Fractional CFO in Switzerland and internationally.

A fractional CFO is an experienced finance leader who works with your company part-time, at a pace you agree on together. You may also hear outsourced CFO, part-time CFO or outsourced finance function.

You get the experience of a seasoned CFO without funding a full-time position, which many startups and SMEs cannot afford or do not yet want to take on.

Yes, these terms describe the same role. “Fractional CFO” is the most common term in the startup world, “outsourced CFO” stresses that the person is not an employee, and “part-time CFO” describes the working pattern. In every case, an experienced finance leader fills the role part-time, for several companies.

It is the same role. CFO stands for Chief Financial Officer, the term used in startups and international groups. Depending on the company and the country, you will also see finance director or head of finance. In every case, this person manages the company's finances and prepares decisions with leadership.

You get the experience of a seasoned CFO without the cost of a full-time hire. The support adapts to your current needs, from a one-off engagement to ongoing financial management. You also gain an outside perspective, shaped by other companies and other industries, to challenge your numbers and your decisions.

We work with two main profiles: startups, from the idea stage to the first funding rounds, and SMEs or established businesses that want better control of their profitability and cash. Their challenges differ, which is why each profile has its own page on this site.

An interim CFO works full-time for a short period, often a few weeks or months, for example to cover a departure. A fractional CFO works part-time over the long term, at a pace suited to your needs.

TMJ advisory offers fractional support and one-off engagements, but not interim assignments.

Look at their background (industries, company sizes, responsibilities held), how they work and what they actually deliver: memos, dashboards, review meetings. Also check that they understand your stage of development and can work with your accounting firm and your tools. A first conversation shows whether the chemistry is there, which matters as much as skills.

Your accounting firm keeps the books and prepares the financial statements: it looks at the past and at legal obligations. A fractional CFO builds on those accounts to prepare for the future: budget, cash, decisions, relationships with investors and banks. We work alongside your accounting firm, not in its place.

No, our role complements your accounting firm's: it keeps the books and handles legal obligations, and we use that information to manage your finances and prepare your decisions. We work with a network of partner accounting firms and can refer you if needed. If your situation is specific, let's talk: we will look at your needs and make you a tailored proposal.

Both. A one-off engagement meets a specific need: Financial Health Check, budget, business plan or dashboard. Ongoing support takes the form of a monthly package defined by its deliverables. Many clients start with a one-off engagement before moving to ongoing support.

Yes. We build the annual budget and the resulting forecasts with you, based on your historical data and your business assumptions. You get a working file your teams can take over and keep up to date, together with a memo explaining the assumptions used.

Yes, from a finance leadership perspective. We can provide strategic financial guidance to the Swiss subsidiary, structure its financial management or handle on site the reporting the parent company expects. The reverse is also possible for a Swiss company expanding into France.

No. We work with whatever accounting software or ERP you already use. We start from your existing data, without imposing a new tool.

Yes. We design and build Microsoft Power BI dashboards connected to your accounting and management files. This service is available on its own or as part of CFO support.

No. We also work with Excel, Google Sheets, Tableau, Qlik, Looker Studio or the analytics modules built into your ERP. What matters is choosing the right KPIs for your business, whatever the tool.

Yes. Reports rebuilt by hand every month and repeated requests for numbers from leadership can often be automated. We start from your current tools to reduce the time spent producing numbers and leave more time to analyze them.

Confidentiality is built into our terms and conditions: it applies during the engagement, for five years after it ends, and indefinitely for trade secrets. We comply with the Swiss Federal Act on Data Protection (FADP) and, where applicable, the GDPR. Our tools are secure professional services with strong authentication and restricted access; our files, email and video calls are hosted in Switzerland. A separate non-disclosure agreement can be signed before the first detailed conversation.

The cost depends on your challenges, how often we work together and the complexity of your situation. Each engagement is based on a tailored proposal, prepared after a first conversation.

We do not bill a number of days per month. Our packages are defined by their deliverables: monthly memo, tracking file, financial review meeting, availability for your questions. You know exactly what you receive, however much time it takes to produce.

No. Our engagements are mandate agreements: under Swiss law, either party can end them at any time. The exact terms are set out in our terms and conditions and in the contract.

We work on site in the cantons of Fribourg, Neuchâtel and Vaud, and occasionally in Geneva, Valais and Jura. We also support companies remotely across Switzerland, in France and internationally: financial review meetings are held by video call.

Yes. We also work with companies in the rest of Switzerland. The work then mainly takes place by video call, with occasional visits when useful. We work in French and English.

Yes. We work with clients in both French and English, in Switzerland and remotely across France and internationally.

We take the time to understand your situation, your goals and your questions. By the end of the conversation, you will know whether and how TMJ advisory can support you.