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
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
| Line | 2027 | 2028 | 2029 | 2030 | 2031 |
|---|---|---|---|---|---|
| Revenue | 180 | 265 | 340 | 410 | 470 |
| Cost of sales | −101 | −140 | −173 | −205 | −231 |
| Gross margin | 79 | 125 | 167 | 205 | 239 |
| Staff | −34 | −41 | −47 | −53 | −59 |
| Other operating costs | −23 | −26 | −28 | −31 | −34 |
| EBITDA | 22 | 58 | 92 | 121 | 146 |
| Depreciation | −33 | −33 | −33 | −28 | −24 |
| Interest | −27 | −25 | −21 | −16 | −11 |
| Net result | −38 | 0 | 29 | 58 | 83 |
Sources and uses · 280 k USD
Uses
Equipment 165Works 70WC 45
SourcesExternal 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
| Indicator | 2027 | 2028 | 2029 | 2030 | 2031 |
|---|---|---|---|---|---|
| EBITDA margin | 12% | 22% | 27% | 30% | 31% |
| ROE | −34% | 0% | 27% | 39% | 38% |
| DSCR | — | — | 1.6× | 2.2× | 2.9× |
| Net debt / EBITDA | 6.4× | 2.2× | 0.9× | 0.1× | net cash |
| Equity ratio | 35% | 35% | 45% | 60% | 74% |
| Break-even revenue · k USD | 267 | 265 | 263 | 256 | 252 |
Sample Organisation, Lda. · fictitious dataPluriad · page 14
Strategy consulting and outsourced finance
Strategic Thinking.
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.
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 · v1.001Executive 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
| Line | Sep. | Budget | Var. | YTD |
|---|---|---|---|---|
| Revenue | 12.40 | 11.50 | +7.8% | 65.90 |
| Staff costs | 4.28 | 4.30 | −0.5% | 30.10 |
| Supplies and services | 3.57 | 3.20 | +11.6% | 12.40 |
| Other and depr. | 1.45 | 1.39 | +4.3% | 7.40 |
| Net result | 3.10 | 2.61 | +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
| Obligation | Due | Amount | Status |
|---|---|---|---|
| VAT · general regime | 15.10 | 1.12 k | Paid 14.10 |
| Payroll tax (IRT) · group A | 10.10 | 0.46 k | Paid 09.10 |
| Social security · INSS | 10.10 | 0.47 k | Paid 09.10 |
| Withholding tax · services 6.5% | 15.10 | 0.09 k | Paid 14.10 |
| E-invoicing · sign-up and testing | 15.12 | — | In progress |
Decisions proposed to management
| # | Decision | Impact | Owner | Due |
|---|---|---|---|---|
| 1 | Collect from the 3 clients over 60 days | +1.0 k USD | CFO | 31.10 |
| 2 | Renegotiate the energy contract | −0.25 k USD/month | Management | 30.11 |
| 3 | Defer the vehicle purchase to week 11 | Protects the reserve | Management | wk 9 |
PreparedPluriad · 08.10ReviewedCertified accountant · 09.10ApprovalManagement
Sample Organisation, Lda. · fictitious dataPluriad · page 1
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
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.
/Services
Services with a fixed scope
and clear deliverables
Our method
and way of working
Four steps, always the same, for every organisation we serve. From day one you know what's included and when you'll receive it.
Review
30 minutes, free of charge. We look at what works, what is missing and what is due first. You leave with a priority list, even if you don't work with us.
Organisation
Documents, accounts, taxes and contracts put in order, with clear deadlines and an owner for every task.
Delivery
We do the agreed work, whether a financial model, a long-term plan or managing the accounts. Every deliverable is reviewed by two people before it reaches you.
Decision
You receive the conclusions, risks and clear recommendations, with the numbers behind them. We discuss decisions in a short meeting.
Three areas, five services
with a fixed scope
Tap a service to see what's included.
01Monthly financial managementFinance leadership and management controlAccounting, taxes, social security, invoicing, reconciliation and monthly report.
- Chartered accountant
- Monthly taxes and social security
- Invoicing and collections
- Bank reconciliation
- Monthly report
- Digital archive
02Strategy and planningStrategy, plans and investmentStart, develop and grow the business, with numbers behind every decision.
- Business plans
- Feasibility studies
- Investment appraisal: NPV, IRR and payback
- External financing: banks, SOFR-linked facilities and development finance institutions
- Financial planning and capital structure
- Structuring new ventures
03Special projectsStrategy, plans and investmentLong-term plan (LTP), strategy and international business, with the numbers behind every decision.
- Long-term plan (LTP) and multi-year budget
- Strategy, scenarios and investment priorities
- Entering new markets and international business
- Partnerships, joint ventures and foreign investors
- Reporting to international funders
04Tax and legal complianceCompliance and financial organisationBring your organisation up to date with the tax authority and the law, in ten weeks.
- E-invoicing
- Beneficial ownership
- Accountant on the tax ID
- Data protection
- Contracts and powers of attorney
- Tax audits, objections and prior hearings
05Review and due diligenceCompliance and financial organisationAn honest picture before a loan, investor, sale or new partner.
- Reading the accounts
- Tax and labour risks
- Documentation gaps
- Action plan
Confidentiality
Confidentiality at every stage.
We work with an organisation's most sensitive information: accounts, salaries, contracts and taxes. That is why confidentiality is part of the service, not a clause.
Professional secrecy
The whole team and every contractor is bound by confidentiality. Accounts are signed by a certified accountant bound by the Order's code of ethics.
Non-disclosure agreement
If you prefer, we sign an NDA before the first review, before we see any document.
Data protection
We process personal data on the client's behalf and only for the agreed purpose, under Angola's Data Protection Law 22/11.
Controlled access
One folder per client, role-based access, removed the day someone no longer needs it.
Organised archive
Every document filed under a standard name and kept for the legal period. When we part ways, we return everything.
Nothing public without consent
Names, logos and cases only appear with the client's written consent. Numbers and documents, never.
Our commitment, in writing.Confidentiality, data protection and document ownership are part of the engagement letter every client signs.
/About us
About us
Pluriad
Pluriad — Serviços e Gestão de Negócios, Lda. is a boutique strategy and finance leadership consultancy based in Luanda, founded in 2023.
Why we exist
To bring the financial rigour of major projects to Angolan organisations: planning that withstands scrutiny, control that anticipates risks and reports that support decisions.
Leadership
Executive experience applied to demanding financial decisions.
Pluriad combines the closeness of a boutique consultancy with financial experience gained on highly demanding projects.
António AmaroManaging partner
13+years of financial experience
Profile
Finance professional with more than 13 years of experience in the energy sector, across project economics, investment, joint ventures, budget control and cost control.
Education and experience
MSc in Finance, postgraduate in Management Control and Corporate Finance and graduate in Accounting and Finance.
Method and principles
How we assure quality.
The same rules on every engagement, from the first review to the final report.
Contact
Let's talk.
Book a free 30-minute review. Tell us your organisation's name and what concerns you: we reply the same business day.
If you prefer, we sign an NDA before the review.
Phone+244 921 83 90 58
WhatsAppSend a message
Emailgeral@pluriad.net
AddressRua Gamal Abdel Nasser, Ingombota, Luanda View on map
CompanyPLURIAD — Serviços e Gestão de Negócios, Lda. · NIF 5001463640