Financial management
Financial management: the useful reading grid for managers
Budget, cash, margin, WCR, debt and arbitrations: how to structure real financial management in SMEs in 2026.
Samuel HAYOT29 Dec 2025
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97 articles in this category
Budget, cash, margin, WCR, debt and arbitrations: how to structure real financial management in SMEs in 2026.
Hotel, rental, ecommerce, VSE: how the banking footprint works and what points to secure in 2026.
Payment deadlines, customer credit, reminders, risk of default and cash: the fundamentals of credit management in a European environment.
CAPEX is more than a balance sheet line. Every investment decision drives future depreciation, cash flow, and financing capacity simultaneously. This guide covers the calculation formula, CAPEX vs OPEX, balance sheet impact, free cash flow, and the most common mistakes SMEs make before signing a purchase order.
Assets, liabilities, equity... Learn to read and understand your company's balance sheet very simply to use it as a management tool.
Pro card, expenses, benefits, fees, management and limits: how to evaluate American Express Pro in 2026.
Revenue, costs, margin and scenarios: how to build a useful forecast income statement in 2026.
Accounting, audit and financial steering form a system, not three separate silos. Rigorous accounting data, organised controls, actionable indicators and a rapid close: this article details the role of each component and the method for building coherent financial governance.
France's simplified judicial liquidation allows small businesses facing insolvency to close in six months. Eligibility thresholds, procedural steps, director liability and prevention alternatives — expert analysis by Cabinet Hayot Expertise, Paris.
DSO, DPO, factoring, reverse factoring, shareholder current account: 9 operational levers to reduce your Working Capital Requirement and secure your cash flow without taking on bank debt. 2026 guide by Cabinet Hayot Expertise, Paris.
A complete method for structuring monthly and quarterly financial reporting: P&L/balance sheet/cash flow content, recipients, Pennylane/Finthesis/Pigment tools, closing calendar and practical cases for SMEs, startups and groups.
Monthly dashboards, core KPIs, digital tools (Pennylane, Finthesis, Pigment), 13-week cash flow plans and fractional CFO: the complete methodology for SME financial steering in France in 2026, by Hayot Expertise in Paris.
Revenue vs target, gross margin, EBITDA, working capital requirement and net cash: the five financial KPIs every French SME should track monthly to manage performance, anticipate cash tensions and work effectively with an outsourced CFO.
Gross burn, net burn, runway calculation, 2026 benchmarks and a 90-day action plan to extend your startup runway in a tighter funding environment — by Hayot Expertise in Paris.
Revenues, expenses, intermediate management balances, EBITDA: how to read a 2026 French income statement under the new ANC 2022-06 chart of accounts.
Our articles provide general guidance. A discovery meeting with Samuel HAYOT allows us to analyse your specific case.