Share the details

Financial reports and CFO packs with the verdict first.

The Client shares the ledger and the period. Zatra Consultants returns the report with the verdict and conditions on page one, the ratios and an action list, on the reporting basis that applies: IFRS, IAS, IPSAS with TFRS 1, or FRSME for micro-entities.

139business packs
19reports in each
28collections
Set by scopeTimeline
Finished work

The standard, shown whole.

Finished work for fictional companies, shown whole. Select a page to enlarge it and step through the set. Specimens are not sold.

Farmers SACCOS
Restaurant and catering
LPG distribution
Maize milling
Transport and logistics
Sunflower oil pressing
Freight forwarding and clearing agent
Sand and gravel dredging
Water and sanitation

Open all 139   The catalogue, page by page

Worries and relief

The worry first, then the relief.

What the Client is worried about, and what the finished document carries to answer it.

Worry

Profit on paper, no cash on Friday.

Relief

A live cash liquidity and runway tracker among the 19 reports, tested against the owner's own budget.

Worry

The lender or board has ten minutes.

Relief

A Lender and Board Brief of about ten pages: verdict, ratios, KPIs, valuation and the 90-day plan.

Worry

The owner does not know what the business is worth.

Relief

A five-year DCF, sector multiples and net assets, blended into a range with the levers that move it.

Worry

Problems nobody has noticed yet.

Relief

A ranked list of hard-to-spot issues, each with a number, a score and a named report.

What the reader checks

Built for the reader who decides.

  1. Opens the documentThe verdict or the answer sits on page one.
  2. Checks the evidenceEach figure traces to a dated source.
  3. DecidesApprove, revise or decline, with the reason in hand.
A complete pack, four files
  • The report pack, coloured cover, 45 pages
  • The same pack with a white cover for printing and filing
  • The Lender and Board Brief
  • The CFO model in Excel with a check against the report
The verdict
  • STRONG, WATCH or ACT NOW
  • Worked out from cash, debt service cover and net margin in the downside case
  • The same tests for every business
Rejections handled

Where documents get turned down.

Rejected byA credit committee or board
The reason given

No time to read the full report.

The finished document carries
  • A verdict on the downside case, hard-to-spot issues, ratios, a five-year valuation and a ten-page Lender and Board Brief
Details in

What the Client shares.

Documents that must prove something. Where real data is not yet available, the data is gathered first and the timeline follows it. The written quote states the date for the scope agreed.

  1. Details inOne short form
  2. Zatra checksSources and figures
  3. NEMBO designsOne identity
  4. DeliveredEditable and print files
The Client shares
  • The ledger or trial balance for the period
  • Bank statements and debt schedules
  • The entity type, so the reporting framework is set
  • The decision the report supports
What this is not
  • A CFO pack is an illustrative management estimate. It is not an audit, an assurance report or a valuation.
What comes back

Itemised, not described.

Verdict and conditions

A one-page verdict with the conditions that would change it.

Ratios and action list

The tests behind the verdict, with the actions that move them.

Reporting basis named

The report states whether IFRS with IAS, IFRS for SMEs, IPSAS with TFRS 1, or the micro-entity standard (FRSME) applies.

Management summary

A short summary for the owner or the board.

Excel working file

Live formulas, so the Client can follow each figure back to the ledger.

The difference

Others, do it yourself, or Zatra and NEMBO.

The same document, three ways to get it.

Other providersDo it yourselfZatra and NEMBO
VerdictA narrativeA spreadsheetSTRONG, WATCH or ACT NOW on the downside case
IssuesListed in a paragraphNot seenA ranked list, each with a number and a named report
ValueNot coveredGuessedFive-year DCF, multiples and net assets, with the range
BasisNot statedNot statedIFRS with IAS, IPSAS and TFRS 1, and the micro-entity standard (FRSME) where it applies, named on the page
BriefThe full reportThe full reportA ten-page brief for the ten minutes before the committee

Time, cost and sales figures are service targets set against the Client's own baseline and stated in the written quote. They are not guarantees.

Timeline, By scope
Set by scope

Set by the evidence.

From the ledger supplied and the period covered. The written quote states the date.

Cooperation

Advisers keep their clients.

Accountants, lawyers, consultants and agencies can refer this work, share it or hand over the part that does not fit, so the Client is served and nobody competes for the brief.

The partner desk
Brief

Share the details, receive the document.

Zatra Consultants Limited authors the content and checks the figures. NEMBO designs and delivers. The reply carries the written quote and the delivery time.

Zatra Consultants Limited: zatra.co. Tax and compliance advisers behind the reporting basis.

Share the details

Name, a way to reply and what the document is for. The written quote and the delivery time come back to the contact given.

Questions

Questions about financial reports.

Which standards are used?

The report names its basis according to the entity: IFRS with IAS, IPSAS with TFRS 1, or FRSME, the micro-entity standard.

Is it an audit?

No. An audit or assurance report is a separate engagement by a registered auditor.

Can the pack be recurring?

Yes. A monthly or quarterly pack is scoped once and delivered on a fixed date each period.