Drumm Nevatt & Associates Chartered Accountants & Business Advisors

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Drumm Nevatt & Associates Chartered Accountants & Business Advisors Accounting & Taxation, Business Advice, Governance Expertise. Accounting Specialists for Business.

At Drumm Nevatt & Associates we provide Accounting & Taxation services, Business Advice and Governance Expertise. We are Accounting Specialists for Business Owners in East Auckland and the wider Auckland Region.

Budget and Cashflow Forecast: Same Numbers, Different QuestionsA budget asks: what do we expect the business to earn and...
19/10/2026

Budget and Cashflow Forecast: Same Numbers, Different Questions

A budget asks: what do we expect the business to earn and spend?

A cashflow forecast asks: when will the money actually arrive and leave the bank account?

You need both because a profitable month can still create a cash squeeze.

For example, a large sale may appear in October’s profit, but if the customer pays in December, that cash cannot cover October’s wages and supplier bills.

The budget shows whether the plan can be profitable. The cashflow forecast shows whether the timing is manageable.

Looking at them together gives you a much clearer view of what the business can afford and when.

Last year’s spending can be a useful reference, but it should not automatically become this year’s budget.Zero-based bud...
17/10/2026

Last year’s spending can be a useful reference, but it should not automatically become this year’s budget.

Zero-based budgeting starts each category from zero and asks a simple question: does this cost still support what the business is trying to achieve?

It can help uncover:
- Subscriptions nobody uses
- Costs that have quietly crept up
- Spending that no longer matches current priorities
- Areas where more investment may be needed

It does not mean cutting everything. It means being deliberate about where the money goes.

Every dollar should have a reason for being in the budget, even if that reason is growth.

A useful budget is built from what is actually happening in the business.Start with the revenue you can reasonably expec...
14/10/2026

A useful budget is built from what is actually happening in the business.

Start with the revenue you can reasonably expect, then work through the costs required to deliver it. Add known changes such as wage increases, rent reviews, new equipment, loan repayments or planned hiring. Then test the result.

- Does the budget leave enough profit?
- Can the cashflow carry the plan?
- What happens if sales arrive later than expected?

A budget should help you make decisions before the money is spent. If it only gets opened once a year, it is not doing much of a job.

10 years of DNA 🎉What started in 2016 has grown into a team of Chartered Accountants and Business Advisors supporting bu...
02/10/2026

10 years of DNA 🎉

What started in 2016 has grown into a team of Chartered Accountants and Business Advisors supporting businesses, families and individuals across New Zealand.

A huge thank you to our clients, our team and everyone who has been part of the journey over the past 10 years.

Here’s to everything we’ve achieved so far, and everything still to come. 🥂

If a potential buyer asked these questions today, how quickly could you answer?• Which products or services are most pro...
22/09/2026

If a potential buyer asked these questions today, how quickly could you answer?

• Which products or services are most profitable?
• How much revenue comes from your five largest customers?
• Is cashflow improving or becoming tighter?
• What does the business need each month to break even?
• Which costs have increased without producing a better result?

These are not only questions for business sales.

They are useful questions for any owner who wants to make better decisions, prepare for growth or understand where value is being created.

Good reporting should do more than record what happened last year. It should help you see what deserves attention now.

[email protected] | 09 534 4382 | dnaca.co.nz

The best time to prepare a business for sale is not when you are already ready to leave.A buyer wants confidence that th...
15/09/2026

The best time to prepare a business for sale is not when you are already ready to leave.

A buyer wants confidence that the business can keep operating after ownership changes. Clear financial records, documented systems, dependable revenue and a capable team can all help reduce uncertainty.

It is also worth looking at how much of the business currently depends on you.

If every client relationship, approval and key task still runs through the owner, a buyer may see risk rather than value.

Even if selling is several years away, improving these areas now can create a stronger, more manageable business in the meantime. That is a useful outcome whether you eventually sell or decide to stay.

Ready to chat?

[email protected] | 09 534 4382 | dnaca.co.nz

A business can look impressive from the outside and still have a few uncomfortable numbers sitting underneath it.Before ...
08/09/2026

A business can look impressive from the outside and still have a few uncomfortable numbers sitting underneath it.

Before signing a Sale and Purchase Agreement, due diligence helps you understand what you may actually be buying.

That means looking beyond the headline sales figure and reviewing:
• How reliable the profit is
• Whether cashflow supports the day-to-day operation
• Customer and supplier concentration
• Existing debts and commitments
• The assets, stock and working capital included in the deal
• Any tax or compliance matters that may need attention

The goal is not to find a “perfect” business. It is to make sure the price, risks and opportunity make sense together.

Planning to buy? Bring your accountant into the conversation early, while there is still room to ask questions and negotiate.

“The business turns over $1 million.”That tells you something, but nowhere near enough to decide what the business is wo...
08/09/2026

“The business turns over $1 million.”

That tells you something, but nowhere near enough to decide what the business is worth.

A buyer will also want to understand the profit behind those sales, how dependable the revenue is, what working capital is required and whether the business can continue without relying heavily on the current owner.

Two businesses with the same turnover can have very different values.

One may have recurring customers, healthy margins and clear systems. The other may have one large customer, tight cashflow and an owner holding everything together.

Business value is built in the detail, not just the biggest number on the page.

Get in touch today.

[email protected] | 09 534 4382 | dnaca.co.nz

A business can look impressive from the outside and still have a few uncomfortable numbers sitting underneath it.Before ...
02/09/2026

A business can look impressive from the outside and still have a few uncomfortable numbers sitting underneath it.

Before signing a Sale and Purchase Agreement, due diligence helps you understand what you may actually be buying.

That means looking beyond the headline sales figure and reviewing:
• How reliable the profit is
• Whether cashflow supports the day-to-day operation
• Customer and supplier concentration
• Existing debts and commitments
• The assets, stock and working capital included in the deal
• Any tax or compliance matters that may need attention

The goal is not to find a “perfect” business. It is to make sure the price, risks and opportunity make sense together.

Planning to buy? Bring your accountant into the conversation early, while there is still room to ask questions and negotiate.

[email protected] | 09 534 4382 | dnaca.co.nz

August is a good time to pause and take a closer look at your cashflow.For many business owners, the day-to-day focus is...
25/08/2026

August is a good time to pause and take a closer look at your cashflow.

For many business owners, the day-to-day focus is often on sales, jobs, clients, deadlines and getting the work done. But what is happening behind the scenes with your cash can have a big impact on how confidently you make decisions.

A simple cashflow check-in can help you understand:
- What money is expected to come in over the next 30, 60 and 90 days
- What expenses, wages, supplier payments, GST or tax obligations are coming up
- Whether customers are paying on time
- Whether there is enough breathing room for quieter periods or unexpected costs
- Whether your reports are giving you a clear view of where the business is heading

Ready for greater confidence in your numbers? Enquire about our Cashflow Clarity service at [email protected] and start making more informed business decisions.

Address

69 Ridge Road, Howick
Auckland
2014

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+6495344382

Website

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