Ridgeline Tree & Landscape · Finance dashboard
Overview
Actuals through October 2026 · QuickBooks, accrual basis
Sample dashboard. Ridgeline Tree & Landscape is a made-up company and every number here is invented. Your dashboard is built the same way from your own QuickBooks books, refreshed every month.
How Ridgeline is doing through October 2026. Profit and loss and the 31 Oct balance sheet come from QuickBooks; receivables are the open invoices as of 5 Nov 2026.
Revenue, Jan–Oct
$1.91M
+17% vs Jan–Oct 2025 ($1.63M)
Gross margin, Jan–Oct
50.6%
Same months last year 52.1%
Net income, Jan–Oct
$247K
12.9% of revenue · last year $150K
Customers owe Ridgeline
$184K
6 open balances · as of 5 Nov 2026
Cash, 31 Oct
$248K
Credit cards owed $13.7K
Revenue by month, 2026
The dashed line is the average month this year ($191K). Tree work is seasonal: spring and fall are the busy months.
What to watch
Revenue is ahead of last year.
Jan–Oct revenue is $1.91M, +17% on the same months of last year ($1.63M). October was $242K.
Margins.
Gross margin is 50.6% year to date against 52.1% for the same months last year. Field labor is the main cost.
Overhead.
Overhead is $710K so far this year, 37.1% of revenue (last year 42.0%). Net income is $247K.
Cash and receivables.
Book cash was $248K at 31 Oct. Customers owe $184K across 6 customers, the largest Residential customers (38 open jobs) ($74.1K). Credit cards carry $13.7K and the equipment loan $146K.
Ridgeline Tree & Landscape · Q3 2026
Q3 2026 results
QuickBooks, accrual basis · closed books
Q3 2026 against the quarter before and the same quarter last year.
Revenue, Q3 2026
$645K
+17% vs Q3 2025 ($550K)
Gross margin
50.3%
Q2 2026: 49.6%
Overhead
$213K
33.0% of revenue
Net income
$108K
Q2 2026: $95K
Cash, 30 Sep 2026
$261K
Customers owe $196K
Q3 2026 at a glance
| Q3 2026 | Q2 2026 | Q3 2025 | |
|---|---|---|---|
| Revenue | $644,577 | $633,075 | $549,893 |
| Cost of sales | $320,586 | $318,792 | $269,248 |
| Gross profit | $323,991 | $314,283 | $280,645 |
| Overhead | $213,024 | $215,854 | $206,734 |
| Other income and expense | −$3,152 | −$3,400 | −$4,186 |
| Net income | $107,815 | $95,029 | $69,725 |
| Gross margin | 50.3% | 49.6% | 51.0% |
Each quarter adds up from its three months.
Q3 2026 by month
| Jul 26 | Aug 26 | Sep 26 | Q3 2026 | |
|---|---|---|---|---|
| Revenue | $233,924 | $198,168 | $212,486 | $644,577 |
| Field labor | $77,296 | $56,882 | $73,739 | $207,916 |
| Gross profit | $113,322 | $108,497 | $102,172 | $323,991 |
| Overhead | $70,849 | $71,320 | $70,855 | $213,024 |
| Net income | $41,400 | $36,123 | $30,292 | $107,815 |
| Gross margin | 48.4% | 54.8% | 48.1% | 50.3% |
Balance sheet, quarter end
| 30 Jun 2026 | 30 Sep 2026 | |
|---|---|---|
| Cash | $236,911 | $261,480 |
| Accounts receivable | $214,760 | $196,221 |
| Other current assets | $0 | $0 |
| Total assets | $890,171 | $888,901 |
| Accounts payable | $52,440 | $47,210 |
| Credit cards | $18,310 | $15,221 |
| Long-term loans | $162,000 | $150,000 |
| Total liabilities | $232,751 | $212,431 |
| Equity | $657,420 | $676,470 |
Profit & loss
QuickBooks, accrual basis. Months add up to the year-to-date totals.
Compare periods
| Jan–Oct 2026 | Jan–Oct 2025 | Change | Change % | |
|---|---|---|---|---|
| Revenue | $1,911,902 | $1,627,727 | +$284,175 | +17.5% |
| Cost of sales | $943,528 | $779,022 | +$164,506 | +21.1% |
| Gross profit | $968,374 | $848,705 | +$119,669 | +14.1% |
| Gross margin | 50.6% | 52.1% | −1.5 pts | |
| Overhead | $710,144 | $684,408 | +$25,737 | +3.8% |
| Other income / (expense), net | −$11,173 | −$14,792 | +$3,620 | +24.5% |
| Net income | $247,057 | $149,505 | +$97,552 | +65.3% |
| Net margin | 12.9% | 9.2% | +3.7 pts |
By month:
20262025
October and year to date
| Oct 2026 | Oct 2025 | Jan–Oct 2026 | Jan–Oct 2025 | |
|---|---|---|---|---|
| Revenue | $242,094 | $195,414 | $1,911,902 | $1,627,727 |
| Cost of sales | $114,530 | $106,715 | $943,528 | $779,022 |
| Gross profit | $127,565 | $88,699 | $968,374 | $848,705 |
| Gross margin | 52.7% | 45.4% | 50.6% | 52.1% |
| Overhead | $70,960 | $66,306 | $710,144 | $684,408 |
| Other income and expense | −$971 | −$1,324 | −$11,173 | −$14,792 |
| Net income | $55,634 | $21,069 | $247,057 | $149,505 |
Full year 2025: revenue $1,910,681, gross margin 52.1%, net income $158,690.
Direct job cost by type, % of revenue
| Cost type | QuickBooks account | Oct 2026 | Jan–Oct 2026 | Full year 2025 |
|---|---|---|---|---|
| Field labor | 29.4% | 32.3% $617K | 30.8% | |
| Subcontractors | 5.5% | 5.2% $99K | 4.9% | |
| Equipment rental | 3.5% | 3.4% $65.5K | 3.5% | |
| Fuel | 4.5% | 4.0% $77K | 4.1% | |
| Disposal & dump fees | 2.7% | 2.5% $46.9K | 2.6% | |
| Job materials | 1.8% | 2.0% $38.5K | 2.0% |
Line items, 2026 by month
| Account | Jan 26 | Feb 26 | Mar 26 | Apr 26 | May 26 | Jun 26 | Jul 26 | Aug 26 | Sep 26 | Oct 26 | Jan–Oct |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||
| Tree removal | $55.2K | $54.4K | $94.1K | $96.5K | $124K | $113K | $122K | $105K | $110K | $121K | $995K |
| Pruning & trimming | $25.2K | $31.3K | $36.5K | $41.8K | $51.1K | $56.1K | $57.6K | $47.8K | $54.2K | $61.1K | $463K |
| Stump grinding | $8.3K | $11.2K | $16.5K | $18.8K | $18.7K | $18.5K | $22.0K | $16.9K | $17.7K | $20.6K | $169K |
| Plant health care | $8.8K | $10.4K | $12.1K | $16.0K | $16.3K | $17.6K | $16.6K | $15.2K | $15.9K | $20.1K | $149K |
| Landscape maintenance | $7.9K | $7.4K | $12.8K | $12.8K | $17.1K | $14.7K | $16.0K | $13.7K | $14.7K | $19.4K | $136K |
| Cost of sales | |||||||||||
| Field labor | $31.9K | $35.2K | $56.0K | $60.9K | $83.5K | $70.3K | $77.3K | $56.9K | $73.7K | $71.1K | $617K |
| Subcontractors | $6.0K | $4.9K | $8.2K | $10.5K | $12.0K | $9.5K | $12.9K | $10.6K | $11.2K | $13.3K | $99.0K |
| Fuel | $4.2K | $4.3K | $7.8K | $8.1K | $8.4K | $8.3K | $10.3K | $6.9K | $8.0K | $10.8K | $77.0K |
| Equipment rental | $3.6K | $4.4K | $6.1K | $5.7K | $7.4K | $6.6K | $8.9K | $6.4K | $7.8K | $8.5K | $65.5K |
| Disposal & dump fees | $3.0K | $2.6K | $4.0K | $4.6K | $5.3K | $5.0K | $6.0K | $4.6K | $5.3K | $6.4K | $46.9K |
| Job materials | $2.3K | $2.2K | $3.1K | $3.7K | $4.5K | $4.5K | $5.2K | $4.2K | $4.2K | $4.5K | $38.5K |
| Overhead | |||||||||||
| Office salaries | $20.4K | $23.6K | $22.0K | $23.3K | $20.3K | $22.0K | $22.6K | $20.6K | $21.7K | $23.6K | $220K |
| Officer compensation | $15.4K | $16.6K | $14.8K | $15.3K | $15.4K | $16.4K | $16.2K | $16.3K | $14.4K | $15.6K | $156K |
| Payroll taxes & benefits | $8.1K | $7.7K | $7.5K | $8.1K | $7.7K | $8.4K | $7.7K | $8.9K | $8.8K | $7.3K | $80.2K |
| Rent | $6.5K | $6.3K | $6.3K | $7.0K | $7.4K | $7.1K | $6.1K | $6.8K | $6.4K | $6.1K | $65.9K |
| Insurance | $5.1K | $5.9K | $4.9K | $5.9K | $5.9K | $5.8K | $5.0K | $5.3K | $5.9K | $5.4K | $55.1K |
| Vehicle & equipment repairs | $4.8K | $5.1K | $4.7K | $4.8K | $5.0K | $4.9K | $4.9K | $5.0K | $5.4K | $4.9K | $49.5K |
| Marketing | $2.8K | $2.8K | $2.6K | $2.9K | $2.6K | $2.6K | $2.5K | $2.8K | $2.4K | $2.6K | $26.6K |
| Professional fees | $1.9K | $1.7K | $2.0K | $1.9K | $1.8K | $1.7K | $1.9K | $1.9K | $2.0K | $1.8K | $18.6K |
| Software & subscriptions | $1.3K | $1.3K | $1.4K | $1.5K | $1.6K | $1.6K | $1.6K | $1.5K | $1.4K | $1.4K | $14.6K |
| Utilities & phone | $1.1K | $1.2K | $1.1K | $1.1K | $1.1K | $1.2K | $1.2K | $1.2K | $1.3K | $1.1K | $11.5K |
| Bank & card fees | $0.6K | $0.7K | $0.7K | $0.7K | $0.6K | $0.7K | $0.7K | $0.6K | $0.7K | $0.7K | $6.6K |
| Office supplies | $0.5K | $0.5K | $0.5K | $0.5K | $0.5K | $0.5K | $0.5K | $0.5K | $0.5K | $0.5K | $4.9K |
| Other income | |||||||||||
| Interest income | $0.1K | $0.1K | $0.4K | ||||||||
| Other expenses | |||||||||||
| Interest expense | $1.3K | $1.3K | $1.2K | $1.2K | $1.2K | $1.1K | $1.1K | $1.1K | $1.1K | $1.0K | $11.6K |
| Net income | −$15.4K | −$13.4K | $17.3K | $18.1K | $35.4K | $41.5K | $41.4K | $36.1K | $30.3K | $55.6K | $247K |
Each month adds up to its net income. Interest on the equipment loan sits under other expenses, as in QuickBooks.
Who owes us
Open invoices by customer from QuickBooks, as of 5 Nov 2026, aged by days past the due date.
Open invoices
$184K
About 29 days of revenue at this year’s pace
Past due over 30 days
$18.6K
10.1% of open invoices
Over 90 days
$2,000
1.1% of open invoices
Open invoices by customer
| Customer | Current | 1–30 | 31–60 | 61–90 | 90+ | Total |
|---|---|---|---|---|---|---|
| Residential customers (38 open jobs) | $51,209 | $14,820 | $6,120 | $2,000 | $74,149 | |
| Summit Ridge HOA | $22,400 | $9,800 | $32,200 | |||
| Brookstone Office Park | $18,651 | $6,200 | $24,851 | |||
| Willow Creek Apartments | $15,200 | $7,400 | $22,600 | |||
| Pinecrest Golf Club | $12,880 | $4,300 | $17,180 | |||
| Cedar Lane Schools | $9,600 | $3,060 | $12,660 | |||
| All customers | $129,940 | $35,080 | $12,320 | $4,300 | $2,000 | $183,640 |
Ties to QuickBooks Accounts Receivable ($183,640). Balances under $1 are left off the list but are in the totals.
Cash & balance sheet
Balance sheets from QuickBooks, accrual basis.
Cash, 31 Oct
$248K
$261K at 30 Sep 2026
Working capital
$373K
Current assets less current liabilities
Current ratio
7.36
Current assets ÷ current liabilities
Debt to equity
0.31
Total liabilities ÷ equity
Balance sheet
| 31 Dec 2025 | 30 Jun 2026 | 30 Sep 2026 | 31 Oct 2026 | |
|---|---|---|---|---|
| Assets | ||||
| Cash | $184,250 | $236,911 | $261,480 | $248,316 |
| Accounts receivable | $128,400 | $214,760 | $196,221 | $183,640 |
| Other current assets | $0 | $0 | $0 | $0 |
| Current assets | $312,650 | $451,671 | $457,701 | $431,956 |
| Notes receivable and other assets | $0 | $0 | $0 | $0 |
| Total assets | $724,650 | $890,171 | $888,901 | $860,856 |
| Liabilities and equity | ||||
| Accounts payable | $38,121 | $52,440 | $47,210 | $44,980 |
| Credit cards | $12,840 | $18,310 | $15,221 | $13,675 |
| Current liabilities | $50,961 | $70,751 | $62,431 | $58,656 |
| Long-term loans | $186,000 | $162,000 | $150,000 | $146,000 |
| Total liabilities | $236,961 | $232,751 | $212,431 | $204,656 |
| Equity | $487,690 | $657,420 | $676,470 | $656,200 |
Each date balances: total assets equal total liabilities plus equity.
Definitions & sources
Definitions
- Revenue
- Income booked in QuickBooks on the accrual basis (invoices, by invoice date).
- Gross margin
- Revenue less direct job costs (field labor, subcontractors, equipment rental, fuel, disposal, materials), as a share of revenue.
- Overhead
- Operating expenses, including officer pay. Loan interest is under other expenses, as in QuickBooks.
- Open invoices
- Accounts Receivable in QuickBooks: what customers owe on invoices.
- Days of revenue in receivables
- Open invoices divided by average daily revenue so far this year.
- Current ratio
- Current assets divided by current liabilities.
- Debt to equity
- Total liabilities divided by equity.
Sources
| Source | Version | Used for |
|---|---|---|
| QuickBooks Profit and Loss by month, Jan 2025–Oct 2026 | accrual, pulled sample data, Nov 2026 | Overview, Profit & loss, Compare periods |
| QuickBooks Balance Sheet by month | accrual, pulled sample data, Nov 2026 | Cash & balance sheet |
| QuickBooks A/R Aging Summary | as of 5 Nov 2026, pulled sample data, Nov 2026 | Who owes us |