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Finance analystEMEA · March 2026

Why did gross margin decline in EMEA this month?

Rebase Agent

Gross margin declined 3.2 pts.

41.6% in February → 38.4% in March

Primary drivers

  1. 1Freight costs+$420K · −1.3 pts
  2. 2Product mix−1.1 pts
  3. 3Discounting−0.8 pts

Sources

  • Business CentralERPRevenue, COGS and freight by region
  • SalesforceCRMDeal discounts and product lines
  • SnowflakeWarehouseShipments and carrier rates
Generate report
An illustration of the Rebase finance analyst answering why EMEA gross margin fell in March 2026: down 3.2 points, from 41.6% to 38.4%, driven by freight, product mix and discounting, with its sources in Business Central, Salesforce and Snowflake.

The answer is usually spread across five systems and three spreadsheets.

One question from the CFO sets off a chain of exports, lookups and rebuilds. By the time the answer arrives, the meeting it was for has happened.

  1. Mon 09:10The CFO asks why EMEA margin fell
  2. Mon 10:30Export revenue and COGS from the ERP
  3. Mon 14:00Pull discounts and product lines from the CRM
  4. Tue 09:00Update last quarter's margin spreadsheet
  5. Tue 13:30Rebuild the bridge by driver
  6. Tue 17:00Tie it back to the trial balance
  7. Wed 11:00Turn it into slides and commentary
  8. Wed 16:40The answer goes back to the CFO

The hard part isn't asking the question. It's assembling context you can trust.

An illustration of a finance question answered by hand: eight steps from the CFO asking on Monday morning to the answer on Wednesday afternoon.

Ask. Investigate. Create.

A question goes in; the analysis and the file it belongs in come out. Rebase does the gathering and the arithmetic in between.

  1. 01

    Ask

    Ask a finance question in plain language, the way you'd ask your best analyst.

    How did March operating expenses compare with budget, by department?

  2. 02

    Investigate

    Rebase queries the systems that hold the answer, runs the calculations, and reads the source records.

    Business CentralActuals by department, March

    SnowflakeFY2026 budget, March

    Calculating variance by line

  3. 03

    Create

    It returns the answer with the analysis behind it, as a chart, a workbook, commentary or a report.

    OpEx_vs_Budget_March.xlsx

    OpEx_Commentary_March.docx

The questions finance gets asked every month.

Six kinds of analysis Rebase takes from question to finished work. Open one to see what it does.

  • 01Variance analysisExplain actual against budget and forecast movements.
    What Rebase does

    Finds every line over your threshold, drills into the transactions behind it, and writes the explanation with the figures that support it.

    6510 · Travel · $145,900 against $95,000 budget · 3 offsites explain $41,200

  • 02Management reportingProduce recurring monthly or quarterly reporting packages.
    What Rebase does

    Builds the same package each period from the same definitions, refreshes the figures and drafts the commentary, so month two is quicker than month one.

    March management pack · P&L, balance sheet, cash flow, KPIs · 14 pages

  • 03Ad hoc analysisAnswer one-off questions from the CFO and the finance team.
    What Rebase does

    Takes a question nobody has asked before, works out which systems hold the answer, and shows its working.

    “Which customers moved to annual billing this year, and what did it do to cash?”

  • 04Margin analysisInvestigate profitability by product, customer, region or channel.
    What Rebase does

    Joins revenue, cost and discount data across the ERP, CRM and warehouse, and separates price, volume, mix and cost effects.

    EMEA gross margin −3.2 pts · freight −1.3 · mix −1.1 · discounting −0.8

  • 05Spend analysisUnderstand changes in operating expenses and vendor spend.
    What Rebase does

    Breaks spend down by vendor, department and category, and says which changes are new commitments and which are one-offs.

    Top 20 vendors · 71% of spend · 4 new since January · 2 up more than 30%

  • 06Board reportingPrepare the analysis, commentary and supporting reports.
    What Rebase does

    Drafts the board pack's finance section, the charts and commentary with every figure traceable to the ledger, ready for the CFO's edit.

    Q1 board pack · finance section · 9 slides · every figure sourced

Worked example

A 14% jump in operating expenses, explained.

One question, answered the way a senior analyst would: material accounts first, then transactions, then the reasons.

The question. “What caused operating expenses to increase 14% this month?”
  1. 1Identifies the material accounts: three explain 94% of the movement.
  2. 2Drills into the transactions behind each one.
  3. 3Groups them into drivers: a commitment, new people, legal work and the rest.
  4. 4Connects each driver to its cause: the AWS renewal, 14 March starters in the payroll register, 6 legal invoices.
  5. 5Validates the total against the trial balance in Business Central.
  6. 6Writes the commentary, and flags what the close team should look at.
Finance analystGroup · March 2026

Operating expenses increased $1.8M.

$12.9M in February → $14.7M in March · +14%

  • $920KAnnual cloud commitment
    6120 · Cloud hosting · 1 invoice · Business Central
  • $510KNew hires
    6010 · Salaries · 14 starters · payroll register
  • $260KLegal spend
    6410 · Legal · 6 invoices · Business Central
  • $110KOther
    23 accounts · 312 transactions

Commentary

Half the increase is the AWS annual commitment, expensed in full in March. It likely belongs in prepaid and should be amortised; flagged for the close team. Excluding it, operating expenses rose 7%.

Ties to the trial balanceGenerate report
An illustration of the Rebase finance analyst explaining a $1.8M rise in operating expenses: $920K cloud commitment, $510K new hires, $260K legal and $110K other, each linked to its source, validated against the trial balance.

From an answer to the finished work.

Finance Analyst isn't only chat. The same analysis becomes the report, the workbook, the commentary or the board slides your team would otherwise build by hand.

  1. Question

    Why did gross margin decline in EMEA this month?

  2. Analysis

    −3.2 pts: freight, product mix, discounting

  3. Generate report

    EMEA margin review, Word, with charts

Management report

EMEA_Margin_Review_March.docx

EMEA gross margin review, March 2026

Gross margin fell 3.2 points to 38.4%. Freight is the largest driver: carrier rates rose on the Rotterdam lanes in February and reached invoices in March. A shift toward lower-margin product lines and deeper quarter-end discounting account for the rest.

Margin bridge, points

  • Freight−1.3
  • Product mix−1.1
  • Discounting−0.8
Revenue
$32.3M
Gross profit
$12.4M
Gross margin
38.4%

Sources: Business Central general ledger, Salesforce opportunities, Snowflake shipments. Every figure links to its query.

  • Report
  • Spreadsheet
  • Management commentary
  • Chart
  • Board material
An illustration of an answer becoming a finished report: the question, the analysis, a click on Generate report, and a two-page EMEA margin review with a driver chart, key figures and sources.

Answers you can trace back to the books.

Every statement opens onto the calculation behind it, the account, the transaction and the system it came from. That is the difference between an answer and a guess.

  1. Statement

    Freight costs rose $420K and took 1.3 points off EMEA margin.

  2. Calculation

    $1,960,000 − $1,540,000 = $420,000 · ÷ $32.3M revenue = 1.3 pts

  3. Account

    5310 · Freight out, EMEA · 212 postings in March

  4. Transaction

    JE-8812 · DHL Express invoice 88-4410 · $186,240.00 · 28 Mar

  5. Source system

    Business Central · Acme Holdings EMEA · 88-4410.pdf

An illustration of one statement traced to its source: freight costs rose $420K, the calculation behind it, the freight account, one DHL invoice and the Business Central record it came from.
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