How we think about numbers and decisions.
Memos, playbooks, and cases from day-to-day finance practice. Not "content marketing", but field notes from mandates, written for owners who have to make the decision.
Numbers don't lie. What lies is how we look at them
The bottom line of a P&L rarely lies. But two reports with the same bottom line can describe two entirely different businesses. The difference is in…
ReadMore isn't always proportionally more
More salespeople: more sales. More raw materials: more finished product. Sounds like simple arithmetic. But business rarely multiplies that cleanly.
ReadA report shows what already happened. A dashboard shows what's about to
Monthly report is a historical snapshot. You can't manage the past. A dashboard of a few right metrics tells you in advance what to expect from the…
ReadOwners don't need another report. They need an answer.
An owner calls the CFO on a Tuesday at 9:14 a.m.: «How much did we make in April and where is the cash?» That's not a request for a report. That's a…
ReadWhy SaaS unit economics in Eastern Europe price out differently, and where founders quietly leak millions
Four out of five SaaS startups arrive with a model showing LTV/CAC of 3-5×. Real number after recalculation: 1.2-1.8×. The gap: millions of dollars…
ReadThe 13-week cash flow as the only report that matters in turbulence
Turbulence is not a slow P&L decline. It's a sudden cash flow gap. The 13-week cash flow is the one tool that shows the gap weeks before it becomes…
ReadHow a $4M e-commerce business found $400K of hidden profit by re-pricing CAC across channels
$4M revenue, 12% net margin, ostensibly healthy unit economics. Six weeks of work. $400K of hidden profit found. Not in cuts, but in CAC…
ReadT+5: how to close the month on the 5th business day, without overtime
According to APQC data (over 11,000 companies), the median company prepares consolidated monthly statements in 6 calendar days. Our clients usually…
ReadManufacturing group with 4 entities: how consolidation killed cash gaps that lasted 3 years
Manufacturing business at $32M revenue. 4 entities. Cash gaps twice a quarter. «One entity has lots of cash, another has none, I don't get where the…
ReadLet us start with a conversation, not a proposal.
A 30-minute meeting with Anastasiia Saienko, founder of 42.finance. You will get a working hypothesis or a recommendation of who else to talk to.