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A module of the digital founding companion for the United KingdomA planix founding-companion module

The business plan
banks & investors want to see.The business plan
banks & investors want to see.

You answer questions, planix writes the plan and does the maths – bank-ready in hours.

You answer, planix writes and calculates – bank-ready in hours.

Calculated: start-up costs, cash flow and 5-year forecast from your inputsCosts, cash flow, 5 years calculated
Sourced: industry benchmarks with sources, text written for your projectIndustry benchmarks with sources
Clear: ready for banks, investors and Start Up Loans – no prior knowledgeReady for bank and lender

Concept freeBusiness and financial plan £39, one-offFinancial plan £39, one-off No credit card

Geschäftskonzept · Kaffeewerk Steinberg GmbH

1Zusammenfassung

Die Kaffeewerk Steinberg GmbH eröffnet in der Branche Gastronomie und Tourismus ein Café mit eigener Rösterei und verkauft frisch geröstete Kaffeebohnen sowie Röstkurse. Das Angebot richtet sich an Gäste der Winterthurer Altstadt und an Haushalte mit eigener Siebträgermaschine, die frische Bohnen heute online oder in Zürich kaufen. Anders als die Kaffeehauskette in der Altstadt röstet das Café selbst, und anders als die Rösterei im Industriequartier bietet es dazu Sitzplätze und Kurse. Die Einnahmen stammen aus dem Café-Betrieb, dem Verkauf von Bohnen im Laden und im Abo sowie aus den Röstkursen. Hinter dem Unternehmen steht Lea Brunner, Restaurationsfachfrau EFZ mit Ausbildung als Kaffeeröster, die zuvor ein Café in Zürich geleitet hat.

Business and financial plan · Lea Brunner

Example · Winterthur

1Executive summary

Kaffeewerk Steinberg GmbH is opening a café with its own roastery in Winterthur’s old town and sells freshly roasted beans in the shop and by subscription.

Capital requirement: CHF 263’400
Revenue 2027: CHF 417’081
Net result 2027: CHF -53’645

Revenue year 3	CHF 597’936.00
Break-even month	08.2027
Lowest liquidity in the planning horizon	CHF 78’139.00
Equity ratio year 3 (in %)	48.1 %

Debt service
Equity ratio
Leverage
Private needs

PDFPDF · 30 pagesXLSExcel · 8 sheetsDOCWord

collumino.com

STARTUPS

The method

How planix gets to your plan.

Five steps from your inputs to the finished plan.

From venture to financial plan

1
Describe
Short questions on offer, target customer, competitors – no prior knowledge.
Short questions about your venture.
2
Add
Offers with price, staff, costs, investments, equity and living costs.
Offers, staff, costs, equity.
3
Calculate
Start-up costs, cash flow and viability over five years – only from your inputs.
Five years, only from your inputs.
4
Check
In the finance board you check and change every number. Benchmarks are only proposals.
You check and change every number.
5
Write
After your approval: the plan in 16 chapters – as web, PDF, Word and Excel.
16 chapters, every number from the tables.

If you have done other planix modules, planix asks nothing twice.

Calculation rules

Traceable rules instead of estimates.

Rules in detail

Every number in the plan follows a rule you can read up on.

How much money do you need – and where does it come from?

Industry benchmark from: Office for National Statistics · Department for Business and Trade · ONS Business demography · Eurostat · Companies House · Web research – Where no official figure fits, the comparison is left out – no false precision.

Office for National StatisticsOfficial statistics of the UK

Bank of EnglandEconomic and financial indicators

data.gov.ukOpen government data, location analysis

NomisLabour market statistics by region

Office for Budget ResponsibilityEconomic forecasts and analysis

Intellectual Property OfficeTrade marks and patents in the UK

Competition and Markets AuthorityCompetition and consumer rules

Ordnance SurveyGeodata for location analysis

Department for Business and TradeBusiness population estimates by sector and region

HMRCTax and VAT rules

OECDInternational economic and industry data

EUIPO and EPOTrademarks and patents in Europe

WolframAlphaCalculations and factual knowledge

Web researchLive search for the current market situation

Companies HouseUK register of companies and annual accounts

legislation.gov.ukUK law – regulatory check

UK university librariesAcademic sources

ONS Business demographyBusiness births, deaths and survival

The GazetteOfficial public record and statutory notices

GOV.UK business guidanceRules and licences per sector

Information Commissioner’s OfficeData protection rules (UK GDPR)

HM Land RegistryProperty and location data

Valuation Office AgencyBusiness rates and rateable values

EurostatEuropean statistics

World BankGlobal economic indicators

Financial Modeling PrepFinancial and company metrics

Exchange ratesCurrent currency conversion

Packages & pricing

From concept to bankable plan.

The concept is free, the Pro plan calculates the numbers for your bank and lender.

FreeDevelop the business conceptThe concept

Put your idea into a document you can share – before you plan the numbers.

17 short questions, no prior knowledge
6 chapters without invented numbers
One-page short profile

Business Concept
Business concept
Short Profile

freeStart now

Calculated financial planBusiness & financial planning ProThe bankable plan

Complete business plan with a calculated financial plan, the way banks and funding agencies accept it.

16 chapters, every number from the tables
Finance board: check, change, approve
Document list per lender

Business and financial plan
Financial plan (Excel attachment)

one-off £39Plan bank-ready

Afterwards: Lean business plan – your plan on at most four pages, £35 one-off.

Compare both packages in detail

Honesty rules

Why you can trust the plan.

1
No number is invented. Every amount comes from your inputs or the financial plan.
No number is invented. Every amount from your inputs or the tables.
2
Gaps are shown openly. Missing funds and tight ratios are flagged with traffic lights in chapter 1.
Gaps are stated openly. Missing funds and tight metrics with traffic lights, in chapter 1.
3
Assumptions are called assumptions. Benchmarks and parameters have their own chapter, with sources.
Assumptions are called assumptions. Benchmarks and parameters in a separate chapter, with sources.

Use Cases

Launch with planix

How founders turn ideas into real businesses with planix.

Turning your creative hobby into a career

Business model

A young artist opens her own studio. With planix, she develops her idea, business plan and clear positioning.

Read full story

Opening Your Own Café – Secure Start-Up Capital with planix

FAQ

Frequently asked questions

What is the difference between Develop business concept and Business & financial planning Pro?

The concept describes your venture in 6 chapters, without numbers. Business & financial planning Pro (£39) takes it over and calculates a 5-year financial plan – 16 chapters with start-up costs, cash flow and viability with traffic lights.

Do I need a subscription?

No. You buy Business & financial planning Pro once. A finished concept is carried over.

Does planix invent numbers?

No. Every amount comes from your inputs or the tables. For empty costs the finance board proposes an industry benchmark – it is only calculated once you confirm it.

What if the money is not enough?

Then the plan says so openly: missing funds, security gap, traffic light on debt service. You learn it before the bank meeting and can adjust equity, investments or start month.

Will the bank accept the plan?

The plan is built the way your bank and Start Up Loans expect it – business plan, monthly cash flow forecast and personal survival budget, with viability, scenarios and document list. Whether a loan comes is up to the lender; planix gives no guarantee.

Your venture stands.
Now the plan with numbers.

Your venture as a document – free, in about 15 minutes.

Start for free Business concept free · Business & financial planning Pro £39 · one-off, even without a subscription

The business planbanks & investors want to see.The business planbanks & investors want to see.