Deep dives into financial stability analysis, market trends, and practical strategies that help Australian businesses navigate economic uncertainties with confidence.
Kieran Blackwood • March 15, 2025
Most businesses miss the warning signs hiding in their monthly cash flow statements. After analyzing hundreds of Australian SMEs, I've spotted five patterns that consistently appear 3-6 months before serious financial strain hits.
Read Full Analysis
Kieran Blackwood • March 8, 2025
Quick ratios and debt-to-equity calculations worked great in the 1980s. But today's subscription models, digital assets, and supply chain complexities need different metrics. Here's what actually matters now.
Read Full Analysis
Kieran Blackwood • February 28, 2025
That 4.2% rate looks tempting until you read the fine print. Between arrangement fees, early exit penalties, and covenant requirements, some 'low-rate' loans cost more than higher-rate alternatives. Here's the real math.
Read Full AnalysisThe core elements we track when assessing business financial health and long-term viability
Businesses with three or more significant revenue streams show 40% better survival rates during economic downturns. We analyze customer concentration, seasonal patterns, and contract stability to identify vulnerabilities.
The gap between receivables collection and payables payment determines cash flow health. Even profitable businesses fail when this timing gets out of sync. We track 12 specific metrics here.
Not all debt is created equal. Term matching, covenant flexibility, and repayment scheduling can make or break a business during challenging periods. The devil lives in these details.
Margin compression often starts months before it shows up in profit statements. By tracking productivity metrics and cost per unit trends, we spot problems while there's still time to fix them.
We've developed practical tools that help business owners spot financial risks before they become serious problems. These assessments come from analyzing real Australian business data over the past decade.
Get our monthly analysis of Australian business financial trends, early warning indicators, and practical strategies delivered to your inbox. No fluff – just actionable insights.