For SMEs
A CFO for your SME, without a full-time hire
A CFO for an SME is an experienced finance lead you hire part time, often called a fractional or outsourced CFO. Your accountant looks back at what happened; a fractional CFO looks ahead with the owner: cash flow, margins, budget and investments. You only pay for the time your company actually needs, often starting at one day a month.
Recent result: insight into billability and profit per project at a consultancy firm. 10+ years of experience, 30+ founders and owners supported in Belgium.
Sound familiar?
- You have plenty of numbers, but little insight into what they mean
- You don't know exactly which customers, products or projects make money
- Cash flow feels unpredictable and you only see shortfalls when they hit
- Decisions on pricing, hiring or investments are made on gut feeling
- Your bank or partners ask for a financial plan you have to build yourself
What I do for SMEs
Budget, forecast and cash flow
A budget and cash flow forecast you review monthly, so you see shortfalls months ahead.
Related serviceMargin per customer, product or project
A dashboard that shows where you make money and where you don't, updated automatically.
Related serviceA sounding board for big decisions
An independent view on investments, pricing and business cases before you decide.
Related serviceFinancing and grants
A financial plan that convinces your bank, plus a view on grants such as VLAIO.
Related serviceFrequently asked questions
Does an SME need a CFO?
Not full time. Most SMEs do need CFO expertise at key moments: during growth, an investment, a bank loan or when margins are under pressure. A fractional CFO gives you that expertise at a fraction of the cost of a full-time hire.
What is the difference between an accountant and a CFO for my SME?
Your accountant keeps the numbers correct and handles tax, looking back. A CFO uses those numbers to look ahead: forecast, margins, cash flow and strategic choices. The two work side by side.
How much time does a part-time CFO spend on an SME?
It depends on your needs. At Monastrell an engagement starts from one day a month, on a weekly or monthly rhythm. After a quick scan we set the right frequency together.
Do you only work in Antwerp?
Monastrell is based in Antwerp and works with SMEs across Flanders and Belgium, on site and remotely.