Live Product · Financial Intelligence

One number that tells
you how your business
is really doing.

Vira turns your financial data into a single performance score, backed by a full breakdown of revenue, cost of goods, HR, location, and overhead — with branch and brand comparison, cash flow tracking, and BI analytics all in one place.

What Vira Does

Your Full Financial Picture.
In One Dashboard.

Most business owners know roughly how much they're making. Very few know exactly where that revenue is going — how much of it is being consumed by cost of goods, how much by HR, by location, by overhead — and whether those ratios are getting better or worse over time.

Vira is a financial analysis platform that takes your accounting data and turns it into a structured, visual breakdown across five categories: revenue, cost of goods sold, human resources, location costs, and overhead. Every category is tracked with KPIs, trend lines, and period comparisons — so you can see not just where the money went, but whether the pattern is improving or deteriorating.

For businesses with multiple branches or brands, Vira adds a comparison layer — showing each location's or brand's performance against the same parameters, side by side, so underperformance is visible the moment it appears rather than at year-end review.

5 Financial Categories: Revenue · COGS · HR · Location · Overhead
1 Performance Score — Proprietary Algorithm Across All Parameters
3 Data Input Methods: Manual · Import · API Integration
Branches & Brands — Compare Any Number Side by Side
Vira business performance score
The Vira Score

One Number.
Every Financial Parameter.

The Vira Score is a single composite index — calculated using a proprietary algorithm that weighs all major accounting parameters simultaneously: revenue trends, gross margin, cost ratios, HR efficiency, location profitability, overhead control, and cash flow health.

The score removes the need to manually check fifteen different ratios and decide which ones matter most. It does that analysis for you — and presents the result as a number with a clear label (Poor / Average / Good / Excellent) that both owners and financial managers can act on immediately.

Beneath the score, every contributing parameter is visible — so when the score drops, you know exactly which dimension caused it and how much. The score is recalculated with every data update, giving you a live pulse on business health rather than a monthly snapshot.

Proprietary Algorithm

All accounting parameters weighted and combined into a single reliable index.

Comparable Across Branches

Same score methodology applied to every branch — making performance comparison objective.

Drillable

Every sub-score links to the detailed analysis of that specific financial category.

Updated Live

Recalculated each time new financial data is entered, imported, or synced via API.

Five Financial Dimensions

Every Cost Category.
Fully Visible.

Vira doesn't give you one revenue chart and call it analytics. It breaks your financials into five distinct categories — each with its own KPIs, trend analysis, and period comparison.

Vira revenue analysis
01 · Revenue

Total Revenue, Split by Channel

Vira shows total revenue alongside the breakdown between in-person and online sales — with trend lines comparing the current period to previous months and the same period in prior years. You see not just how much you made, but whether each channel is growing, flat, or declining.

  • Total revenue with in-person vs. online breakdown
  • Current vs. previous period comparison
  • Year-on-year trend line
  • Revenue share as % of total holding (for multi-branch)
Vira cost of goods analysis
02 · Cost of Goods Sold

Gross Margin & Purchase Cost Intelligence

Vira tracks cost of goods sold alongside gross profit margin — showing not just the raw cost figure but whether the margin is trending in the right direction relative to revenue growth. Average purchase cost per unit and period-over-period comparisons make procurement efficiency visible for the first time.

  • COGS total with gross profit % (GP) and KPI score
  • Average purchase cost per unit trend
  • Inventory: opening stock, purchases, closing stock
  • BFI performance index for cost efficiency
Vira HR cost analysis
03 · Human Resources

HR Cost as a % of Revenue — Tracked Over Time

HR costs are often the largest variable expense in a business — and also the most opaque. Vira tracks total payroll, average salary per employee, HR cost as a percentage of revenue, and a proprietary Wage KPI that shows whether your staffing costs are within healthy range relative to your output.

  • Total HR cost with Wage KPI score
  • Staff count, average monthly salary, salary range
  • HR cost as % of revenue, tracked monthly
  • BFI scatter chart: efficiency vs. cost position
Vira location cost analysis
04 · Location

Rent, Utilities & Location Cost per Square Metre

Location costs — rent, utilities, facility expenses — are tracked as a combined total and broken down per square metre, giving you a clean efficiency metric that makes multi-branch location cost comparison meaningful rather than just comparing different-sized spaces.

  • Total location cost with KPI and trend
  • Cost per square metre — normalized branch comparison
  • Location cost as % of revenue with efficiency rating
  • BFI positioning chart for all locations
Vira overhead and profit analysis
05 · Overhead & Net Profit

What's Left After Everything Else

After revenue, COGS, HR, and location — what remains is the overhead and ultimately the net profit. Vira tracks overhead costs by category, calculates net margin, and shows profit trend over time with the BFI index that places your profit performance in context of all other financial indicators simultaneously.

  • Overhead breakdown by category
  • Net profit and net margin % with monthly trend
  • Income vs. expense waterfall comparison
  • BFI profit positioning across periods
Branch & Brand Comparison

See Every Branch
on the Same Scale

The same five financial categories, applied to every branch and brand — with a consolidated holding view that shows the full picture at a glance.

Branch Report

Each branch gets its own full Vira report — Score, all five categories, trend analysis. Branch managers see only their own data. Owners see all branches.

Brand Comparison

For businesses with multiple brands, every financial parameter is shown per brand side by side — revenue share, COGS ratio, HR %, location cost, and net margin in one comparative table.

Holding View

The BFI Holding Report consolidates all branches and brands into a single view — total revenue, total costs, combined Score, and the contribution of each unit to overall group performance.

Cash Flow Report

The cash flow statement shows all inflows and outflows per period — operational, purchase, and financing — making liquidity visible alongside profitability.

Getting Data In

Three Ways to Connect
Your Financial Data

Vira accepts financial data however it exists in your organization — you don't need to change how you work to start using it.

Manual Entry

Enter financial data directly into Vira's structured forms — revenue, cost items, payroll, location costs, and overheads entered per period. Suitable for businesses that compile financials manually or from an accountant's summary.

Best for: businesses without accounting software integration

File Import

Import financial data from Excel or CSV — structured to Vira's template or mapped during the import process. Accountants can prepare and upload monthly reports directly without needing access to the main accounting system.

Best for: businesses with an external accountant or existing spreadsheets

API Integration

Connect Vira directly to your accounting software via API — financial data syncs automatically at the frequency you set, keeping the dashboard current without any manual steps. Compatible with major accounting platforms.

Best for: businesses with accounting software already in use

Who Uses Vira

For Owners and
Finance Teams, Together

Vira is designed to work for both audiences at once — the owner who needs a clear summary, and the finance manager who needs the full detail behind it.

Business Owners

The Score gives you a single number to check. If it's moving in the wrong direction, you drill into whichever category is driving the change — without needing to read a 40-page management report or ask your accountant to explain the figures.

  • Quick Score overview — good/average/poor at a glance
  • Branch and brand comparison without manual consolidation
  • Trend visibility — is this month better or worse than last month?

Financial Managers

The full breakdown behind the Score is always accessible — every KPI, every ratio, every trend line, and the comparative tables across branches and brands. Reports can be submitted for review, approved by stakeholders, and archived per period.

  • Full KPI detail per category with period comparison
  • Report submission, review, and approval workflow
  • Granular access control per user, per brand, per branch
Common Questions

Before You
Request a Demo

What we're asked before most Vira implementations.

Ask Directly

The Vira Score is produced by a proprietary algorithm that weighs all major accounting parameters simultaneously — revenue trend, gross margin, HR cost ratio, location efficiency, overhead control, and cash flow health. The algorithm was developed and refined through real deployment across businesses in multiple industries. The methodology is not a generic financial ratio; it's calibrated to produce a reliable composite index that reflects overall financial health rather than any single metric.

No. Vira works with whatever data format you have. If you use accounting software with an API, data can sync automatically. If your accountant produces monthly reports in Excel, those can be imported. If you prefer to enter figures manually per period, that works too. The analysis is the same regardless of input method — you're not required to change your existing process to benefit from the platform.

Yes — and this is exactly what Vira's comparison layer is designed for. Location costs are normalized per square metre so a 200m² branch and a 50m² branch are compared on equal terms. HR costs are compared as a percentage of revenue rather than absolute figures. The Score is calculated independently for each branch using the same methodology, so the comparison is always on a consistent basis — not raw numbers that favour larger locations.

Access is role-based and configurable. A branch manager can be given access only to their own branch's data. A finance manager can see all branches within a brand. An owner or CFO can see the full holding view. Access can also be restricted per module — for example, a user might see revenue and COGS data but not HR cost detail. You define what each user can see.

Yes. When used alongside Libra, cash register data flows into Vira's revenue and transaction figures automatically. When used with O2P, purchase data feeds into the COGS section. The products are designed to share data — so the financial picture Vira shows becomes more accurate and more real-time as more parts of the FardVisor product suite are in use.
Get Started

See Your Business
Through Vira's Eyes

The most useful demo is one that runs on your own financial data — even a single month's figures. We'll show you what the Score looks like, where the platform identifies issues you may not have spotted, and how the branch comparison works for your specific setup.