Financial Health Check Questionnaire
A structured discovery questionnaire covering reporting, profitability, cash flow, receivables, controls and transport operations.
Download questionnaire ↓Practical finance support for Malaysian SMEs
Clearer accounts.
Better business decisions.
We turn accounting records into clear management information—helping business owners understand profit, control cash flow and act on the issues that matter.
✓ 30+ years of practical finance experience
Cash-flow Clarity
Illustrative net cash position
RM 248,500
↑ 18% improvement
Management Reporting
Illustrative gross margin
32.4%
Up-to-date numbers. Better insights.
Clear findings, priorities and recommended actions.
Clear findings, priorities and recommended actions.
Financial Health Check
A focused review of profitability, cash flow, working capital, controls and reporting gaps.
Management Reporting
Monthly financial statements, KPIs, commentary and priorities explained in plain language.
Cash-Flow Management
13-week cash forecasts, collection priorities, payment planning and scenarios.
Systems & Controls
Practical accounting-system setup, reconciliations, procedures and reporting structures.
SME Financial Training
Practical online courses, workshops, learning materials and subscription-based learning for SME owners and staff.
A sensible place to begin
Know where your business stands financially
A Financial Health Check gives an owner a concise, independent view of the company’s present position—before committing to wider or ongoing support.
- Profitability and margin review
- Cash-flow and working-capital assessment
- Receivables, payables and reporting gaps
- Red/amber/green issue summary
- Prioritised practical action plan
Illustrative financial health score
72/100- Profitability
- Good
- Cash flow
- Needs attention
- Working capital
- Average
- Financial controls
- Fair
Online and in-person learning
Build practical financial-management skills
TMMC’s training is designed for Malaysian SME owners, managers and accounts staff who want to understand the numbers and use them in day-to-day decisions.
- Cash flow and working-capital management
- Costing, pricing and profitability
- Budgets, forecasts and variance analysis
- Monthly management reporting
- Worked examples and reusable templates
- Monthly or annual learning subscriptions
Experience you can rely on
A practical finance partner for your business
TM Management Consultancy is led by Thiagan Manikam and built around more than 30 years of hands-on accounting and financial-management experience. We understand the pressure owners face when records fall behind, cash becomes tight or reports do not explain what is really happening.
Our role is to bring structure, clarity and useful information—without overwhelming you with accounting jargon.
Professional background
Extensive finance-management and full-set accounting experience, supported by an MBA (General) from the University of New England, Australia.
Extensive finance-management and full-set accounting experience, supported by an MBA (General) from the University of New England, Australia.
30+Years of practical finance experience
SMEFocused on owner-managed businesses
ClearReports explained in plain business language
Our approach
From accounting records to better decisions
- 1
Understand
We learn how the business operates and what management needs to know.
- 2
Review
We examine the available records, reconcile material figures and identify gaps.
- 3
Explain
We present findings in concise, commercially useful language.
- 4
Improve
We agree practical priorities, responsibilities and follow-up dates.
Free resources
See the questions we ask and the insights we provide
Download these examples before your consultation. The sample figures are illustrative and designed to show the format and decision-focused approach.
Sample Financial Health Check Report
An eight-page prospect example with an executive dashboard, profitability, cash flow, working capital, findings and recommendations.
Download sample report ↓Let’s talk
Ready for clearer financial information?
Arrange a free introductory consultation to discuss your business, its current accounting position and the support you need.
Based in Puchong, Selangor — serving SMEs throughout Malaysia