MEDEX EAST AFRICA // FY2026
CASH & OPERATIONS
SAMPLE DATA / CONNECTION READY
UPDATED: —
Sample operating data · structured for up to 1,000 ledger rows
Automated WhatsApp & email alerts on breach
Management summary generated every Monday morning
Receivables + working capital in one system

PORTFOLIO OVERVIEW

Receivables Intelligence Engine
Total Outstanding
KES 3.23M
Gross receivables
Overdue 31+ Days
KES 2.70M
Excludes 0-30 day receivables
Overdue %
83.6%
31+ days / outstanding
Portfolio Risk Score = overdue percentage + aging severity + concentration penalty. Aging severity adds 2.5 points for each account over 60 days, capped at 15 points. Concentration adds 5 points only if the largest buyer is more than 40% of total outstanding.
Portfolio Risk Score
58.4
HIGH
PRESSURE
CASH RISK SIGNAL
Collection lag increasing overdue exposure across hospital portfolio
Largest Single Exposure
KES 620K
Largest unpaid invoice
Top Buyer Concentration shows how much of total unpaid receivables sits with the single largest buyer. Formula: largest buyer outstanding balance divided by total outstanding receivables.
Top Buyer Concentration
19.2%
% of total outstanding
High Risk Accounts
2
Escalation required
Day 1
Instant Visibility
Flag default months before it requires a legal team.
3×
Faster Escalation
Priority accounts ranked automatically — no manual triage required.
0
Manual Reports
Weekly management summaries assembled and delivered without human effort.

RECEIVABLES AGING

Total Receivables Age
Current / 0-30 Days
KES 510K
31–60 Days
KES 1.08M
61–90 Days
KES 285K
90+ Days
KES 840K
60+ Exposure
KES 1.13M
Accounts > 60 Days
2 accts

MANAGEMENT BRIEF

Monday Signal
Top Risk Driver
Parklands Orthopaedic Hospital (91 days) and Riverside Road Specialist Clinic (105 days) are in Legal / Default Review territory. Combined exposure KES 840K at critical risk.
Recommended Action
Issue Legal Notice to Limuru Road immediately. Issue Final Demand to Parklands Orthopaedic this week. Send Urgent Follow-Up to all 31–60 day accounts by Friday.
Management Priority
Clear the 90+ book before month end. Prioritise the largest aged accounts for management calls.

EXPOSURE DETAIL

Customer & Product Line

CUSTOMER EXPOSURE

CustomerOutstandingOverdueOD %
Parklands Orthopaedic HospitalKES 620KKES 620K100.0%
City Physio & RehabKES 510KKES 510K100.0%
Westgate Specialist HospitalKES 412KKES 412K100.0%
Brightfield Children's HospitalKES 390KKES 390K100.0%
Highridge Medical CentreKES 340KKES 340K100.0%
ProMotion Rehab CentreKES 310KKES 00.0%
Riverside Medical CentreKES 285KKES 285K100.0%
Highland Mission HospitalKES 275KKES 275K100.0%
Riverside Road Specialist ClinicKES 220KKES 220K100.0%
Lavington Physio ClinicKES 145KKES 145K100.0%

PRODUCT LINE RISK SUMMARY

Product LineOutstandingOD %RiskShare
OrthopaedicKES 1.36M100.0%HIGH42.2%
PhysiotherapyKES 1.12M100.0%HIGH34.7%
Mobility AidsKES 1.02M31.5%WATCH31.5%
RehabilitationKES 562K100.0%WATCH17.4%

PRIORITY ESCALATION ACCOUNTS

RankRefCustomerProduct LineAmountDays ODAction
1INV-011Riverside Road Specialist ClinicOrthopaedicKES 220K105Legal Notice
2INV-004Parklands Orthopaedic HospitalMobility AidsKES 620K91Legal Notice
3INV-001Riverside Medical CentrePhysiotherapyKES 285K72Mgmt Escalation
4INV-009Lavington Physio ClinicPhysiotherapyKES 145K62Urgent F/U
5INV-006Highridge Medical CentreOrthopaedicKES 340K55Urgent F/U
6INV-014Highland Mission HospitalRehabilitationKES 275K48Urgent F/U
7INV-002Westgate Specialist HospitalOrthopaedicKES 412K45Urgent F/U

TREND & SETTINGS

System

OVERDUE TREND

SYSTEM SETTINGS

High Risk Threshold
45
Watch Threshold
5
30-Day Band
30 days
60-Day Band
60 days
90-Day Band
90 days
Alert Recipients
Management email configured
WhatsApp recipient configured

WORKING CAPITAL MONITOR

13-Week Cashflow Forecast
Status
ACTIVE
Risk45-day hospital payment terms create recurring W3-W6 cash trough.
TriggerWorking capital draw expected Week 4
ActionEscalate overdue hospital accounts. Request advance on Chattanooga restock. Review DJO Global terms.

KSh 3.2M timing gap created by delayed collections; KSh 10.0M facility leaves KSh 6.8M liquidity headroom.

Facility covers trough at current assumptions, dependent on hospital collection timing improving to 30-day average.

WATCH
WATCH
Peak gap: Week 5
First positive: Week 10
Finance drawn: KSh 2.8M
Collections 72% vs forecast
Overdue exposure —
Use facility only if collections remain delayed after W6. Hold KSh 2M buffer and review supplier terms this month.
Monthly Revenue
KSh 8.4M
Invoiced to hospitals & clinics
Monthly COGS
KSh 4.9M
DJO Global, Chattanooga, freight
Gross Margin
42.0%
KSh 3.5M gross profit
Peak Cash Timing Gap
(KSh 3.2M)
Worst weekly cash shortfall before liquidity support
Liquidity Headroom
KSh 6.8M
Available facility after peak cash gap
Collections vs Forecast
72.0%
Cash received vs forecast
Cashflow Status
WATCH
Collections delayed, margin still positive
Top Risk Driver
45-day hospital payment terms create recurring W3-W6 cash trough.
Recommended Action
Escalate overdue hospital accounts. Request advance on Chattanooga restock. Review DJO Global terms.
Management Priority
Use facility only if collections remain delayed after W6. Hold KSh 2M buffer and review supplier terms this month.
Collections Signal
Forecast
KSh 6.05M
Actual
KSh 4.36M
Shortfall
(1.69M)
Rate
72.0%
Risk Signal
Active Risks
5
Top Score
8
Provision
KSh 1.8M
Top Risk
Collection lag
Liquidity Cover
WC Facility
KSh 10.0M
Peak Gap
KSh 3.2M
Headroom
KSh 6.8M
Covered?
YES
Collection Variance
Below target
Actual vs forecast to date
Peak Gap Week
Week 5
Worst cash trough
Max Weekly Outflow
KSh 3.6M
Highest single week
Total Finance Drawn
KSh 2.8M
KSh vs facility

Weekly Inflows vs Outflows — 13-Week Working Capital Forecast

Bars show weekly cash movement · Line shows cumulative position · Red circle marks peak gap · Green triangle marks recovery

Cash Timing Gap by Week

Negative equals cash shortfall · Peak W5 −KSh 3.2M

Inflow Composition by Type

Total across 13-week forecast period
Base collections (30-day)
KSh 31.4M
Contracted receivables
KSh 21.8M
Late-cycle collections
KSh 12.1M
Weekly Cashflow Schedule — All 13 Weeks Red = peak gap · Green = first recovery
WeekInflowsOutflowsNetEquity / FinanceCumulativeCash Timing Gap

PROJECT ASSUMPTIONS

Business Context
Business
NameMedex East Africa Ltd
TypeClinical Equipment Distributor
StartJun 2026
Duration13 weeks rolling
Product LinesPhysio · Mobility · Ortho · Rehab
Revenue
Monthly revenueKSh 8,400,000
Collection rate72% in month 1
Avg payment termsNet 45 days
COGS %58%
Units / month840 cases
Funding
Equity bufferKSh 2,000,000
WC facilityKSh 10,000,000
Interest rate1.5% per month
Liquidity cover3.12x
Supplier termsDJO Global / approved principals

COST TRACKER

Budget vs Actual
Total Budget
KSh 11.0M
Committed
KSh 8.0M
Actual Spent
KSh 5.8M
Utilisation
52.7%
Remaining
KSh 5.2M
CategoryBudget KShCommittedActual SpentRemainingVariance %Status
Equipment — Physiotherapy3,600,0003,600,0002,880,000720,000Under 20.0%On Track
Equipment — Mobility Aids2,400,0002,400,0001,920,000480,000Under 20.0%On Track
Equipment — Orthopaedic2,800,0002,100,0001,540,0001,260,000Under 45.0%On Track
Equipment — Rehabilitation1,800,0001,440,0001,080,000720,000Under 40.0%On Track
Clearing, Freight & Logistics2,880,0002,880,0002,160,000720,000Under 25.0%On Track
Staff Salaries7,800,0007,800,0003,250,0004,550,000Under 58.3%On Track
Westlands Business Centre Rent (Westlands)2,160,0002,160,000900,0001,260,000Under 58.3%On Track
Marketing & Trade Promotions960,000480,000240,000720,000Under 75.0%Watch

OPERATIONAL CONTROL TOWER

Cash Drivers Behind the Forecast

RECEIVABLES

Total owedKSh 1.94M
Over 60 daysKSh 1.27M
Admin errorsKSh 97K

STOCK

Stock valueKSh 1.45M
Dead stockKSh 154K
Expiring <90dKSh 254K

PURCHASING

Total orderedKSh 3.95M
Emergency share4.6%
Late shipments1

ACTIONS

Open3
Blocked0
Oldest open9 days
The cashflow forecast is the output. These four controls show what management must change to improve it.

WEEKLY MANAGEMENT QUEUE

AreaActionOwnerDueStatus
ReceivablesChase invoices over 90 daysFinanceThis weekOpen
StockPrice dead stock for clearanceWarehouseThis weekIn progress