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Business plan 2027–2031 · Sample Organisation, Lda.
07Financial projectionsBase case · k USD
NPV at 18%412k USD · 5 years
Project IRR31.4%vs. 18% WACC
Simple payback3.6years · discounted 4.3
Initial investment280k USD · 2027
Revenue, EBITDA and EBITDA margin revenue EBITDA margin
Projected income statement · k USD
Line20272028202920302031
Revenue180265340410470
Cost of sales−101−140−173−205−231
Gross margin79125167205239
Staff−34−41−47−53−59
Other operating costs−23−26−28−31−34
EBITDA225892121146
Depreciation−33−33−33−28−24
Interest−27−25−21−16−11
Net result−380295883
Sources and uses · 280 k USD
Uses
Equipment 165Works 70WC 45
Sources
External debt 150Equity 10030
  • External financing · USD3M SOFR + 4.50%
  • Loan tenor7 years · 2 grace
  • Equity36% of investment
  • Minimum DSCR1.6× in 2029
NPV sensitivity to ±10% · k USD
Key indicators
Indicator20272028202920302031
EBITDA margin12%22%27%30%31%
ROE−34%0%27%39%38%
DSCR——1.6×2.2×2.9×
Net debt / EBITDA6.4×2.2×0.9×0.1×net cash
Equity ratio35%35%45%60%74%
Break-even revenue · k USD267265263256252
Sample Organisation, Lda. · fictitious dataPluriad · page 14
Strategy consulting and outsourced finance

Strategic Thinking.
Financial Rigour.

Strategy, planning and finance, with the detail banks, investors and partners expect.

  • Independent analysis
  • Bank- and investor-grade
About Pluriad

Financial management, without surprises

An external team that handles your organisation's numbers with the rigour of a finance director, whenever you need one.

3service areasFinance leadership and management control · Strategy, plans and investment · Compliance and financial organisation
Tailoredevery deliverablePlans, models and reports designed for the people who will scrutinise them.
30 minfree reviewWhat works, what is missing and what is due first.
Who we work for

For those who must show numbers that stand up to scrutiny.

We don't sell accounting hours. We deliver an organisation with accurate accounts, taxes up to date and reports with the detail funders, banks and partners expect.

Funded projects

Culture, cooperation, NGOs and producers receiving national or international funds who must account for every expense.

  • Budget and execution
  • Invoicing per drawdown
  • Funder reports

SMEs with demanding partners

Companies of 5 to 100 people, without a finance director, reporting to partners, banks, investors or parent companies.

  • Accounts and taxes up to date
  • Report ready to present
  • Loan readiness

International companies and investors

Groups and investors entering Angola or looking for partners, financing and an independent read of the numbers.

  • Market entry
  • Partnerships and joint ventures
  • External financing
Sectors we already serveFilm and audiovisualTourismConstruction and renovationLegal servicesBooks and publishingHigher educationCulture and cooperation
Service areas

Three areas, one standard of rigour.

Five fixed-scope services, organised around what your organisation needs at each stage.

01Monthly fee

Finance leadership and management control

Accounts, taxes, cash and a monthly report, overseen by an outsourced finance director.

Monthly financial management
02Project

Strategy, plans and investment

Business plans, investment appraisal, external financing and long-term planning.

Strategy and planningSpecial projects
03Project

Compliance and financial organisation

Your organisation up to date with the tax authority and the law, and an honest picture before credit, investors or a sale.

Tax and legal complianceReview and due diligence
Our work

Numbers in detail to decide on.

From business plans to management reports: NPV, IRR, payback, SOFR-linked external financing structures, sensitivities and flows, with the detail a bank, an investor or a partner will scrutinise.

Monthly management report · September 2026 · v1.0
01Executive summaryClose at 30.09.2026
Revenue, month12.40k USD · +7.8% vs. budget · +14% vs. Sep/25
Net result3.10k USD · 25.0% margin
Cash9.8k USD · 2.1 months of costs
Days sales outstanding52 d+6 days vs. August
Income statement · k USD
LineSep.BudgetVar.YTD
Revenue12.4011.50+7.8%65.90
Staff costs4.284.30−0.5%30.10
Supplies and services3.573.20+11.6%12.40
Other and depr.1.451.39+4.3%7.40
Net result3.102.61+18.8%16.00
Cash · 13 weeks · k USD
Receivables · 4.55 k USD
0–30 d31–6061–90+90
September tax and social security obligations
ObligationDueAmountStatus
VAT · general regime15.101.12 kPaid 14.10
Payroll tax (IRT) · group A10.100.46 kPaid 09.10
Social security · INSS10.100.47 kPaid 09.10
Withholding tax · services 6.5%15.100.09 kPaid 14.10
E-invoicing · sign-up and testing15.12—In progress
Decisions proposed to management
#DecisionImpactOwnerDue
1Collect from the 3 clients over 60 days+1.0 k USDCFO31.10
2Renegotiate the energy contract−0.25 k USD/monthManagement30.11
3Defer the vehicle purchase to week 11Protects the reserveManagementwk 9
PreparedPluriad · 08.10ReviewedCertified accountant · 09.10ApprovalManagement
Sample Organisation, Lda. · fictitious dataPluriad · page 1
Executive summaryTap to enlarge
Management report · September 2026 · Sample Organisation, Lda.
03Where every unit of value goesSeptember · k USD
Revenue12.40k USD · +7.8% vs. budget
Profit before tax3.65k USD · 29.4% of revenue
Cost per unit invoiced0.75USD · 0.79 in August
Current ratio1.8current assets / liabilities
From revenue to result · September · k USD
Revenue vs. budget · k USD actual budget
Cost structure · 9.30 k USD
  • Staff46%
  • Supplies38%
  • Other and depr.10%
  • Taxes6%
Gross margin by business line · January to September
JFMAMJJAS Services41%43%46%44%47%48%49%47%51% Products22%21%18%23%27%29%25%28%30% Projects33%15%24%31%38%26%34%39%42%
Sample Organisation, Lda. · fictitious dataPluriad · page 3
Management reportTap to enlarge

Sample pages with fictitious data. Client documents are confidential.

Confidentiality

Confidentiality at every stage.

  • Professional secrecyThe whole team and every contractor bound by confidentiality.
  • Non-disclosure agreementSigned before the review, if you prefer.
  • Controlled accessRole-based, removed the day they are no longer needed.
  • Nothing public without consentNames and cases only with the client’s written consent.
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