Questions About Financial Analysis?

Liquidity analysis looks at whether your business has enough cash or assets that can quickly become cash to cover short-term obligations. It's different from profitability — you can be profitable on paper but still run into trouble if cash isn't available when bills come due. We focus on ratios like current ratio and quick ratio to show your actual ability to meet obligations over the next few months.

Solvency looks at the bigger picture — whether your business can meet all its obligations over the long term. While liquidity focuses on the next few months, solvency analysis examines your total assets versus total liabilities. A company can be liquid but insolvent, or solvent but illiquid. We analyze both because they tell different parts of your financial story.

We typically start with your most recent balance sheet and cash flow statement. If you have monthly statements for the past six months, that's even better. We also find accounts receivable aging reports helpful. Don't worry if your bookkeeping isn't perfect — we've worked with businesses at all stages of financial organization and can guide you through getting the information we need.

For a straightforward liquidity assessment, we usually deliver initial findings within 5 to 7 business days after receiving your documents. More comprehensive solvency analysis that includes forecasting might take 2 to 3 weeks. Rush services are available when you're facing urgent decisions, though we always recommend allowing enough time for thorough analysis rather than making hasty conclusions.

We schedule a detailed review session where we walk through our findings together. You'll receive a written report, but we've found that conversation helps far more than documents alone. We explain what the numbers mean in practical terms and discuss potential actions. Many clients choose to set up quarterly check-ins to monitor changes over time, though that's completely optional based on your needs.

Yes, we work with companies throughout the Philippines. While our office is in Makati, most of our analysis work happens remotely anyway. We use secure document sharing and video calls for consultations. Some clients prefer an initial in-person meeting, which we can often accommodate if you're visiting Metro Manila, but it's not required for quality analysis.

We specialize in helping businesses understand their liquidity challenges, which is often the first step toward addressing them. We can identify where cash is getting tied up and suggest areas to focus on. However, we're analysts, not miracle workers. If you need immediate crisis intervention or restructuring advice, we can refer you to specialists while still providing the analysis they'll need to make informed recommendations.

This depends on your business model and industry. Retail businesses with high inventory turnover might benefit from monthly reviews, especially during peak seasons. Service businesses with more predictable cash flow often find quarterly analysis sufficient. We generally recommend at least quarterly reviews for growing businesses and semi-annual checks for stable, established companies. The key is catching trends before they become problems.