Business & Tax7 min de leitura
Business Solvency Assessment: Can Your Business Survive a Downturn? (2026)
Test your business solvency with key ratios — can you survive 6 months of 30% revenue decline without running out of cash?
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Test your business solvency with key ratios — can you survive 6 months of 30% revenue decline without running out of cash?
Ler o guiaThe current ratio is the first metric lenders and investors check. Learn what it measures, how to interpret it, and what destroys it.
Ler o guiaWorking capital is the dollar cushion between assets and liabilities. Learn to calculate it, interpret it, and manage it.
Ler o guiaProactive liquidity risk management — early warning systems, cash reserves, and contingency plans that prevent cash crises.
Ler o guiaHow to build and maintain cash reserves — the business equivalent of an emergency fund that prevents cash crises.
Ler o guiaThe quick ratio is the strictest liquidity test — can you pay every bill with cash and receivables alone, without selling a single item?
Ler o guiaGross margin shows what remains after direct costs — the metric that separates pricing power from commodity businesses.
Ler o guiaPricing is the highest-leverage improvement in any business — a 1% price increase can add more profit than a 1% cost reduction.
Ler o guiaReduce cost of goods sold through supplier negotiation, process improvement, and waste reduction — without sacrificing product quality.
Ler o guiaAnalyze gross margin by product to identify which products make money and which are dragging down profitability.
Ler o guiaThe three types of business margins — gross, operating, and net — and what each one tells you about your business health.
Ler o guiaThe true cost of a new hire includes recruitment, training, lost productivity, and management time — most businesses underestimate by 50%.
Ler o guiaEvery week of faster ramp-up saves thousands in lost productivity — calculate the ROI of investing in onboarding.
Ler o guiaVoluntary and involuntary turnover have very different costs and causes — understanding the split changes your retention strategy.
Ler o guiaTurnover costs vary dramatically by role — a senior engineer costs 4x more to replace than a junior employee. Budget accordingly.
Ler o guiaRetention investment delivers 3–5x ROI compared to replacement costs — the business case for investing in keeping your best people.
Ler o guiaBreak-even analysis turns fixed costs and contribution margin into the one revenue figure a business must clear before it earns anything at all.
Ler o guiaThe break-even formula is one division. The work is deciding which costs are fixed, which scale with each sale, and which are a mix of both.
Ler o guiaHow long a startup takes to break even is set by three numbers: fixed cost base, contribution margin, and monthly revenue growth rate.
Ler o guiaCost-plus pricing sets price as unit cost times a markup. It is fast, defensible, and structurally blind to what a customer would have paid.
Ler o guiaMarkup is measured against cost, margin against price. The same dollar of profit produces two different percentages, and mixing them up loses real money.
Ler o guiaMarkup is gross profit divided by cost. Getting it right means building the correct cost base first, then converting a target margin into the markup that delivers it.
Ler o guiaPricing for profit reverses the usual order: start from the gross profit the business must produce, divide by capacity, and let that dictate the price.
Ler o guiaA desk reference for converting between markup and margin in both directions, plus the spreadsheet formulas that keep a price list honest.
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