What is a good Nella Score?

A score of 80 or above reads as Strong and 65 or above as Healthy. Below 50, Nella is telling you there are several areas worth addressing. The bands are risk-first, so a single weak dimension caps the headline band — a business with a genuine red flag will not read as Strong on the strength of its other numbers.

How often does my Nella Score change?

It is recalculated whenever Nella rebuilds your figures from your accounting data, so it moves as your numbers move — when invoices are raised or paid, when the bank is reconciled, and when the books are brought up to date.

Can I improve my Nella Score?

The score follows your figures, so it moves when they do. Bookkeeping quality is usually where movement shows fastest, because uncategorised items and unreconciled bank lines are within your control and also affect how confidently the other dimensions can be scored. Nella shows you which dimension scored lowest; it does not tell you what to do about it.

Does Nella compare me with other companies?

No. Your score is calculated only from your own figures. It is not a percentile, a ranking, or a comparison against other businesses on Nella or in your sector.

What happens if there is not enough data to score me?

Nella scores only what it can see. Dimensions that cannot be assessed are excluded and the rest rescaled. If fewer than four of the five dimensions can be assessed, Nella shows “Not enough data to score yet” rather than publishing a number it cannot stand behind.

Is the Nella Score financial advice?

No. Nella provides financial information and education, not accounting or tax advice. The score describes what your figures show; for a decision that needs professional judgment, speak to a qualified accountant.

Glossary

What is the Nella Score?

Q: Is the Nella Score a credit score?

No. It is an indicator built from your own accounting data for your own use. It has no bearing on your credit file, it is not issued by any regulator, lender or professional body, and it is not a measure of tax compliance or filing status.

The Nella Score is a finance health check from 0 to 100, calculated from a business's own accounting data. It scores five dimensions out of 20 each: cash visibility, margin health, debtor risk, bookkeeping quality and growth readiness. The arithmetic runs in code, so the same figures always give the same score; an AI model writes the explanation but never sets the number.

The score is the first thing Nella produces after a ledger is connected and is recalculated monthly. It is a way of seeing which part of the business is worth attention first, not a credit score and not an audit.

Nella provides financial information and education, not accounting or tax advice.

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FAQ

Questions people ask

Is the Nella Score a credit score?

No. It is calculated from the business's own books and is not reported to anyone. It summarizes financial health as the figures show it.

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What is the Nella Score?

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