The Eight-Domain Diagnostic
Cash, liquidity, revenue, profitability, working capital, capital structure, governance and strategy — each measured rather than described.
Financial Health Check
A company rarely fails for one reason, and the reason it fails is rarely the one the owner is watching. The Health Check reads the whole business at once — eight domains, each measured against its own ratios — and returns a ranked list of what is actually wrong, what it is costing, and what to do first. It is a paid engagement, and it is where most of our relationships begin.
What We Offer
What You Receive
Ranked Findings
Every observation carries the figures behind it, an estimate of what it is costing you, and its position in the queue.
A Costed Action Plan
What to change, in what order, at what cost, and what each change is expected to release.
A Board-Ready Summary
A short document a shareholder, a partner or a lender can read without the working papers attached.
Our Approach
How the Check Runs
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Collect
Statements, trial balance, ageing, inventory and the organisation chart — with a signed non-disclosure agreement in place before anything is sent.
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Measure
Every domain computed from your own line items, with the arithmetic left visible so any figure can be traced back.
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Report
Findings ranked, costed and sequenced, delivered in a working session rather than by email.
What We Measure
The Eight Domains
Cash Flow
Operating cash flow, free cash flow and the cash conversion cycle — whether the business generates cash or only profit.
Liquidity
Current and quick ratios and the working capital position — whether obligations can be met without selling something first.
Revenue Engine
Growth measured against the market, revenue concentration, and how much of the top line rests on how few customers.
Profitability
Gross, EBITDA and net margins with return on assets and equity — where money is made and where it is given back.
Working Capital
Receivable, payable and inventory turns, and how much cash is held inside a cycle longer than it needs to be.
Capital Structure
Leverage, gearing, debt to equity and interest coverage — how much room remains before a lender or a statutory threshold intervenes.
Governance & Controls
Authority limits, segregation of duties, and how much of the business depends on one person continuing to be available.
Strategy & Performance
Whether the plan is measured at all — indicators in place, budget variance tracked, and the growth rate the company is actually achieving.
Built for Your Sector
Where the Check Changes
The eight domains hold in every business. What changes is which ratios matter, which balances hide the problem, and what a healthy number looks like.
Manufacturing
Inventory turns, capacity utilisation, and the true cost per unit once overhead is allocated properly rather than spread evenly.
Construction & Contracting
Percentage-of-completion treatment, retention balances, certified work in progress, and the cash gap between certification and collection.
Healthcare
Payer and insurance receivable ageing, occupancy and utilisation, and cost per case measured against actual reimbursement.
Retail
Stock ageing and shrinkage, gross margin return on inventory, and profitability read per branch rather than in aggregate.
Hospitality
Occupancy, revenue per available room or cover, seasonality in the cash cycle, and a fixed cost base carried through a variable season.
Logistics & Transport
Cost per trip and per tonne, fleet utilisation, the maintenance capitalisation policy, and exposure to fuel.
Education
Collection measured against the academic calendar, cost per student, capacity utilisation, and the cash cycle a fee-instalment policy creates.
Real Estate
Revenue recognition on off-plan sales, instalment receivable ageing, cost of carry on unsold units, and exposure to delivery obligations.