Company financial analysis
Understand where your business earns money, why cash is tight and which obligations it can support. We connect profit, cash flow and debt into a coherent picture for management decisions.
We analyse companies worldwide. We start with your question: preparing for financing, assessing resilience, understanding a cash flow gap or choosing the next step in business growth. We agree the scope around the country, reporting framework and information available.
A standalone service. You are under no obligation to apply for a loan afterwards.
When financial analysis is useful
The starting point may be a particular transaction or a sense that growth is making cash harder to manage. The key is to identify the question the analysis should answer.
Preparing for financing
You need to justify the amount, explain the repayment source and assess how a new payment fits alongside existing debt.
Profit without available cash
Revenue and earnings look convincing, but funds remain tied up in inventory, receivables or unfinished orders.
A change in business scale
A new contract, seasonal growth or expansion requires an understanding of working capital needs before taking on commitments.
An awkward debt structure
Several repayment schedules, leasing and other borrowing create payment peaks. You need an overall view of the burden and available actions.
Reports that do not reconcile
Management accounts, statutory financial statements and bank account activity show different results that are difficult to explain.
Choosing a priority
The owner is weighing growth, debt reduction and liquidity, and wants to base the decision on the company’s financial capacity.
What the analysis covers
Six connected areas help explain the reasons behind the figures. The depth of each area is agreed around your objectives and the information available.
Profit and one-off items
We examine revenue, margins and expenses. We distinguish recurring performance from one-off receipts, irregular costs and events that cannot automatically be carried forward into a forecast.
Cash flow
We compare actual receipts and payments, explain the difference between profit and cash, and account for seasonality, settlement dates and mandatory expenses.
Liquidity and working capital
We review inventory, receivables and payables to identify where funds are tied up and which payments could create pressure.
Debt commitments and schedules
We bring together bank loans, other borrowing, leasing and related obligations. We compare payment dates with cash flow and assess debt service headroom.
Scenarios
We test how delayed receipts, higher expenses or lower sales would affect the position, showing how sensitive the decision is to key assumptions.
Data comparability
We reconcile periods, sources and the components of each measure, remove double counting of own-account transfers and identify differences that need explanation.
A result you can act on
You receive a written analytical report and a clear basis for your decision. Ratios matter, together with an explanation of their causes and implications.
A conclusion addressing your question
What the company’s financial position shows and which constraints matter for the objective you have chosen.
Calculations grounded in data
Sources, periods, assumptions and calculation logic make clear what is supported by evidence and what depends on a forecast.
A risk assessment
Weaknesses in cash flows, asset composition and obligations, together with the consequences of adverse changes.
A prioritised action plan
Practical steps: information to clarify, payments to review and matters to check before the next transaction.
Why NG Finance
Financing experience
We connect the analysis with questions that arise when preparing a business to raise funds and discuss terms.
The owner’s objective
We examine what affects your decision, rather than applying the same set of measures to every situation.
Clear language
We explain financial relationships through the company’s operations, receipts and payments, giving technical terms a practical meaning.
A discussion of the findings
One final discussion covers the conclusions, assumptions and questions that matter for the actions ahead.
Realistic actions
Recommendations reflect the business’s cash capacity and commitments. We distinguish available steps from decisions that require additional conditions.
A standalone service
The analysis has value for managing the business in its own right. It does not require a loan application or another financial product.
Oleg Novikov
A qualified financial analysis specialist. Oleg considers the figures in their business context: how the company earns money, manages working capital and meets its obligations.
At the outset, we discuss your question and the decision you need to make. At the conclusion, we connect the findings with practical actions and explain which information or assumptions could change the assessment.
More about Oleg and NG Finance →Professional development
Oleg holds financial analysis certificates issued by BCG, H2 Ventures, AIG, PGIM and KPMG UK.
How the work proceeds
- 01
Discuss the question
We establish the decision ahead, the period to examine and the questions that need answers.
- 02
Agree the scope
We clarify the information, deliverables, timing and fee. These are agreed before the analysis begins.
- 03
Analyse the information
We reconcile the data, prepare calculations and scenarios, and request explanations for material differences.
- 04
Discuss the findings
We deliver the written report and discuss priorities, constraints and the possible sequence of actions.
What information is needed?
The information required depends on the task. For an initial conversation, describe the business, your question and the materials available. We then agree the necessary level of detail.
- Statutory financial statements and tax returns for the periods concerned.
- Management income statements, cash flow reports and balance sheets.
- Bank statements and information on actual receipts and payments.
- Current loan and leasing schedules, other borrowing and related obligations.
- Inventory, receivables and payables breakdowns.
Scope, timing and fee are agreed individually
They depend on the owner’s question, the number of companies, the period analysed, source data quality and the depth of scenario work. We first define the result and necessary materials, then agree the terms of the work.
If information is missing, we discuss what can be reconstructed and how that affects the conclusions. Unknown values are not replaced with convenient assumptions.
The analysis uses the information provided and does not replace an audit or a business valuation. The lender decides whether to provide financing and on what terms.
Questions about the service
Is analysis useful if the company is profitable?
Profit does not show every future payment or the timing of receipts. Analysis helps explain how earnings become cash and whether there is enough for growth and obligations.
Can I commission the analysis without applying for a loan?
Yes. This is a standalone service for business owners and managers. Its purpose may be liquidity management, assessing resilience or choosing growth priorities.
Can we start with a single specific problem?
Yes, such as a cash flow gap or an inconvenient debt schedule. We first define the question, then agree which information and areas of analysis are needed to answer it.
How will I understand the calculations and recommendations?
The report identifies sources and assumptions and explains the reasoning behind its conclusions. The final discussion addresses your questions and turns recommendations into a sequence of actions.
When will the timing and fee be confirmed?
After the initial discussion of the task and available information. Scope, deliverables, timing and fee are agreed before work begins so that expectations are aligned.
Start with the question you need to resolve
Tell us how the company operates and which decision lies ahead. We will discuss the financial analysis that could clarify the situation and the information needed to begin.