Financial resources and structure
Without financing, there can be no growth. But raising capital or investing in your business is not just a matter of finding money. It is also about maintaining control, assessing risks and weighing up the tax implications. You can choose between your own resources, bank loans, investors or subsidies – each option has its own impact. Your financial structure also deserves attention: how do you align your cost and revenue model with your growth plans? How do you prevent liquidity problems in busy or slow periods? Financially sound choices offer more than just survival chances – they open doors to sustainable growth.
Recognizable situations
Situations you recognize, answers that help you move forward.
A strong financial plan starts with a clear assessment of your activities. What are your expected revenues? How will your costs evolve? And what investments are needed to achieve your objectives? The plan should include at least a turnover forecast, a profit and loss account, a liquidity plan and a balance sheet. Make sure your assumptions are substantiated: base them on market information, concrete quotations or previous performance, if available.
A realistic plan takes uncertainties into account. What if growth slows down? Or a major customer drops out? By building in multiple scenarios, you will gain a better picture of the risks and resilience of your business. Finally, don't forget to provide a buffer for unforeseen expenses. A good financial plan is not an exercise in filling in the blanks, but a strategic compass.
Contact our experts:
The way you remunerate yourself and extract profits from your company largely determines your tax efficiency. In addition to a fixed salary, you can also opt for benefits in kind, an expense allowance or a dividend. Each channel has its own tax impact, both on the company and on you personally. The trick is to combine these elements wisely, tailored to your income needs and long-term planning.
Your investment structure also plays a role. Is it best to work with a single company, or are there advantages to a holding company? What about pension accrual through the company? And how can you take advantage of favourable tax regimes such as the VVPRbis scheme or the mobility budget? There is no standard formula, but those who actively manage their financial structure often pay less tax – without taking any legal risks.
Contact our experts:
A strong investment dossier provides your company with leverage for capital, confidence and growth. It all starts with a convincing story that offers perspective. What is the purpose of your investment? And what is the potential return, both financially and strategically? You describe your project, back it up with figures and demonstrate that it fits in with your broader business strategy and the reality of the market. Potential financiers want to see that you have thought things through and that you have also identified the risks.
This is followed by the financial translation. How much is the investment? How will your company finance it, and under what conditions? You develop scenarios for turnover, costs and cash flow, and provide a repayment plan. The more realistic your figures and the more concrete your approach, the greater the chance that a bank, investor or subsidy partner will place their trust in you.
Contact our experts:
Equity provides stability and independence. You don’t pay interest and you retain full control over your business. The downside is that your own resources may be limited, which can cause you to miss out on growth opportunities or take on unnecessary personal financial risk. In addition, injecting capital is not always the most tax-efficient option.
Debt financing, such as loans or leasing, allows you to invest and grow faster without using your own funds. At the same time, it creates interest and repayment obligations. Striking the right balance between equity and debt is therefore essential. A well-balanced capital structure is a strategic lever for growth: it strengthens your creditworthiness, increases flexibility and enhances your company’s return potential.
Contact our experts:
Other important moments
These topics will help you think, plan and grow further
Other important moments
These topics will help you think, plan and grow further
Are you at a strategic turning point?
Whether you want to grow, internationalise, digitise or transfer, we are happy to think along with you. Contact us and discover how we can support the growth of your business.