A timber desk at first light with a binder-bound financial report and a window view of the Illawarra coastline

Financial intelligence at the centre of every decision.

An AI-engineered financial system runs across your business: continuously reconciling every transaction, verified end-to-end on every figure, drill-back to source on every classification. I’m the CFO in the loop: the Chartered Accountant who signs the number, defends it to your board, and stakes my reputation on it being right.

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0+ Years Senior finance experience
Wollongong Based Illawarra & regional
WLF (EY) / CA Chartered Accountants ANZ
$0M+ Transactions supported

For a $5M–$50M operator, a full-time CFO doesn’t pay back yet. A part-time CFO can’t keep up with the data. An AI tool answers to no one. What we run is the function those three can’t deliver: a continuously-running intelligence layer producing audit-grade reporting on every figure, with a Chartered Accountant on the judgment calls the system can’t make. It’s the financial office at the altitude this size of business actually needs.

Specialist Practices

Wide on twelve verticals or deep on two. We chose two.

Pet boarding multi-site operations and ASQA-track RTOs are where the depth currently lives. AI takes accuracy past audit materiality in both: a baseline you can stand behind for board, regulator, or sale-side decisions. The same system extends to operators in every industry.

Premium Australian pet boarding facility interior at first light
Vertical practice

Multi-site CFO for Australian pet boarding, daycare & training

Site-by-site P&L. Room-type margin. Occupancy and labour productivity. Pet Manager and ConnectTeam integration. Three pet-industry clients across NSW and QLD.

Explore Pet Industry
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Regulatory specialty

Weekly ASQA Financial Viability snapshots for RTOs

Twelve-plus FVRA ratios calculated weekly. Audit-defence breakdown available. Hygiene checks before they become findings. Anchor client: a Wollongong-based RTO.

Explore ASQA Compliance
What we do

Four disciplines. One embedded financial office.

Foundation engagement Every engagement starts with the Financial Systems Review Four weeks to map your financial systems, surface the gaps, and build the foundation. Retainer engagements pick up from there.
Ongoing retainer

Fractional CFO

Monthly retainer

For operators who need a CFO in the room when decisions matter — without the full-time salary.

Monthly performance reporting · Strategic forecasting · Two meetings + direct access

Monthly retainer · 3-month initial Learn more →

Outsourced Finance Function

Tailored to scale

For operators replacing or augmenting an entire finance team with a single accountable provider.

AP, payroll & compliance managed · Monthly close + reconciliation · Audit-ready records

Monthly retainer · scoped per business Learn more →
Build project

Financial Systems & Data

Project-based

For operators whose existing systems can’t produce decision-grade data — reporting, drill-back, or audit-trail gaps.

Field Library architecture · Source-system integration · Drill-back lineage

One-off build · optional ongoing retainer Learn more →
Event-driven

Deal Preparation & Data Rooms

Deferrable to settlement

For operators preparing to sell within the next twelve months — sell-side or buy-side processes.

Data room assembled · EBITDA normalisation · DD coordination through settlement

Event-driven · pre-approved scope Learn more →
Capital. People. Customers. Pricing. Risk.

The decisions that don’t wait.

In a fast-paced workplace and industry, things are rapidly changing. Cashflow decisions, staffing calls, spend approvals happen weekly, sometimes daily. None of them wait for the monthly report. Reports can’t move faster than reconciliation. And most underlying data isn’t even ready to reconcile. It needs downloading, cleaning, and manipulation before the work begins. In most $5M–$50M businesses, finance gets 3–5 days a month for all of this. A controller wouldn’t change the math. Continuous data work isn’t viable with human labour alone. So decisions get made on experience and instinct, as the speed of the business doesn’t allow the information to keep up. This is how we close the gap:

A navy hardback ledger on a polished walnut desk with a brass desk lamp, fountain pen and ceramic mug — an audit-grade reference document in a Wollongong director’s office

Fig. 02 · PracticeEmbedded financial work · Illawarra, 2026

  • 01 · Capital

    Capital allocation

    Where does the next dollar go — hire, marketing, capex, repay, reserve, distribute?

    Today

    Monthly P&L and bank balance. No rolling cash forecast. No ROI on prior deployments. No contribution margin by line.

    With NPC

    Continuous 13-week cash forecast. ROI tracked against every prior deployment. Contribution margin live by line of business. The next dollar’s destination is calculated, not guessed.

  • 02 · People

    People & capacity

    Who to hire, who’s performing, who to develop, when to let someone go.

    Today

    Total wages line on the P&L. No labour productivity by team, site, or season.

    With NPC

    Labour productivity broken down by team, site, day-of-week, season. Capacity utilisation against demand. Hiring moves from gut feel to evidence.

  • 03 · Customer

    Customer focus

    Which customers to invest in, which to walk from, when to fire a difficult one.

    Today

    Revenue by customer. Not profitability. Not cost-to-serve. Not retention by cohort.

    With NPC

    Customer profitability, not just revenue. Cost-to-serve by segment. Cohort retention. The 80/20 of customer margin becomes visible and actionable.

  • 04 · Pricing

    Pricing & margin

    Discount approvals. Walking from a low-margin deal. Raising prices on over-discounted customers.

    Today

    Blended gross margin. No unit-level cost-to-serve. No elasticity from prior price moves.

    With NPC

    Cost-to-serve by product, customer, segment. Margin trends by line. Past price changes tracked for elasticity. Every pricing call defensible on evidence.

  • 05 · Risk

    Risk acceptance

    Yes or no to customer concentration, complex contracts, covenant edges, regulatory thresholds.

    Today

    Vague awareness. No quantified concentration, headroom, or coverage view.

    With NPC

    Quantified concentration analysis. Covenant headroom updated weekly. Regulatory KPIs live (e.g., FVRA for RTOs). Insurance vs exposure modelled.

What we do differently

The CEO sets a target. Operations runs at it. The data has to keep up.

The CEO sets direction, allocates resources, chooses which risks to take, owns the outcome. The depth of financial data needed to assess each risk on evidence isn’t readily available. Decisions default to gut feel. We close the gap with financial intelligence insights that let the CEO make informed decisions.

Answers, not summaries.

A generic board pack tells you what happened. It rarely tells you why, and almost never tells you what to do. Our reporting is wired direct to source data — Xero, Stripe, Pet Manager, your bank feed — and every drill-down is precomputed. When a recent multi-site pet boarding revenue analysis showed +16% nominally but −1.6% like-for-like, we didn’t hand the owners a forty-page variance commentary. We handed them the finding: growth was 93% rate-driven, and pricing-led growth at a single-site facility has a ceiling.

Cadence at the speed of the business.

Standard fractional CFO rhythm is monthly. Ours is whenever the question is asked, because the reporting is generated, not assembled. The thirty hours a generic CFO spends preparing one board meeting are the thirty hours we spend on what the numbers actually mean. The $2.4M of pipeline-lost we surfaced for a multi-site pet group wasn’t a quarterly finding. It was a weekly report, drilling site → room-type → individual cancellation, available the moment the data landed.

Audit-grade as a by-product.

When a buyer’s QofE team, a lender, or a regulator asks “show me how you calculated this” — most CFO clients spend two weeks reconstructing the answer. Ours don’t. Every figure already carries its derivation, its source rows, its sign-off chain. The same APES 320 standard that defends a number to an auditor on Friday is the same standard that defends it to your board on Tuesday morning. We didn’t add audit-grade output as a premium tier. It’s what comes out of a system built right.

From the Practice · Edition 01

These aren’t claims. They’re the records.

We’ve gone deep on two practices rather than wide on twelve. The clients who fit our world get better work for it. Three pet-industry clients across NSW and QLD. One anchor RTO with weekly FVRA snapshots in production. One embedded financial office behind every engagement.

152,633 stay-days analysed for a multi-site pet boarding group. $2.4M pipeline-lost surfaced through cell-first lineage. 12+ FVRA ratios calculated weekly for a Wollongong-based RTO.

A premium Australian pet boarding facility — example of the operational environments NPC's reporting reflects

Fig. 04 · OperationsThe operational realities our reporting reflects

See the work

Read a real board pack before you commit.

The sanitised monthly pack we deliver to our pet-industry clients. Site-by-site margins, occupancy by room type, what’s actually paying for itself versus what’s just looking busy — and every figure traceable to its source transaction. Sent to your inbox so you can see what monthly reporting looks like when it’s built right.

Request the sample pack
A binder-bound due diligence document on a wide conference table, navy linen with thin gold rule

Fig. 03 · ReferenceM&A data room · checklist binding

If you’re thinking about selling

The M&A Readiness Checklist

Forty-seven items across financial, legal, operational and commercial readiness. The ones we wish every founder had on file twelve months before deal time. Not at deal time. Most founders who run the checklist find at least eight things they hadn’t thought to track.

Timothy Messieh, Director and Fractional CFO at Newport Pembury & Co

Fig. 01 · DirectorTimothy Messieh, CA · Wollongong, 2026

Who you'll be working with

Timothy Messieh, CA

Director · Newport Pembury & Co

Chartered Accountant (ANZ) with twenty years across enterprise finance and SME advisory. Eight of them as in-house CFO of an Australian multi-site service business. Buy-side and sell-side processes totalling more than $50M in transaction value.

Read the full background →

Latest thinking

Perspectives from the Illawarra.

View all insights
A printed 13-week cash flow forecast spreadsheet on a refined timber desk, marked with restrained gold highlights
Financial Strategy

Why your cash flow forecast is always wrong (and how to fix it)

Most 13-week forecasts are built on assumptions that expired six weeks ago. Here's the structural reason — and a better approach.

Read article
A binder-bound due diligence document on a wide conference table, navy linen with thin gold rule lines
M&A

90 days to deal-ready: the due diligence preparation timeline

Most founders underestimate what deal-readiness actually requires. Here is the realistic timeline for getting your data room and financials in order.

Read article
Your existing stack

We connect to what you already use.

No platform changes required. We integrate with the systems most Australian SMEs already operate.

Our engagements

Five engagements. One foundation.

Every engagement starts with the Financial Systems Review — four weeks to map your financial systems, surface the gaps, and build the foundation. From there, we work to what we know best: pet-industry and ASQA-track RTOs as our specialist practices, generalist Fractional CFO as our standard, and sale-prep with fees deferrable to settlement.

Start here
Financial Systems Review
One-off · ~7 days
  • System access & data review
  • Transaction analysis
  • Cash position mapping
  • Findings report & roadmap
Start Here →
Pet Industry · Multi-site
Pet Industry CFO retainer
Monthly · 3-month initial
  • Site-by-site P&L (every cell drillable)
  • Room-type margin + occupancy by class
  • Labour productivity per occupied night
  • Pet Manager + ConnectTeam wired in
Pet Industry →
RTO · Regulatory
ASQA FVRA Snapshot
Monthly · weekly snapshot
  • 12+ FVRA ratios computed weekly
  • Breach alerts before regulator sees them
  • Xero + eSkilled wired in
  • Optional Field Library Sprint
ASQA Service →
All Sectors · Standard Rate
Generalist Fractional CFO retainer
Monthly · all sectors
  • Monthly performance reporting
  • Board pack template
  • Variance analysis & forecasting
  • Two meetings + direct access
Discuss →
Deal Prep · Deferred
Sale preparation
Fees deferrable to settlement
  • Quality of Earnings draft
  • Data room assembled + indexed
  • Due diligence Q&A coordination
  • Fees billed only on completion
Sale Prep →

Ready to talk?

A 30-minute conversation at no charge. We’ll discuss where your business is, what’s holding the financial function back, and whether what we do is the right fit.

Book a discovery call Or request a proposal