Financial advisory for SMEs and business leaders
The precision of analysis, the strength of decisions. Sagora supports leaders, directors and investors in their strategic decisions. Business plans, company valuations, investment analyses: we turn financial complexity into decision-making clarity.
What is financial advisory for SMEs?
Financial advisory for SMEs helps a business leader make financial decisions on solid figures: reading the company's position, obtaining financing, setting a value, steering cash or building a plan. Sagora carries out these assignments for SMEs and mid-sized companies in Belgium and Luxembourg, under the direction of Mathias Schmit, founder of Sagora and professor of finance at Solvay Brussels School (ULB). Each assignment starts from your accounts and your challenges, leads to a written deliverable and is quoted on request.
Our financial advisory assignments
| Assignment | When to use it | Deliverable |
|---|---|---|
| SME financial analysis | Before a major decision, or as an annual review to objectify the trajectory. | 12 to 18-page report: prioritised findings and quantified recommendations. |
| Bank financing file | Before approaching the bank for an investment or a cash need. | Credit memo, integrated forecast and ratios presented to the banker. |
| Business valuation | Sale, succession, a new partner, fundraising or a shareholders' agreement. | Valuation memorandum: DCF as the reference method, market benchmarks as the check. |
| Part-time CFO | When the SME needs financial leadership without hiring full time, or during a transition. | Ongoing steering: cash, reporting, budget and banking relationship. |
| Business plan and financial planning | Launching a project, strategic plan, preparing a financing round or fundraising. | Integrated financial model (P&L, balance sheet, cash) with scenarios. |
All assignments are quoted on request and scoped with you before any commitment.
Leaders, directors, investors
Whether you head an SME, sit on a board of directors or are a private investor, your financial decisions deserve to be informed by independent and rigorous analyses.
Sagora Advisory provides you with expertise in financial modelling, valuation and strategy to help you make the right decisions at the right time.
Complementary areas of expertise to cover the full range of your financial challenges.
Company valuation
Discounted cash flows (DCF) as the reference method, market benchmarks as a consistency check, depending on your context
Tailored financial coaching
Individual sessions for non-financial leaders
Financial planning
Modelling, projections & strategic scenarios
Business plan
Structuring, business model & investor presentation
CFO support
Part-time CFO or one-off support on critical matters
A three-step process
From understanding to action, a structured framework for informed decisions.
Understand
Analysis of your context, challenges and strategic objectives.
Decode
Rigorous modelling, scenarios and financial valuation.
Act
Clear and actionable deliverables to decide with confidence.
Sagora financial advisory in brief
Who is Sagora's financial advisory for?
For executives, finance directors and shareholders of SMEs and mid-sized companies, in Belgium and Luxembourg, who want to decide on solid financial grounds: valuation, financing, planning or performance management.
What types of assignments do you carry out?
Company valuation, business plan and financial modelling, support for a sale or acquisition, optimisation of working capital and cash, and outsourced financial management for occasional needs.
How does an assignment unfold?
In three steps: understand your context and your challenges, decode the financial mechanics through modelling and analysis, then act with clear and directly actionable deliverables to decide with confidence.
What is the difference with the Sagora Analytics diagnosis?
Sagora Analytics provides a standardised financial diagnosis based on the filed annual accounts, free and with no commitment. Advisory is a tailor-made assignment, more in-depth, calibrated for a specific decision such as a valuation, a financing or a transfer.
In which regions do you operate?
Mainly in Belgium and Luxembourg, both on-site and remotely, in French.
How much does a financial advisory assignment cost?
Each assignment is quoted on request: the price depends on the size of the company, the question at stake and the data available. The scope is agreed with you before any commitment.
What is the difference with an accountant?
The accountant keeps or reviews the books and prepares the annual accounts. Financial advisory starts from those accounts to inform a decision: financing, valuing, investing, steering cash. The two are complementary.
Our most requested advisory assignments
Every decision deserves the right analysis.
Let's discuss your challenges. Together we define the framework, the objectives and the deliverables.