Numbers are evidence. Analysis is the argument.
Financial data is the foundation for decision-making, but a balance sheet prepared for statutory purposes rarely answers the questions a business owner is actually asking. Which product line earns its shelf space? Why is a profitable year producing no cash? What would a second branch cost before it starts contributing?
We analyse financial statements, business performance, cash flows, profitability and operational efficiency for startups, MSMEs, manufacturers, traders, service providers and corporate organisations — and present the result as recommendations rather than as another report.
This page is for you if
- The business is profitable on paper but cash is always tight
- You're considering an expansion, a branch or a significant purchase
- A lender has asked for projections and you need them defensible
- You suspect a product line or department is losing money and can't prove it
- You want a monthly number that tells you something you can act on
What we handle, end to end
We examine the balance sheet, profit and loss account and cash flow statement to evaluate profitability, liquidity, solvency and operational efficiency.
The output identifies where the business is strong, where it is exposed, and what practical steps would improve performance — written for the person who has to act on it rather than for a file.
Liquidity, profitability and solvency ratios, debt-equity analysis, working capital ratios, inventory turnover, debtor and creditor analysis, return on investment, return on capital employed, and gross and net margin analysis.
Ratios are only useful in context — against your own trend and against what is normal for your sector. We present both.
Profitable businesses fail on cash. We analyse inflows, the operating cash cycle, receivables, payables and inventory to find where funds are trapped.
The recommendations are specific: which debtors to chase, which terms to renegotiate, how much inventory is financing itself and how much is financing your bank.
Annual budgets, departmental budgets, revenue projections, expenditure estimates and longer-range forecasts built on historical performance and stated business goals.
Forecasts are used to evaluate funding requirements, profitability expectations and expansion plans — and to see how far the plan can be wrong before it becomes a problem.
Improving profit is often about cost and mix rather than volume. We analyse revenue streams, direct and indirect costs, production expenses, overheads and operating margins to find where margin is actually being made and lost.
Recommendations cover cost optimisation, pricing, expense control, break-even analysis and resource utilisation.
Customised management information covering sales performance, monthly profitability, cash position, expense analysis, budget versus actual, department-wise profitability, working capital, debtor and creditor ageing, financial KPIs and trend analysis.
Presented so that the significant number is the one you see first.
Before committing to a project, we assess projected costs, expected returns, investment risk, funding requirement and profitability — for new projects, branch expansion, machinery purchases, acquisitions and diversification.
The answer is sometimes that the project does not work at the assumed price. That is a useful answer.
Understanding what the business is worth matters for investment, mergers, succession planning and fundraising. We perform financial health assessments and performance evaluations using standard techniques, and set out the strengths, operational risks, growth potential and sustainability that sit behind the number.
The shape of the engagement
Scoping
We establish the decision you're trying to make. Analysis without a question attached produces a report nobody reads.
Data assembly
Financial statements, management accounts, ledgers and whatever operational data is relevant. Gaps are identified here, not later.
Analysis
Ratios, cash flow, cost and margin work, benchmarked against your own trend.
Findings and recommendations
Presented in a working session rather than emailed, so the assumptions can be challenged.
Monthly MIS, if useful
Where the value is in the trend rather than the snapshot.
Thirty-six years, one point of contact
20 years of analysis work
Across manufacturing, trading, services and hospitality.
Recommendations, not just reports
We tell you what we would do, and why.
Grounded in your own books
We already understand your tax and compliance position, so the analysis starts from real numbers.
Lender-ready
The same discipline that goes into CMA data and project reports.
Sector context
Ratios interpreted against what is normal for your trade, not against a textbook.
Complete confidentiality
Margin, cost and customer data stay with the people working on the file.
Before you get in touch
Tell us what you’re dealing with
The first consultation is free and carries no obligation. We’ll tell you what applies, what it costs and how long it takes.
- 35 C.R. Avenue, Kolkata 700012
- +91 98300 69332
- Mon–Sat, 9am–7pm
- info@rtctax.in