Advisory and financial BPO
An accountant who sits down with you to discuss margin, pricing and profit distribution.
What's included
- Regular performance review meetings
- Cash flow and bank reconciliation
- Partner structuring and holding companies
- Support with financing and due diligence
Need something that is not on the list? We quote it separately and only proceed after your written approval — no surprises on the invoice.
Bookkeeping records what has already happened. Consulting uses that record to decide what comes next. They are different things, and the second only works well when the first is up to date.
Financial BPO is the operational side of it: accounts payable and receivable, bank reconciliation and cash flow, run by people who already see the accounts. It takes the day-consuming routine off the owner and returns the number that guides the week.
It is the right service for a business that has outgrown the spreadsheet but is not yet big enough for an in-house finance team.
1. Understand how money moves today
Who pays, who chases, where the records live, how many hours a week this takes and what has already gone wrong. Before proposing a process, you have to know what the current process is — even when it is informal.
2. Separate the company from the owner
This is the first clean-up, and the most recurrent. Mixed accounts make the real margin unknowable, hamper bank credit and compromise profit distribution. Without that separation, every later analysis is contaminated.
3. Run the routine
Payables with approval, receivables chased, bank reconciliation done and cash flow projected. You approve; execution and control stay with us.
4. Turn the number into a decision
Margin per service or product, break-even point, the real cost of each client, capacity to invest. This is the conversation that answers why less is left over than it seems.
5. Pricing and profit distribution
Two questions that always arrive together: how much to charge and how much the owner can take out. Both depend on the same data, and both improve with current bookkeeping, because booked profit can be distributed without personal income tax.
O que você precisa ter em mãos
- Statements and read access to the company accounts
- List of open payables and receivables
- The price or service list in use
- Main fixed and variable costs
- Clarity on what is a company expense today and what is the owner's
Perguntas frequentes
- How is this different from monthly bookkeeping?
- Monthly bookkeeping meets the legal obligation and produces the record. Consulting uses that record to decide pricing, investment and drawings. One looks backwards because the law requires it; the other looks forward because you need it to.
- Do you touch my bank account?
- We work with read access and with your approval for payments. Control of the money stays with you — what comes from us is the process, the checking and the reporting.
- Is my company too small for this?
- The threshold is not size, it is pain. If cash flow lives in your head, if you do not know the margin per service, or if you pay personal bills through the company, it already makes sense. If the spreadsheet still copes and you have the time, it does not yet.
- Does it help me get better credit?
- It does, because banks decide on the balance sheet and income statement. A company with organised records negotiates limits and rates with auditable numbers rather than arguments.
- Do I have to be a bookkeeping client already?
- It is not required, but it works better together: consulting depends on the data bookkeeping produces, and when both sit under one roof there is no duplicated work and nothing gets lost in transit.
Other services
Company registration (CNPJ)
From choosing the tax regime to the operating licence. You sign digitally and receive the CNPJ ready to invoice.
Monthly bookkeeping
Accounting and tax records kept current, with statements you can actually read.
Payroll and HR
Payroll, eSocial, holidays and terminations handled on time and without fines.