Retail & Trading
Thin margins, stock tied up in the wrong places and sales that don't always turn into cash.
- ConsultingMargin, stock and cash-flow analysis
- Tech & AIERP, inventory and POS with automated reporting
Industries
Different businesses. Connected solutions.
Every industry has its own economics, systems and pressures, and every market adds its own. We start with those realities, then bring in the Gardio capabilities that genuinely fit.
- Consulting Consulting Services
- Tech & AI Technology & AI
Healthcare
Multiple entities and specialities, strict controls and limited visibility of performance by unit.
- ConsultingMulti-entity reporting, controls and governance
- ConsultingFractional CFO and budgeting
- Tech & AIDocument automation and management dashboards
Hospitality & F&B
Food and labour costs that move daily, branch-by-branch differences and expansion decisions made on instinct.
- ConsultingMenu costing, unit economics and new-branch feasibility
- Tech & AIPOS, inventory, online ordering and daily reporting
Professional Services
Revenue depends on people's time. Pricing, utilisation and billing discipline decide profitability.
- ConsultingPricing, utilisation and profitability by client
- Tech & AICRM, workflow automation and AI knowledge assistants
Contracting & Projects
Long projects, retentions and variations make it hard to know which jobs are really making money.
- ConsultingProject costing, WIP and cash management
- Tech & AIProject ERP, approvals and progress dashboards
SMEs & Family Businesses
Growth has outpaced informal ways of working, and too much still depends on the owner.
- ConsultingFractional CFO, structure and governance
- Tech & AIRight-sized accounting or ERP and practical automation
Technology & Start-ups
Fast growth, investor expectations and a finance function that hasn't caught up.
- ConsultingBusiness plans, financial models and funding preparation
- Tech & AICustom software, integrations and AI capability
E-Commerce
Delivery, returns and platform fees quietly erode margins that look healthy on the surface.
- ConsultingUnit economics, cash flow and operating model
- Tech & AIPlatforms, payment integrations and order automation
Transportation & Logistics
Fuel, fleet and manpower costs move constantly, and it is rarely clear which routes, contracts or vehicles actually make money.
- ConsultingCost per trip, contract profitability and cash-flow planning
- Tech & AIFleet and job tracking, automated invoicing and dashboards
Automotive
Workshops, parts and sales each behave like a separate business, with stock, labour and warranty costs hidden between them.
- ConsultingJob costing, parts margin and departmental profitability
- Tech & AIWorkshop and parts systems with service reminders
Wholesale & Distribution
Volume is high but margins are thin, and credit given to customers quietly becomes the biggest risk in the business.
- ConsultingReceivables, pricing and working-capital control
- Tech & AIInventory, order processing and sales reporting
Diversified Service Groups
Several businesses under one owner, often in more than one country, each reporting differently. The group picture arrives late, if at all.
- ConsultingGroup reporting, governance and Fractional CFO
- Tech & AIMulti-company ERP and consolidated dashboards