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Real Estate and Investment Due Diligence
Legal, planning and land-registry verification before paying a deposit, signing a contract or investing.
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Finance, Business Planning and Fractional CFO
Bank-Ready Planning
Translating business vision into precise financial models, investment studies and strategic financial leadership.
What We Do
- Investment programs, business plans and feasibility studies in bank-ready formats.
- Cash flow and balance sheet projections, break-even analysis.
- Fractional CFO support for growing companies.
- Defining KPIs and management reporting dashboards.
- Financial due diligence in M&A transactions.
How We Work
Step 01
Model, History and Goals
Analysis of the business, historical data and planned objectives.
Step 02
Integrated Financial Model
Preparation of the model, business plan or investment study.
Step 03
Negotiation Support
Preparing materials and supporting discussions with banks and investors.
Step 04
Monthly CFO Oversight
Ongoing financial management within the agreed scope.
Who is this service for?
- Companies preparing a business plan or investment programme for a bank
- Growth-stage companies without an internal finance function
- Investors reviewing the financial condition of a target company
- Owners preparing a sale or the entry of a partner
- Companies facing liquidity pressure and needing cash flow planning
- Projects that need a financial structure before investment
When and why
Business plans and investment programmes are most often prepared for a loan application or an investment decision. The credibility of such a document depends on whether the assumptions are tied to actual historical data and whether the projections are internally consistent.
Fractional CFO support is a solution for companies that need a finance function at the decision-making level, but not full-time: planning, cash-flow monitoring, reporting to owners, and preparing decisions.
Financial due diligence is carried out before an acquisition or an investor's entry and shows the real quality of earnings, the structure of liabilities, and the adjustments needed relative to the reported results.
Scope of support
- Business plans and investment programmes
- Financial projections and scenario models
- Cash flow and liquidity analysis
- Financial due diligence
- Financing structure and bank negotiations
- Reporting to owners and boards
- Key performance indicator (KPI) systems
- Support for investment and pricing decisions
Zirex expertise
Financial support draws on our audit and banking experience, including experience with the Basel 3 and IFRS 9 frameworks. As a result, projections and financial models are built on verifiable historical data and in a way that banks and investors can scrutinise, not just read.
Frequently asked questions
What does a business plan for a bank include?
A description of the business and market, historical financial data, clearly stated assumptions, projected balance sheet, income statement and cash flows, an investment and repayment plan, and a sensitivity analysis for changes in key assumptions. Banks primarily check whether the projections are tied to history and whether repayment capacity can withstand a less favourable scenario.
What is a fractional CFO?
It is a part-time chief financial officer engagement. The company gains planning, cash-flow management, reporting and decision-preparation at CFO level, without the cost of a permanent hire. The model is common among companies that have outgrown a purely accounting-based approach but do not yet justify a full-time role.
What is financial due diligence?
It is an analysis of a target company's financial condition before a transaction: quality of earnings, recurring versus one-off revenues, working capital, liabilities and contingent liabilities, related-party transactions and key risks. The result is a report used to inform the purchase decision, price adjustments, and contractual protection mechanisms.
What is the difference between an audit and financial due diligence?
An audit gives an opinion on whether the financial statements for a past period were prepared in accordance with the applicable framework. Financial due diligence is transaction-focused: it concentrates on the sustainability of results, working capital and the risks that affect the price and structure of the deal. The purpose, scope and users of the report differ.
Related services
Services most often combined with this one.
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Accounting, Payroll and Business Compliance
Timely, accurate and transparent books of account tailored to management, foreign owners and tax obligations.
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Tax Advisory and Transfer Pricing
Preventive identification of tax risk, lawful optimization and professional transfer pricing documentation.
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Let's talk about your goal in Montenegro
Describe your situation and we will propose a suitable audit, legal, tax or financial path.
We respond to inquiries within 24 hours on business days.
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