Obsidian Fox  ·  Wealth creation  ·  Pretoria

Nothing worth building
gets built alone.

We are a wealth creation company. We put our own capital to work — in listed markets and in private South African businesses — and we help the ones we back grow. Every company we have been part of was built with people better than us at their part of it. No one is an island. That is the whole method.

Capital

Our own money,
in two places.

Obsidian Fox invests what it has earned. No fund, no outside capital, no client money — which is exactly why we can say what we think rather than what a mandate requires.

01  /  Listed markets

Stock

We trade and hold listed equities for our own account. It is a discipline as much as a position: nothing teaches you to read a set of financials faster than owning the consequences of misreading one.

02  /  Private businesses

Buy-in

We take equity in South African businesses with room to grow, and then we work. Capital alone has never fixed a company. What changes the trajectory is the systems, the people and the attention that arrive with it.

How we help you grow

The things that quietly
hold a business back.

Rarely the product. Usually the plumbing — the tax structure nobody revisited, the payroll that eats three days a month, the brand that stopped matching the company two years ago. We work on those, ourselves and through a network of specialists we used on our own businesses first.

01  /  The spine

Investment & buy-in

Where it fits both sides, we take a stake and stay. This is first because it changes everything below it: an adviser with money in the business is answering a different question from one billing by the hour. It is also the whole point of the company — we are not a consultancy that occasionally invests, we are an investor that does the work the investment needs.

Our own capital — no fund, no outside money
What it changes about everything else here
Advisory Bad advice costs us too. That is a materially different kind of advice from the sort delivered by the hour and invoiced regardless.
Tax Structure decided for the long hold rather than for this year's return, because we are on the same side of the hold.
Accounting Numbers we rely on ourselves. An owner reads a set of management accounts very differently from a contractor.
Marketing Spend argued over like it is ours, on the reasonable grounds that some of it is.
Look & feel A brand built to still be right in seven years, not to win something this quarter.

Instrumentation

Most owners fly on feel.
We fit instruments.

Ask an owner how last month went and you get a story. Ask the system and you get a number. The first thing we build in a company we back is the panel that makes the second answer available before the first one has been decided — and we choose what goes on it from the evidence, not from habit.

obsidian-fox.co.za / operating-panel Live
Cash buffer days 41 Median small business holds 27
Debtor days38 −14 vs. Q1
Top client22% of revenue
Books current to Day 4 was day 19 — how far you can trust the rest
Cash buffer days — 12 months MEDIAN 27 41
Mar 2025Feb 2026
Revenue concentration
Largest client 22%
Second 17%
Third 11%
Everyone else 50%

Why these four. Cash buffer days — cash divided by average daily outflow — is the best-evidenced survival metric there is: the JPMorgan Chase Institute measured 597 000 small businesses and found a median buffer of 27 days, and by its 2020 follow-up half held fewer than 15. It is a stock measure, so it moves weeks before a P&L shows anything. Debtor days earns its place here specifically: National Treasury data shows 95 399 invoices worth R12.4bn sitting past 30 days at the end of Q2 2025, up 17% on the quarter. Revenue concentration is the risk none of the others can see — it stays invisible until the client leaves. And books current to is not a performance figure at all; it tells you how far you can trust the other three.

Illustrative figures — an example panel, not investment performance and not any real client's numbers.

Built together

Neither of these
was a solo effort.

Two of the businesses we have been part of creating. Both still trading, both still serving the customers they were built for, and both built with people better than us at their part of it. That is the whole of our track record and we would rather show it than describe it.

Fleet operations  /  UK & South Africa

SimplyFleet

Sold to companies running vehicles — the ones whose maintenance history lives in a lever-arch file and whose fuel spend lives in somebody's inbox. Trading in two countries, against established competitors, since well before it was comfortable.

simplyfleet.co.za →

Operations  /  South Africa

Flynt

Built for businesses whose process is spread across three places and one person's memory. Onboarding, people admin, and the daily running of a company that has outgrown the way it was first put together.

flyntza.co.za →

How we think — a worked example

Everyone knows 70% of South African businesses fail.
Nobody knows who counted.

You have heard the figure. It is in every pitch deck, every incubator brochure and most government policy papers. We went looking for the study behind it.

The trail leads to a 2019 paper in the Africa's Public Service Delivery & Performance Review, which is the source almost everyone cites. Read it and you find a literature review — a survey of what other people have written — which states the 70% figure and does not say where it came from. A 2017 UCT thesis claims five in seven small businesses fail in their first year, roughly the same percentage describing an entirely different thing. That one does cite a source. The source is a magazine article.

It is not the only one. The line that 82% of small businesses fail because of cash flow appears on hundreds of finance websites, always credited to "a U.S. Bank study" that nobody can produce. Meanwhile the two counts that are properly sourced cannot agree on how many businesses there are to begin with:

3.2m MSMEs in South Africa, formal and informal, employing 12.9 million people. FinScope MSME Survey, FinMark Trust — 2020 fieldwork
250k Formal, employing SMEs — counted from SARS and Treasury tax records rather than estimated. Small Business Institute baseline — 2016 tax year
~13× The gap between them. Same country, same term, different definitions, nobody reconciling. The SBI study exists to say the older estimates were assumptions

We are not saying South African businesses don't fail. We are saying an entire advice industry is built on numbers nobody can source.

This is roughly how we look at a business, too. Not scepticism for its own sake — there is enough of that about — but the ordinary discipline of asking where a number came from before deciding what it means. It is also why the panel above carries its sources.

Start a conversation

Tell us what's actually going on. Not the version for the bank.

There is no team between you and us, no qualification call, and no obligation on either side after the first conversation.

Call +27 82 259 0525 Straight to the director. No switchboard, no gatekeeper.
What happens next One conversation Twenty minutes on where the business actually is. If we are not the right people, we will say so and point you at who is.

Before you engage us

One thing said plainly.

Obsidian Fox both advises businesses and, in some cases, invests in them. That is the model, and it means our interests and yours can point in different directions during a transaction. So: we disclose it before any advisory work begins, we keep any equity negotiation a separate conversation from the advisory engagement, and we will tell you to take independent advice on the deal terms rather than rely on ours. If that ever stops being true, walk away.