Best/Base/Worst.
Rolling forecast.
Initial build.
Reforecast.
Critical Problems We Solve
Effective financial management isn't just about balancing books; it's about removing the friction points that stall your business growth.
No financial visibility for the year ahead
Inability to measure performance against targets
Poor investor or lender presentations
Hiring or spending decisions made without data
Zero-Based Budgeting
Traditional budgeting takes last year's numbers and adds a percentage. Zero-based budgeting starts from scratch, forcing you to justify every Rand of expenditure.
We recommend this approach for businesses that have grown quickly and suspect inefficiencies. It's more work upfront, but the savings can be dramatic.
- Justify every expense
- Eliminate waste
- Fresh-start approach
- Dramatic cost savings
Scenario Planning
What happens if you lose your biggest client? What if the Rand weakens 10%? What if you win that tender?
We build 3 scenarios into your financial model so you can see the financial impact of key risks and opportunities before they happen.
- Best case modelling
- Worst case stress testing
- Key variable sensitivity
- Decision triggers
Break-Even Analysis
Every business owner should know their break-even point — the amount of revenue needed to cover all fixed and variable costs.
We calculate this precisely, showing you how many units, projects, or hours you need to sell to stop losing money and start making a profit.
- Fixed vs variable cost split
- Contribution margin analysis
- Revenue target setting
- Pricing strategy input
Who Is This For?
- Business owners preparing for a new financial year
- Companies seeking bank finance or investors
- Boards requiring strategic financial planning
- Start-ups projecting runway and break-even
Engagement Requirements
- Historical financial statements (2-3 years)
- Revenue pipeline or sales targets
- Planned capital expenditure
- Staffing plans
Deliverables & Results
- Annual Operating Budget (Revenue & Expenditure)
- Departmental or Branch Budgets
- Revenue Forecast (12-month rolling)
- Break-even Analysis
- Scenario Planning (Best / Base / Worst case)
South African Compliance Context
"Creations transformed how we handle SARS. No more compliance anxiety."
Trusted Resources
Our Operational Methodology
A structured, 5-step approach designed for precision and clarity.
We analyze your historical financial data (2-3 years) to identify trends, seasonality, and cost structures.
We collaborate with you to set realistic revenue targets and expense limits for the coming year.
We build a financial model with 3 scenarios (Best, Base, Worst) to stress-test your plan.
We integrate the budget into your monthly management accounts for ongoing variance analysis.
Professional Insights
Companies with budgets grow 30% faster than those without because they make proactive decisions instead of reactive ones.
The most useful part of a budget is not the numbers — it's the *conversation* about what's realistic and what's not.
A 3-scenario model (Best/Base/Worst) protects you from optimism bias and prepares you for downturns.
Common Questions
Everything you need to know about our budgeting & forecasting service.