZD 12,500.0016
PlutoAI🟡 Watch11NZD 6,300.00NZD 6,300.00NZD 3,500.0014
Jason's Plumbing🟡 Watch21NZD 3,000.00NZD 1,500.00NZD 1,500.0011
ThermoKing🟢 Reliable100NZD 47,950.00NZD 9,200.00NZD 0.000

Top debtors

ContactOutstandingOverdueMax days overdueOpen invoices
TradePillrNZD 20,900.00NZD 12,500.00162
CoversureNZD 14,500.00NZD 14,500.00901
AcuiteNZD 11,200.00NZD 11,200.00601
ThermoKingNZD 9,200.00NZD 0.0001
PlutoAINZD 6,300.00NZD 3,500.00142
BCDNZD 5,200.00NZD 5,200.00341
Jason's PlumbingNZD 1,500.00NZD 1,500.00111

Chase priority

  1. Coversure — NZD 14,500.00 · 90 days overdue · invoice inv-cv-001
  2. Acuite — NZD 11,200.00 · 60 days overdue · invoice inv-ac-002
  3. TradePillr — NZD 12,500.00 · 16 days overdue · invoice inv-tp-002
  4. BCD — NZD 5,200.00 · 34 days overdue · invoice inv-bc-002
  5. PlutoAI — NZD 3,500.00 · 14 days overdue · invoice inv-pl-001
  6. Jason's Plumbing — NZD 1,500.00 · 11 days overdue · invoice inv-jp-002

What this means

Inflows are probability-weighted (AR ageing curve); outflows assume bills paid on due. Recurring uses calendar-day approximation per Xero schedule unit.

  • Cash trajectory: 📈 grows from NZD 61,150.50 to NZD 113,130.50 (Δ NZD 51,980.00).
  • Net flow: NZD 62,710.00 in vs NZD 10,730.00 out → net NZD 51,980.00.
  • Lowest week: W1 closes at NZD 66,850.50 (above warning threshold).
  • Heaviest outflow week: W1 pays NZD 5,700.00.
  • Note: 1 recurring template(s) skipped (paused, deleted, or unsupported schedule). See meta.skipped_recurring for details.

What this means

Cash basis. Burn = avg of (cash out − cash in) over the trailing window. Recurring shown for context only — already counted as bills once billed.

  • Current cash: NZD 61,150.50 across 2 bank account(s).
  • ✅ Runway: indefinite — average net cashflow is non-negative across the trailing window.

Forward recurring (monthly equivalents, from active templates):

  • Inflow: NZD 3,000.00
  • Outflow: NZD 1,195.00
  • Net obligation: -NZD 1,805.00 (4 templates counted)

What to do before filing

Filing window opens soon.

  • Period: Feb–Mar 2026 (2026-02-01 → 2026-03-31)
  • Return due: 2026-04-28 — 13 day(s) away.
  • Pay to IRD: ~NZD 8,377.83 (so far this period; final number depends on remaining Feb–Mar 2026 activity).

Pre-filing checklist:

  • ✅ Return due in 13 day(s) — Less than 14 days to 2026-04-28 — start preparing the return.
  • ⚠️ All in-period invoices finalised — 1 DRAFT ACCREC invoice(s) — finalise before filing or output GST will be wrong.
  • ✅ All in-period bills finalised — 0 DRAFT ACCPAY bills dated in Feb–Mar 2026.

What this means

Cash-basis estimate. Net = revenue collected − AP paid (in-period rows only). Accrual basis would also include outstanding amounts.

  • Period: March 2026
  • Net (cash basis): -NZD 3,370.00 on NZD 25,400.00 invoiced.
  • ⚠️ 1 item(s) need attention before closing: All in-period invoices finalised.

Top revenue clients:

  1. ThermoKing — NZD 9,200.00 (1 invoice)
  2. TradePillr — NZD 8,400.00 (1 invoice)
  3. PlutoAI — NZD 6,300.00 (2 invoices)
  4. Jason's Plumbing — NZD 1,500.00 (1 invoice)

Top expense vendors:

  1. Hopkinson Consulting — NZD 2,200.00 (1 bill)
  2. Amazon Web Services — NZD 850.00 (1 bill)
  3. Vercel — NZD 320.00 (1 bill)

What this means

Findings the chat layer can riff on.

  • YTD invoiced: NZD 124,050.00
  • YTD target: NZD 142,465.75 → behind by NZD 18,415.75
  • By quarter: Q1 NZD 124,050.00 · Q2 NZD 0.00 · Q3 NZD 0.00 · Q4 NZD 0.00

What this means

The chat layer composes the human narrative from the structured findings below.

  • Total outstanding: NZD 68,800.00
  • Overdue outstanding: NZD 48,400.00
  • Largest debtor: TradePillr
  • Top chase target: Coversure — NZD 14,500.00, 90 days overdue

What this means

Probability-weighted; uses ageing bucket → collect-rate curve. Replace with learned curve once payment_date enters the schema.

  • Expected inflow next 13 weeks: NZD 53,710.00
  • Peak inflow week: W2 (starting 2026-04-22) — NZD 22,855.00
  • Largest expected single payment: TradePillr — NZD 10,625.00 on or after 2026-04-22
  • Slipping past horizon: none — every expected payment lands inside the window.

What this means

Findings the chat layer can riff on.

  • Top client: TradePillr (38.7% of last 12 months)
  • Top-3 share: 79.2%
  • Active client count: 7
  • Risk: single-client share ≥ 25% — watch.

What this means

Score = 100 − overdue-ratio penalty − days-overdue penalty + paid-ratio bonus. Replace proxy scoring with true days-to-pay once payment_date enters the schema.

  • Risk clients (3): Coversure (NZD 14,500.00 out, 90d max), Acuite (NZD 11,200.00 out, 60d max), BCD (NZD 5,200.00 out, 34d max)
  • Reliable clients: 1 of 7 active clients are paying cleanly.

Suggested chat openers

Synthesised from upstream ops. The chat layer can drill into any item by quoting its number.

  • 💸 Chase Coversure for NZD 14,500.00 — Draft a chase email for Coversure.
  • 📈 Close the YTD revenue gap (NZD 18,415.75 behind plan) — Which clients should I push to close fastest to hit YTD plan?
  • 💸 Review the full chase priority list (6 overdue) — Show me the AR chase list grouped by client.
  • 🩺 Have a hard conversation with Coversure — Draft a payment-plan proposal email for Coversure.
  • 🩺 Have a hard conversation with Acuite — Draft a payment-plan proposal email for Acuite.