Why We Do What We Do
I remember sitting across from Sarah, a café owner in Brunswick, as she pushed a stack of financial reports across the table. "I know my coffee's good," she said, "but these numbers might as well be in another language."
That conversation happened seven years ago, but it still drives everything we do. Sarah wasn't alone – we kept meeting business owners who had the passion and skills to run great companies, but felt completely lost when it came to understanding their financial position.
"Financial ratios aren't just numbers. They're the conversation your business is having with you about its health, its opportunities, and its future."
So we started eluniverosa with a simple mission: make financial ratio analysis as clear and useful as a good weather forecast. We wanted business owners to look at their liquidity ratios the same way they check if it's going to rain – with understanding and the ability to plan accordingly.
The funny thing is, once people understand what debt-to-equity actually means for their specific situation, or why their current ratio matters more in January than July, they can't stop asking questions. And that's exactly what we hoped would happen.