The Chart of Accounts Designer

Design a chart of accounts for this business.

Business: [DESCRIBE INDUSTRY, SIZE, STRUCTURE]
Accounting software: [QUICKBOOKS / XERO / NETSUITE / OTHER / NONE YET]
What I need to track for decisions: [E.G. REVENUE BY PRODUCT LINE,
COST BY DEPARTMENT]

Provide:
1. A structured chart of accounts (assets, liabilities, equity, revenue,
   expenses) with a sensible numbering scheme
2. Sub-accounts where they'll earn their keep for reporting
3. The accounts that will let me produce the management reports I named
4. What to avoid — over-engineering that creates bookkeeping burden with
   no payoff
5. How to structure it so it scales as the business grows

Explain the trade-off between detail and simplicity for my size.