Academy

1. Costs

Picture a restaurant. The rent falls due every month, customers or not. Ingredients only cost when a plate goes out. And the fryer is bought once. Three families: fixed, variable, one-off — your whole plan rests on this distinction.

2. Salaries

A 5,000 CHF gross salary costs the company about 6,000 CHF: pension, social insurance — the employer contributions. In a plan, always count the employer cost, never the gross alone.

3. Products & pricing

The price is what the customer pays. The margin, what's left after the product's cost. The profit, what's left after ALL costs. You can sell at a high price and lose money — it's even common.

4. Distribution

Selling direct, through a reseller, on a platform: every path to the customer is a channel, and each takes its share. A 30% commission doesn't shrink your revenue — it devours your margin.

5. The forecast

A forecast isn't a promise: it's a DEFENSIBLE assumption. "50 sales a month because the local market absorbs 5,000" can be discussed. "50 because we need it" cannot be defended.

6. Investments & financing

The 10,000 CHF fryer wears out over 5 years: each year "consumes" 2,000. That's depreciation — the money leaves once, the cost spreads out. Your cash and your profitability live different lives.

7. Reading your results

Sales minus costs, month by month: that's your profitability. The first months are red — that's normal, and precisely what your financing must cover. The question: when do you turn green?

1. Starting your books

The law requires them as soon as you invoice — but you don't keep them for the tax office. You keep them to know, every month, whether you're making money, and to prove it the day a bank, a partner or a buyer asks.

2. Invoice and get paid

A quote proposes, an invoice claims, a payment concludes. All three live on the same screen: the accepted quote becomes the invoice, no retyping. Every step leaves a trace — and that trace feeds the books.

3. Purchase documents

The golden rule of all bookkeeping: every expense has its receipt. It's the basic discipline asked of you — photograph or forward every invoice you receive. BeMyTalent prepares the rest; you approve.

4. To process — the daily loop

Read documents, proposed entries, reminders: everything awaiting a decision lands in the same place. Your bookkeeping becomes a review of proposals — ten minutes a week, not an evening per quarter.

5. The bank tells the truth

Your bank can export its memory: a camt.053 file, the official Swiss statement. Import it — every account movement lands in the app, ready to reconcile. Most e-banking portals export it in two clicks.

6. VAT without fear

Below 100,000 CHF of annual revenue, VAT is a choice. Above it, an obligation. Not concerned yet? Read on anyway: the day the threshold approaches, you'll know exactly what to do.

7. Reading balance sheet and P&L

On the left, assets — what the company owns: bank, stock, receivables. On the right, liabilities — where that money comes from: debts, capital. The two columns are ALWAYS equal: every franc owned comes from somewhere.

8. Closing the year

The fiscal year freezes so the past stays true: numbers sent to the tax office or shown to the bank must not move again. The closing locks the year — and the opening carry-forward launches the next one.