Finance and operations for SMEs in Portugal

Your company has someone handling the accounting. It has nobody handling the operation.

That is what we do. Invoicing, collections, payroll, cash flow and reporting, handled every month, through a single point of contact.

A first conversation, at no cost, to work out whether this is a fit.

Sound familiar?
  • You do not know precisely how much you are owed, or by whom.
  • You invoice late and collect worse.
  • You have no 90-day cash flow forecast.
  • Payroll is a scramble every single month.
  • Paperwork reaches the accountant in disarray.
  • You decide by the bank balance, not by KPIs.

Your accountant handles what the law requires. Reconciliation, taxes, statutory filings.

Zelo is the layer above it: the day-to-day operation the accountant does not cover, and that the owner of a small company ends up doing badly, in a rush, between meetings.

What we do

Four areas. One point of contact.

No standalone modules: the company operation handled as a whole, month after month.

01

Monthly financial management

Accounts payable and receivable, bank reconciliation, invoicing, document management, and a direct line to your accountant.

02

Administrative processes

Administrative routine that is structured, documented and maintained, so it stops living in one person’s memory.

03

HR operations

Payroll, contracts, onboarding, holidays and absences, with no surprises on payday.

04

Management support

KPIs, dashboards, cost control and a 90-day cash flow forecast, so decisions rest on numbers rather than on the balance.

Services

Three levels of support.

The right level depends on the size and complexity of your company: Essential for a company turning over 100 thousand euros is not the same work as for one turning over 2 million. That is why we talk to you before we talk about price.

Zelo Essential

The entry point for putting the house in order.

  • Invoicing, accounts receivable and payable
  • Bank reconciliation
  • Document management
  • Liaison with your accountant
Talk about Essential
Most chosen

Zelo Managed

Everything in Essential, plus active management of the operation.

  • Everything in Essential
  • Active collections
  • Payroll and HR
  • Monthly cash flow and margin reporting
Talk about Managed

Zelo Direction

A shared finance director, without hiring one.

  • Everything in Managed
  • Budgeting and budget control
  • 90-day cash flow forecast
  • KPI dashboard and a monthly meeting with management
Talk about Direction

The Zelo Diagnostic

The first step is always to understand the real state of your operation, adapted to the size of the company rather than to a generic price list. That is what tells us which level is right.

Book a meeting
How it works

From first contact to first report.

No drawn-out limbo, and no stopping the operation halfway.

  1. 01

    Diagnostic

    A conversation and a survey of how the operation actually runs: what exists, what is missing, and what it is costing you. At no cost and with no commitment.

  2. 02

    Proposal

    We propose the level of support that fits the size of the company, at a fixed monthly fee. No hourly billing and no surprise extras.

  3. 03

    Onboarding

    We take over the processes in phases, starting from the tools you already use. Nothing forces you to change software or to interrupt what is running.

  4. 04

    Ongoing work

    The operation runs every month through a single point of contact. And on the 5th you receive the Zelo Report.

The asset that matters most

The Zelo Report.

One page, every month, always on the 5th. Half of it shows what we did for you that month. The other half shows where your company stands now.

It is not an add-on to the service. It is the account of our work and the state of play, in the same document.

Structure of the Zelo Report: one page split between the work done in the month and the current state of the company ZELO REPORT current month WHAT WE DID STATE OF THE COMPANY
The structure of the document. The content is your company’s.
Frequently asked

What people ask before going ahead.

Does this replace my accountant?

No, and that is not what we do. Your accountant handles what the law requires: taxes, statutory filings, year-end accounts. Zelo handles the operation that happens before that — invoicing, collecting, paying, reconciling, organising — and hands the work over already in order. In practice, your accountant’s job gets easier.

Do I have to change software?

No. We start from the tools you already use, whatever they are. If at some point it makes sense to change something, we explain why and the decision is yours. We do not sell software and we take no commission from vendors.

How long does it take to get started?

Between two and four weeks, depending on the size of the company and the state of the paperwork. Onboarding is phased: we take on whatever is causing the most friction first, and the rest afterwards. The operation never stops.

What access do you need to my accounts?

The minimum required for the contracted work, always through named credentials that you can revoke at any time. In most cases we use view-only banking access without payment permissions: payments are prepared by us and authorised by you. Everything we see is covered by professional confidentiality.

What happens if I want to stop?

The processes, the credentials and the documentation are yours and stay with you, organised. We hand over to whoever you nominate and we retain no information about your company. A service that only survives because leaving is hard is not a service, it is a hostage situation.

How much does it cost?

It depends on the size and complexity of the company: the same level of service at a company turning over 100 thousand euros is not the same work as at one turning over 2 million. So we run the diagnostic first, at no cost, and only then present a fixed monthly fee.

The finance leadership your company cannot yet hire.

Tell us what you need. At no cost and with no commitment — we only talk about a proposal once we understand your operation.

Prefer not to use a form? Write directly to contacto@zelo-group.com.