Enter your data

The business plan will appear in the next sheet

Enter your data in the green cells only :

Your surname and first name :

Name of your project or activity : Describe your activity
Your legal status : For example : Ltd company
Your phone number :
Your e-mail adress :
Your city :
Your currency : Example : Euro, franc CFA…
Corporate tax rate : % only

1) Setting up the business :

List all the expenses and investments to be made before creating the company, exclusing VAT.
Amount
Business registration
Software
Training
Patent, trademark and design rights
Franchise fees, entry fees
Acquisition of business goodwill
Leasehold rights
Lease deposit and advance rent
Application fee
Solicitor and accountant fees
Advertising, first promotion costs
Office purchase
Restoration works
Equipment, tools, vehicles
Office equipment
Raw materials and supplies
Cash for working capital, additional cash
TOTAL -

Depreciation period : 5 (mandatory input ; useful life of capital assets, in years)

2) Start up capital :

Amount
Personal contribution
Family money (enter rate) (enter duration in MONTHS)
Bank borrowing #1
Bank borrowing #2
Bank borrowing #3
Subsidy
Subsidy / subvention
Other funding
TOTAL -

3) Expenses : 0.00
List your recurring expenses, excluding VAT.

Year 1 Year 2 Year 3

Insurance
Postage, telephone, internet
Subscriptions
Motor vehicule expenses
Travel expenses
Electricity, water and gas
Transport/courier cost
Stationery
Repairs and maintenance
Cleaning
Advertising
Rent
Accounting / legal fees
Bank charges
Taxes
Other expenses (write below) :
Sundries

TOTAL - - -

4) Sales for the first year :

Enter sales volume for the first year (excl. VAT).

Number of days Average turnover Monthly Number of days Average turnover Monthly
Year 1 - Sale of goods worked per day turnover Year 1 - Sale of services worked per day turnover
Month 1 20 - Month 1 20 -
Month 2 20 - Month 2 20 -
Month 3 20 - Month 3 20 -
Month 4 20 - Month 4 20 -
Month 5 20 - Month 5 20 -
Month 6 20 - Month 6 20 -
Month 7 20 - Month 7 20 -
Month 8 20 - Month 8 20 -
Month 9 20 - Month 9 20 -
Month 10 20 - Month 1020 -
Month 11 20 - Month 1120 -
Month 12 20 - Month 1220 -
TOTAL - TOTAL -

Percentage increase of turnover from year 1 to year 2 : 5% Percentage increase of turnover from year 1 to year 2 : 5%
Percentage increase of turnover from year 2 to year 3 : 5% Percentage increase of turnover from year 2 to year 3 : 5%

5) Variable costs :
Variable costs are corporate expenses that vary in direct proportion to the quantity of output. Unlike fixed
costs, which remain constant regardless of output, variable costs are a direct function of production
volume. Examples of common variable costs include raw materials, packaging, distribution costs...

What is the cost of goods sold, expressed as a percentage of the sell price ? 50% (only concerns sale of GOODS)
6) Working capital :

Average duration of customer credits (expressed in days) 30 How many days after performing the service will the client pay ?
Average duration of supplier liabilities (expressed in days) 30 How many days after receiving the invoice will you pay your suppliers ?

7) Employees' wages and manager's compensation

Year 1 Year 2 Year 3

Employees' wages (net) (enter annual amount)
Employees' social insurance (enter annual amount)
Year 1 Year 2 Year 3
Manager's compensation (net) (enter annual amount)
Manager's social expenses (enter annual amount)

8) Check your break-even point :

First year
Your business seems : Non profitable Please revise figures

9) Check your cash position :

First year Need Excel password for this document ? Click here
Have you planned for sufficient cash to start-up your business ? Yes

10) Preview and print your 3-Year Financial Plan : see next sheet
Any remark about this document ? Please send us an e-mail : contact@wikicrea.fr
 Information
Support
Consulting

www.creerentreprise.fr

3-Year Financial Plan

1/25/2020

This financial plan template is offered by WikiCrea (www.creerentreprise.fr) 1

 Set-up Costs and Funding

Project :
Project holder :

Amount
SET-UP COSTS excl. taxes

Setting up the company -

Business registration
Software
Training
Patent, trademark and design rights
Franchise fees, entry fees
Acquisition of business goodwill
Leasehold rights
Lease deposit and advance rent
Application fee
Solicitor and accountant fees
Starting operations, premises and equipment -
Advertising, first promotion costs
Office purchase
Restoration works
Equipment, tools, vehicles
Office equipment

Raw materials and supplies

Cash for working capital, additional cash
TOTAL NEEDED -

Amount
FUNDING excl. taxes

Capital deposit -
Personal contribution -
Family money -
Borrowing Rate Duration (months) -
Bank borrowing #1 -
Bank borrowing #2 -
Bank borrowing #3 -
Subsidy -
Subsidy / subvention -
Other funding

TOTAL RAISED -

Currency : 2
 Wages and Social Expenses

Project :
Project holder :

Legal status :

Year 1 Year 2 Year 3

Manager's compensation - - -
% increase
Manager's social expenses - - -

Employees' wages - - -
% increase
Employees' social insurance - - -

Amortization / Depreciation

Year 1 Year 2 Year 3

Amortization of intangible assets 0.00 0.00 0.00

Business registration 0.00 0.00 0.00

Training 0.00 0.00 0.00
Franchise fees, entry fees 0.00 0.00 0.00
Application fee 0.00 0.00 0.00
Solicitor and accountant fees 0.00 0.00 0.00

Depreciation of long-live assets 0.00 0.00 0.00

Advertising, first promotion costs 0.00 0.00 0.00

Office purchase 0.00 0.00 0.00
Restoration works 0.00 0.00 0.00
Equipment, tools, vehicles 0.00 0.00 0.00
Office equipment 0.00 0.00 0.00

Total Amortization / Depreciation 0.00 0.00 0.00

Currency : 3
 3-Year Profit & Loss Projection

Project :
Project holder :
Year 1 Year 2 Year 3

Sales - - -
Sale of goods - - -
Sale of services - - -
Cost of sales - - -
Cost of goods sold - - -

Gross profit - - -
Operating Expenses - - -
Insurance - - -
Postage, telephone, internet - - -
Subscriptions - - -
Motor vehicule expenses - - -
Travel expenses - - -
Electricity, water and gas - - -
Transport/courier cost - - -
Stationery - - -
Repairs and maintenance - - -
Cleaning - - -
Advertising - - -
Rent - - -
Accounting / legal fees - - -
Sundries - - -
- - -
- - -
Employees' wages - - -
Employees' social insurance - - -
Manager's compensation - - -
Manager's social expenses - - -
EBITDA - - -
Taxes - - -
Bank charges, interest on borrowings - - -
Depreciation charges - - -

Net profit or loss - - -

Net profit or loss after corporate tax - - -

Currency : 4
 Intermediate operating totals

Project :
Project holder :

Year 1 % Year 2 % Year 3 %

Sales - 100% - 100% - 100%

Sales, production - 100% - 100% - 100%
Cost of goods sold - #DIV/0! - #DIV/0! - #DIV/0!
Overall margin - #DIV/0! - #DIV/0! - #DIV/0!
External charges - #DIV/0! - #DIV/0! - #DIV/0!
Wages and social expenses - #DIV/0! - #DIV/0! - #DIV/0!
EBITDA - #DIV/0! - #DIV/0! - #DIV/0!
Taxes - #DIV/0! - #DIV/0! - #DIV/0!
Bank charges, interest on borrowings - #DIV/0! - #DIV/0! - #DIV/0!
Depreciation charges - #DIV/0! - #DIV/0! - #DIV/0!
Net profit or loss - #DIV/0! - #DIV/0! - #DIV/0!
Net profit or loss after corporate tax - #DIV/0! - #DIV/0! - #DIV/0!
Self-financing capacity - #DIV/0! - #DIV/0! - #DIV/0!

Self-financing Capacity

Year 1 Year 2 Year 3

Net profit or loss after corporate tax - - -

+ Depreciation charges - - -
Self-financing capacity - - -
- Maturities of borrowings - - -
Free cash flow - - -

Currency : 5
 Break-even point

Project :
Project holder :

Year 1 Year 2 Year 3

Sales, production - - -
Cost of goods sold - - -
Total cost of sales - - -
Contribution margin - - -
Margin on variable costs 0% 0% 0%
Fixed costs - - -
Total expenses - - -
Net profit or loss - - -
Break-even point - - -
Excess / Deficiency - - -
Break-even point (sales target per working day) - - -

Working capital

delay working days

Year 1 Year 2 Year 3
Customers
Amount of trade receivables 30 - - -
Suppliers
Amount of trade payables 30 - - -
Working capital - - -

Currency : 6
 3-Year Financing Plan

Project :
Project holder :

Year 1 Year 2 Year 3

Fixed assets -
Opening stocks
Working capital requirement - - -
Maturities of borrowings - - -
Total needed - - -
Capital deposit -
Borrowings -
Subsidies -
Other funding
Self-financing Capacity - - -
Total raised - - -
Balance - - -
Cash position - - -

Opening cash position :

Currency : 7
 Cash flow forecast (part 1)

Project : Excl. VAT

Project holder :

First year

Month 1 Month 2 Month 3 Month 4 Month 5

Capital deposit -
Borrowings -
Subsidies -
Other funding
Sale of goods - - - - -
Sale of services - - - - -
Sales (total) - - - - -
Intangible assets -
Long-live assets -
Fixed assets (total) -
Opening stocks
Maturities of borrowings - - - - -
Cost of goods sold - - - - -
External loads - - - - -
Taxes - - - - -
Employees' wages - - - - -
Employees' social insurance - - - - -
Manager's compensation - - - - -
Manager's social expenses - - - - -
Total wages and social expenses - - - - -
Bank charges, interest on borrowings - - - - -
Total outgoing - - - - -
Total incoming - - - - -
Balance previous month - - - - -
Monthly balance - - - - -
Closing cash position - - - - -

Currency : 8
 Cash flow forecast (part 2)

Project : Excl. VAT

Project holder :

Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 TOTAL

-
-
-
-
- - - - - - - -
- - - - - - - -
- - - - - - - -
-
-
-
-
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
-

Currency : 9
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