Real Estate, Construction & Handcraft

Business and financial plan for trades and construction: pre-finance materials, invoice jobs.

Joinery, plumbing, electrical or construction: planix calculates workshop, hourly rates and material pre-financing – as a plan for your bank and lender.

Hourly rates, material, workshop – your plan for the bank.

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Geschäftskonzept · Vogel Gartenpflege

1Zusammenfassung

Vogel Gartenpflege pflegt in der Branche Immobilien, Bau und Handwerk Gärten und Umgebungen mit Pflegemandaten für Liegenschaften, Gartenarbeiten für Private und Winterdienst. Das Angebot richtet sich an Immobilienverwaltungen und private Haus- und Gartenbesitzende im Zürcher Unterland, deren Umgebungen heute oft die Hauswartung mit wechselnder Qualität pflegt. Anders als die Hauswartungsfirma aus Zürich bietet das Unternehmen gärtnerische Fachpflege, und anders als die Gartenbaufirmen der Region ist es auf Unterhalt statt auf Neuanlagen ausgerichtet. Die Einnahmen stammen aus Jahresmandaten mit monatlicher Rechnung, aus Stundenarbeiten für Private und aus dem Winterdienst. Hinter dem Unternehmen steht Patrick Vogel, Landschaftsgärtner EFZ und Vorarbeiter Gartenbau, der elf Jahre in Gartenbaufirmen im Zürcher Unterland gearbeitet hat.

Business and financial plan · Patrick Vogel

Example · Bassersdorf

1Executive summary

Vogel Gartenpflege maintains gardens and grounds of rental properties for property managers and private gardens in the Zurich Unterland from March 2027, based in Bassersdorf.

Capital requirement: CHF 105’318
Revenue 2027: CHF 133’924
Net result 2027: CHF 12’880

Revenue year 3	CHF 231’026.00
Break-even month	04.2027
Lowest liquidity in the planning horizon	CHF 6’190.00
Equity ratio year 3 (in %)	61.4 %

Debt service
Equity ratio
Leverage
Private needs

PDFPDF · 30 pagesXLSExcel · 8 sheetsDOCWord

In the trades, you pay for the material before the customer pays

Material is bought and wages run, the final invoice often comes weeks after acceptance. planix calculates revenue from hours and jobs, material as pre-financing and shows cash flow with progress and final invoices.

What carries the plan in this industry

Rules in detail

Revenue

Billed hours and jobs

Productive hours times hourly rate plus material – large jobs with progress and final invoices.

Costs

Wages and material

Staff is the largest item, material the second largest. Plus vehicles and workshop.

Capital

Workshop, machines, vehicles

Fit-out, machines, vehicles – for a takeover the purchase price. Plus reserve for material.

What your bank and lenders check first

1
Productive hours per employeeHow many hours you bill, not work – with industry benchmark.
2
Material pre-financingMaterial paid before the final invoice – and whether progress payments cover it.
3
Takeover: purchase price and actual-vs-plan comparisonWhether the result carries the purchase price – compared with the last accounts.
4
Qualifications and registrationGas work needs Gas Safe registration – the plan names it, and any other registration your trade needs, in the company chapter.

Metrics that appear in the plan

Productive hours per year
Hourly rate
Material share
Staff costs in %
Revenue per full-time position
Lowest cash position

Where you submit

Your bank for investment and working capital loan
Lender under the Growth Guarantee Scheme
Suppliers for payment terms on material
Seller in a takeover: vendor loan

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

Typical financing

Equity plus guaranteed bank loan, vendor loan for a takeover

Machines and vehicles can be lent against, material pre-financing cannot. Typical are equity, a bank loan under the Growth Guarantee Scheme and, for takeovers, a vendor loan. Debt service capacity is in chapter 1 with a traffic light.

Machines and vehicles can be lent against, material pre-financing cannot.

Which package fits

Business & financial planning Pro

The concept is free: trade, region, customers and competitors. Business & financial planning Pro (£39) calculates workshop, material, takeover and debt service.

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FAQ

Frequently asked questions from the sector

How does material pre-financing get into the plan?

Through opening inventory and cost of goods per offer with time of payment. The cash flow forecast shows how much material you pay before the final invoice – and whether progress payments are enough.

I am taking over a business. What does planix need?

Purchase price, any vendor loan and today’s numbers or two annual accounts. From this come the opening balance sheet, existing loans and actual-vs-plan comparison.

Does planix calculate with my hourly rates?

Yes: the price is the hourly rate, sales per month are the billed hours. The industry benchmark shows whether your revenue per full-time position fits.

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