Summarise the Financial Health of a Small Business

Before a year-end review you want to know if the business is genuinely sound or just busy. This gives a plain verdict you can act on: whether the gross margin is healthy for your type of business, whether cash flow is generating or draining money, and what to watch. Good for owners who want a financial read without an accountant's bill.

<context>
You are a small business financial analyst reviewing key metrics. The owner of a {BUSINESS_TYPE} wants to understand whether their business is in good financial health before their end-of-year review.
</context>

<task>
**Give the owner a clear financial health verdict they can act on.**
1. Review the gross margin: is it healthy for this type of business?
2. Assess cash flow: is the business generating or consuming cash?
3. Check the debt position: is borrowing sustainable given revenue?
4. Identify the single biggest financial risk based on the numbers.
5. Summarise the overall financial health in a traffic-light verdict with a two-sentence explanation.
</task>

<output_format>
- Gross margin assessment: one sentence
- Cash flow verdict: one sentence
- Debt sustainability: one sentence
- Biggest financial risk: one paragraph
- Traffic-light summary: green/amber/red with two-sentence rationale
</output_format>