In-depth financial analyses by sector — with worked examples that show where SME owners leave margin, cash flow or tax room on the table.
Fixed-price projects deliver less margin than the quote promises. Five causes, and how to measure margin per sprint with earned value.
When DRAM prices rise, the books show a high margin on the old purchase price — while the cash for restocking falls short.
An installation company funds every euro of growth with 23 cents of working capital. When the overdraft facility is maxed out, and what the bank sees then.
Returns eat into margin in a way the revenue figures do not show. Worked example: contribution per order as the return rate rises.
A SaaS company with an LTV/CAC of 3.6 runs out of cash in month 7. How to calculate the payback period and the cash dip — and what to do about it.
Steel up from €640 to €750 per tonne. What that does to a fixed-price order of €400,000, and how to close the open steel position.
ECB rate at 2.50 percent. Worked example: what that costs a wholesaler and why the payment term weighs more heavily than the rate itself.
Making a loss due to diesel and the HGV toll, yet still paying corporate income tax (VPB) every month on last year's profit. What comes back, and when.
The EIA rises from 40 to 45.5 percent in 2027. Worked example: whether waiting pays off or you are better off investing now.
Growing 24 percent, margin down from 15 to 9 percent. How to read the Rule of 40 then, and what it tells you about the quality of growth.
The books show 39% on the purchase price — but after freight, import duties and exchange rate, 25% is left. How to calculate landed cost per SKU.
A 470-hour overrun that was already there at the quote stage. How to see it in week 12 rather than at the final settlement.
Stock that has not moved in twelve months costs a quarter of its purchase value each year in interest, space and obsolescence. This is how to calculate per batch whether clearing it pays off.
6 percent of revenue in extra work is carried out and never invoiced: €300,000, 112 percent of profit. What is acceptable and how to measure it.
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