Your financial team already works. You just now control your budget.
Real-time visibility. Better cash flow. Smarter decisions on borrowing and investment. That’s financial advisory that puts you back in control.
Most directors see their financial picture only once a year—after the books close. By then it’s too late to make changes—capital is already committed. Konto 6 takes a different approach: monthly analysis, budgeting, liquidity forecasting, analysis of borrowing and investment options. This is not data processing. This is financial review that answers your actual questions: where is the money going, what’s ahead, and how do you stay in charge.
Why most directors lack real visibility into their finances
Accounting is reactive—data entry, reporting, closing. Financial advisory is proactive—you see problems before they arrive. Yet most directors have never experienced true proactive oversight. They don’t grasp what “knowing where money goes before you spend it” or “predicting liquidity problems months in advance” actually means. Result: investments happen without enough analysis. Loans are taken without clear repayment plans. Profit margins are assumed but never verified.
Konto 6 works differently. We don’t wait for year-end books. We read monthly figures, analyze what’s happening, and show you what should happen instead.
What we deliver.
1. Budgeting and liquidity management
Most directors budget only capital expenditure. Konto 6 covers everything—operating expenses, payroll, VAT obligations, all liabilities. Then, for the next three to twelve months, we show precisely: when cash will be needed, how much, and for what. This is not guesswork. It’s mathematics based on your actual history and planned growth. Result: you know before problems arrive—and you know how to prevent them through revised payment terms, phased borrowing, or adjusted volume.
2. Monthly business analysis
Some metrics go up, some go down. Which metrics matter? Did margin shift, or is it volume? Did costs spike? Most directors don’t know exactly. Konto 6 provides detailed monthly analysis—which expense line moved and why, where margin changed, what it means for profit. These aren’t just numbers—they’re insight: “Revenue grew 15% but profit fell 5% because hiring costs outpaced growth.” Then you know what to fix.
3. Borrowing and investment recommendations
Should you borrow? Is an investment justified? Most directors go by instinct. Konto 6 uses math. We analyze ROI, interest costs, cash flow impact, and risk if things don’t go as planned. Specifically: “This loan pays back in 18 months with clear returns. That one would shrink liquidity below safe levels.” You know what to accept and what to decline.
4. CFO-as-a-service
You’re not large enough for a full-time CFO, but you need that perspective. Konto 6 provides it—monthly analysis, annual planning, recommendations for business changes. It’s like having access to a CFO for eight hours a week. You pay only for those hours.
From “annual accounts” to “we know where every dinar goes”
Small textile firm, 15 staff, roughly 2 million dinars annual revenue. For years, the director saw only the annual books—“We made 800,000 dinars profit.” Month by month? Unknown. When Konto 6 started monthly analysis:
•Month 1: Sales 120,000 dinars, profit 55,000 dinars
•Month 2: Sales 180,000 dinars, profit 45,000 dinars (why lower profit on higher sales? — A special market promotion had eroded the margin)
•Month 3: Sales 95,000 dinars, profit 60,000 dinars
Suddenly clear: “That promotion hurts profit.” No such promotion the following year. Profit jumped by 200,000 dinars annually—simply because he now knew what was actually happening.
Second case: The director planned a 500,000-dinar loan for new equipment. Konto 6 said: “Wait. Liquidity is shrinking. Collect outstanding customer invoices first (50,000 dinars), then borrow.” Result: the loan came with better terms because the balance sheet was cleaner.
Takeaway: Two precise but strategic moves. New savings realized, lower risk, better credit.
Which industries benefit most from financial advisory?
E-commerce / Retail
Sales are seasonal and campaign-driven. Margins are thin. Cash flow is critical—you must know when money arrives from platforms. Financial advisory prevents liquidity problems before they start.
Manufacturing
Capital tied up in inventory. Raw material costs fluctuate seasonally. Machinery demands large investments. You need precise analysis: when borrowing makes sense, how to structure purchasing to reduce tied-up capital, how to protect margins when input costs swing.
Startup / Tech
Rapid growth, often with early-stage losses. Investors demand accurate financial projections. Konto 6 helps with: budgeting based on actual growth, forecasts for investor rounds, analysis of cash runway, cost recommendations.
Service firms (consulting, IT)
Revenue depends on utilization rates. You need clarity on: margin per project, profitability per client, billable utilization. Financial advisory ensures you price services and staffing correctly.
Related services
•Accounting — foundation of financial advisory
•Tax Advisory — tax implications of financial decisions