ISA 570 · Technology Startups

Going Concern Checklist for Technology Startups

Tailored going concern assessment for technology startups and scale-ups. Covers industry-specific indicators including cash runway, funding pipeline, burn rate trajectory, and revenue milestone achievement.

Engagement context

Set the entity details for your working paper. The assessment period is calculated per ISA 570.3.

Indicators

Check all indicators that apply to the entity. 21 indicators from ISA 570.A2/A7 including ISA 570 (Revised 2024) additions. Expand any indicator to see working paper guidance and the likely review challenge.

HighFinancial
Net liability or net current liability position
HighFinancial
Fixed-term borrowings approaching maturity without realistic refinancing prospects
HighFinancial
Loan covenant breaches or indications that financial support may be withdrawn
HighFinancial
Substantial operating losses or significant deterioration in the value of assets
MediumFinancial
Arrears or discontinuance of dividends
MediumFinancial
Inability to pay creditors on due dates
MediumFinancial
Adverse key financial ratios
MediumFinancial
Negative operating cash flows indicated by historical or prospective financial statements
HighOperating
Management intentions to liquidate the entity or cease operations
HighOperating
Loss of key management or personnel without replacement
HighOperating
Loss of a major market, franchise, licence, or principal supplier
MediumOperating
Labour difficulties or shortages of important supplies
MediumOperating
Fundamental changes in market or technology that the entity cannot adapt to
LowOperating
Dependence on the success of a particular project
HighOther
Legal proceedings or regulatory action that may result in claims the entity cannot meet
HighOther
Changes in law or regulation expected to adversely affect the entity
MediumOther
Non-compliance with capital or other statutory requirements
MediumOther
Catastrophic loss of a major asset
LowOther
Excessive dependence on short-term borrowings to fund long-term assets
MediumOther
Business interruption from cyber attacks or IT system failure
MediumOther
Exposure to climate-related physical or transition risks threatening the business model

ISA 570 Going Concern Reference Card: free PDF

One page for your planning folder: the indicator severity matrix, ISA 570.3 assessment period checklist, draft MURGC paragraph, ISA 570.16–.19 evidence requirements, and a summary of the key ISA 570 (Revised 2024) changes effective December 2026. Plus one practical audit insight per week.

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All 0 indicators with ISA 570 paragraph citations
Management's mitigation plans documented per ISA 570.16
Cash flow runway stress test with 4 scenarios
Sensitivity analysis: impact of additional indicators
Disclosure adequacy assessment (ISA 570.19–23)
ISA 570 (Revised 2024) readiness checklist
Procedures checklist and draft auditor's report paragraph
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How the score works

Each indicator is weighted by severity: High = 3 points, Medium = 2 points, Low = 1 point.

Assessment levels are determined by two criteria (whichever is met first):

  • Substantial doubt: ≥2 high-severity indicators OR weighted score ≥8
  • Significant concern: ≥1 high-severity indicator OR weighted score ≥4
  • Limited concern: Weighted score ≥1
  • No indicators: Score = 0

The 21 indicators are sourced from ISA 570.A2 (current) and ISA 570 (Revised 2024) A7, covering financial, operating, and other categories.

This scoring is a starting point for professional judgment. The auditor must consider entity-specific circumstances, industry context, and the collective effect of indicators when forming a conclusion.

ISA 570.9: The auditor shall evaluate management's assessment of the entity's ability to continue as a going concern.

ISA 570.A2/A7: Events or conditions that may cast significant doubt include financial, operating, and other indicators.

ISA 570.16: If events or conditions have been identified, the auditor shall obtain sufficient appropriate audit evidence about whether a material uncertainty exists.

Going concern assessment: Technology Startups

Technology startups operate in a fundamentally different going concern paradigm from established businesses: they are expected to burn cash. The going concern assessment is not about profitability but about whether the entity has sufficient runway to reach the next funding milestone, achieve profitability, or otherwise sustain operations. This makes cash runway analysis and funding pipeline assessment the central focus.

Key risk factors: Technology Startups

Key technology startup going concern indicators include: cash runway of less than 12 months without committed additional funding, failure to achieve key product or revenue milestones required for the next funding round, declining venture capital market conditions making fundraising uncertain, unsustainable customer acquisition costs (CAC) relative to customer lifetime value (LTV), key employee departures that could delay product development or undermine investor confidence, and absence of a credible path to profitability or further funding.

Cash runway calculation — this is the single most important assessment. Calculate months of cash remaining at the current burn rate, and also at an accelerated burn rate if growth investment is continuing.

Funding pipeline — assess whether the next funding round is committed, in term sheet stage, or purely speculative. Only committed funding (signed term sheets with closing conditions substantially met) should be treated as probable.

Burn rate trajectory — is the monthly cash burn increasing, stable, or decreasing? An increasing burn rate shortens runway faster than a linear projection suggests.

Revenue milestone achievement — many startups need to demonstrate traction (ARR targets, user growth, unit economics) to secure the next funding round. Assess whether these milestones are achievable.

Customer concentration — early-stage companies often depend on a small number of early adopters. Loss of one or two key customers can simultaneously destroy revenue and undermine the fundraising narrative.

Management's contingency plans — what can management actually cut to extend runway? Assess the credibility of cost reduction scenarios and whether they would impair the business beyond recovery.

Frequently asked questions

What are the key going concern risk factors for technology startups?
Key technology startup going concern indicators include: cash runway of less than 12 months without committed additional funding, failure to achieve key product or revenue milestones required for the next funding round, declining venture capital market conditions making fundraising uncertain, unsustainable customer acquisition costs (CAC) relative to customer lifetime value (LTV), key employee departures that could delay product development or undermine investor confidence, and absence of a credible path to profitability or further funding.
What should auditors consider when assessing going concern for technology startups?
Cash runway calculation — this is the single most important assessment. Calculate months of cash remaining at the current burn rate, and also at an accelerated burn rate if growth investment is continuing. Funding pipeline — assess whether the next funding round is committed, in term sheet stage, or purely speculative. Only committed funding (signed term sheets with closing conditions substantially met) should be treated as probable. Burn rate trajectory — is the monthly cash burn increasing, stable, or decreasing? An increasing burn rate shortens runway faster than a linear projection suggests. Revenue milestone achievement — many startups need to demonstrate traction (ARR targets, user growth, unit economics) to secure the next funding round. Assess whether these milestones are achievable. Customer concentration — early-stage companies often depend on a small number of early adopters. Loss of one or two key customers can simultaneously destroy revenue and undermine the fundraising narrative. Management's contingency plans — what can management actually cut to extend runway? Assess the credibility of cost reduction scenarios and whether they would impair the business beyond recovery.
What is the ISA 570 going concern assessment period?
The going concern assessment must cover at least 12 months from the date the financial statements are expected to be authorised for issue, not from the balance sheet date. This distinction matters: for entities with a long time between year-end and signing, the assessment period may extend significantly into the future.

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