DY Holdings LLC
5 Issues
-$9,503
Jan 2026 Net Income
Revenue$141,293
Expenses$106,543
Other Expenses$44,253
AP Outstanding$749,209
Due from Circle K$597,419
JRD Companies (IN N OUT)
Needs Re-Auth
--
Live data requires token refresh
POS SystemPRI*SCAN
Sync PipelineBuilt
Account Map32 departments
Last SyncMar 26
JEs Posted7 days (54177-54183)
JRD Auto (Maplewood)
Needs Re-Auth
--
Live data requires token refresh
Shop SystemMitchell1
Data SourceSQL Server
QBO SyncNot Built
ROs to Import88,000+
Quick Stats (DY Holdings Jan-Feb 2026)
Total Deposits
$410,901
Tradition + Lakeview (2 months)
Total Purchases
$579,336
All accounts (2 months)
Payroll (Paycor)
$57,394
Jan $18.3K + Feb $39.1K
Amex Charges
$35,410
87 Jan + 93 Feb transactions
DY Holdings LLC — Holiday Stationstores #3851
16255 Ipava Ave, Lakeville MN 55044 | Circle K Franchise | QBO Realm: 9341454651353319
January 2026 P&L
Net Loss
| Fuel Sales (Petroleum) | $361,806 |
| Inside Fuel Margin | $29,835 |
| Inside Sales | $113,519 |
| Inside COS | ($27,250) |
| Car Wash | $24,129 |
| Lottery Revenue | $1,510 |
| Other Income | $413 |
| Total Income | $141,293 |
| Payroll | $19,080 |
| Controllable Expenses | $50,280 |
| Non-Controllable | $14,027 |
| Payroll Expenses (taxes) | $23,155 |
| Total Expenses | $106,543 |
| Other Expenses | $44,253 |
| Net Income | ($9,503) |
Balance Sheet Highlights
Imbalances
| Assets | |
|---|---|
| Tradition Capital Bank | $72,429 |
| Lakeview Bank | $9,189 |
| Inventory (all) | $357,040 |
| Loan to Shareholder | $150,000 |
| Due from Circle K | $597,419 |
| Fixed Assets (net) | $1,060,647 |
| Liabilities | |
| Accounts Payable | ($749,209) |
| Notes Payable (all) | ($2,348,775) |
| Accrued Payroll | ($6,101) |
| Clearing Accounts (should be ~$0) | |
| EFT Clearing | ($25,263) |
| Sales & Deposits Clearing | ($20,840) |
| Payroll Clearing | $15,783 |
| AP Clearing | ($880) |
| Undeposited Cash | ($8,722) |
| Wrong-Sign Liabilities | |
| Lottery Payable | $32,786 (DR!) |
| Sales Tax Payable | $1,989 (DR!) |
| Gift Cards | $3,138 (DR!) |
January Transactions
Top Vendors (Bills)
| Vendor | Amount | Bills |
|---|---|---|
| Circle K | $396,717 | ~140 |
| Great Lakes Coca Cola | $6,817 | ~5 |
| Lakeville Lawn Care | $3,945 | ~3 |
| Autowash Systems | $2,751 | ~2 |
| American Bottling | $1,284 | ~2 |
159 bills totaling $413,422 vs only 15 payments ($27,773) = $385,649 unpaid
Amex Spending Analysis
| Vendor | Jan | Feb |
|---|---|---|
| Amazon | $5,088 | $2,916 |
| Indeed (hiring) | $1,407 | $3,988 |
| DoorDash | $907 | $705 |
| Microsoft | $535 | $1,699 |
| Anthropic (AI) | $376 | $532 |
| ChatGPT (AI) | $222 | $200 |
| Lenscrafters | $805 | -- |
| Joshua Clemons | -- | $8,000 |
| Total Amex | $14,371 | $21,039 |
Journal Entries (Jan 2026)
| Date | Doc# | Description | Amount | Flag |
|---|---|---|---|---|
| 01/31 | January Fuel inv adj | Inventory Gas → Fuel COS | $16,701 | |
| 01/04 | 12.31.26 EFT | Payroll Clearing → Wages/FICA | $17,296 | Wrong year? |
| 01/01 | undefinedR | Accrued Payroll reversal | $12,280 | Bad DocNumber |
| 01/01 | 12.31.25 EFT | Due from CK → CC Fees + Clearing | $12,725 | |
| 01/01 | 2025-14R | Lottery Payable → Lakeview | $236 | |
| 01/03 | 2025-10 | AP Clearing → Sales & Deposits | $1,190 | |
| Various | Lotto JEs (4x) | Lottery Payable → Commission | $734 |
JRD Companies — IN N OUT Market
Maplewood MN | Minnoco Brand | QBO Realm: 9341455682723877
Data Pipeline Architecture
POS SystemPRI*SCAN (ScanGroup)
DatabasePostgreSQL (pscommp)
SSH Host192.168.68.77
Sync Script~/qbo-sync/sync_all.py
QBO BankJC - Sunrise Bank (#845)
CC ClearingJC - CC Clearing (#848)
Department → QBO Account Map (32 mappings)
| POS Dept | QBO Account |
|---|---|
| Fuel 1 | JC - Fuel Sales |
| Brand Pack/Carton | JC - Cigarettes |
| Tobacco | JC - Tobacco |
| Lottery | JC - Lottery |
| Scratch Off Tickets | JC - Scratch-Offs |
| Grocery/Taxable | JC - Grocery |
| Bakery | JC - Bakery |
| Pop/Energy/Non-Carb | JC - Beverages (3 accts) |
| Car Wash | JC - Carwash Sales |
| Coffee (3 types) | JC - Coffee |
| Donut Hut | JC - Donut Hut |
| Fountain Pop | JC - Drink Bar |
JRD Auto — Maplewood Auto Service
Maplewood MN | durand-auto.com | QBO Realm: 9341455682738003
Current State
Shop ManagementMitchell1 / ShopKey
Data SourceSQL Server on DURAND (SSH)
Repair Orders88,000+ unimported
QBO Sync StatusNot Built
Bookkeeping MethodManual (Julie / SaasAnt)
SSH Accessmaplewood-ssh.jrdcompanies.com
SaasAnt Transaction Import Workflow
How data flows from source systems into QuickBooks Online
DY Holdings (Holiday #3851) — Circle K Pipeline
PetroNet/Circle K
Weekly CSV emails
→
Weekly CSV emails
Sales_Impt.CSV
AP_Impt.CSV
Dep_Impt.CSV
→
AP_Impt.CSV
Dep_Impt.CSV
SaasAnt Transactions
Bulk CSV → QBO import
→
Bulk CSV → QBO import
QBO DY Holdings
Journal Entries
Journal Entries
Application Services
Daily EFT PDFs
→
Daily EFT PDFs
master-import.js
PDF parser + classifier
→
PDF parser + classifier
reconcile-upload.js
GL mapping + upload
→
GL mapping + upload
5 CRITICAL BUGS
$588K fake expenses
$588K fake expenses
Julie manually imports via SaasAnt → bugs go straight into production QBO
JRD Companies (IN N OUT) — POS Pipeline
PRI*SCAN POS
ScanGroup register
→
ScanGroup register
PostgreSQL
pscommp database
→
pscommp database
qbo-sync/sync_all.py
SSH tunnel + query
→
SSH tunnel + query
QBO JRD Companies
Journal Entries
Journal Entries
Automated pipeline — 7 days posted successfully (Mar 2026)
JRD Auto (Maplewood) — No Pipeline
Mitchell1 ShopKey
Repair orders
→
Repair orders
Manual Entry
Julie + SaasAnt
→
Julie + SaasAnt
QBO JRD Auto
Unknown quality
Unknown quality
No automation — 88K+ ROs sitting unimported — bookkeeping quality unknown
SaasAnt Integration Points
Tool
| Feature | How Julie Uses It | Risk |
|---|---|---|
| CSV Bulk Import | Imports PetroNet weekly CSVs into QBO | No validation — bad data goes straight in |
| Transaction Delete | Bulk delete/re-import when errors found | Can accidentally delete good data |
| Excel Export | Pulls QBO data for review | Read-only, low risk |
| GL Mapping | Maps CSV columns to QBO accounts | mapSalesAccount() has 6+ unmapped categories |
2026 Issues Found
Filtered to real problems — not obvious data entry mistakes
CRITICAL
Double-Counted Card Payments Creating $588K Fake Expenses
PetroNet Sales CSVs include payment method lines (Credit Card +$393K, Debit Card +$181K, etc.) that are NOT revenue or expenses — they show HOW customers paid. SaasAnt imports them into QBO as expenses. Then EFT CC-PT batches ALSO settle the same card money. Card payments are counted TWICE, inflating expenses by $588K.
$588,452
Fake expenses
Fake expenses
$393,165
Credit Card double-count
Credit Card double-count
$181,113
Debit Card double-count
Debit Card double-count
CRITICAL
AP Clearing $422K Imbalance — Two Different Transaction Sets
EFT OD Invoices ($499K, big fuel wholesale) and AP CSV ($77K, small daily vendor charges) are mapped to the same AP Clearing account, but they represent completely different transactions. The EFT fuel invoices are Circle K's wholesale cost deductions — they bypass the AP CSV entirely. Mapping both to AP Clearing creates a permanent $422K imbalance.
$422,000
Clearing imbalance
Clearing imbalance
$499K
EFT OD (fuel wholesale)
EFT OD (fuel wholesale)
$77K
AP CSV (vendor charges)
AP CSV (vendor charges)
CRITICAL
Clearing Accounts Not Clearing — $70K+ Stuck
Multiple clearing accounts have significant balances that should be near $0. This indicates transactions are entering one side of the clearing but not being settled on the other side. This has been accumulating throughout 2026.
-$25,263
EFT Clearing
EFT Clearing
-$20,840
Sales & Deposits
Sales & Deposits
$15,783
Payroll Clearing
Payroll Clearing
-$8,722
Undeposited Cash (NEG!)
Undeposited Cash (NEG!)
WARNING
Wrong-Sign Liability Accounts — Julie Never Caught This
Three liability accounts show DEBIT balances (positive numbers). Liabilities should always be credits (negative). This means either payouts exceed collections, or transactions are booked backwards. A bookkeeper reviewing the trial balance monthly would catch this immediately.
$32,786
Lottery Payable (DR)
Lottery Payable (DR)
$1,989
Sales Tax Payable (DR)
Sales Tax Payable (DR)
$3,138
Gift Cards (DR)
Gift Cards (DR)
WARNING
$749K Accounts Payable — 159 Bills, Only 15 Payments
In January alone, $413K in bills were entered but only $28K was paid. Circle K bills alone total $397K. Either bills are not being paid on time, or payment transactions aren't being recorded. If real, this is a serious cash flow issue. If recording-only, Julie is entering bills without matching payments.
$749,209
Total AP balance
Total AP balance
$413,422
Jan bills entered
Jan bills entered
$27,773
Jan payments recorded
Jan payments recorded
$385,649
Unpaid gap
Unpaid gap
WARNING
Undefined Journal Entry Doc Numbers
JE #undefinedR on Jan 1 reversing $12,280 in accrued payroll has a broken document number. This suggests the JE was created programmatically with a bug, or manually entered without proper documentation. A $12K reversal should have a clear audit trail.
AUDIT
Potentially Personal Charges on Business Amex ($9,520 flagged)
Multiple charges across Jan-Feb 2026 appear to be personal expenses on the business credit card. These should either be reclassified as owner draws/distributions or reimbursed. DoorDash food delivery ($1,612), Lenscrafters ($805), personal Amazon orders, etc.
$1,612
DoorDash
DoorDash
$805
Lenscrafters
Lenscrafters
$908
Anthropic (AI)
Anthropic (AI)
$422
ChatGPT
ChatGPT
$5,395
Indeed (hiring)
Indeed (hiring)
AUDIT
$8,000 Payment to Joshua Clemons (Feb 2026) — Who?
Single $8,000 payment via Tradition Capital bank to "Joshua Clemons" in February. This is a large payment to an individual that doesn't appear in the vendor list elsewhere. Could be a contractor, but needs documentation for tax purposes (1099 threshold is $600).
CRITICAL
Auto-Refresh Cron Broken — Tokens Will Keep Dying
The QBO token refresh script (~/qbo_refresh_tokens.py) was deleted but the cron job still runs every 12 hours, failing silently. Tokens expired after ~30 days without refresh. All 3 companies are disconnected from QBO API.
Payroll Analysis — DY Holdings (Jan-Feb 2026)
January Payroll
$42,235
Gross wages + taxes + processing
Gross Wages$15,904
FICA/Medicare$1,392
Payroll Expenses (6000)$19,080
Payroll Taxes$23,155
Paycor Processing$18,275
February Payroll
$39,119
Paycor bank drafts only (no JE detail)
Paycor Drafts$39,119
Journal EntriesNONE
Breakout DetailMISSING
Feb payroll has no journal entry breakout. $39K was drafted by Paycor but there's no wage/tax split in QBO. Julie needs to post the payroll JE from Paycor reports.
Payroll Red Flags
Payroll Clearing balance
$15,783
Paycor Jan vs Feb jump
+114%
Feb JE missing
Not Posted
Accrued Payroll
-$6,101
Federal Tax Liability
-$10,725
Payroll Issues Detail
PAYROLL
Payroll Clearing Never Clears — $15,783 Stuck
The Payroll Clearing account should net to $0 after each pay cycle (money in from Paycor = money out to wage/tax accounts). A $15,783 balance means either payroll JEs are incomplete, or Paycor drafts aren't matching the posted entries. Julie should be reconciling this after every pay period.
PAYROLL
Paycor Cost Doubled Jan → Feb ($18K → $39K)
Paycor bank drafts jumped from $18,275 in January to $39,119 in February — a 114% increase. Possible causes: (1) double-drafted pay period, (2) quarterly tax payments included, (3) new hires, (4) back-pay corrections. Without the payroll JE breakout, there's no visibility into what this money was for.
PAYROLL
February Has ZERO Payroll Journal Entries
January has a proper payroll JE (#12.31.26 EFT) breaking out gross wages ($15,904) and FICA ($1,392). February has $39K in Paycor drafts but NO corresponding journal entry. The money left the bank but QBO has no record of what it was for. This means Feb P&L payroll numbers are wrong.
Payroll Tax Liabilities
| Account | Balance | Status |
|---|---|---|
| Federal Taxes (941/943/944) | -$10,725 | Unpaid |
| Federal Unemployment (940) | -$477 | Unpaid |
| MN Income Tax | -$796 | Unpaid |
| MN PFML SUI | -$301 | Unpaid |
| MN Unemployment | -$315 | Unpaid |
| Accrued Payroll | -$6,101 | Not reconciled |
Note: Negative balances are correct for liabilities (amounts owed). These should be cleared when tax payments are made. Verify payments are being submitted to agencies on time.
Recommendations & One-Click Fixes
Each button triggers the specific API call or script needed to resolve the issue
Priority 1: Restore QBO Access
Blocked
All analysis and fixes require live QBO API access. Tokens expired because the refresh cron script was deleted.
Priority 2: Fix Import Pipeline Bugs
5 Bugs
The SaasAnt import pipeline (master-import.js + reconcile-upload.js) has 5 critical bugs creating $1M+ in bogus entries.
Priority 3: Clean DY Holdings Data
Data Quality
After pipeline bugs are fixed: wipe sandbox, re-import Jan-Apr with clean code, verify clearing accounts net to ~$0.
Priority 4: Post Missing Payroll JEs
Payroll
February (and likely Mar-Apr) have Paycor drafts but no payroll journal entries. Pull Paycor reports, create JEs.
Priority 5: Audit Personal Charges
Tax
Reclassify identified personal expenses ($9,520) as owner draws. Flag Joshua Clemons $8K for 1099.
Priority 6: Build Auto Shop Pipeline
New
JRD Auto has 88K+ repair orders in Mitchell1 with no QBO sync. Build automated pipeline like IN N OUT.
Julie Performance Assessment
Issues Found
| Area | Expected | Actual | Severity |
|---|---|---|---|
| Payroll JE posting | Post after each pay period | Feb completely missing, Payroll Clearing $15.8K stuck | CRITICAL |
| Bank reconciliation | Monthly, clearing accounts ~$0 | EFT -$25K, Sales -$21K, Cash -$8.7K never cleared | CRITICAL |
| Trial balance review | Monthly, catch wrong signs | Lottery $32.8K, Sales Tax $2K, Gift Cards $3.1K all wrong sign | HIGH |
| AP management | Match payments to bills | 159 bills ($413K), only 15 payments ($28K) recorded | HIGH |
| SaasAnt imports | Validate data before import | $588K fake expenses from unfiltered payment methods | CRITICAL |
| JE documentation | Clear doc numbers, notes | "undefinedR" doc number on $12K reversal | MEDIUM |
| Expense categorization | Separate business/personal | $9.5K personal charges uncategorized on business Amex | MEDIUM |