Notes on operations and finance.
Written for people running a company, not for people selling software. No solutions, no digital transformation. Just the operation, explained.
All articles
Year-end close: what to prepare in December
Much of the work of closing the books gets decided before 31 December. After that date, the options shrink a lot.
ManagementHow to know if your pricing is losing you money
Prices set three years ago, costs that have risen since, and a margin nobody has recalculated. More common than it sounds.
ManagementFixed and variable costs: the split that changes decisions
Knowing how much the company has to invoice just to pay for itself is the single most clarifying number a management team can have.
CollectionsBad debt: when to keep chasing and when to accept the loss
Chasing a lost debt costs time, money and energy that would pay off better elsewhere. Knowing when to stop is management too.
ManagementBudget control: which variances actually matter
Analysing every variance eats time and changes nothing. Three simple rules separate the noise from what needs a decision.
ManagementAn SME's first annual budget
It's not an accounting exercise, and it doesn't need to be complex. It's putting into numbers what management has already decided to do.
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Financial outsourcing vs. an in-house hire: the real math
Most managers compare gross salary to a monthly fee and stop there. The full math, with charges, risk and scalability, gives a different answer.
Cash flowA 90-day cash flow forecast, without software
How to build the forecast most SMEs do not have, using what already exists inside the company, before you need any tool at all.
OperationsFive signs you need operations, not another piece of software
The most common mistake in a growing SME is not having too few tools. It is having nobody looking at the whole.
ProcessesWhat documents to send your accountant every month
Invoicing, statements, payroll and deadlines. The full list of what to collect, in what format, and by when, so the chain doesn't break.
ProcessesDocument management at your company: a practical guide for SMEs
Categorise by type and retention period, separate physical from digital filing rules, define approval flows, and meet what Portuguese law requires.
ManagementThe monthly report management actually needs (and what it doesn't)
A trial balance answers to the law. It answers none of the questions a manager actually asks. These are different documents, for different purposes.