Ratio and trend analysis
Twenty-four measures across profitability, liquidity, leverage and efficiency, read together rather than in isolation.
Service 02
Financial review and profitability
Turnover is rising and the bank balance is not. It is the most common reason businesses across Gujarat call us in, and it is almost never solved by selling more.
Who this is for
You will recognise yourself here.
- Businesses where profit on paper never reaches the bank account
- Units with healthy turnover and unhealthy margins
- Companies whose working capital limits are always fully drawn
- Owners who suspect some products or customers are losing money but cannot prove which
- Businesses carrying debt that has outgrown the cash flow servicing it
What is included
The work itself
Scope is agreed in writing before we start, so there is never a question about what you are paying for.
Product and customer profitability
True contribution by line and by account, with overhead properly allocated instead of spread evenly.
Working capital review
Inventory, debtors and creditors examined as one cash cycle, with a target for each.
Cost structure analysis
Fixed against variable, and which costs actually move with volume.
Break-even and sensitivity
The volume and price at which the business stops being safe, and how close you currently are.
Debt and restructuring review
Whether the current structure is serviceable, and what a workable one looks like.
How it runs
Five stages, start to finish
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01
Collect
Three years of statements, GST data, ageing reports and stock statements.
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02
Diagnose
Full ratio analysis and a business health score, with every formula shown.
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03
Locate
Where the money is actually going, down to product, customer and process.
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04
Recommend
A ranked list of changes with the rupee value attached to each.
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05
Track
Monthly or quarterly monitoring against the targets we set.
What you receive
Deliverables
Everything in writing, with assumptions and sources stated so you or your CA can check the working.
- Financial health report
- Profitability by product and customer
- Working capital release plan
- Monitoring dashboard
Straight answers
What people ask before starting
No, and it is not meant to. Your CA records what happened and keeps you compliant. We analyse why it happened and what to change. Most clients keep both, and we work alongside your CA directly.
Three years of balance sheet and profit and loss, cash flow if available, GST summaries, and debtor and creditor ageing. If some of it is missing we will tell you what the gap costs in accuracy.
It depends entirely on where the money is stuck, so anyone quoting a figure before looking is guessing. What we can promise is that you will see exactly where it sits and what it would take to move.
Often taken together
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Is this the one you need?
Tell us the situation and we will say honestly whether this service fits, whether another one does, or whether you do not need us at all.