Management reporting
An agreed set of cash, margin and performance reports, with commentary on the decisions behind the numbers.
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Practical financial advisory
Fractional CFO services for owner-led businesses
Get a clear view of cash, margins and financing decisions, with senior financial support matched to your business and an agreed scope.
Scope and fees are agreed before work begins.
Your financial adviser
Kamen Dimitrov, CFA
CFA charterholder · MBA, Carlson School of Management
What you receive
You need management insight beyond the annual accounts, but an ongoing full-time CFO role does not fit your business.
Cash and planning
A working cash forecast and budget, built around your operating cycle and reviewed as assumptions change.
Decision support
Financial analysis for investment, financing or restructuring decisions, with explicit assumptions and trade-offs.
How the work is structured
We agree the question first, then the information, analysis and working deliverables.
01. Define the decision
Clarify the objective, current position, information available and the required working outputs.
02. Analyse and test
Review the data, document the assumptions and compare the material scenarios.
03. Review and agree actions
Discuss the findings, deliver the agreed materials and identify the next decisions.
Preparation and scope
What we need to start
Recent financial statements, management reports, current debt and cash position, and the decisions you need to make.
Engagement scope
Recurring support or a defined project. Priorities, responsibilities and reporting frequency are agreed before work begins.
Questions before you start
How is a fractional CFO different from an accountant?
Accounting records transactions and prepares statutory reporting. A fractional CFO uses financial and operating information to support planning, cash management and business decisions, working with your accountant.
Can we start with one specific problem?
Yes. The initial scope can focus on cash visibility, margins, financing preparation or another defined decision before considering recurring support.
Start with the decision you need to make.
Outline the business situation and the question you need to resolve. We can then define the relevant scope and information.
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