Thea Wentworth
Senior Analyst
Thea specializes in retail and hospitality sectors. She's particularly good at identifying seasonal liquidity patterns and helping businesses plan for predictable cash flow variations throughout the year.
Understanding Your Financial Position
Financial health isn't just about profit numbers. It's about knowing whether you can meet obligations tomorrow, next month, and two years from now.
We break down liquidity and solvency into practical insights that actually help you make decisions. No jargon, no confusion—just clarity on where your business stands.
How We Approach Your Analysis
Our process focuses on what matters most to Australian businesses. We look at real cash flow patterns, actual payment cycles, and the practical realities of running operations in 2025.
1
Initial Review
We start by examining your current statements and understanding your business model. Manufacturing has different needs than retail, and we adjust our approach accordingly.
2
Ratio Calculation
Current ratios, quick ratios, debt-to-equity—we calculate these but more importantly, we explain what they mean for your specific situation. A ratio that's fine for one industry might be concerning in another.
3
Pattern Recognition
Numbers tell stories when you track them over time. We identify trends that indicate strengthening or weakening financial positions before they become obvious problems.
4
Practical Reporting
You get a report that connects financial data to real decisions. Can you take on that new contract? Should you adjust payment terms? We answer these questions clearly.
Real Expertise, Not Templates
Marlon Butteridge leads our analysis team with seventeen years working across Port Macquarie's diverse business landscape. He's seen seasonal businesses weather cash crunches and growing companies strain their liquidity during expansion.
What sets our approach apart is context. We don't just calculate ratios—we understand what healthy liquidity looks like for a business at your stage, in your market, during this particular economic climate Australia's experiencing in 2025.
And honestly? Sometimes the numbers look fine on paper but there's still risk. Other times, ratios seem concerning but the business model is sound. Experience helps us spot those nuances.
What We Actually Measure
- Short-term liquidity through current and quick ratios that show your ability to cover immediate obligations
- Working capital adequacy by examining the gap between current assets and liabilities in practical terms
- Long-term solvency using debt ratios and equity positions to assess sustainability beyond the next quarter
- Cash conversion cycles that reveal how quickly your business turns operations into available funds
- Covenant compliance if you have existing loan agreements with specific ratio requirements
- Industry benchmarking against comparable businesses so you know where you actually stand
Who Reviews Your Numbers
These are the people who'll actually work on your analysis. No outsourcing, no junior staff learning on your data.