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Independent financial advice · since 2009
Four questions, four services
Four services in the same order: first the numbers, then the advice. For each service you can read the approach, the lead time and the prices.
What decision are you facing?
Start with your question. We know which service goes with it.
Financing
The right financing for growth, premises or a major investment.
First we work out how much money you really need and how much your business can carry. Then we choose the form that fits: bank credit, lease, a mortgage on your premises, a regional fund or a mix. We write the financing proposal and sit beside you at the table with the lender.
All about financingExample: a new branch
- Own funds€150,000
- Bank credit€700,000
- Lease€300,000
- Regional fund€100,000
- Total€1,250,000
What gets put on the table
- Financing need and capacity calculated
- Banks and other lenders side by side
- A proposal a credit analyst understands in one go
- At the table for the meeting with the lender
Lead time
6 to 10 weeks
Price, incl. VAT
- Financing scan€1,495
- Guiding the applicationfrom €3,950
Business transfer
Selling, transferring or taking over a business, step by step.
Most people sell or buy a business once in their life. We work out what it is worth, get it ready for sale, look discreetly for the right buyer or successor and lead the negotiations. We coordinate everything with your notary and tax adviser, until the signature is on paper.
All about business transferA sale in five steps
- Month 1Valuation
- Months 2–3Getting ready for sale
- Months 3–6Meeting buyers
- Months 6–9Intent and due diligence
- Months 9–12Signature
What gets put on the table
- Valuation of your business, with report
- Discreet search for buyers or a successor
- Negotiating up to letter of intent and purchase agreement
- Financing of the purchase price arranged
Lead time
9 to 12 months
Price, incl. VAT
- Business valuation with reportfrom €2,950
- Guiding the salefrom €12,500 + success fee
Growth plan
A plan with figures that your bank and your team understand.
From ambition to a plan with figures. We make a three-year forecast in three scenarios: cautious, expected and ambitious. That shows how much room there is to invest, which KPIs matter and when you will need extra money. Every quarter we put reality next to the plan.
All about growth plansTurnover in three scenarios, in € millions
- Ambitious€5.4m
- Expected€4.5m
- Cautious€3.8m
What gets put on the table
- Three-year forecast in three scenarios
- Monthly cash flow budget
- Five KPIs you actually steer by
- Quarterly meeting with your dedicated adviser
Lead time
4 to 6 weeks, then every quarter
Price, incl. VAT
- Growth plan with forecastsfrom €2,450
- Quarterly meeting€395 per quarter
Wealth and pension for owners
Private and business side by side, down to the euro.
As a business owner, your pension is often tied up in your business. What is left when you stop? Is your family well provided for if something happens to you? We put private and business side by side in one overview. The plan that follows ties in with the work of your accountant and notary.
All about wealth and pension for ownersExample: business owner, 58, wants to stop at 64
What you have
- Business value, after tax€1,150,000
- Home equity€420,000
- Savings and investments€185,000
- Annuity and pension€240,000
Total€1,995,000
What you will need
- Income from 67 to 90€1,610,000
- Buffer and care€150,000
- Gift to the children€100,000
- Headroom€135,000
Total€1,995,000
What gets put on the table
- One overview of private and business
- Pension gap calculated, with and without a sale
- Disability and surviving dependants reviewed
- Coordination with your accountant and notary
Lead time
3 to 5 weeks
Price, incl. VAT
- Overview of private and business€1,650
- Pension plan for the ownerfrom €2,250
No idea which service to start with?
That is fine. After the first hour at the table it will be clear. The questions are often linked too: a transfer is about financing and about your pension.
Book an advice meetingNext available slots
- Tue19:00 · evening
- Wed10:30 · office
- Fri14:00 · video
Rather use the phone? 06 12345678