How This Started

Back in early 2019, I was consulting for a Sydney-based manufacturing firm. The owner had decent revenue but kept running into cash problems. When I asked about their current ratio, he looked at me like I'd spoken Mandarin.

That's when it clicked. Business owners aren't accountants. They shouldn't need to be. But they do need to understand what their numbers actually mean before making decisions about expansion, hiring, or equipment purchases.

So we started osmarquilo with a simple premise: teach financial ratios the way real people learn best. Through stories, through examples from actual Australian businesses, and through hands-on practice with scenarios that mirror what you'd face on a Tuesday afternoon.

By mid-2025, we've worked with over 400 business owners across NSW and Victoria. And yeah, we've learned just as much from them as they have from us.