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

Business plan with AI –
calculated, not guessed.Business plan with AI –
calculated, not guessed.

The AI writes the text, a financial model calculates every figure – ready for your bank and lender.

AI writes, a financial model calculates – ready for the bank.

Calculated: every figure from the financial model, not from the language modelEvery figure from the financial model
Sourced: benchmarks from official UK industry dataOfficial industry data
Fast: ready in hours for banks, investors and Start Up LoansReady in hours

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 planix AI

AI you can trust.

A chatbot answers. planix works like a team: write, calculate, check – tailored to your industry.

Several models

One AI writes, a second one checks.

Specialised AI models work together and check each other before you see a chapter.

Models check each other.

Financial model

No AI calculates the numbers.

Start-up costs, cash flow and viability come from a financial model with fixed rules. The AI writes the text around them.

Numbers from the financial model.

Your industry

Tailored to your industry.

Benchmarks from official industry data for your country. If your plan deviates strongly, a note with source is added.

Official industry data, per country.

Context

planix remembers your venture.

What you entered in other modules flows in. Nothing is asked twice, nothing contradicts.

Nothing asked twice.

The difference

A chatbot guesses. planix calculates.

The same request for a business plan – two very different results.

Same request, two results.

AI chatbotplanix

Numbersestimated, partly inventedcalculated in the financial model

Industry figuresgeneric, no sourceofficial data, with source

UK tax and National Insuranceoften inaccurateas of 2026/27, per country

Checkingnoneseveral models check

Structuretext without structure16 chapters the way the bank reads

Resultchat historyPDF, Word, Excel

Your datapartly used for trainingno AI training

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 AI.

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.

FAQ

Frequently asked questions

Does the AI write my business plan?

Yes, the text – chapter by chapter from your inputs. The numbers are calculated by the planix financial model. That keeps every number traceable.

Does the AI invent numbers?

No. What you do not enter, planix does not calculate. For empty fields the finance board proposes an industry benchmark – it is only calculated once you confirm it.

How is it different from ChatGPT?

A chatbot answers single questions. planix guides you through every chapter, calculates with a financial model, compares with official industry data and has several models cross-check. At the end you get a finished document, not a chat history.

Does the plan fit my industry and my country?

Yes. Benchmarks come from official industry data for the UK, and so do tax, wages and National Insurance. Examples from 14 industries show what that looks like.

View examples

Is my data used for AI training?

No. Your inputs are never used to train AI models. Stored in Europe under the UK GDPR.

Business plan with AI.
Done right.

Start with the concept – free, in about 15 minutes.

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

Business plan with AI –calculated, not guessed.Business plan with AI –calculated, not guessed.