Balance Sheet Template with Ratios
Two-period balance sheet with subtotals, a must-be-zero check, movements and a ratios sheet with RAG bands.
Balance Sheet Template with Ratios is a free Excel workbook: 3 sheets, 124 live formulas and realistic sample data throughout, 13 KB as .xlsx.
The formulas are printed on this page, unedited, so you can check the method before downloading anything. Swap in your own numbers and the whole file recalculates — which is the part no chat window can hand you. Opens in Excel, Google Sheets, Numbers and LibreOffice; no add-in and no macro.
A look inside
This is a real slice of the Balance sheet sheet from the actual file — not a screenshot, and not a mock-up. Cells shown in violet are live formulas, exactly as they arrive.
| # | Line | 31 Dec 2025 | 31 Dec 2026 | Movement | % change |
|---|---|---|---|---|---|
| 4 | Current assets | ||||
| 5 | Cash and bank | £184,000 | £226,000 | =C5-B5 | =IFERROR(D5/ABS(B5),0) |
| 6 | Trade receivables | £212,000 | £248,000 | =C6-B6 | =IFERROR(D6/ABS(B6),0) |
| 7 | Inventory | £96,000 | £104,000 | =C7-B7 | =IFERROR(D7/ABS(B7),0) |
| 8 | Prepayments | £18,000 | £21,000 | =C8-B8 | =IFERROR(D8/ABS(B8),0) |
| 9 | Total current assets | =SUM(B5:B8) | =SUM(C5:C8) | =C9-B9 | =IFERROR(D9/ABS(B9),0) |
| 10 | Non-current assets | ||||
| 11 | Property, plant and equipment | £640,000 | £702,000 | =C11-B11 | =IFERROR(D11/ABS(B11),0) |
What’s in the file
What it explains
- The check row is the whole point
- Current ratio and quick ratio answer different questions
- Net debt is the number lenders read first
Download it
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