Finance & Insurance

Business and financial plan for accountants and financial service providers: clients, fees, authorisation.

Accountancy, wealth management or insurance broking: planix calculates clients, fees, staff and FCA authorisation – also for a takeover.

Mandates, fees, takeover.

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Geschäftskonzept · Thurtal Treuhand GmbH

1Zusammenfassung

Die Thurtal Treuhand GmbH führt in der Branche Finanzen und Versicherung ein eingeführtes Büro in Wil mit Buchhaltung und Abschluss, Steuererklärungen, Lohnadministration und Beratung weiter. Das Angebot richtet sich an Gewerbebetriebe, Kleinunternehmen und Privatpersonen der Region Wil, deren bisheriger Betreuer in Pension geht und die Kontinuität wünschen. Anders als die Filiale der Revisionsgesellschaft betreut das Büro kleine Betriebe persönlich, und anders als die Online-Buchhaltungsdienste berät es vor Ort. Der grösste Teil des Ertrags stammt aus wiederkehrenden Mandaten mit monatlicher Abrechnung, ergänzt durch Steuererklärungen und Beratung nach Stunden. Fabienne Eberle, Treuhänderin mit eidgenössischem Fachausweis und zugelassene Revisorin, übernimmt das Büro im Januar 2027 vom bisherigen Inhaber.

Business and financial plan · Fabienne Eberle

Example · Wil

1Executive summary

Thurtal Treuhand GmbH takes over an established fiduciary firm in Wil in January 2027 and continues accounting, tax and payroll services for SMEs and private clients.

Capital requirement: CHF 720’849
Revenue 2027: CHF 699’840
Net result 2027: CHF 60’785

Revenue year 3	CHF 744’905.00
Break-even month	02.2027
Lowest liquidity in the planning horizon	CHF 137’441.00
Equity ratio year 3 (in %)	39.6 %

Debt service
Equity ratio
Leverage
Private needs

PDFPDF · 30 pagesXLSExcel · 8 sheetsDOCWord

In accountancy and financial services, the client base is the capital

Few investments, but high staff costs and fees often invoiced months after the work. With takeovers, what counts is what the client base costs and how many clients stay – planix shows whether the result carries the purchase price.

What carries the plan in this industry

Rules in detail

Revenue

Mandates and fees

Mandates times annual fee or hours times rate – with invoicing rhythm.

Costs

Staff, software, liability insurance

Skilled staff is the largest item, plus software, licence, professional liability.

Capital

Client base and IT

For a takeover the purchase price, otherwise IT and deposit – plus reserve for invoicing.

What your bank and lenders check first

1
Retention rate of the client baseHow many clients stay – the cautious scenario calculates with fewer.
2
Purchase price from the resultWhether cash flow covers interest and repayment of the price – with traffic light.
3
Revenue per full-time positionCompared with official data: are the fees per person plausible?
4
Licence and liability insuranceLicence and liability insurance in the company chapter, the costs in the profit and loss account.

Metrics that appear in the plan

Mandates and fee per mandate
Revenue per full-time position
Staff costs in %
Retention rate
Invoicing rhythm
Debt service capacity

Where you submit

Your bank for takeover loan
Seller for vendor loan and earn-out
Lender under the Growth Guarantee Scheme if security is missing
Just for your own planning

Industry benchmark from: Office for National Statistics, Department for Business and Trade, ONS Business demography, Eurostat, Companies House, Web research

Typical financing

Equity plus takeover loan and vendor loan

A client base is not collateral a bank lends against. Typical are equity, a bank loan and a vendor loan tied to the retention rate.

A client base is not collateral a bank lends against.

Which package fits

Business & financial planning Pro

The concept is free: service, target customers, licence and competitors. Business & financial planning Pro (£39) calculates takeover, debt service, industry benchmark and scenarios.

View pricing

FAQ

Frequently asked questions from the sector

How does planix calculate the takeover of a client base?

You enter purchase price, vendor loan and the seller’s numbers. The plan includes opening balance sheet, actual-vs-plan comparison and debt service; you control the retention rate through sales.

Fees are only invoiced after the annual accounts. Does the plan see that?

Yes, through the payment term per offer. The cash flow forecast shows the reserve that takes.

Is the plan tax or investment advice?

No. The plan is planning support with your numbers and does not replace tax, legal or investment advice.

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