Monthly financial steering for SMEs and startups
You built a real business. Stop steering it blind.
Between two annual statements there are twelve months of decisions made on instinct: hiring, pricing, investing, cash. Mercova turns your accounting into a monthly dashboard, a written analysis and clear actions, so you decide on numbers, not on gut feel.
Annual support with a monthly review. Cash monitoring frequency is agreed around your needs and available data.
Sound familiar?
Growing revenue does not mean clear numbers
Your bank balance is your dashboard
You check the account to know if things are fine. But a balance says nothing about margins, seasonality or what next quarter looks like.
Your accounts do not answer your management questions
You receive accounting information but need a regular interpretation of margins, cash and upcoming decisions. First clarify the advice already included in your accounting firm’s work.
Decisions are made on instinct
A hire, a price, an investment, a tight quote. You decide with the information you have, which is mostly a feeling. Some of those calls are expensive.
Work from a financial reporting engagement
What we actually delivered for a business owner
During a recurring engagement, Mercova produced several reports bringing together the company’s results, cost structure and cash flows. These are the analyses included in those deliverables, with no information that could identify the client.
Understanding profitability
The income statement, fixed and variable costs, and break even revenue are presented in one report.
The question to examine: what revenue is needed to cover costs and generate a profit?
Understanding cash movements
The reports present cash flows alongside receivables, liabilities and borrowings.
The question to examine: why are profit and the bank balance moving differently?
Reports across several periods
Successive reports cover the same categories of analysis, giving the owner a regular basis for understanding the numbers.
The question to examine: what has changed since the last period and needs a closer look?
This account describes work delivered. It does not claim a financial gain attributable to the engagement. The demonstration tables on this site use fictional data that is separate from client reports.
Explore the demonstration tablesThe fix
A financial copilot, every month
Mercova helps you interpret available information and connect it to decisions. Scope depends on data quality, your organisation and the topics to review each month.
Your accounts, integrated
We bring together the ledger and trial balance on the agreed schedule, identifying provisional figures, missing entries and points to check with your accountant.
The month, analyzed
Margins, costs, seasonality, warning signs and the trends taking shape, read by a senior eye.
A dashboard you can read
One clear page with a written commentary: what is going well, what needs attention, what the numbers say.
Actions, not reports
Prioritized, concrete recommendations, ready to decide on. The point is better decisions, not another report.
A forecast that stays alive
The forecast is updated at the agreed frequency with explicit assumptions. An important decision or change may require an additional scenario to agree together.
A monthly call to decide
One video call a month: we walk through the dashboard together, make the decisions and set the course for the next month.
Explore financial support for your business
Find your market context and a concrete example of monthly financial analysis.
France · SMEs and startups
We start with how your business works: how you invoice, when customers pay and which commitments fall due before cash arrives.
French speaking Switzerland · SMEs and startups
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.
What does useful financial analysis look like?
A business can report a profit while using up cash. Our example connects operating earnings to bank movements, then sets out the decisions to examine.
Fictional example illustrating our financial management method.
6. The monthly review leads to specific actions
Annual support means returning to the same questions with updated figures: what changed, what remains uncertain and what needs deciding. The report prepares the conversation; follow up checks what actually happened.
See the figures and assumptionsIs this for you?
Built for founders who are great at their craft, not at finance
This is for you if
- You run an established SME or startup, typically with around 1 to 30 million in annual revenue
- Your numbers live in your head, or nowhere
- You want to decide hiring, pricing and investments on facts
- You have an accountant but lack a regular financial interpretation for decisions
This is not for you if
- You are pre revenue and need a first business plan
- You are looking for bookkeeping or tax filings (we never touch those; your accountant keeps them)
- You want a report to file away rather than decisions to make
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.
The questions founders ask us
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.
Prefer to see where you stand first? Get your steering score in 3 minutes. Take the score