France · SMEs and startups
Your business generates revenue. Keep a clear view of its finances.
You sell, hire and move forward. Yet it is not always clear what the business earns or what will remain in the bank. Every month, Mercova helps you understand performance, anticipate cash needs and decide what to do next.
Annual support with a monthly review. Cash monitoring frequency is agreed around your needs and available data.
Between the annual accounts and tomorrow’s decisions
Your accountant produces essential information. It still needs to be connected to orders, payment dates and actual operations. Financial management turns that foundation into a regular view you can use for a hire, investment or pricing decision.
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.
2. Why profit does not appear in the bank
Working capital absorbs €40,000: €35,000 more receivables and €10,000 more inventory, offset by €5,000 more supplier payables. Check receipt dates and inventory needs before committing to new spending.
See the figures and assumptionsSupport built around your operations in France
We start with how your business works: how you invoice, when customers pay and which commitments fall due before cash arrives.
Coordinate with your accountant
We agree the exports and information needed for monthly monitoring. Pending entries, accruals and timing differences are discussed with your accountant to separate business performance from bookkeeping delays.
Match collections to payment dates
The euro forecast brings together customer receipts, suppliers, payroll, loan payments and tax and social contribution payments communicated by your advisers. Dates come from your commitments and their guidance.
Understand the working capital behind growth
More sales can tie up more cash in receivables and inventory. We examine payment terms, deposits and margins to understand what a new order requires before it generates cash.
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 with a trading business and limited financial visibility
The service is particularly relevant to SMEs and startups generating between €1 million and €30 million in revenue without an available internal finance leader. The right scope also depends on entities, seasonality and data complexity.
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