Industries We Serve
Your Industry Has Specific Financial Challenges. We Know What They Are.
Generic accounting advice produces generic outcomes. Crestova maintains dedicated service frameworks for the industries we serve — built from direct experience managing the finances of businesses that operate in them. Six industries. Real playbooks. Not brochure claims.
01 — Industry
Logistics & Trucking
Fleet P&L visibility, IFTA compliance, cost-per-mile reporting, and owner-operator pay structures. We understand the financial complexity of businesses built around movement — across the US, Canada, UK, and beyond.
The Challenges We're Built For
No Visibility into True Profitability by Lane, Load, or Vehicle
Most logistics businesses cannot answer the question that matters most: which lanes, loads, or vehicles are making money? Without per-unit cost allocation — fuel, driver pay, maintenance, depreciation, tolls, and insurance allocated at the vehicle level — your P&L tells you the aggregate but obscures every decision that would improve it.
IFTA Fuel Tax Complexity and Exposure
IFTA quarterly reporting requires accurate mileage and fuel data across every jurisdiction your fleet operates in. Errors create penalties and missed refund opportunities. IFTA audits require documentation many operators do not maintain. We manage the full compliance cycle and maintain the records an audit requires.
Owner-Operator vs. W-2 Classification Risk
Driver misclassification is one of the IRS's highest-frequency audit targets in trucking. Exposure to back payroll taxes, penalties, and benefit obligations can be financially material. We review your classification structure, document the basis for your decisions, and ensure your treatment is consistent and defensible.
Factoring and Cash Flow Accounting
Freight factoring transactions are frequently mishandled — producing accounts that overstate revenue, understate cost, and misrepresent cash position. We record factoring correctly from the outset: the advance, the fee, the reserve, and the settlement, reconciled to your factor's statements monthly.
02 — Industry
E-Commerce & DTC Brands
Multi-channel revenue reconciliation, COGS accuracy, inventory accounting, and investor-ready financials for DTC brands scaling across Shopify, Amazon, and global marketplaces. Books that keep pace with your growth curve.
The Challenges We're Built For
Multi-Channel Revenue Reconciliation
Amazon and Shopify operate settlement-based payout systems where the amount deposited differs from gross sales revenue by fees, refunds, advertising credits, and chargebacks. We reconcile at the gross transaction level — so your P&L reflects true revenue and your channel-level economics are visible.
COGS Accuracy and Inventory Valuation
Your gross margin is only accurate if landed cost per unit is calculated correctly — including purchase price, inbound freight, import duties, customs fees, and 3PL receiving charges. Incorrect COGS makes every margin calculation wrong. We build and maintain the landed cost calculation that produces accurate COGS every month.
Multi-Currency Transactions
Selling in USD, GBP, EUR, and AUD with suppliers invoiced in CNY creates foreign currency accounting requirements that most general bookkeepers handle incorrectly. We record transactions at the correct exchange rate, revalue foreign currency balances at period-end, and capture exchange differences appropriately.
Investor-Ready Financials Under Due Diligence Pressure
Many DTC founders reach a fundraising moment with unreconciled Shopify payouts, inventory values that cannot be substantiated, and COGS figures that don't agree to any documented methodology. We address these gaps proactively — and for earlier-stage founders, prevent them from arising in the first place.
03 — Industry
Healthcare Practices
Provider-level profitability reporting, payroll and superannuation compliance, insurance reconciliation, and financial clarity for clinics, allied health practices, dental groups, and medical service providers across Australia, the UK, US, Canada, and UAE.
The Challenges We're Built For
Insurance & Medicare Billing Reconciliation
In markets where significant revenue comes through insurance payers, the reconciliation between billed amounts, expected reimbursements, actual payments, and write-offs is complex and high-volume. Gaps in this reconciliation overstate revenue and mask collection shortfalls. We reconcile your Medicare and insurance revenue to the deposit level every month.
Practitioner-Level Profitability Reporting
Most practices cannot answer which practitioners are profitable, which patient types generate the best returns, or which service lines are carrying overhead. We build the accounting structure and reporting framework that answers these questions — every month, from your actual records.
Payroll Compliance in Regulated Markets
Australian practices face superannuation guarantee obligations with specific calculation rules and quarterly deadlines. UK practices must manage PAYE and NIC for clinical and administrative staff under RTI. US practices navigate payroll tax complexity across federal and state levels. We manage payroll compliance in full in each market.
Practice Growth Financial Advisory
Financial modelling for new practitioner recruitment, additional clinical space, equipment acquisition, second-location feasibility, and practice acquisition due diligence — providing the financial analysis that supports strategic growth decisions before commitments are made.
04 — Industry
Manufacturing
Cost accounting, inventory valuation, standard costing and variance analysis, and IFRS financial reporting for manufacturers seeking international financing, foreign buyer relationships, or cross-border investment.
The Challenges We're Built For
Cost Accounting and Overhead Absorption
The allocation of direct materials, direct labour, and manufacturing overhead to individual products — and the determination of an appropriate overhead absorption rate — is the technical core of manufacturing accounting. Incorrect absorption produces standard costs that don't reflect production economics, generating phantom profits or unexplained losses.
Inventory Valuation Complexity
A manufacturer maintains inventory at three stages: raw materials at purchase cost, WIP at partial conversion cost, and finished goods at full manufacturing cost. Each must be valued correctly at period-end, with adjustments for slow-moving, obsolete, or damaged stock. Incorrect inventory valuation directly impacts reported gross margin.
IFRS Financial Statements for International Markets
Manufacturers seeking export contracts, international bank financing, or foreign buyer relationships are frequently required to produce IFRS-compliant statements. We prepare IFRS-compliant accounts for manufacturers operating under local GAAP — covering IAS 2 (inventory), IAS 16 (PPE), IFRS 15 (revenue), and IFRS 16 (leases).
Transfer Pricing for Multi-Entity Groups
Manufacturing groups with production entities in Pakistan and sales entities in the UK or UAE face transfer pricing obligations that require arm's length pricing documentation for intercompany transactions. Non-compliance carries material adjustment and penalty risk. We prepare transfer pricing documentation and advise on intercompany pricing policy.
05 — Industry
Startups & SaaS
Investor-ready books from incorporation. Burn rate and runway tracking. MRR/ARR reporting. Fundraising financial preparation from pre-seed to Series B — and the fractional CFO support to guide you through each round.
The Challenges We're Built For
Revenue Recognition for SaaS (IFRS 15 / ASC 606)
Annual subscription revenue collected upfront is recognised ratably over the subscription term as a service is delivered — not in the month of collection. Incorrect revenue recognition overstates revenue in collection months, understates it in delivery months, and creates a balance sheet that omits the deferred revenue liability. Sophisticated investors always check this. We get it right from day one.
Burn Rate and Runway Visibility
Many founders track burn informally and inaccurately — discovering a funding gap later than they should because the burn calculation excluded a category of expenditure or wasn't updated as circumstances changed. We maintain your burn rate and runway calculation monthly, accurately, with a forward-looking 13-week cash flow model that gives you early warning.
Investor-Ready Financial Records
In practice, "investor-ready" means: management accounts complete, reconciled, and produced on an accruals basis for every month of trading history; COGS documented and defensible; a balance sheet that agrees to underlying records; and accounting policies that are GAAP-compliant. We build and maintain exactly this standard throughout your engagement.
Cap Table and Equity Instrument Accounting
SAFE notes, convertible notes, warrant instruments, and share option schemes each have specific accounting treatment requirements under IFRS and US GAAP — and each is frequently mishandled. Incorrectly classified equity instruments create balance sheet misstatements and potentially expensive restatement requirements. We classify your instruments correctly from the outset.
06 — Industry
Professional Services Firms
Engagement-level and partner-level profitability reporting, WIP accounting, cash flow management, and tax advisory for consulting firms, law practices, architectural practices, and advisory businesses.
The Challenges We're Built For
No Visibility into Engagement or Partner-Level Profitability
Professional services firms frequently cannot identify which engagements are profitable, which partners are generating firm value, and which client relationships cost more to maintain than they generate in revenue. Generic P&L cannot answer these questions. Engagement and partner-level P&L can. We build and maintain the reporting framework that does.
Work-in-Progress Management and Revenue Recognition
WIP — time recorded but not yet billed — is frequently not properly captured, valued, or written off when appropriate. Incorrect WIP management overstates unbilled work, produces revenue recognition that doesn't reflect completion stage, and creates a balance sheet that misrepresents the firm's true financial position.
Cash Flow Management Around Billing Cycles
Professional services firms experience significant timing differences between the recognition of work and the receipt of cash. WIP to billing conversion, debtor collection, and the gap between costs incurred and revenue billed must be modelled to manage the firm's liquidity. We maintain a 13-week cash flow model and manage the firm's liquidity position proactively.
Partner Remuneration Structuring
The financial structure of partner remuneration — the split between base salary, profit share, draw, and capital contribution — has significant tax implications. Profit extraction strategy and the optimal compensation structure for different categories of professional staff are decisions with material financial consequences. We advise on all of these.
Your Industry. Our Expertise.
Tell Us About Your Business. We'll Tell You Exactly How We Can Help.
A 30-minute industry-specific consultation with a senior Crestova adviser. We will assess your current financial function and outline the exact services your business needs — with a fixed-fee proposal within 48 hours.