STEERING, 06Aut. 10077274 · 142 Boulevard de la Pétrusse, Luxembourg

Financial planning in Luxembourg, budget, business plan and scenarios.

Financial planning projects your business over time: annual budget, multi-year business plan, financial model and scenarios, to prepare a fundraise, an investment or a succession.

In short

Financial planning (budget, business plan, financial model) is a quantified projection of the business: forecast income statement, balance sheet and cash flow, based on explicit assumptions and tested through scenarios. It serves internal steering and the dialogue with investors and banks.

Key takeaway

  • A good forecast rests on explicit, testable assumptions.
  • Scenarios matter as much as the central case.
  • A budget only has value when tracked with regular variance analysis.

Who this is for

  • Owners preparing a budget or a multi-year plan
  • Companies raising funds or seeking financing
  • Groups assessing an investment or an acquisition
  • Buyers and sellers building a takeover plan

What we do

  • Annual budget and in-year variance tracking
  • Multi-year business plan (P&L, balance sheet, cash)
  • Configurable financial model and sensitivity analysis
  • Scenarios (base, upside, conservative) and break-even points
  • Presentation materials for investors and banks

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Preparation checklist

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FAQ

Frequently asked questions

What is the difference between a budget and a business plan?
The budget covers the coming year in detail; the business plan projects several years and carries a strategic trajectory (growth, investments, financing).
Why use scenarios?
Because a single projection is fragile. Scenarios (base, conservative, upside) measure sensitivity to key assumptions and prepare decisions.
Is the forecast useful for a fundraise?
Yes. A clear financial model, with assumptions and scenarios, is expected by investors and banks; we also prepare the presentation materials.
Do you track results after the budget?
Yes, via management reporting: actual-vs-budget variance analysis is what gives the forecast its value.
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