BLOK ! Sàrl provides independent financial and administrative advisory services for private clients, self-employed professionals and SMEs. Services include budgeting and debt counselling, pension and mortgage advice, administrative organisation, cash‑flow and financial planning, and debt recovery/collection. The company also runs courses and workshops on personal and business finance.
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Industry:Management ConsultingFiduciary Offices
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Personalised advice to manage budget, debts, mortgages, retirement provision, savings and credit choices; support in the event of enforcement proceedings, tax arrears or changes in family circumstances.
Financial advice for SMEs and self-employed
Support for SMEs and the self-employed with financial management, planning, analysis, financing and risk management; advice for strategic decisions and long-term projects.
Administrative management
Organisation and reorganisation of administrative tasks, invoicing, correspondence, filing, management tools, automation, software training and outsourcing of certain tasks.
Budget management and debt reduction
Definition of a personalised budget, monitoring of expenses, reducing debts, negotiating loans and support to get out of over-indebtedness.
Support for collections and debt enforcement
Advice to deal with enforcement proceedings, negotiate with creditors, file an objection if necessary and manage the collection of receivables for individuals or companies.
Advice on retirement provision
Analysis of the retirement provision situation, optimisation of the three pillars, choice between an LPP buy-in, 3rd pillar, bank account or life insurance, with personalised follow-up.
Cash flow management
Cash flow planning, monitoring of customer invoices, optimising payment terms, building reserves and using cash management tools.
Internal organisation and human resources
Restructuring the organisational chart, resolving tensions, allocating responsibilities, improving internal communication and adapting the structure to growth.
Optimisation of company retirement provision
Advice on pension funds, contribution rates, conversion rate, the choice between pension or lump sum and coverage of retirement, disability and death risks.
Maximisation of company savings
Advice on company savings, tax advantages, employer contributions, investment options and raising employees’ awareness through information sessions.
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