Liquidity analysis examines your company's ability to meet short-term obligations - think paying suppliers next month or covering payroll. Solvency analysis looks at long-term financial stability and whether you can handle debt obligations over years, not months. Both are essential, but they tell different stories about your business health.

Most successful businesses in Thailand run quarterly liquidity checks and annual comprehensive solvency reviews. However, during economic uncertainty or rapid growth phases, monthly liquidity monitoring becomes crucial. We've seen companies avoid major cash flow problems by catching issues in these regular reviews.

The current ratio and quick ratio are your liquidity lifelines - they show if you can pay bills without selling inventory. For solvency, debt-to-equity and interest coverage ratios reveal long-term sustainability. But honestly, cash conversion cycle might be the most practical metric for day-to-day operations.

Seasonal businesses need modified approaches. Standard ratios can be misleading if calculated during off-peak periods. We recommend creating rolling 12-month averages and peak-to-trough comparisons. Tourism and agricultural businesses in Thailand particularly benefit from seasonal-adjusted analysis frameworks.

You'll need current balance sheets, income statements for at least 12 months, cash flow statements, and accounts payable/receivable aging reports. Don't worry if your bookkeeping isn't perfect - we can work with what you have and help improve data collection processes as we go.

Initial analysis usually takes 2-3 weeks once we have all your financial data. This includes ratio calculations, trend analysis, and preparing actionable recommendations. Rush analyses for urgent situations can be completed in 3-5 business days, though these focus on immediate liquidity concerns rather than comprehensive solvency review.