Step back, see further and reach new heights.

There is no single threshold. The need arises when questions of profitability, cash or investment become hard to handle alone, or when the business changes scale. Part-time support addresses this without creating a full-time position.

The experience of a seasoned finance leader: interpreting results, tracking margins and cash, budgeting, preparing decisions and bank meetings. You stay in charge of the business, with a structured financial perspective by your side.

A hire makes sense when the business needs a daily presence, a finance team to manage and a large volume of transactions. Until then, a fractional CFO brings the same expertise for a fraction of the cost. They can also lay the groundwork: structure tools and processes, then help recruit your future CFO.

We team up with your CFO to complement their expertise: challenging flows or processes, leading a specific project, carrying out a dedicated analysis, taking stock with a Financial Health Check or setting up reporting. Our work adds to their role; it does not replace it.

Yes. We can back your team on specific topics (budget, closing, profitability analysis), help it set up new tools or processes, or pass on financial management methods. The goal is for your team to become more self-sufficient.

Your accounting firm produces reliable accounts and handles your legal obligations: it looks at the past. The CFO uses those accounts to manage the future: budget, cash, profitability by business line, decision support. We work closely with your accounting firm.

Not as a replacement. Our work is designed to complement your accounting firm's services. We work with a network of partner accounting firms and can put you in touch. If your need is specific, let's talk: we will assess your needs and make you a tailored proposal.

The Financial Health Check is a complete review of your situation: cash, margins, profitability by business line, past fiscal years and the current situation. It ends with a structured report, with key points to watch and recommendations, delivered within five to seven business days. It is often a good starting point, with no commitment to ongoing support.

Cash getting tight despite healthy activity, customers taking longer to pay, margins slipping without a clear explanation, numbers available too late to make decisions. Taken alone, none of these signs is alarming; together, they justify taking stock with a Financial Health Check.

Net income is not always enough. We analyze profitability by business line, customer, product or site, depending on what matters to you. You know exactly where you make money and where you lose it, to guide your pricing, cost and organizational decisions.

There are several possible causes: prices that have not kept up with rising costs, business lines that are growing but not very profitable, overhead rising faster than activity. Analyzing profitability by business line and reviewing unit costs shows where the margin is being lost.

Yes. We calculate your costs by product, service or project, then compare them with your selling prices. You identify the offerings that barely cover their costs and have a solid basis for adjusting your price lists, especially as purchase prices rise.

Cash often comes down to working capital: customer payment terms, inventory, supplier terms. We analyze these items, set up tracking of collections and payment reminders, and identify the quickest levers to free up cash.

This is common in a growing business: customers pay later than you pay your suppliers and salaries, inventory builds up, investments absorb cash. A cash flow forecast and a working capital analysis show where the money goes and help you plan ahead.

Yes. We prepare next year's budget and a month-by-month cash flow forecast with you. You anticipate tight periods, financing needs and the effect of your investment decisions. The file belongs to you and can be updated by your teams.

Yes. We define the useful KPIs with you, then set up monthly reporting: results, comparison with budget, cash, key points to watch. We can produce it as part of a package, or hand it over to your team once it is in place.

Well-managed growth rests on a few fundamentals: a budget, a cash flow forecast, monthly reporting and KPIs reviewed regularly in meetings. We put these in place step by step, starting from what already exists, so that growth decisions are based on reliable numbers.

It depends on the quality of your data and systems. The Financial Health Check, delivered within five to seven business days, sets out a realistic action plan and timeline. Financial management is then built step by step, starting with the most useful KPIs.

Every situation is different. We take the time to discuss it with you to understand what is at stake and define the most suitable support: cash analysis, action plan, preparation of discussions with the bank or partners.

Yes. We prepare with you what the bank expects: analyzed accounts, forecast, financing plan and an explanation of the project. On request and based on a quote, we can also attend meetings with your banks and financial partners.

The bank mainly looks at your ability to repay: debt level, equity, operating income, cash and cash flow forecast. It also values the quality and regularity of your financial information. Preparing these elements in advance makes the discussion easier and strengthens your credibility.

We handle the financial side: structuring the accounts, business plan and valuation proposal. We work alongside the M&A or succession professional advising you, so that the financial documentation is clear and robust.

Essential sets up a recurring CFO role: monthly memo, tracking file updated every month, financial review by video call and availability by messaging. Premium is for more complex situations, such as several entities to consolidate, a major financing project or a reorganization, with custom analysis and deliverables.

Yes, on request and case by case. This is then a board seat, with the legal responsibility it involves. Lighter involvement on an advisory board is also possible, for example once a quarter. We accept each appointment based on how it fits our availability and expertise.

Yes, from a CFO perspective. We can handle on site the reporting the parent company expects, provide strategic financial guidance to the subsidiary or structure its financial management, in coordination with the group's finance department.

Yes. We set up dashboards tailored to each business, its KPIs and its data. This ranges from an Excel file, for ease of use, to dynamic Microsoft Power BI dashboards, refreshed automatically at a frequency that depends on how your systems are set up.

Yes. The tool matters less than what goes into it: choosing the KPIs that really matter for your business, defining them correctly and linking them to your decisions takes CFO experience and business knowledge. We work with various tools such as Tableau, Qlik, Looker Studio, Excel, Google Sheets or your ERP's analytics modules.

When the numbers are already available in your accounting software or ERP, that is good practice, and we start there. As soon as calculations are needed (margins, ratios, inventory turnover, cost accounting), they are usually done in an external tool, from the simplest, like Excel or Google Sheets, to the most advanced, like Microsoft Power BI. Together, we choose the simplest solution that meets your needs.

No. We adapt to any accounting software or ERP. We work with the data from your current system; if a change could help you, we will let you know, without imposing it.

Yes. Many recurring tasks can be automated: data extracts, adjustments, formatting, answering leadership's requests for numbers. We identify the most time-consuming ones and put in place solutions suited to your tools. This frees up your teams' time for analysis.

Our terms and conditions include a confidentiality obligation during the engagement and for five years after, indefinitely for trade secrets, as well as compliance with the Swiss Federal Act on Data Protection. We work with secure professional tools and limited access, and our files, email and video calls are hosted in Switzerland. At the end of the engagement, the documents we received are returned or destroyed at your request.

The fee depends on the scope, how often we work together and the complexity of your organization, for example the number of entities. We prepare a tailored proposal after a first conversation.

No. Our mandate agreements have no minimum term and can be terminated at any time, in accordance with the Swiss Code of Obligations. The terms are set out in our terms and conditions and in the contract.

Yes. We work on site in the cantons of Fribourg, Neuchâtel and Vaud, and occasionally in Geneva, Valais and Jura. For companies in German-speaking Switzerland, Graubünden or Ticino, as well as in France and internationally, we work remotely, in French or English.

We discuss your business, your goals and your main challenges. This conversation helps assess your needs and determine whether working with TMJ advisory makes sense.