bkept.
The Kept Memo · September 2026
Sample
Prepared for: a 12-person design studio
Sent: October 10
Sent: October 10
Key Figures
Income$142,300+10% vs August
Expenses$126,700+8% vs August
Net income$15,600+$5,800 vs August
Bank balance$188,400
Open invoices$61,200$38,500 overdue
Open bills$22,900
In a real memo, this is a screenshot of the key figures straight from QuickBooks Online. Full reports are attached.
Reconciliations
| Account | Balance | Status |
|---|---|---|
| Operating checking | $188,400 | Reconciled |
| Savings | $60,000 | Reconciled |
| Business credit card | $7,850 | Reconciled |
| Equipment loan | $42,300 | Reconciled |
| Stripe merchant account | $3,120 | Pending |
Notes
Late invoices. Two clients owe $38,500, both past 60 days. We'd like to send a firm reminder this week unless you'd rather call them first. Let us know on Thursday's call.
Stripe is still pending because September's payout report hasn't posted yet. We expect to finish it by October 18 and will confirm by email.
Full P&L, Balance Sheet and Cash Flow Statement attached. We'll walk through all of this at your monthly review.