Risk rarely shows up where you expect it.

In this episode of Get Financially Fit, Debbie Bailey explores the kind of risk that sits quietly in the background while the numbers look fine, the sort that keeps business owners awake at 3am but never appears in the P&L until it’s too late.

Drawing on a real client story and her experience in corporate finance, Debbie explains how larger organisations think about risk as design, not fear and how MDs of £1–5m businesses can apply the same thinking without adding layers of process or complexity.

You’ll hear why unmanaged risk often shows up personally before it shows up financially, how simple structural decisions can create calm, and the one question Debbie would ask if she were sitting next to you as your Finance Director.

This episode is for managing directors who want to grow their business without carrying all the risk themselves.

Hosted on Acast. See acast.com/privacy for more information.

You can be profitable and still feel stuck.

You can have cash in the bank and still feel nervous.

And you can look at your numbers regularly and still feel unsure what decision to make next.

In this episode, I explain why that happens and why profit, cash and the balance sheet only make sense when you look at them together.

This isn’t about learning accounting.

It’s about understanding why decision-making feels hard when you’re only looking at one part of the picture.

I share how finance directors actually use profit, cash and the balance sheet together to help CEOs:

• understand what’s really going on in the business
• avoid cash squeezes and tax surprises
• make confident decisions about pay, growth and investment
• stop reacting month to month

If you’ve ever thought, “The business is profitable… so why does this still feel stressful?”

this episode will help you see why and what to look at differently.

Hosted on Acast. See acast.com/privacy for more information.

The balance sheet is one of the most misunderstood reports in a small business and one of the most important.

In this episode of Get Financially FIT with Debbie Hancock, Debbie explains how corporates really use the balance sheet as a control and decision-making tool, not just a year-end formality.

Drawing on real-world examples from gyms and growing businesses, Debbie walks through:

• what the balance sheet actually shows (and what it doesn’t)
• how mistakes here often lead to overpaying tax
• why payroll, VAT and fixed assets are common problem areas
• how the balance sheet affects dividends, cash confidence and business value
• and what a CEO should be looking at — without needing to become an accountant
• 
  

This episode is about understanding your business position properly, asking better questions, and using the balance sheet the way a Finance Director would, so your profit, tax and decisions are grounded in reality.

Hosted on Acast. See acast.com/privacy for more information.