We Help Australian Businesses Make Better Financial Decisions
Started in 2019 when two accountants got tired of watching good businesses struggle with ratio analysis. We've spent years turning complex financial metrics into straightforward insights that actually help people run their companies.
Problems We See Every Week
Ratios That Don't Make Sense
Business owners stare at current ratios and debt-to-equity numbers without knowing if they're good or terrible. Context matters, but most resources skip that part entirely.
Industry Benchmarks Are Hiding
You calculate a profit margin of 8%, but is that acceptable for your sector? Finding relevant comparison data takes hours of research that most people don't have time for.
Trend Analysis Gets Ignored
A single ratio from one quarter tells you almost nothing. But tracking changes over two years? That's where the real story lives, and it's exactly what gets overlooked when you're busy running operations.
Bank Requirements Feel Random
Lenders want specific coverage ratios before approving loans, but nobody explains which metrics they care about most or how to improve them systematically.
How We Address These Challenges
Plain Explanations With Context
We break down what each ratio actually measures and provide Australian industry benchmarks so you know where you stand. No jargon, just clear comparisons.
Quarterly Tracking Tools
Our platform automatically charts your ratios over time so you can spot patterns before they become problems. See if your liquidity is improving or if debt levels are creeping upward.
Specific Improvement Steps
When a metric looks weak, we outline practical actions you can take. Not vague advice like "improve efficiency" but concrete steps like "reduce inventory holding period by 15 days."
Lender Preparation Support
Before you approach banks or investors, we help you understand which ratios they'll scrutinize and how to present your financial position in the strongest possible light.
Scenario Testing
Wonder how taking on new debt would affect your coverage ratios? Or what happens to margins if costs rise 10%? Run different scenarios to make informed choices.
Who's Behind quorivaxelo
Two financial analysts who got tired of seeing businesses make decisions based on incomplete information. We started quorivaxelo because ratio analysis shouldn't require a finance degree to understand.
Sienna Whitlock
Co-Founder & Analysis Lead
Spent twelve years helping manufacturing companies in regional New South Wales understand their financial health. Got frustrated watching solid businesses struggle because they couldn't interpret their own numbers. Built the first version of quorivaxelo's comparison tools in 2018 using spreadsheets and publicly available industry data.
Astrid Pemberton
Co-Founder & Platform Development
Worked in commercial lending for eight years before realizing applicants needed better tools before they even walked into the bank. Builds the systems that track ratios over time and flag when metrics shift outside normal ranges. Still remembers every loan application that got rejected for fixable ratio problems.
What Guides Our Work
Honest Benchmarks
We don't cherry-pick data or use outdated industry standards. Our comparison figures come from current Australian business statistics and we update them quarterly. If your sector's typical margins dropped last year, our benchmarks reflect that reality.
Practical Guidance
Every insight needs to connect to something you can actually do. We skip theoretical discussions about optimal capital structure and focus on steps that make sense for businesses operating in real market conditions with real constraints.
Context Always
A debt ratio that's concerning for a retailer might be perfectly normal for a construction firm. We provide industry-specific context so you're not comparing your hospitality business to tech startup metrics that don't apply.
Our Approach to Financial Analysis
Three core principles shape how we help Australian businesses understand and improve their financial ratios.
Meaningful Comparisons
Your ratios mean nothing in isolation. We show you how similar businesses in your region and sector perform so you can identify genuine strengths and real weaknesses worth addressing.
Time-Based Patterns
Single snapshots hide important stories. We track your metrics across multiple quarters so you can see if that concerning leverage ratio is actually improving or if working capital issues are getting worse.
Forward Planning
Test different scenarios before committing resources. See how expansion plans affect your liquidity ratios or what happens to interest coverage if rates rise another percentage point.
Ready to Understand Your Numbers Better?
We work with businesses across New South Wales who want straightforward financial analysis without the complexity. Based in Orange, we're available for consultations starting September 2025.