Master Financial Health Analysis Through Real Scenarios
Understanding liquidity and solvency isn't about memorizing formulas. It's about recognizing patterns that signal genuine financial trouble before balance sheets turn red. Our hands-on program walks you through actual company situations where quick ratio shifts revealed cash flow problems months ahead.
Explore June 2026 Program
Why Traditional Ratio Analysis Misses Critical Signals
Static Numbers Hide Dynamic Problems
A current ratio of 2.0 looks healthy on paper. But when you examine the trend over six quarters and notice inventory accumulation driving that number, you're seeing a different story. We teach you to spot these patterns using real company financials from Australian mid-market firms.
Industry Context Changes Everything
Retail liquidity benchmarks don't apply to construction firms. Software companies operate on different solvency assumptions than manufacturing. Your training includes sector-specific analysis frameworks developed from actual industry cases where standard ratios failed to predict distress.
Cash Conversion Tells the Real Story
Two companies with identical working capital ratios can have completely different financial health. One converts receivables in 30 days while the other stretches to 90. We focus on cash flow timing and operational cycles rather than snapshot metrics.
Covenant Analysis Beyond Compliance
Understanding debt covenants means predicting breaches before they happen. You'll work through scenarios where operational changes triggered technical defaults, learning to build early warning systems that flag potential violations quarters ahead.
Three Areas That Shape Financial Resilience
Every financially healthy organization balances these elements differently based on their business model and growth stage.
Working Capital Dynamics
How inventory turns, receivables age, and payables stretch combine to create your actual liquidity position. Small shifts in any component cascade through operations.
Debt Structure Design
The mix between short-term facilities and long-term obligations determines financial flexibility. Maturity ladders and refinancing windows become critical during market volatility.
Operating Cash Patterns
Profitability doesn't guarantee positive cash flow. Seasonal businesses, project-based revenue, and growth investments all create timing mismatches that stress liquidity regardless of margins.
Learn Through Actual Company Reconstructions
We don't use sanitized textbook examples. You'll work with modified versions of real Australian company financials where participants analyze deteriorating positions and build turnaround recommendations.
Each module focuses on a different industry scenario. You'll encounter retail chains with inventory problems, service businesses with receivables issues, and manufacturing firms navigating supply chain disruptions that stressed working capital.
- Detailed quarterly reconstructions showing how positions evolved
- Management commentary and operational context for each period
- Industry benchmark data for comparative analysis
- Discussion sessions examining what worked and what missed the signals
Fraser Drummond
Program Director
Spent fifteen years analyzing mid-market companies for Australian regional banks before developing this training approach. The case studies come from actual lending reviews where early intervention prevented larger problems. Teaching finance professionals to read between the lines of financial statements has become my focus since 2019.
lumireqora Financial Education
66 Canning Hwy, Perth WA 6100, Australia
+61268819112 | contact@lumireqora.com