French speaking Switzerland · SMEs and startups
A clear financial view for running your business in Switzerland.
Your business is moving forward, but cash and profitability remain hard to read. Mercova helps you understand results, anticipate commitments and prepare decisions each month, working with your fiduciary firm.
Annual support with a monthly review. Cash monitoring frequency is agreed around your needs and available data.
Connect your fiduciary’s accounts to business decisions
An annual income statement is not enough to decide on a hire, purchase or significant order today. We connect operations, available accounts and cash movements in a monthly view with written commentary.
Understand the month
A dashboard with written analysis of revenue, margins, costs and differences from the forecast. Provisional figures and missing information are clearly identified.
See cash needs ahead
A forecast that separates invoicing from collection, and expenses from payment dates. We make assumptions and periods of pressure visible so you can prepare your decisions.
Decide the next actions
A monthly discussion to prioritise issues, choose actions and assign responsibility. The following month, we review progress and what has changed in the numbers.
Fictional example illustrating our financial management method.
4. Which invoices need your attention?
Of €120,000 receivables, €30,000 are overdue. We prepare a list with the amount, reason for delay, owner and confirmed payment date. Moving a €20,000 receipt to the following month lowers this month’s cash by the same amount without automatically reducing revenue.
See the figures and assumptionsPractical questions for a business in French speaking Switzerland
Currencies, invoicing arrangements and international activity change how cash should be forecast. Monitoring needs to reflect these realities while distinguishing management analysis from accounting obligations.
Work with your fiduciary firm
We agree exports, availability dates and provisional items. Your fiduciary retains its accounting and filing assignments; Mercova prepares the management analysis and the questions to resolve together.
Forecast CHF and EUR cash flows
If you collect Swiss francs and pay some suppliers in euros, we separate flows by currency before combining them using explicit exchange rate assumptions. A currency movement and a late customer payment become separate scenarios.
Coordinate matters involving France and Switzerland
For operations connected to France, we identify flows between entities, payment dates and missing data. Your specialists confirm tax, customs and legal treatment; their guidance informs the forecast.
A clear rhythm, agreed with you
The first discussion establishes your upcoming decisions, data quality and responsibilities. Scope, timing and fees are then set out in the proposal.
Gather the relevant information
Accounting exports, bank balances, customer and supplier schedules, payroll and known commitments. We agree a format and delivery date with you and your accounting contact.
Read the numbers together
You receive the dashboard and commentary. The monthly meeting focuses on variances, cash and the decisions that need your attention.
Follow the decisions through
Each agreed action has an owner and a deadline. We update the forecast at the agreed frequency and prepare the next discussion around what has actually changed.
For owners who want to understand before deciding
An outsourced finance function can suit SMEs and startups with established revenue and no structured internal finance team. We assess the need through operations, entities, currencies and upcoming decisions, rather than revenue alone.
This service requires available data and an involved owner. Bookkeeping, tax filings and legal advice remain with your existing professional advisers.
Ongoing financial support, decisions every month
A dashboard is a starting point. We propose annual support around your results, cash and upcoming decisions, with a retainer billed monthly according to the agreed scope.
01
Understand your need
In a free initial 20 minute call, we discuss your business, available figures and a specific decision that concerns you.
02
Agree a clear annual scope
If there is a fit, the proposal sets out deliverables, meetings, data requirements, monthly fees and duration terms. You decide before committing.
03
Analyse, decide and review actions
Each month brings an interpretation of the figures and a discussion of decisions. Cash reviews can be more frequent when the need, data and scope support it.
For owners of SMEs and startups with an established business, typically around 1 to 30 million in annual revenue. The need for recurring analysis, data quality and your involvement matter as much as size.
20 minutes to discuss your situation. No obligation.
Before choosing financial support
Which decision are your numbers leaving unanswered?
Discuss your business and an upcoming decision in a free 20 minute call. If there is a fit, we set out annual support and a monthly retainer in a proposal.
Book my free introductory call