Balance sheet

Where you stand.
Any day of the year.

Name: app.kevinchia.sg Balance Sheet
Price: 365 SGD

What the business owns, what it owes, and what is left for you. Worked out from the same receipts as your P&L, today rather than months after year end.

Enough to run the business on, and usually enough for a bank or a landlord.3

No journal entries. No chart of accounts. Nothing typed twice.

Set it up once.
Read it whenever you like.

Pick a start date

Any day you like. Everything before it stays in your P&L as it is, with nothing to redo.

Tell it where you stood that day

What was in the bank and in cash, and what the business owed. Equipment comes from your asset register. It reads the owner’s funds back before you save.

Keep running the business

Receipts, sales, invoices and payroll keep it current on their own. Loans and money you put in are asked in plain words.

Open it on any date

Today, the end of last quarter, or the day the bank asks. It checks that it adds up every time.

How it keeps itself current

What comes out of
one year of receipts.

Year to 31 Dec 2026

RevenueS$486,200

Expenses, incl. depreciationS$401,780

Net profitS$84,420

Money in the bankS$62,480

Loans outstandingS$18,000

GST owed to IRASS$5,560

Owner’s fundsS$58,380

It answers IRAS. The profit and loss beside it is the one your Form C-S computation is worked out from, with GST split and your tax adjustments kept. You file it; the figures are already assembled.2

It usually answers a bank. A profit and loss and a balance sheet from the same records, signed off by the directors, is what a small business loan application asks for. Take them to the bank as they are.3

It usually answers a landlord. When a new lease asks whether the business can pay the rent, you can show them what it earned and what it owns, today rather than after year end.3

How we compare

app.kevinchia.sg vs a spreadsheet
and a year-end accountant

Most small businesses see a balance sheet once a year, months after the year it describes. This keeps one current the whole year, from the records you already keep.

app.kevinchia.sg

Spreadsheet + accountant

A balance sheet on any day of the year

Yes

Once a year, after they finish

Shows that it adds up

Every time you open it

When they hand it over

Equipment after depreciation

From your asset register

Worked out at year end

Checked against your bank

Whenever you open it

At year end

Money customers owe, and bills still to pay

On it, as they happen4

At year end

The XBRL file some companies file with ACRA

Not produced

Yes

Who signs it off

Your directors

Your directors, after the accountant

What it costs

Part of Pro 365, S$365 a year for every module

Their fee, every year

Price

Part of Pro 365.
S$365 a year, everything.

The balance sheet comes with the accounting, as part of Pro 365 with every other app.kevinchia.sg module. We set every business up ourselves.

Pro 365, monthly

S$49 / month

cancel any time

The balance sheet, and everything on this page
The full P&L, GST F5 and Form C-S
Every other app.kevinchia.sg module1

Pro 365, yearly

S$365 / year

about S$30 a month, billed yearly

Everything in monthly, paid once a year
Unlimited invoices, limits lifted
Every module we build later

Your starting numbers1 Jan 2026

Money in the bankS$14,200

CashS$600

Equipment, from the asset registerS$22,000

LoansS$25,000

Paid-up capitalS$10,000

So on 1 Jan 2026 the business owned S$36,800 and owed S$25,000, which leaves S$11,800 as the owner’s funds. Of that, S$10,000 is paid-up capital and S$1,800 is profit kept from before.

It reads your numbers back in a sentence before you save.

Owner’s funds31 Dec 2026

Paid-up capitalS$10,000

Profit kept from before 1 Jan 2026S$1,800

Profit since 1 Jan 2026S$84,420

Dividends paid(S$37,840)

TotalS$58,380

What is left for the shareholders.

A sole proprietor sees money put in and taken out instead.

Features

Everything in it.

What the business owns

Money in the bank and cash, kept apart
Equipment after depreciation, from the asset register
Stock at what it cost, once you use Inventory
Anything else it owned on your start date

What it owes

Loans, going down as you repay them
Money owed to a director, including things they paid for with their own money
GST owed to IRAS: collected, less claimed, less what you have paid
A refund due from IRAS shown as such when GST goes the other way

The owner’s funds

For a company: paid-up capital, profit kept, profit since, dividends paid
For a sole proprietor: what you had in, money put in, profit, money taken out
A check that it adds up, shown on the page every time

Setting it up

A start date you pick, with nothing before it to redo
Opening numbers in plain questions: bank, cash, loans, what else it owned
Company or sole proprietor, and only the questions that apply to you
Your numbers read back in a sentence before you save

Reading it

Any date you choose, not only the end of the year
Customers who owe you shown beside it, from unpaid invoices
A warning when bank or cash goes below zero, with where to look
Compare against your bank app and see how far out it is

Where the numbers come from

Your P&L, the same rows, never typed twice
Bookings, shop orders, invoices, payroll and claims posting on their own
Loans, owner money and GST paid asked in plain words

Everything auto accounting does The P&L

This is not the end
of this module.

Ask for something and it gets built. Every account has a Feedback button that raises a real ticket, read by the person who writes the code. If it would help more than one Singapore business it goes into the module and lands in every account, usually by the next working day.

Need it to work with a tool you already use? Ask the same way. We check that it can be done and tell you straight. You subscribe, by card or PayNow, we build the connection, and you try it on your own account. If we cannot make it work, you get your money back.

Before you sign up, hello@kevinchiahd.com reaches the same place.

From a customer

“An entry point for a small start-up, without being overwhelming.”

“Looking for an easy way to manage my small business, I came across app.kevinchia.sg. This solution has an entry point for a small start-up, not overwhelming, while having more sophisticated features for future scaled-up operations. Had a chance to speak to the founder Kevin and was greatly encouraged that he listens to his clients, big or small, and is always open to see how he can improve the client experience. app.kevinchia.sg not only provides a solution, but provides the relationship management as if you are a big corporate. Very glad to chance upon this software.”

Shirley Ong · Pangolin Creatives Pte Ltd

Read every review

It does not stop at accounting

Everything else feeds the same balance sheet.

A confirmed booking, a shop order, a paid invoice, a payroll run and a paid staff claim all land in your P&L on their own, and the balance sheet follows. The more of the business runs here, the less there is to record by hand.

Sale or expense→ In the P&L→ Bank or cash→ Balance sheet

Pro 365 is every module for S$365 a year, plus every module we build after you subscribe.

See Pro 365 What it includes

Questions

Frequently asked.

Will a bank accept it for a loan?

For a small business, usually yes. A bank wants a profit and loss and a balance sheet from the same records, signed off by the directors, and that is what this produces. In our own businesses, those same two statements, signed off by the directors, have been enough for a S$800,000 property loan and for a lease at S$20,000 a month. Each bank still has its own checklist, so ask yours what it wants to see.3

A landlord wants to see our accounts. Is this enough?

Usually, yes. A landlord wants to see that the business earns enough to pay the rent and what it owns and owes. This shows both as of today, ready for the directors to sign off.3

Is it enough for IRAS?

For most small businesses, the figures are. The profit and loss feeds the Form C-S page, which works out chargeable income and tax payable with the exemptions applied, and the GST F5 boxes come from the same lines. You still file it yourself, and nothing is submitted for you.2

What if I only start using it halfway through the year?

Pick a start date and tell it what the business had and owed that day. Everything before it stays as it is in your P&L, and the balance sheet runs from there.

Does it include money customers still owe me?

Yes. An invoice counts on the day you issue it and sits under “customers owe you” until it is paid. A supplier bill you mark as paying later sits under “you owe suppliers” until you mark it paid. Stock is on it once you use Inventory.4

Do I need to understand accounting to set it up?

No. It asks what was in the bank, what was in cash and what the business owed on your start date, and reads the answer back in a sentence before you save. Anything after that is asked in plain words.

Does it cost extra?

No. It is part of Pro 365, together with the P&L and every other module. Pro 365 is S$49 a month, or S$365 a year paid yearly.1

Know where you stand,
any day of the year.

Upload this month’s receipts, answer a few questions, and you have a balance sheet. Email us and we set your business up ourselves.

The balance sheet is part of Pro 365, with the P&L and every other app.kevinchia.sg module. Pro 365 is S$49 a month, or S$365 a year paid yearly (about S$30 a month), with the limits lifted and every module built after you subscribe included. Fair-use limits apply to receipt scanning.
Tax and GST figures are computed from the transactions and adjustments you enter. This is not tax or accounting advice and it is not a filing service: app.kevinchia.sg does not submit anything to IRAS on your behalf. Figures shown in the screens on this page are illustrative.
Every bank and landlord sets its own requirements, so check with the one asking. For a small business, accounts signed off by the directors are usually what is asked for; the S$800,000 loan and S$20,000-a-month lease mentioned on this page are our own, not a customer’s; those accounts were prepared in another accounting package before app.kevinchia.sg had a balance sheet, and are not a promise of any outcome.
Sales count on the invoice date and costs on the receipt or bill date. Invoices not yet paid are shown as money customers owe you, and bills you mark as paying later as money you owe suppliers, until each is paid. Stock is on it once you use Inventory, valued at what it cost. It does not produce the XBRL file some companies file with ACRA.

Where you stand.Any day of the year.

Set it up once.Read it whenever you like.