Retail & Trading
Thin margins, stock tied up in the wrong places and sales that don't always turn into cash.
- Audit & TaxStock counts, inventory controls and internal audit
- AdvisoryMargin, stock and cash-flow analysis
Industries
Different businesses. Connected solutions.
Every industry has its own economics, controls and pressures. We start with those realities, then bring in the Gardio Consulting capabilities that genuinely fit.
- Audit & Tax Audit, internal audit, tax and accounting
- Advisory Business, finance and Fractional CFO support
Healthcare
Multiple entities and specialities, strict controls and limited visibility of performance by unit.
- Audit & TaxMulti-entity reporting, controls and compliance reviews
- AdvisoryFractional CFO, budgeting and governance
Hospitality & F&B
Food and labour costs that move daily, branch-by-branch differences and expansion decisions made on instinct.
- Audit & TaxBranch controls, cash handling reviews and tax compliance
- AdvisoryMenu costing, unit economics and new-branch feasibility
Professional Services
Revenue depends on people's time: pricing, utilisation and billing discipline decide profitability.
- Audit & TaxBilling controls, accounting and tax compliance
- AdvisoryPricing, utilisation and profitability by client
Contracting & Projects
Long projects, retentions and variations make it hard to know which jobs are really making money.
- Audit & TaxContract revenue reviews, retentions and audit readiness
- AdvisoryProject costing, WIP and cash management
SMEs & Family Businesses
Growth has outpaced informal ways of working, and too much still depends on the owner.
- Audit & TaxAccounting clean-up, audit readiness and tax compliance
- AdvisoryFractional CFO, structure and governance
Technology & Start-ups
Fast growth, investor expectations and a finance function that hasn't caught up.
- Audit & TaxInvestor-ready accounts and tax registration support
- AdvisoryBusiness plans, financial models and funding preparation
E-Commerce
Delivery, returns and platform fees quietly erode margins that look healthy on the surface.
- Audit & TaxPayment reconciliations, accounting and tax compliance
- AdvisoryUnit economics, cash flow and operating model
Transportation & Logistics
Fuel, fleet and manpower costs move constantly, and it is rarely clear which routes, contracts or vehicles actually make money.
- Audit & TaxFleet and fuel controls, accounting and compliance reviews
- AdvisoryCost per trip, contract profitability and cash-flow planning
Automotive
Workshops, parts and sales each behave like a separate business, with stock, labour and warranty costs hidden between them.
- Audit & TaxParts stock controls and warranty claim reviews
- AdvisoryJob costing, parts margin and departmental profitability
Wholesale & Distribution
Volume is high but margins are thin, and credit given to customers quietly becomes the biggest risk in the business.
- Audit & TaxCredit controls, stock audits and accounting support
- AdvisoryReceivables, pricing and working-capital control
Diversified Service Groups
Several businesses under one owner, each reporting differently, so the group picture arrives late, if at all.
- Audit & TaxInternal audit, consolidation support and tax compliance
- AdvisoryGroup reporting, governance and Fractional CFO