We built nymberatio because spreadsheets weren't telling the whole story
Back in 2019, three analysts were sitting in a cafe in Newcastle arguing about market indicators. That argument became a company that helps businesses across Australia make better decisions with their money.
Questions we hear at different stages
Before you start
- How much detail do you actually need from our financial records?
- Can you work with businesses in our specific sector?
- What happens if our numbers are messier than we'd like to admit?
- Do we need to pause operations while you're analyzing things?
During engagement
- Why are you asking about suppliers we haven't used in months?
- Can we get interim findings if something urgent comes up?
- What should we do about the seasonal patterns you're seeing?
- How often will we actually talk versus email updates?
After analysis
- How do we implement these recommendations without disrupting everything?
- Can you help us explain this to our board or investors?
- What metrics should we track to know if changes are working?
- Do you revisit findings as market conditions shift?
Ongoing relationship
- When should we schedule the next review session?
- Can you analyze specific scenarios we're considering?
- How do you handle confidential expansion plans?
- What happens if we need urgent advice between scheduled reviews?
Two recent projects that taught us something new
Every engagement changes how we think about market analysis. Here are two from late 2024 that made us rethink our approach to specific industries.
Manufacturing pivot during supply chaos
Cash flow modelingA mid-sized manufacturer in western Sydney was bleeding cash because their supplier payment terms didn't match customer payment cycles. The timing gap was killing them, but the real issue was buried in contracts nobody had compared side by side.
Sometimes the problem isn't revenue or costs—it's just timing. We built them a 90-day rolling forecast that flagged cash crunches three weeks out. Simple fix, massive impact.
Retail expansion that almost wasn't
Location viability analysisBrisbane retailer wanted to open three new locations simultaneously. Their bank loved the idea. We ran demographic and foot traffic analysis and recommended they open one store instead—in a completely different suburb than planned.
Growth feels good but bad expansion kills businesses faster than staying still. That single store outperformed their original three-location revenue target within eight months.
Elspeth Drummond
Lead Market Analyst
We don't pretend markets are predictable
Anyone who promises certainty in financial analysis is either lying or inexperienced. We show you probabilities, scenarios, and what indicators to watch. Markets change—your strategy should be ready to change with them.
Industry jargon gets left at the door
If you need a finance degree to understand our reports, we've failed. Your operations manager and your CFO should both be able to make decisions from the same analysis. Complexity is easy—clarity takes work.
Context matters more than benchmarks
Industry averages are useful until they're not. A metric that signals trouble in one business might be completely normal in yours based on your specific circumstances, customer base, and growth stage.
Bad news doesn't get better with waiting
When we spot something concerning, you hear about it immediately—not buried in a quarterly report. Quick problems caught early usually have simple solutions. Big problems ignored turn into business-ending crises.
Analysis without action is expensive decoration
Reports that sit in drawers are worthless. We focus on findings you can actually implement with your current resources and constraints. Beautiful analysis that's too complex to execute helps nobody.
Where we do our thinking
Our Raymond Terrace office is deliberately not in a CBD tower. Better coffee, easier parking, and we're close to the businesses we work with most.
We're particular about who we work with
nymberatio works best with established businesses that take data seriously but don't have full-time analysts on staff. If you're pre-revenue or looking for someone to validate decisions you've already made, we're probably not the right fit.
We typically start engagements in autumn or early winter to align with planning cycles—so if you're thinking about 2026 strategy work, September 2025 is when to reach out. Rush projects rarely produce useful analysis.
Talk about your situation