Financial statement basics
How to read an income statement, balance sheet, and cash flow statement, and what each one tells you about the health of a business.
Education
Our content is organised into a handful of core topics. Each is written as a self-contained explainer — start wherever is relevant to your business.
Core topics
How to read an income statement, balance sheet, and cash flow statement, and what each one tells you about the health of a business.
Practical ways to forecast cash inflows and outflows, and understand why timing matters as much as profitability.
General explanations of gross margin, contribution margin, and how pricing decisions interact with fixed and variable costs.
Short, jargon-free definitions of terms that show up in lending, accounting and financial reporting — EBITDA, working capital, amortisation, and more.
An introduction to building simple financial projections and stress-testing assumptions before committing to a decision.
Our approach
We start every guide from a question a reader has actually asked us. From there, we research the underlying concept using publicly available, reputable sources, and write a draft aimed at someone encountering the topic for the first time.
Guides are reviewed for clarity and accuracy before publishing, and revisited periodically to keep figures and examples current. We link to primary sources where relevant so readers can go deeper if they want to.
Good to know
No. Everything on harmabiben is general, educational information. It does not take into account your business's specific circumstances and should not be treated as financial, tax, accounting or legal advice.
No. harmabiben does not offer, sell, or broker any financial product, software, account or paid service. The website is purely informational.
We review published guides periodically and update figures, examples or terminology when they become outdated. Major pages show their last review date.
Yes. Use the contact form to send us a topic suggestion or a question you'd like a future guide to address.
Reach out
Our editorial team is happy to point you toward the right guide, or explain something in more detail.
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