Financial models
Business assumptions turned into Excel models, with scenarios and sensitivities.
Growth & Finance
Decisions made on the numbers
Planning, valuations and management control for companies without a finance team. You work with a consultant, not just receive a document.
The problem
The accountant closes the books, the owner decides on instinct. Until that stops being enough.
By projectOne deliverable, one deadline: business plan, valuation, budget. When the bank wants a plan or an offer arrives.
OngoingOne or two days a month to check the numbers, update projections and explain what is happening before it turns into a problem.
The role
The missing analysis.
We do not replace the accountant: we work upstream, on the models decisions rest on and the numbers to watch before they become problems.
Your accountant
Growth & Finance consultant
What does it work on?
Books and filings
The decisions
When does it come in?
After the year closes
Before you decide
What does it deliver?
The financial statements
Models, scenarios, plans
With banks and buyers?
Rarely in the room
At the table with you
How much time?
At year-end
1-2 days a month
What it covers
Six deliverables, by project or every month.
Business plan
Full business plans: market, projections and the strategic story.
Company valuations
DCF and market multiples, for deals and negotiations.
Budget and forecast
The annual budget and in-year forecasts on cash, margins and growth.
Processes and management control
Processes mapped, bottlenecks found, indicators set up in a system.
Financial statement analysis
Balance sheet, income statement and cash flow read to surface trends and risks.
Case study
One case, in numbers.
The starting point, what we did and what changed.
Growth & Finance
Sell now or in two years?
A DCF valuation for the sale of a distributor with €5-10M revenue. The result: a defensible range, with three scenarios, ready for the negotiation.
Led byManuel Fusco
Results
From brief to presentation
4 wks
deliveryScenarios on the valuation
3
low, base, highSheets in the delivered model
4
formulas visible, file yoursValue bridge · enterprise value = 100
100
+21,2
−8,2
+4,8
117,8
−17,7
100,2
Enterprise valueNet fin. positionCash keptHoldingsEquity valueNegotiation discountPrice
How we work
Six steps, no black boxes
Framing
A call and the last four statements.
Data
Statements, accounts, management data. Assumptions agreed together.
Build
The model is built from scratch, to fit.
Review
Results challenged until you recognise them as yours.
Delivery
The file stays with you, with instructions.
After
In ongoing mode, the model runs the year.
Timelines
From complete data.
Timelines grow when management data has to be rebuilt, which is common: we say so on day one. We sign an NDA before receiving any document.
Indicative timelines
0246 wk
Statement analysis1-2 wk
Budget and forecast2-3 wk
Financial model2-4 wk
Valuation3-4 wk
Business plan3-5 wk
Process and control3-5 wk
Sound familiar?
When owners call us
A call with Manuel and the last four statements are enough to see where to start.
- The bank wants a plan
- Buying or selling, price unknown
- Revenue grows, cash does not
- An investment to check
- You read the numbers ten months late
- Several lines, unsure which earns
Your contact
Manuel Fusco
Growth ConsultantFour years of experience, now at EY, one of the Big Four, as a consultant to large international companies.
Talk to ManuelWhat do you need to start?
The last four statements and the latest accounts. Sales by product, margin by client and the order book help; if they do not exist, building them is step one.
Do you work with small companies?
Yes. What counts is how complex the decision is. An €800,000 company opening a second plant can need us more than an €8M one in balance.
How long does a business plan take?
Three to five weeks from complete data.
Is our data confidential?
Yes. We sign an NDA before receiving any document, and nothing is published or cited without written permission.
Do you replace our accountant?
No. The accountant keeps the books and filings; we work on the decisions. We talk often.
What does ongoing mean?
A fixed date each month to update projections, review variances and answer when a decision comes up.
Does the model stay with us?
Yes. Native file, formulas visible, documented.