The finance director your business needs, without the cost of a finance director. You send the trial balance, you get a clear picture, and every period we sit down together to decide what changes.
Your accountant tells you what happened. Nobody tells you what it means.
You sell more than last year, but profit isn’t following and you don’t know why.
The bank wants a business plan and cash-flow forecasts, and you don’t know where to start.
Cash gets tight every summer, or every time a big customer pays late.
You have no budget, so you can’t tell whether you’re doing well or just doing.
You or your accountant upload the trial balance and balance sheet to the platform, with your own login.
We fix what doesn’t add up: inventory, work in progress, open items. Then we produce the P&L, ratios and cash flow.
On desktop or mobile, compared with last year and with budget, with our comments written on it.
The most important hour of the period. You sit down with your CFO, in person or online, and decide what changes. Next period we check whether it happened.
Every period · CFO plansA monthly view of results, comparison with last year and budget, cash flow and, on CFO plans, a visit every reporting period to agree what we do next.
From €30 a monthFor new businesses, or those that have never had a budget. We set up the finance function together with your accountant and build your first month-by-month budget.
Free with CFO Plus · on quotation for other plansFrom choosing the right programme to approval. We prepare the file, defend the numbers with the bank and negotiate the terms.
Most of the fee only on approvalA 3–5 year financial model with realistic assumptions, scenarios and cash flow. For banks, investors or for you.
€1,500–4,000ESPA and the Hellenic Development Bank in Greece, THALIA in Cyprus, the Recovery Fund in both. We tell you what fits and handle it for you.
Fee + success feeAn investment, a price change, a tough decision: run the numbers before you make it.
€30–90 per hourStart with Insight to see your numbers. When you want someone to sit with you and guide you, move up to CFO.
You want to see your numbers clearly.
You want someone to guide you.
In person in Greece & Cyprus, online elsewhere
You don’t have a finance director and you need one.
In person in Greece & Cyprus, online elsewhere
Prices exclude VAT. Insight: no commitment, cancel anytime. CFO and CFO Plus: 6-month minimum term. Final price depends on the size of the business.
Reporting period: on CFO and CFO Plus you choose how often you want reporting: monthly, quarterly or half-yearly. The price and visits apply per period.
We use the best tools, and add experience and accountability.
Three calculations we do in every first meeting. Enter your own numbers. Nothing is stored.
How much you need to sell not to lose money, and how that moves if your margin changes.
Fixed costs stayed the same. Only what you keep from each € of sales changed.
The debt service coverage ratio (DSCR) is the first thing the bank looks at.
With a target DSCR of 1.3 there is room for about €106k of extra annual debt service. Many banks require at least 1.2–1.3.
The cash conversion cycle shows how many days you are financing the business yourself.
About €945k is tied up in operations. Every 10 days less releases about €82k.
Indicative calculations. Decisions need audited figures and a view of the whole business.
Short guides on what we discuss with our clients. No jargon where it isn’t needed.
Your accountant keeps the books and keeps you compliant with the tax office, and the auditor looks at the past. We look ahead: where you make money, where you lose it and what to do next. We work with your accountant, not instead of them.
On CFO we meet once every reporting period, and on CFO Plus twice: at your office if you are in Greece or Cyprus, online from anywhere else. You choose the period: month, quarter or half-year. Insight doesn’t include meetings: you get the dashboard and written comments, and you can book a meeting whenever you need one. The meeting is the most important part: it’s where numbers become decisions.
Yes, wherever you are. In Greece and Cyprus the CFO and CFO Plus visits can be in person or online, as you prefer. In other countries they are online. We know the funding programmes and banks of Greece and Cyprus, and we work with your accountant and auditor wherever they are.
The trial balance every month or quarter and the latest balance sheet. We can ask your accountant for the rest, if you like.
Only you and us. Each client logs in with their own credentials and sees only their own company. We sign a confidentiality agreement.
Within 3 working days of the trial balance being uploaded.
You can, and you’ll get a decent analysis. But an AI doesn’t know whether your data is right, doesn’t know your business, doesn’t come to the bank and doesn’t call you next period to check whether what you agreed actually happened.
No charge and no commitment. Online from anywhere, or at your office in Greece and Cyprus.