Insight into a company’s financial performance

Financial analysis

For SME entrepreneurs and managers who need clear insight into their business model, supply chain, and/or end clients.

Contact & advice Response within 2 working days

Also check out: Risk and credit check | Financial advice

What is the purpose of a financial analysis?

A financial analysis offers clear insight into a company’s performance. We do this by comparing key figures to benchmarks and by evaluating behavior within the supply chain and the broader market. The goal? To deliver useful insights that support decision-making for both today and the future.

But how do you gain this insight for yourself or your (potential) clients? That’s where we come in. Certo Services performs financial analyses to deliver the right information — for example, when evaluating prospective clients. We look at payment behavior across the supply chain, identify strengths and weaknesses, and assess financial risk.

Our analyses can be one-off, repeated, or periodic. With periodic checks, we assess annually or quarterly, giving you ongoing, up-to-date insight to help you plan ahead.

What does a Certo Services financial analysis include?

We assess the financial performance of your (potential) client using both submitted and independently sourced data. We analyze key metrics such as solvency and liquidity, and identify trends in revenue, margins, and costs.

Have specific focus areas as an SME manager or entrepreneur? We’ll include them in our analysis ensuring results that truly meet your needs.

The following elements are always included:

Solvency (or solvency ratio) reflects the balance between equity and total assets. It shows how the business is financed and whether it can handle financial setbacks. It also provides insight into the level of debt a company carries.

Liquidity reflects whether a business can meet short-term obligations like salaries and invoices. Working capital measures the cash flow: is there enough to meet these obligations without liquidity issues?

Forecasts project a company’s future performance, based on current trends and market conditions. These help in strategic planning and support long-term decision-making.

A trend analysis reviews how financial performance evolves over time. It helps identify patterns and shifts, offering insight into future direction and the factors influencing it. Trend analysis also flags risks early, allowing timely action.

Benchmarking compares a company’s performance to similar businesses in the industry. It shows where the company stands and highlights areas for improvement — helping sharpen your market position and operational efficiency.

What does the outcome of the analysis look like?

financial-analysis-laptop

Our analysis goes beyond listing data. The figures are the basis for a deep dive into your business.

You’ll receive not just numbers, but also clear conclusions and actionable recommendations written in plain language for SME managers and entrepreneurs. This provides a solid understanding of the financial position of an industry, supplier, or potential client.

If desired, we help implement the recommendations so you can move forward with a sound financial plan.