Q4 2026
QuarterlyThis is effectively a one-month read: only October 2026 carries live data, while November and December are empty shells. The quarterly net worth collapse of K299,369 to K0 (-100%) is a data artifact from missing months, not a real wipeout — the live net worth holds steady at K222,655 (K215,341 ZMW plus USD 362.90). October itself is the concern: business spend hit K91,310.61, up 20.6% from September's K75,703.90 and the highest burn since the May K155,715 anomaly. October credits of K97,711.58 (K93,264 into Stanbic Business) roughly covered the spend, leaving a razor-thin operating margin versus September's healthy K43,720 profit. The direction is negative on a cost basis: rent (K30,000), Dining (K13,212), Mobile Money (K13,388), and Groceries (K10,750) alone consumed K67,350, two-thirds of outflows.
This is effectively a one-month read: only October 2026 carries live data, while November and December are empty shells. The quarterly net worth collapse of K299,369 to K0 (-100%) is a data artifact from missing months, not a real wipeout — the live net worth holds steady at K222,655 (K215,341 ZMW plus USD 362.90). October itself is the concern: business spend hit K91,310.61, up 20.6% from September's K75,703.90 and the highest burn since the May K155,715 anomaly. October credits of K97,711.58 (K93,264 into Stanbic Business) roughly covered the spend, leaving a razor-thin operating margin versus September's healthy K43,720 profit. The direction is negative on a cost basis: rent (K30,000), Dining (K13,212), Mobile Money (K13,388), and Groceries (K10,750) alone consumed K67,350, two-thirds of outflows.