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Enter your data in the green cells only :

Your surname and first name : Vishal Panchal

Name of your project or activity : Navaloi Polymers Describe your activity
Your legal status : For example : Ltd company
Your phone number :
Your e-mail adress :
Your city :
Your currency : Rupees Example : Euro, franc CFA…
Corporate tax rate : % only

1) Setting up the business :

List all the expenses and investments to be made before creating the company, exclusing VAT.
Amount
Business registration 206,000.00
Software -
Training -
Patent, trademark and design rights
Franchise fees, entry fees -
Acquisition of business goodwill -
Leasehold rights
Lease deposit and advance rent 840,000.00
Application fee -
Solicitor and accountant fees -
Advertising, first promotion costs -
Office purchase 100,000.00
Restoration works
Equipment, tools, vehicles 12,000,000.00
Office equipment 500,000.00
Raw materials and supplies 1,000,000.00
Cash for working capital, additional cash 500,000.00
TOTAL 15,146,000.00

Depreciation period : 5 (mandatory input ; useful life of capital assets, in years)

2) Start up capital :

Amount
Personal contribution 50,000,000.00
Family money - (enter rate) (enter duration in MONTHS)
Bank borrowing #1 -
Bank borrowing #2 -
Bank borrowing #3 -
Subsidy -
Subsidy / subvention -
Other funding -
TOTAL 50,000,000.00 Le total doit être égal au total du tableau précédent, veuillez modifier les chiffres

3) Expenses : 0.00
List your recurring expenses, excluding VAT.

Year 1 Year 2 Year 3

Insurance
Postage, telephone, internet 15,000.00
Subscriptions -
Motor vehicule expenses -
Travel expenses -
Electricity, water and gas 1,000,000.00
Transport/courier cost 500,000.00
Stationery 50,000.00
Repairs and maintenance 100,000.00
Cleaning 50,000.00
Advertising
Rent 140,000.00
Accounting / legal fees -
Bank charges -
Taxes -
Other expenses (write below) :
Sundries

TOTAL 1,855,000.00 - -

4) Sales for the first year :

Enter sales volume for the first year (excl. VAT).

Number of days Average turnover Monthly Number of days Average turnover Monthly
Year 1 - Sale of goods worked per day turnover Year 1 - Sale of services worked per day turnover
Month 1 25 21,345.00 533,625.00 Month 1 25 -
Month 2 25 13,245.00 331,125.00 Month 2 25 -
Month 3 25 12,346.00 308,650.00 Month 3 25 -
Month 4 25 21,346.00 533,650.00 Month 4 25 -
Month 5 25 21,584.00 539,600.00 Month 5 25 -
Month 6 25 23,156.00 578,900.00 Month 6 25 -
Month 7 25 13,156.00 328,900.00 Month 7 25 -
Month 8 25 14,687.00 367,175.00 Month 8 25 -
Month 9 25 14,798.00 369,950.00 Month 9 25 -
Month 10 25 13,497.00 337,425.00 Month 1025 -
Month 11 25 - Month 1125 -
Month 12 25 - Month 1225 -
TOTAL 4,229,000.00 TOTAL -

Percentage increase of turnover from year 1 to year 2 : 5% Percentage increase of turnover from year 1 to year 2 : 5%
Percentage increase of turnover from year 2 to year 3 : 5% Percentage increase of turnover from year 2 to year 3 : 5%

5) Variable costs :
Variable costs are corporate expenses that vary in direct proportion to the quantity of output. Unlike fixed
costs, which remain constant regardless of output, variable costs are a direct function of production
volume. Examples of common variable costs include raw materials, packaging, distribution costs...

What is the cost of goods sold, expressed as a percentage of the sell price ? 50% (only concerns sale of GOODS)

6) Working capital :
 Average duration of customer credits (expressed in days) 30 How many days after performing the service will the client pay ?
Average duration of supplier liabilities (expressed in days) 30 How many days after receiving the invoice will you pay your suppliers ?

7) Employees' wages and manager's compensation

Year 1 Year 2 Year 3

Employees' wages (net) (enter annual amount)
Employees' social insurance (enter annual amount)
Year 1 Year 2 Year 3
Manager's compensation (net) (enter annual amount)
Manager's social expenses (enter annual amount)

8) Check your break-even point :

First year
Your business seems : Non profitable Please revise figures

9) Check your cash position :

First year
Need Excel password for this document ? Click here
Have you planned for sufficient cash to start-up your business ?

10) Preview and print your 3-Year Financial Plan : see next sheet
Any remark about this document ? Please send us an e-mail : contact@wikicrea.fr
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3-Year Financial Plan

Vishal Panchal

Navaloi Polymers

3/29/2019

This financial plan template is offered by WikiCrea (www.creerentreprise.fr) 1

 Set-up Costs and Funding

Project : Navaloi Polymers

Project holder : Vishal Panchal

Amount
SET-UP COSTS excl. taxes

Setting up the company 1,046,000.00

Business registration 206,000.00
Software -
Training -
Patent, trademark and design rights
Franchise fees, entry fees -
Acquisition of business goodwill -
Leasehold rights
Lease deposit and advance rent 840,000.00
Application fee -
Solicitor and accountant fees -
Starting operations, premises and equipment 12,600,000.00
Advertising, first promotion costs -
Office purchase 100,000.00
Restoration works
Equipment, tools, vehicles 12,000,000.00
Office equipment 500,000.00

Raw materials and supplies 1,000,000.00

Cash for working capital, additional cash 500,000.00
TOTAL NEEDED 15,146,000.00

Amount
FUNDING excl. taxes

Capital deposit 50,000,000.00

Personal contribution 50,000,000.00
Family money -
Borrowing Rate Duration (months) -
Bank borrowing #1 -
Bank borrowing #2 -
Bank borrowing #3 -
Subsidy -
Subsidy / subvention -
Other funding -

TOTAL RAISED 50,000,000.00

Currency : Rupees 2
 Wages and Social Expenses

Project : Navaloi Polymers

Project holder : Vishal Panchal

Legal status :

Year 1 Year 2 Year 3

Manager's compensation - - -
% increase
Manager's social expenses - - -

Employees' wages - - -
% increase
Employees' social insurance - - -

Amortization / Depreciation

Year 1 Year 2 Year 3

Amortization of intangible assets 41,200.00 41,200.00 41,200.00

Business registration 41,200.00 41,200.00 41,200.00

Training 0.00
Franchise fees, entry fees 0.00
Application fee 0.00
Solicitor and accountant fees 0.00

Depreciation of long-live assets 2,520,000.00 2,520,000.00 2,520,000.00

Advertising, first promotion costs 0.00

Office purchase 20,000.00 20,000.00 20,000.00
Restoration works 0.00 0.00 0.00
Equipment, tools, vehicles 2,400,000.00 2,400,000.00 2,400,000.00
Office equipment 100,000.00 100,000.00 100,000.00

Total Amortization / Depreciation 2,561,200.00 2,561,200.00 2,561,200.00

Currency : Rupees 3
 3-Year Profit & Loss Projection

Project : Navaloi Polymers

Project holder : Vishal Panchal
Year 1 Year 2 Year 3

Sales 4,229,000.00 4,440,450.00 4,662,472.50

Sale of goods 4,229,000.00 4,440,450.00 4,662,472.50
Sale of services - - -
Cost of sales 2,114,500.00 2,220,225.00 2,331,236.25
Cost of goods sold 2,114,500.00 2,220,225.00 2,331,236.25

Gross profit 2,114,500.00 2,220,225.00 2,331,236.25

Operating Expenses 1,855,000.00 - -
Insurance - - -
Postage, telephone, internet 15,000.00 - -
Subscriptions - - -
Motor vehicule expenses - - -
Travel expenses - - -
Electricity, water and gas 1,000,000.00 - -
Transport/courier cost 500,000.00 - -
Stationery 50,000.00 - -
Repairs and maintenance 100,000.00 - -
Cleaning 50,000.00 - -
Advertising - - -
Rent 140,000.00 - -
Accounting / legal fees - - -
Sundries - - -
- - -
- - -
Employees' wages - - -
Employees' social insurance - - -
Manager's compensation - - -
Manager's social expenses - - -
EBITDA 259,500.00 2,220,225.00 2,331,236.25
Taxes - - -
Bank charges, interest on borrowings - - -
Depreciation charges 2,561,200.00 2,561,200.00 2,561,200.00

Net profit or loss - 2,301,700.00 - 340,975.00 - 229,963.75

Net profit or loss after corporate tax - 2,301,700.00 - 340,975.00 - 229,963.75

Currency : Rupees 4
 Intermediate operating totals

Project : Navaloi Polymers

Project holder : Vishal Panchal

Year 1 % Year 2 % Year 3 %

Sales 4,229,000.00 100% 4,440,450.00 100% 4,662,472.50 100%

Sales, production 4,229,000.00 100% 4,440,450.00 100% 4,662,472.50 100%
Cost of goods sold 2,114,500.00 50% 2,220,225.00 50% 2,331,236.25 50%
Overall margin 2,114,500.00 50% 2,220,225.00 50% 2,331,236.25 50%
External charges 1,855,000.00 44% - 0% - 0%
Wages and social expenses - 0% - 0% - 0%
EBITDA 259,500.00 6% 2,220,225.00 50% 2,331,236.25 50%
Taxes - 0% - 0% - 0%
Bank charges, interest on borrowings - 0% - 0% - 0%
Depreciation charges 2,561,200.00 61% 2,561,200.00 58% 2,561,200.00 55%
Net profit or loss - 2,301,700.00 -54% - 340,975.00 -8% - 229,963.75 -5%
Net profit or loss after corporate tax - 2,301,700.00 -54% - 340,975.00 -8% - 229,963.75 -5%
Self-financing capacity 259,500.00 6% 2,220,225.00 50% 2,331,236.25 50%

Self-financing Capacity

Year 1 Year 2 Year 3

Net profit or loss after corporate tax - 2,301,700.00 - 340,975.00 - 229,963.75

+ Depreciation charges 2,561,200.00 2,561,200.00 2,561,200.00
Self-financing capacity 259,500.00 2,220,225.00 2,331,236.25
- Maturities of borrowings - - -
Free cash flow 259,500.00 2,220,225.00 2,331,236.25

Currency : Rupees 5
 Break-even point

Project : Navaloi Polymers

Project holder : Vishal Panchal

Year 1 Year 2 Year 3

Sales, production 4,229,000.00 4,440,450.00 4,662,472.50

Cost of goods sold 2,114,500.00 2,220,225.00 2,331,236.25
Total cost of sales 2,114,500.00 2,220,225.00 2,331,236.25
Contribution margin 2,114,500.00 2,220,225.00 2,331,236.25
Margin on variable costs 50% 50% 50%
Fixed costs 4,416,200.00 2,561,200.00 2,561,200.00
Total expenses 6,530,700.00 4,781,425.00 4,892,436.25
Net profit or loss - 2,301,700.00 - 340,975.00 - 229,963.75
Break-even point 8,832,400.00 5,122,400.00 5,122,400.00
Excess / Deficiency - 4,603,400.00 - 681,950.00 - 459,927.50
Break-even point (sales target per working day) 35,329.60 20,489.60 20,489.60

Working capital

delay working days

Year 1 Year 2 Year 3
Customers
Amount of trade receivables 30 347,589.04 364,968.49 383,216.92
Suppliers
Amount of trade payables 30 173,794.52 182,484.25 191,608.46
Working capital 173,794.52 182,484.25 191,608.46

Currency : Rupees 6
 3-Year Financing Plan

Project : Navaloi Polymers

Project holder : Vishal Panchal

Year 1 Year 2 Year 3

Fixed assets 13,646,000.00

Opening stocks 1,000,000.00
Working capital requirement 173,794.52 8,689.73 9,124.21
Maturities of borrowings - - -
Total needed 14,819,794.52 8,689.73 9,124.21
Capital deposit 50,000,000.00
Borrowings -
Subsidies #VALUE!
Other funding -
Self-financing Capacity 259,500.00 2,220,225.00 2,331,236.25
Total raised #VALUE! 2,220,225.00 2,331,236.25
Balance #VALUE! 2,211,535.27 2,322,112.04
Cash position #VALUE! #VALUE! #VALUE!

Opening cash position : 500,000.00

Currency : Rupees 7
 Cash flow forecast (part 1)

Project : Navaloi Polymers Excl. VAT

Project holder : Vishal Panchal

First year

Month 1 Month 2 Month 3 Month 4 Month 5

Capital deposit 50,000,000.00

Borrowings -
Subsidies #VALUE!
Other funding -
Sale of goods 533,625.00 331,125.00 308,650.00 533,650.00 539,600.00
Sale of services - - - - -
Sales (total) 533,625.00 331,125.00 308,650.00 533,650.00 539,600.00
Intangible assets 1,046,000.00
Long-live assets 12,600,000.00
Fixed assets (total) 13,646,000.00
Opening stocks 1,000,000.00
Maturities of borrowings - - - - -
Cost of goods sold 266,812.50 165,562.50 154,325.00 266,825.00 269,800.00
External loads 154,583.33 154,583.33 154,583.33 154,583.33 154,583.33
Taxes - - - - -
Employees' wages - - - - -
Employees' social insurance - - - - -
Manager's compensation - - - - -
Manager's social expenses - - - - -
Total wages and social expenses - - - - -
Bank charges, interest on borrowings - - - - -
Total outgoing 15,067,395.83 320,145.83 308,908.33 421,408.33 424,383.33
Total incoming #VALUE! 331,125.00 308,650.00 533,650.00 539,600.00
Balance previous month - #VALUE! #VALUE! #VALUE! #VALUE!
Monthly balance #VALUE! 10,979.17 - 258.33 112,241.67 115,216.67
Closing cash position #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

Currency : Rupees 8
 Cash flow forecast (part 2)

Project : Navaloi Polymers Excl. VAT

Project holder : Vishal Panchal

Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 TOTAL

50,000,000.00
-
#VALUE!
-
578,900.00 328,900.00 367,175.00 369,950.00 337,425.00 - - 4,229,000.00
- - - - - - - -
578,900.00 328,900.00 367,175.00 369,950.00 337,425.00 - - 4,229,000.00
1,046,000.00
12,600,000.00
13,646,000.00
1,000,000.00
- - - - - - - -
289,450.00 164,450.00 183,587.50 184,975.00 168,712.50 - - 2,114,500.00
154,583.33 154,583.33 154,583.33 154,583.33 154,583.33 154,583.33 154,583.33 1,855,000.00
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
444,033.33 319,033.33 338,170.83 339,558.33 323,295.83 154,583.33 154,583.33 18,615,500.00
578,900.00 328,900.00 367,175.00 369,950.00 337,425.00 - - #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
134,866.67 9,866.67 29,004.17 30,391.67 14,129.17 - 154,583.33 - 154,583.33
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

Currency : Rupees 9
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