Jan 1 – Mar 31, 2026
Financial Overview
YTD Revenue
$314,575
SGD · Q1 2026
YTD Net Profit
$102,164
↑ 475% YoY
vs SGD 17,827 same period 2025
Expenses
$212,411
SGD · YTD
Cash In
$821,050
SGD · 6 months
Cash Out
$811,267
SGD · 6 months
Net Cash Flow
$9,783
SGD · 6 months
16 bank accounts
Reconciliation Health
5 accounts unreconciled — SGD 32,406 total gap across DBS SGD, Airwallex SGD, Stripe SGD, WorldFirst USD, and HitPay Clearing.
11
Reconciled
5
Needs Attention
32,406
SGD Gap
| Bank Account | Statement | Xero | Status | Gap |
|---|---|---|---|---|
| DBS USD ···5315 | USD 744.63 | USD 744.63 | Reconciled | — |
| DBS SGD ···5315 | 24,796.70 | 23,470.58 | Unreconciled | 1,326.12 |
| Aspire USD | USD 50.97 | USD 50.97 | Reconciled | — |
| Aspire SGD | 20.89 | 20.89 | Reconciled | — |
| Shopify Clearing | 0.00 | 0.00 | Reconciled | — |
| Instarem USD | USD 226.00 | USD 226.00 | Reconciled | — |
| Fazz SGD | 0.00 | 0.00 | Reconciled | — |
| Wise SGD | 0.00 | 0.00 | No transactions | — |
| Wise USD | USD 0.00 | USD 0.00 | No transactions | — |
| Airwallex SGD | 2,632.63 | 21,950.25 | Unreconciled | 19,317.62 |
| Airwallex USD | USD 4.04 | USD 4.04 | Reconciled | — |
| Stripe SGD | 0.00 | -6,098.32 | Unreconciled | 6,098.32 |
| AWX Payments USD | USD 0.00 | USD 0.00 | No transactions | — |
| WorldFirst USD | USD 100.00 | 0.00 | Unreconciled | 100.00 |
| WorldFirst SGD | 0.00 | 0.00 | Reconciled | — |
| HitPay Clearing | 6,483.33 | 919.23 | Unreconciled | 5,564.10 |
ABC's Core Moat
Vendor Intelligence
AI Match Results — Live Bank Statement
| Bank Description | Matched Vendor | Confidence | Category |
|---|---|---|---|
| ACEORGSG 6568150656 SG | Ace Org SG | Payment Processing | |
| Partial string match on "ACEORG" → "Ace Org". SG country code confirmed. Seen 3× in last 90 days. Lower confidence due to truncated merchant ID — no exact historical match yet. Confidence improves with more data. | |||
| 2C2*ISHOP CHANGI | iShop Changi | Office Supplies | |
| "2C2*" is a 2C2P payment gateway prefix — stripped during matching. "ISHOP CHANGI" → "iShop Changi" via fuzzy match. Categorized as Office Supplies in 4 prior transactions. | |||
| CRAFTWERK DN000500 | Craftwerkz Pte Ltd | COGS · Product | |
| "CRAFTWERK" → Craftwerkz Pte Ltd — existing Xero contact with 47 prior transactions. DN000500 is their delivery note reference. Auto-posted to Account 303 (COGS Product Cost). | |||
| SPX EXPRESS 50014965 | SPX Express Private Limited | COGS · Delivery | |
| Exact name match. SPX Express = Shopee's logistics arm. 50014965 is a tracking reference. 31 prior transactions all mapped to Account 304. Auto-posting enabled. | |||
| AIRWLX RPT-b886baa4 | Wee Leng (Airwallex Expense) | Staff Expenses | |
| "AIRWLX" is Airwallex's bank descriptor. RPT = expense report. Report ID b886baa4 cross-referenced with Airwallex API — submitted by Wee Leng. Categorized under Staff Expenses. | |||
| PAYBOY GIRO FEB26 | Salaries by GIRO (Payboy) | Wages & Salaries | |
| "PAYBOY" = payroll provider. GIRO = salary disbursement. FEB26 = February 2026 payroll. Matched to Account 477. Recurring monthly pattern — 12 identical matches in history. | |||
| DBS-TRF FATTY POH | No match found | Needs Review | |
| Flagged for accountant review. "DBS-TRF" = DBS bank transfer. "FATTY POH" has no match in vendor history or Xero contacts. Actions: create new vendor, or map to an existing contact. | |||
| GRAB A-1234567 | Grab Holdings | Transport · Local | |
| Exact name match. "A-1234567" is a ride booking reference. 19 prior Grab transactions. Auto-categorized under Transport - Local (Account 440). | |||
Payables & Receivables
Bills & Invoices
Bills Pipeline
25awaiting
18overdue
| Vendor | Amount | Status | Date |
|---|---|---|---|
| Axxel Marketing | 4,798.34 | Awaiting | Nov 2 |
| Axxel Marketing | 2,871.23 | Awaiting | Nov 2 |
| Ting Wei | 41.60 | Awaiting | Mar 31 |
| Fuyixing Hat Industry | CNY 2,650 | Awaiting | Mar 26 |
| Wenhao Dong | 2,000.00 | Paid | Mar 16 |
| Ma Che Pte. Ltd. | 5,699.03 | Paid | Mar 15 |
| CRAFTWERKZ | 959.20 | Paid | Mar 13 |
| SPX Express | 8,835.46 | Awaiting | Mar 11 |
| CPF for Smilie | 3,875.00 | Paid | Feb 28 |
| Salaries (Payboy) | 8,316.00 | Paid | Feb 28 |
| Trends Promotions | 284.87 | Awaiting | Feb 27 |
Invoices — Receivables
142 awaiting
118 overdue
83% of outstanding invoices are overdue
Recent Payments Received
| GONG.IO (Singapore) | +1,080.00 | Mar 31 |
| Manus AI | +5,035.00 | Mar 30 |
| IG Asia PTE Limited | +16,900.00 | Mar 26 |
⚠ Overdue Alert — 118 of 142 invoices overdue. SGD 125,565 at risk. Oldest: 90+ days.
Smilie Pte. Ltd.
Chart of Accounts — Watchlist
| Code | Account | This Month | YTD | YTD Share |
|---|---|---|---|---|
| 266 | Corporate Gifts | 48,922 | 146,941 | |
| 268 | Festive Sales | 1,880 | 160,930 | |
| 301 | COGS (SWAGS) | 3,144 | 22,056 | |
| 303 | COGS (Product Cost) | 2,639 | 107,506 | |
| 304 | COGS (Delivery) | 8,720 | 21,937 | |
| 477 | Wages and Salaries | 1,802 | 29,144 |
Last 48 hours
ABC Agent Activity
- Auto-categorized 23 transactions — avg confidence 94%2h ago
- Flagged 3 transactions for review — unknown vendors (DBS-TRF FATTY POH + 2 others)2h ago
- Matched
SPX EXPRESS 50014571→ SPX Express Private Limited (99%)3h ago - Airwallex SGD gap increased to SGD 19,318 — flagged for accountant5h ago
- Auto-reconciled 12 DBS SGD transactionsyesterday
- Invoice overdue alert — 118 of 142 invoices overdue (SGD 125,565)yesterday
- CPF payment matched and posted automatically to Account 4772 days ago
Based on Smilie's actual transaction volume
ABC Pricing Estimate
Current State
~$700/yr
Year-end filing only
No real-time visibility
No reconciliation between filings
No real-time visibility
No reconciliation between filings
ABC Agent
$400–600/mo
~200 txns/mo · SGD 2–5 per ledger line
Real-time sync · Weekly reconciliation
Policy enforcement · Vendor memory
Real-time sync · Weekly reconciliation
Policy enforcement · Vendor memory
Traditional Bookkeeper
$800–1,500/mo
Manual data entry
Monthly reconciliation
No vendor memory · No auto-matching
Monthly reconciliation
No vendor memory · No auto-matching
Cash Flow Opportunity
SGD 125,565
in overdue invoices right now
118 of 142 invoices are overdue. If ABC catches these 7 days earlier on average, that's approximately SGD 2,400/week in accelerated cash flow — covering the ABC subscription cost within the first month.