financial-statements-literacy SKILL.md skillA

financial-statements-literacy from amey-thakur/ai-skills is an agent skill: a SKILL.md folder an AI agent loads when a task calls for it.

Install it, pinned
mdr add amey-thakur/ai-skills/financial-statements-literacy@git:20260728.2d6d1c9

Pins git:20260728.2d6d1c9 in mdr.lock. Pin the fingerprint instead.

Audit grade
A, 17 of 17 checks passed
Kind
SKILL.md skill
Repository
amey-thakur/ai-skills
Path
skills/business-fundamentals/financial-statements-literacy/SKILL.md
Versions recorded
1
Latest version
git:20260728.2d6d1c9, committed Jul 28, 2026
Size
2,016 bytes
Repository stars
14
License
MIT

Read a profit and loss, balance sheet, and cash flow statement well enough to see what a business is actually doing. Use when reviewing your own numbers, a partner's, or an acquisition target's.

Collected from public GitHub. Every version is saved exactly as it was and never changes. Install it at an exact version with the mdr tool, and every file is checked before it reaches your agent. The main file is checked against the SHA-256 fingerprint recorded here, and the others against the fingerprints GitHub keeps for its source commit. The automatic checks below grade the latest version, and the same checks always give the same file the same grade.

What the file says

# Financial statements literacy

Three statements describe a business from three angles, and the story
only makes sense when read together. Profit without cash, or growth
funded by debt, are visible immediately to someone who reads all three
and invisible to someone who reads one.

## Method

1. **Read the cash flow statement first.** Profit is an accounting
   judgement; cash movement is closer to fact, and businesses fail from
   running out of cash rather than from reporting a loss.
2. **Trace how profit differs from cash.** Working capital changes,
   capitalised costs, and depreciation explain the gap, and a large
   unexplained gap is the question to ask.
3. **Read the balance sheet for obligations.** What is owed and when,
   because a solvent-looking business with debt maturing next quarter is
   a different business.
4. **Distinguish recurring from one-off.** A profitable year containing
   an asset sale is not a profitable business, and this is the most
   common presentational distortion.
5. **Compare periods, not just levels.** Direction and rate of change
   carry more information than any single figure.
…

Read the whole file at its exact version.

How to install

The exact contents, by fingerprint
mdr add amey-thakur/ai-skills/financial-statements-literacy@sha256:5f5c5f326d6cd3c0

The line at the top of this page pins the label git:20260728.2d6d1c9, which is what most people want. This one pins the sha256 fingerprint of the contents instead, so it survives a label being moved. Either way the exact version is written to mdr.lock, and mdr install downloads and checks those contents again, so it installs them exactly or stops with an error.

Badge

mdr badge

[![mdr](https://markdownregistry.com/badge/art_kjirfctzv5nn5dk7.svg)](https://markdownregistry.com/a/art_kjirfctzv5nn5dk7)

4 badge image fetches in 30 days. What the badge shows.

Versions

The registry has recorded 1 version of this file, committed on Jul 28, 2026.

versioncommittedcommitsizeaudit
git:20260728.2d6d1c9 latest2026-07-28 2d6d1c9 2,016 BA view

Audit of the latest version

A  17 of 17 checks passed. Fixed automatic checks with no AI involved, so the same checks give the same answer every run.
  • pass: Frontmatter block present
  • pass: Frontmatter declares a name
  • pass: Frontmatter declares a description
  • pass: Size between 200 bytes and 200 KB (2016 bytes)
  • pass: No zero-width or bidi control characters
  • pass: No instruction hidden inside an HTML comment
  • pass: No link to an exfiltration or paste host
  • pass: No credential-shaped string
  • pass: No instruction to send local credentials anywhere
  • pass: No text hidden with inline styles
  • pass: No prompt-injection phrasing
  • pass: No curl or wget piped into a shell
  • pass: No recursive delete of root, home or parent
  • pass: No instruction to read or print local credentials
  • pass: No base64 blob over 200 characters
  • pass: No link to a raw IP address
  • pass: No script tag

Source

GitHub

amey-thakur/ai-skills · 14 stars · license MIT · pushed 2026-09-06 · branch main

API

GET https://markdownregistry.com/api/v1/artifacts/art_kjirfctzv5nn5dk7
GET https://markdownregistry.com/api/v1/resolve?ref=amey-thakur/ai-skills/financial-statements-literacy
GET https://markdownregistry.com/api/v1/blob/5f5c5f326d6cd3c0385c5cdce36ea21aa2a3e3702980f82141a231810ed8abbb

Your AI assistant does the legwork. You hear about the deals worth your word. Hand yours the standing instructions at modelranch.com and it joins the network that reads files like this one.

Guides: the SKILL.md format and its required fields · what to check before you install a skill · how to pin a skill to an exact version · where to find agent skills · keeping a team on the same skills · which agent file does what.

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