Owners and leadership teams need to know where the business stands at month end and what to do before the next close. This template answers that in order: an executive summary, a profit and loss page with charts, a balance sheet with prior-period columns, a variance table with a cause under each line that breaches your threshold, a KPI scorecard and written commentary.

The sample is the September 2026 pack for Candlemas Partners, a fictional marketing agency: revenue 3.8% under budget, EBITDA $60K short, cash up $52K and debtor days at 48 against a target of 45. Replace the period, the headline figures, the trial balance totals and the materiality threshold first, then write commentary only for the lines that breach it.