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Resolv Ahead
Client Health Check
Firm wide ATO risk triage
Private and confidential
Resolv Ahead • Client Health Check

Get ahead of your clients' ATO problems

We see the same pattern time and again: ATO debt building for several quarters, lodgements falling behind until periods lock down. By the time the ATO's letters land, the options have narrowed. Resolv Ahead puts you in front of it. One review of your whole book, from two reports you already have, finds the clients to have a proactive conversation with now, before the ATO starts that conversation for them.

Your clients' files are not uploaded. They stay on your computer. How it works

Before the letters land
Get ahead of the debtFind the ATO debt that has been quietly building, before the ATO starts chasing it.
Get ahead of the lockdownCatch the lodgements slipping before a director penalty locks in and only payment will clear it.
Get ahead of the slideSee who has gone backwards since your last review, while there is still time to turn it around.
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Load your reports
1

Your details

What Resolv receives. Your clients' files are processed on your computer and are never uploaded. Running a review sends Resolv a short summary: your firm name, your email, the date, how many clients fall in each tier, and your answer below. No client names, TFNs, ABNs or dollar figures. How it works

Are you happy for Resolv to contact you about the results?
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Your reports

How to get the two reports

From Online services for agents, download the Outstanding activity statement report and the Client account running balance report as CSV, and drop both into This quarter. The page works out which is which.

Loads a made up practice with invented clients, so you can see the full review before using your own reports.

This quarter

Required. Either report alone will run, with less detail.

    Last review

    Optional. The same two reports from your last review, to show movement.
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      01
      About the report

      About the report

      The Client Health Check compares your clients' ATO running balances with their outstanding lodgements, looking for the warning signs we see time and again in businesses heading into financial difficulty.

      It is by no means a perfect science. A client can carry a high debt because of a recent lodgement, such as an income tax return, or simply because they are a large taxpayer. The tiers are there to separate those out. A client with a high or increasing debt, together with a growing number of unlodged periods, is showing the warning signs of insolvency and is worth a conversation.

      A high debt on its own does not mean a client is at risk. It is worth a conversation with the file manager to understand whether the debt is known, manageable and under control, or whether it has built up over several quarters and the client cannot get on top of it. Even on a payment plan with the ATO, it is worth asking whether the plan is putting pressure on cash flow, and whether there is a better alternative.

      How to read the tiers

      The tiers sort the list. Your own knowledge of each client decides what happens next: whether they need a proactive conversation, should be referred to Resolv, or are under control and simply part of normal business.

      Tier 1

      Flashing red

      The clearest warning signs: high debt with outstanding lodgements, or a long run of outstanding lodgements. These clients need a more detailed review and, where necessary, a conversation. Refer them to Resolv, or talk them through with us first. Some will not engage, but at least an effort has been made to explain where they stand.

      Tier 2

      A closer eye on the detail

      Warning signs worth checking against what you know: debt at a level the ATO acts on, or lodgements starting to slip. The detail sits outside the reports. If one needs a conversation, we are happy to talk it through with you.

      Tier 3

      No high level warning signs

      Clients we do not believe are showing the high level warning signs. We do not know the ins and outs of each client, so your own knowledge of them is what confirms it.

      Personal debt

      Any individual with a high personal tax debt concerns us, unless they are a high net worth individual. The personal side is harder to manage, because the options sit under the Bankruptcy Act, so those conversations are best had early.

      Running it again

      Keep your reports each time. Next time you run the review, load the old ones as your last review, whether that was three, six or twelve months ago. The report then highlights clients moving the wrong way: debt that is not getting better, or unlodged periods that are increasing, and clients that should be considered for a higher tier.

      For the wider picture from the accountant's side, see the Accountant Guide. For how your clients' data is handled, see How it works.

      02
      Get the reports

      How to get the two reports

      Both sit in the same place in Online services for agents and cover every client linked to your agent number. Download them as CSV and keep them exactly as they arrive.

      1. Open the reports. In Online services for agents, select Reports and forms, then Reports.
      2. Order the Outstanding activity statement report. Under On demand reports, request the Outstanding activity statement report. The ATO can take up to 24 hours to prepare it. When a CSV download link appears, download it. The link expires 7 days after the request.
      3. Download the Client account running balance report. Under Pre-generated reports, select the Client account running balance report and download it as CSV.
      4. Run the review. Drop both files into This quarter above, and select Run the review. If you kept the files from your last review, drop them into Last review to see what has moved.

      Two tips

      • Keep each review's pair of files. Next time they become the comparison that shows which clients are getting worse.
      • Not ready to use your own data yet? Select See an example first to run it on a made up practice.

      Menu names from the ATO's Online services for agents user guide, Reports (last updated 17 August 2026).