The Concentration Risk Reality Check

from WrngWaay — who's really running your business? You, or the customers you can't afford to lose?

Want to see how it works first? Load a worked example

What's your best customer relationship like? Required

What would losing them mean? Required

Your business

Total revenue, last 12 months

Total number of customers

Your top customers: revenue from each, last 12 months

Rank them largest to smallest. If you have fewer than 5 customers, type 0 in the ones you don't have — a blank box and a zero are not the same answer.

#1: your largest customer

Every box above is required, including both questions. If one is genuinely zero, type 0 — a blank box and a zero are not the same answer.

Here's what we see in those numbers:

Average customer

Typical customer †

Top 3 share

Top 5 share

† average value of your customers outside the top 5

concentration risk card

Your top customer

Revenue without them

Top 3 combined

Top customer vs. average

× your average customer

This is one decision in your cockpit. The same gap between the story you tell yourself and what the cash actually does is hiding in your pricing, your retention, and your customer mix too. Want me to look at the rest?

How to read this

What you are reading is arithmetic on the numbers you gave us. It is honest arithmetic, but it only knows what you typed — not your season, not the customer who always pays late, not the invoice landing next Tuesday. You know those things and this page does not. Use it to decide where to look, then check what you find against what you know.

Where we draw the line between comfortable and thin is our judgment, not a rule of accounting. Your bank, your accountant, or your own gut may draw it somewhere else.

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