We started naxarifylos in 2019 because too many Australian businesses were making financial decisions based on outdated spreadsheets and gut feelings. That approach works until it doesn't.
Back in 2018, I watched three solid businesses in Western Sydney fail within six months. Not because their products were bad or their teams weren't committed. They just couldn't see the financial risks coming until it was too late.
One was a manufacturing supplier who took on a contract that looked profitable on paper. Turned out the payment terms created a cash flow gap they couldn't bridge. Another expanded into Queensland without properly modelling the hidden costs. The third simply trusted their accountant's annual review instead of monitoring monthly trends.
These weren't reckless people. They were smart operators who lacked practical tools for budget risk visibility. So we built what they needed.
Not the corporate mission statement stuff. These are the principles we use when making decisions about how naxarifylos operates.
Financial projections should reflect what's likely, not what you hope might happen. We help businesses look at their numbers honestly, even when the truth is uncomfortable. Better to adjust your strategy in March than scramble in October.
A construction business in Brisbane has different risk factors than a retail operation in Melbourne. We don't believe in one-size-fits-all frameworks. Your industry, location, and growth stage all shape what risks you should actually worry about versus what's just noise.
We're a small team based in Parramatta. Most of us came from finance roles where we got tired of watching preventable problems happen because businesses couldn't access practical risk management.
Financial Risk Specialist
Spent twelve years in corporate treasury before joining naxarifylos in 2021. Builds the frameworks we use for cash flow analysis and scenario planning. Prefers working with mid-sized businesses where changes actually make a visible difference.
Client Strategy Lead
Joined us from a consulting background in 2020. Works directly with clients to translate financial data into decisions. Has a talent for explaining complex risk factors in ways that make sense to people who aren't finance specialists.
Budget risk management sounds abstract until you break it down into specific activities. Here's what we focus on when working with Australian businesses.
Most businesses track expenses but don't analyze patterns. We look at three to five years of data to identify seasonal trends, cost creep, and revenue volatility. This baseline helps separate normal fluctuation from genuine warning signs. Takes about six weeks to establish properly.
What happens if your main supplier raises prices by fifteen percent? What if a key client delays payment by sixty days? We model realistic scenarios based on what's actually happened to similar businesses. Not worst-case-scenario panic planning, just practical preparation for common situations.
We help set up monitoring for the specific indicators that matter in your business. For some clients that's accounts receivable aging. For others it's gross margin trends or working capital ratios. The goal is catching problems when you still have time to respond, not when you're already in crisis mode.
We're currently scheduling initial consultations for businesses in New South Wales and Victoria through September 2025. The first session is a straightforward review of your current financial visibility and what improvements would help most.
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