Built on Real Experience, Focused on Your Success

We've spent over seven years helping Australian businesses navigate budget risks and build stronger financial foundations.

What started as a small consulting practice has grown into a trusted partner for companies serious about protecting their financial future. We don't just analyse numbers — we understand the real pressures businesses face.

Professional financial consultation meeting

How We Actually Got Here

Back in 2018, we noticed something troubling. Too many good businesses were failing not because of bad products or poor service, but because they couldn't see financial problems coming. Budget risks were blindsiding companies that should have been thriving.

So we started kolmavirexo with a simple idea: give businesses the tools to spot trouble early and build budgets that actually work in the real world. Not the theoretical perfect scenarios you read about, but messy, complicated business reality.

Today, we've helped over 200 Australian businesses strengthen their financial position. Some were struggling startups, others were established companies hitting unexpected walls. What they all had in common was the need for honest, practical guidance.

What We Do Best

Our approach combines detailed financial analysis with practical business sense. We focus on solutions that actually work for your specific situation.

Risk Pattern Recognition

We've seen enough budget failures to know where the danger signs usually appear. Cash flow gaps, seasonal vulnerabilities, growth-related pressure points — we help you spot them before they become problems.

Realistic Planning

We build budgets that account for Murphy's Law. Equipment breaks down, key clients pay late, opportunities come at inconvenient times. Your financial plan should be ready for real life.

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Protection Strategies

Beyond identifying risks, we help you build defences. Emergency reserves, diversified revenue streams, flexible cost structures — practical ways to make your business more resilient.

Meet the People Behind the Numbers

We're not a massive consulting firm with junior analysts handling your account. When you work with kolmavirexo, you get experienced professionals who've been through economic downturns, industry shifts, and business challenges themselves.

Henrik Johansson

Senior Risk Management Consultant

Henrik has guided businesses through three major economic shifts in Australia. He specializes in helping companies prepare for uncertainty while maintaining growth momentum.

Honest Assessment

We tell you what you need to hear, not what you want to hear. If your budget has serious gaps, we'll explain exactly where they are and why they matter. Sugarcoating problems doesn't make them disappear.

Practical Solutions

Every recommendation we make has to work in your actual business environment. We consider your industry, your resources, your timeline, and your risk tolerance. Theoretical perfection isn't helpful if you can't implement it.

Long-term Partnership

Financial risk management isn't a one-time project. Markets change, businesses evolve, new challenges emerge. We build relationships with clients who want ongoing support as their needs develop over time.

Clear Communication

Financial concepts can get complicated quickly. We explain things in plain language, use real examples from your business, and make sure you understand not just what to do, but why it matters. No jargon, no assumptions.

Ready to Strengthen Your Financial Position?

Let's have a straightforward conversation about your budget risks and what you can do about them. No sales pressure, no complicated proposals — just honest advice about protecting your business.

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