Understanding Financial Health Through Numbers
We teach practical skills for analyzing business liquidity and solvency. Not theory-heavy lectures. Real analytical methods you'll actually use when evaluating financial statements and making informed decisions about business stability.
Explore Our Programs
How We Actually Teach This Stuff
Most courses drown you in academic formulas. We start with real balance sheets and work backward to understand what the numbers actually mean for business survival.
Current Ratio Deep Dives
You'll spend time with actual company financials, calculating current ratios and understanding when a 2:1 ratio means safety and when it signals trouble. Context matters more than memorizing the formula.
Cash Flow Reality Checks
We examine businesses that looked solvent on paper but couldn't pay bills. You learn to spot the warning signs in operating cash flow statements that traditional metrics miss completely.
Debt Structure Analysis
Not all debt is bad debt. Our approach helps you evaluate debt-to-equity ratios, interest coverage, and payment schedules to assess whether leverage is strengthening or threatening a business.
What You'll Actually Learn
Reading Between the Lines
Financial statements tell stories if you know where to look. We teach you to identify patterns in working capital changes, spot seasonal liquidity crunches, and recognize when management is masking problems through accounting choices.
One of our participants noticed a retail company consistently showing strong current ratios but deteriorating quick ratios. That observation revealed growing inventory problems six months before the market caught on.
Industry Context Matters
A tech startup with negative working capital might be perfectly healthy. A manufacturing company with the same metrics could be weeks from insolvency. We cover how liquidity norms vary across sectors and why comparing companies requires industry knowledge.
Timing and Trends
Single-period analysis tells you almost nothing. Our curriculum emphasizes multi-year trend analysis and understanding how economic cycles affect different solvency indicators. You learn to distinguish temporary pressures from structural weaknesses.
The Learning Journey
Our next cohort begins in September 2025. Here's how the program unfolds over six months of focused study and practical application.
Financial Statement Foundations
Months 1-2: You'll work with real balance sheets and income statements, learning to extract and calculate basic liquidity ratios. We cover what each line item means and why certain accounts matter more than others for liquidity assessment.
Advanced Solvency Analysis
Months 3-4: Time to get into debt analysis, coverage ratios, and long-term financial stability indicators. You'll examine companies with different capital structures and learn to evaluate whether their debt levels are sustainable given their cash generation.
Practical Application Project
Months 5-6: You'll conduct comprehensive liquidity and solvency analysis on companies you select. This involves pulling financial data, performing calculations, identifying trends, and presenting your assessment with supporting evidence.
Helena Vargas
Lead Financial Analysis Instructor
I spent twelve years analyzing credit risk for regional banks before moving into education. Teaching this material means showing students the same analytical frameworks I used when deciding whether to approve business loans.
The best analysts aren't the ones who memorize formulas. They're the ones who understand business operations well enough to know when the numbers don't match reality. That's what we focus on here.
Meet Our TeamQuick Reference Points
Things people often ask before starting. We keep it straightforward because financial analysis shouldn't be mysterious.
Time Investment
Plan for 8-10 hours per week over six months. Some weeks require more when you're working through case studies. Less during review periods. The workload reflects what's needed to actually develop competence.
Prerequisites
You need basic accounting knowledge and comfort with spreadsheets. If you understand what assets and liabilities are and can create Excel formulas, you're ready. We build from there.
What's Included
Access to financial databases for analysis practice, recorded sessions you can review, and direct feedback on your work. The practical component involves analyzing real companies with instructor guidance.
Starting Your Analysis Journey
September 2025 Cohort
Applications open in June 2025. We limit group size to maintain quality interaction and ensure everyone gets feedback on their analytical work. Early registration helps us plan appropriate resources.
Get Technical Details
Our technical requirements page covers the software and data access you'll need. Nothing expensive, but you should verify compatibility before committing to the program.
View RequirementsQuestions About the Program?
We're at No. 23號2樓, Binhai 1st Rd, Gushan District, Kaohsiung City. Call us at +886 7 531 0161 or email contact@connectivesmarttech.com. We typically respond within one business day.
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