How We Assess Financial Stability
Our approach isn't just about crunching numbers. It's about understanding the full picture of where your business stands and where it could go with the right financial structure in place.
Since 2019, we've been refining our analysis methods based on real client outcomes. We've seen what works in Thailand's business environment and what doesn't. This methodology reflects those lessons—practical, thorough, and designed for businesses that want clarity, not just reports.
Built on Real Business Data
We don't work with assumptions. Every assessment starts with your actual financial records, cash flow patterns, and operational data from the past 18-24 months. That gives us enough history to spot trends without getting lost in outdated information.
What makes this different? We look at three dimensions simultaneously:
- Operational efficiency—how money moves through your business daily
- Financial resilience—your capacity to handle market shifts or unexpected costs
- Growth readiness—whether your current structure can support expansion
Most firms pick one angle and call it done. We've found that's how businesses miss critical vulnerabilities until it's too late.
Six Stages of Analysis
Each stage builds on the previous one. We don't skip steps, and we don't move forward until the current phase is complete. It's methodical because financial stability requires that level of rigor.
Data Collection
We gather your financial statements, bank records, accounts receivable, payable schedules, and operational metrics. This typically takes 3-5 business days depending on your record-keeping systems.
Pattern Recognition
Our analysts identify cash flow cycles, seasonal variations, and recurring cost structures. We're looking for both strengths to build on and weak points that need attention.
Ratio Analysis
We calculate liquidity ratios, profitability margins, debt coverage, and efficiency metrics. These numbers tell us how your business performs relative to industry standards and your own historical baseline.
Stress Testing
We model scenarios like revenue drops, cost increases, or delayed payments. This shows how your business would respond to common challenges Thailand-based companies face.
Opportunity Mapping
Based on what we've learned, we identify specific areas where adjustments could improve stability. These might be cash reserve policies, payment terms, cost allocation, or pricing structures.
Reporting
You receive a detailed assessment document plus a 90-minute session where we walk through findings, answer questions, and discuss implementation priorities.
Tools and Techniques We Use
Our analysis combines established financial frameworks with proprietary models we've developed for the Thai market. Some of these tools are standard industry practice. Others we built ourselves because existing methods didn't address what we were seeing in client data.
Cash Flow Mapping
We create visual timelines of money movement through your business. This helps identify bottlenecks, timing mismatches between income and expenses, and opportunities to smooth out fluctuations.
Comparative Benchmarking
Your metrics get compared against anonymized data from similar businesses in your sector. This shows where you're ahead, where you're behind, and what "normal" looks like for your industry in 2025.
Scenario Modeling
We run your numbers through various "what if" situations—market downturns, growth spurts, supplier changes, regulatory shifts. This reveals hidden risks and untapped potential.
Trend Analysis
We look at how key metrics have changed over time. Are things improving, declining, or staying flat? The trajectory matters as much as the current numbers.
Who Conducts Your Analysis
Every assessment is handled by senior analysts with at least eight years of experience in financial consulting. They've seen enough businesses to know what matters and what's just noise.
Virat Nattapong
Senior Financial Analyst
Virat specializes in manufacturing and distribution businesses. He's worked with over 140 companies in the Eastern Seaboard region and has a particular talent for identifying inefficiencies in inventory financing.
Somchai Ratanaporn
Lead Stability Consultant
Somchai focuses on service sector businesses and has helped numerous companies transition from reactive financial management to proactive planning. His background includes six years with a Big Four firm before joining us in 2021.
Ready to Understand Your Financial Position?
Our next available assessment slots are opening in September 2025. If you'd like to discuss whether this methodology fits your business needs, we're happy to talk through the details.
Schedule a Consultation