A collection of news and insights from the team at AS Advisory
The ATO is no longer sending gentle reminders. Across Australia, the ATO small business restructuring crackdown is real, it is accelerating, and it is landing on the desks of directors who thought they had more time. If your business carries tax debt, you need to...
Many business owners seek a valuation because they are thinking about a sale, succession, or a partner exit. What often surprises them is that the valuation does more than provide a number. It exposes the financial position of the business more clearly – and that...
If your company owes money to the ATO and you are wondering whether small business debt restructuring could help you keep the doors open, you are not alone. Thousands of Australian directors face the same pressure every year, and the numbers are climbing. The ATO is...
If you are a company director dealing with mounting ATO debt, creditor demands or a cash flow crisis, you have probably started searching for answers. One term that surfaces quickly is 'restructuring practitioner'. But what does a restructuring practitioner actually...
For most business owners, valuation is only thought about when someone asks the question. Whether it’s when a buyer approaches them. Or a lender requests financial information Or a creditor wants clarity about the position of the business. At that point, the business...
Most insolvency risk doesn’t arrive suddenly. Instead, it builds quietly.
Weak governance is rarely obvious at first.
The business keeps trading. Revenue holds. The numbers look “okay”.
But behind the scenes, controls loosen, compliance slips, costs creep and small issues compound.
Your Q4 review told you what happened.
January decides whether it repeats.
Many business owners return from the break with momentum – and a quiet sense that something in the numbers still doesn’t quite add up.
That’s normal.
What matters is whether Q4 insights get translated into action before the year accelerates.
We see the same pattern every year.
Cash tightens. Margins slip. Decisions start feeling urgent – not because the business is failing, but because financial clarity was deferred.
This blog breaks down:
– why January matters more than most realise
– a common post-Q4 cash and margin pattern we see in SMEs
– three practical questions to help you reset financial control early
If your Q4 review raised questions you haven’t yet turned into action, this is worth a read.
👉 Read the full blog below
As 2025 draws to a close, one thing has been consistent across almost every business we’ve supported: pressure has been building, and it has become harder for SMEs to confidently navigate daily operations. Not only did these themes affect one sector or one size of...
Thinking about selling your business? It can be one of the most rewarding milestones for an entrepreneur, yet it’s also one of the most challenging. I’ve seen many business owners pour years of effort into building a successful company, only to feel anxious when it...
Andrew Schwarz, Founder of AS Advisory, is a Liquidator and Forensic Accountant with over 30 years of experience guiding business owners and their advisors through financial crises. His calm, outcome-focused approach is built on integrity, real-world expertise, and a deep passion for helping people turn setbacks into comebacks.
“Our mission is to give business owners their freedom back through clear advice, structured strategies, and unwavering support.” — Andrew Schwarz