This paper examines an integrated approach to assessing business effectiveness as a critical element of financial security. The proposed model combines multilevel monitoring, financial diagnostics, ML-based early warning systems and scenario modelling to ensure proactive and risk-oriented management. The implementation algorithm covers KPI audit, data monitoring, analytical core development and managerial integration. The approach strengthens enterprise adaptability, reduces reaction gaps between operations and financial outcomes and improves the resilience of business models under uncertainty. It also emphasizes the need for high-quality data and digital maturity to fully realize advanced analytical capabilities, supporting a long-term framework for financial stability and strategic decision-making.