Balance Sheet Example: Simple and Classified (Annotated)
The fastest way to understand a balance sheet is to read a finished one. Here's a realistic small-business example, twice: the simple layout, then the classified version lenders prefer.
The simple example
Assets: cash $24,500, receivables $8,200, equipment $15,000 — total $47,700. Liabilities: payables $4,900, credit card $2,300, loan $18,000 — total $25,200. Equity: $22,500. The check: $25,200 + $22,500 = $47,700. Every balance sheet, however fancy, is this structure wearing more rows.
The classified version
Same numbers, grouped by time: current assets (convertible to cash within a year) vs fixed; current liabilities (due within a year) vs long-term. Lenders read the classified form because it exposes liquidity — can current assets cover current liabilities? That ratio decides overdrafts and credit lines.
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The generator on this site starts you with these exact sections — replace the example numbers with yours, watch the totals reconcile live, and print or export the finished statement. Excel export comes with paid plans.
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