Integrated financial planning for SMEs

Integrated Financial Planning for SME's, Get on the scaling track!

With digitalisation, the demands on medium-sized businesses are growing. Those who do not want to be left behind must be flexible and react quickly and precisely to economic developments. Integrated financial planning leads the way.

Carry out integrated financial planning correctly – convince stakeholders

Why is integrated financial planning so important? Integrated financial planning is the central instrument for communication with lenders and the capital market and in this way makes controlling the backbone of corporate strategy. This is especially true for medium-sized companies, which are affected by strong changes in working capital, the difference between current assets and current liabilities, throughout the year. Working capital is therefore the indicator of a company’s solvency.

What exactly does integrated financial planning mean?

Integrated financial planning is a closed system of the profit and loss account (P&L) as well as the balance sheet and liquidity statement. All areas interlock logically. Silo thinking is taboo in integrated financial planning. An isolated consideration of individual planning elements such as the income statement is common in practice, but it does not lead to the desired results. This is because integrated financial planning is particularly suitable for being prepared for possible times of crisis and therefore also for convincing stakeholders. This requires a more integrated approach.

The 3 sub-areas of integrated financial planning

Success planning

Profit planning is basically nothing other than the profit and loss account. The determination of profit on an accrual basis is the goal.

Liquidity planning

Liquidity planning is made up of three segments: the cash flow from current business activities, i.e. the incoming and outgoing payments from the operative business. Added to this is the balance from investments, disinvestments and external financing. The total shows the cash-effective change in the financial resources fund.

The balance sheet

The balance sheet is divided into assets and liabilities. The so-called balance sheet equation applies here: assets and capital are always equal. The term balance sheet is also often used as a synonym for the annual financial statement. Therefore, when the term balance sheet analysis is used, it also refers to the analysis of the annual financial statements.

- bdg insights

Key figure systems facilitate long-term success and financial planning

Most small and medium-sized enterprises can often only present a one-year profit plan. Sometimes this is supplemented with a separate liquidity forecast, but especially in crisis situations this often leads to incorrect measures and statements.

Running through best-case and worst-case scenarios

Only by running through different variants with different planning premises is it possible to approximate probable scenarios / realistic scenarios. Therefore, quick alternative calculations and scenarios for unforeseen events with KPI systems are important in order to react to changed framework conditions as quickly as possible. Effects on the KPIs earnings and liquidity are immediately recognisable.

Business Intelligence Modell

Is MS Excel sufficient for integrated financial planning?

Mostly, people still work with MS-Excel in controlling, because the programme is learned. However, Excel is not fully suitable as a controlling tool for integrated financial planning. The error rate is high. Automated target/actual comparisons are only possible with a great deal of work, if at all. The mapping of individual cases is time-consuming. But it is precisely the mapping of individual cases that is needed to make better decisions quickly and flexibly today.

What can Business Intelligence software do?

With integrated financial planning, intelligent software tailored to the company enables everything to flow together: from income, expense and liquidity planning to the cash flow statement. The result is a transparent set of figures that provides the basis for quick business decisions.

- bdg insights
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Intelligent inventory optimisation with Board 

The clothing division alone has hundreds of thousands of SKUs, making inventory management extremely complex. Efficiently managing the flow of goods therefore requires a highly flexible and reliable processes and software. With Board and bdg, Sainsbury found the ideal solution to optimise inventory management.

Restaurant planning  at KFC

Good planning is crucial for business success. This is especially true in the fast-food business, where speed of response and quick adaptation to changing consumer trends are essential. As the business grew, so did KFC’s restaurant planning requirements, which meant that the Excel-based planning system was soon unable to keep pace with growth and needed to be replaced with a more powerful solution.

Driver-based Profit and Loss Account with STRATO

STRATO and bdg jointly developed the concept for the implementation of a BI/CPM solution for controlling. Board was chosen as the software; the intuitive and user-friendly design of the application was particularly decisive, enabling it to be used as a self-service BI.

Zalando Category Planning

The classic Excel-based planning process for merchandise planning reached its limits with the constant growth of Zalando, Europe’s largest online platform for fashion. Too time-consuming, error-prone and not very homogeneous: Merchandise planning was no longer in line with the dynamic business environment and was in danger of completely losing sight of important key factors in an overly sluggish planning process.
Zalando relied on bdg to implement a complex solution in Jedox for merchandise planning.
The result: the planning time and effort were radically reduced and the quality of the planning was significantly increased.


In einer Live-Demo zeigen wir Ihnen eine hochwertige Lösung auf Basis von bdg ONE. Gern besprechen wir vorab Ihre konkreten Anforderungen.

In der Live-Demo:

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  • Wie bdg eine BI-/EPM-Lösung individualisiert
  • Features, die bdg speziell für Ihre Branche entwickelt hat
  • Wie ein typisches Projekt mit bdg abläuft

Wählen Sie einfach einen Termin; Sie erhalten Zugang zu einem digitalen Meeting-Raum – ein bdg-Mitarbeiter wird Sie dort begrüßen.