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Imagine you lend ₹50 lakhs to a friend's business. You'd want to know: will this business still exist next year to pay me back? That's exactly what going concern is about — the assumption that a company will continue operating for the foreseeable future (at least 12 months from the balance sheet date). SA 570 tells the auditor what to do when that assumption looks shaky.

Under SA 570, management must assess the going concern status of the entity. The auditor's job is to evaluate that assessment — not just accept it — and gather sufficient appropriate evidence. SA 570 groups warning signals into three buckets: Financial indicators (net liabilities, negative cash flows, inability to repay loans, large recurring losses), Operating indicators (loss of key management, major customer, or supplier; labour unrest; key supply shortages), and Other indicators (legal proceedings, adverse regulatory changes, uninsured catastrophes). When these red flags appear, the auditor performs extended procedures — reviewing management's cash flow forecasts, checking bank covenants, confirming post-balance-sheet events.

The reporting outcomes are the exam goldmine — learn this table cold. (1) No doubt exists → Unmodified opinion, no extra paragraph. (2) Material uncertainty exists + management has disclosed it adequately → Unmodified opinion + Emphasis of Matter (EOM) paragraph. (3) Material uncertainty exists + management has NOT disclosed it → Qualified or Adverse opinion (it's a material misstatement by omission). (4) Management is using going concern assumption but it is clearly inappropriate (e.g., company already decided to liquidate) → Adverse opinion. (5) Management refuses to extend their assessment beyond 12 months → Qualified opinion or Disclaimer of opinion. This is asked frequently as a 5–7 mark case-based question — you'll be given a scenario and asked to identify the correct report type.

📊 Worked example

Example 1: EOM or Modified?

ABC Pvt. Ltd. has posted losses for 3 consecutive years. The balance sheet as at 31 March 2025 shows net liabilities of ₹45 lakhs and an outstanding term loan of ₹1,20,00,000 (₹1.2 crores) due for repayment in November 2025 — within 12 months. Management has included a detailed note in the financial statements disclosing these facts and mentioning ongoing refinancing negotiations with their bank. CA Meera is the auditor. What opinion should she issue?

Working:

  • Step 1 — Going concern doubt? Yes. Net liabilities (₹45 lakhs), imminent loan repayment (₹1.2 crores), recurring losses — all financial indicators under SA 570.
  • Step 2 — Is assumption still appropriate? Possibly yes, if refinancing succeeds — but outcome is uncertain.
  • Step 3 — Material Uncertainty? Yes.
  • Step 4 — Adequate disclosure by management? Yes — detailed note is present.
  • Step 5 — SA 570 rule: Material uncertainty + adequate disclosure → Unmodified opinion + EOM paragraph.

Final Answer: Unmodified opinion with an Emphasis of Matter paragraph referencing the going concern note.

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Example 2: No Disclosure — What Changes?

Same facts as above, but XYZ Ltd.'s management has made no disclosure in the financial statements. CA Rajan is the auditor.

Working:

  • Step 1 — Material uncertainty exists? Yes (same indicators).
  • Step 2 — Disclosure by management? No.
  • Step 3 — This constitutes a material misstatement (omission of required disclosure).
  • Step 4 — Is the impact pervasive? If material but not pervasive → Qualified opinion (Except for). If pervasive → Adverse opinion.

Final Answer: Qualified opinion (or Adverse opinion if pervasive) — modified opinion due to non-disclosure of material uncertainty.

⚠️ Common exam mistakes

  • Students think an EOM paragraph means the opinion is modified — it doesn't. An Emphasis of Matter paragraph accompanies an Unmodified opinion; it just draws the reader's attention. A modified opinion (Qualified/Adverse/Disclaimer) is a separate, stronger action.
  • Students assume going concern doubt = the company is closing down — not true. The doubt just means there's uncertainty; management may still legitimately use the going concern basis if plans like refinancing or asset sales are credible.
  • Students forget the 12-month reference period — SA 570 specifically defines the foreseeable future as at least 12 months from the balance sheet date, not from the audit report date. Don't confuse the two.
  • Students mix up who is responsible — Management assesses going concern; the auditor evaluates that assessment. Never write in an exam answer that 'the auditor assesses going concern' — that's management's duty.
  • Students issue a Qualified opinion when the assumption itself is inappropriate — if management is using going concern but clearly shouldn't be (e.g., liquidation already ordered), the correct opinion is Adverse, not Qualified. Qualified implies 'except for one issue'; Adverse says the financials are fundamentally misleading.
📖 Reference: SA 570 — Institute of Chartered Accountants of India
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