Dozens of accounts, constant cash gaps and extra taxes on internal transfers.
0cash gaps: every location is self-sustaining
IndustryService network, own stores and franchises
Revenue€4-5M
FormatProject and retainer
TeamPartner, treasury, accountant
Situation
A service network: owned stores plus franchises, €4-5M revenue. Several legal entities, dozens of bank accounts. The owner came with two requests: profitability and clarity. The second hurt most: how much does each store actually make, why is one cash-rich and another empty, no answers. The solution felt technical: change the accounting software. But the issue wasn't software. It was that the group had no money structure.
What we found and did
- Locked in correspondence: one store, one entity, one bank account, its own P&L
- Set up rolling cash flow planning per store and the group
- Built plan-vs-actual control: variance visible early
- Eliminated chaotic transfers between sole-traders, and the tax on them
- Cut the number of bank accounts to a working minimum
Result
Cash gapsStopped
StoresAll self-sustaining, no transfers
Tax on internal transfersGone
Bank accountsFrom a tangle to a clear structure
OwnerSees what each store earns, where cash moves
No software fixes a place with no structure. The chaos wasn't in the tool. It was that the group's money wasn't tied to anything.
A 42.finance principle