Václav Zoubek
@vaclavzoubek.bsky.social
SME finance enthusiast, interested in personal finance and investments
vaclavzoubek.eu
vaclavzoubek.eu
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Little intro: By day, I'm financial wizard 💸 guiding small organizations through their financial journeys. By night, I'm with a good book 📚 or tinkering on web 🌐
I'm also a qualified accountant, always ready to lend a hand, and an ex-auditor who knows the ins and outs of those audits 🕵️♂️
I'm also a qualified accountant, always ready to lend a hand, and an ex-auditor who knows the ins and outs of those audits 🕵️♂️
#FinanceFebruary - What does future hold for micro and small business finances
The world is changing. Technology is changing, politics is changing. Fintech and AI are taking charge. What is going to happen?
The world is changing. Technology is changing, politics is changing. Fintech and AI are taking charge. What is going to happen?
February 28, 2025 at 10:46 PM
#FinanceFebruary - What does future hold for micro and small business finances
The world is changing. Technology is changing, politics is changing. Fintech and AI are taking charge. What is going to happen?
The world is changing. Technology is changing, politics is changing. Fintech and AI are taking charge. What is going to happen?
#FinanceFebruary External sources of capital
Growing organically is all well and good. But sometimes, you need outside capital injections. Where do you look for it?
Growing organically is all well and good. But sometimes, you need outside capital injections. Where do you look for it?
February 27, 2025 at 10:58 PM
#FinanceFebruary External sources of capital
Growing organically is all well and good. But sometimes, you need outside capital injections. Where do you look for it?
Growing organically is all well and good. But sometimes, you need outside capital injections. Where do you look for it?
#FinanceFebruary Deprecing assets
All assets have their useful life. Even the long-term ones. That's why their value is depreciated by your accountant.
All assets have their useful life. Even the long-term ones. That's why their value is depreciated by your accountant.
February 26, 2025 at 10:57 PM
#FinanceFebruary Deprecing assets
All assets have their useful life. Even the long-term ones. That's why their value is depreciated by your accountant.
All assets have their useful life. Even the long-term ones. That's why their value is depreciated by your accountant.
#FinanceFebruary Lifetime Value of your Customers
Customers come and go, but they have a value for you. And their lifetime value is a measure to plan for.
Customers come and go, but they have a value for you. And their lifetime value is a measure to plan for.
February 25, 2025 at 11:21 PM
#FinanceFebruary Lifetime Value of your Customers
Customers come and go, but they have a value for you. And their lifetime value is a measure to plan for.
Customers come and go, but they have a value for you. And their lifetime value is a measure to plan for.
#FinanceFebruary Managing relationship risk
Every business has key relationships. It's your most important employee or your top customers. You rely on them to make your business work.
Every business has key relationships. It's your most important employee or your top customers. You rely on them to make your business work.
February 24, 2025 at 10:50 PM
#FinanceFebruary Managing relationship risk
Every business has key relationships. It's your most important employee or your top customers. You rely on them to make your business work.
Every business has key relationships. It's your most important employee or your top customers. You rely on them to make your business work.
#FinanceFebruary Navigating uncertainty - Risk management for SMEs
In the dynamic environment of small businesses, the world is constantly changing. Politicians pass new laws, banks change their interest rates, suppliers go out of business, corporations enter new markets. How do you navigate that?
In the dynamic environment of small businesses, the world is constantly changing. Politicians pass new laws, banks change their interest rates, suppliers go out of business, corporations enter new markets. How do you navigate that?
February 23, 2025 at 10:40 PM
#FinanceFebruary Navigating uncertainty - Risk management for SMEs
In the dynamic environment of small businesses, the world is constantly changing. Politicians pass new laws, banks change their interest rates, suppliers go out of business, corporations enter new markets. How do you navigate that?
In the dynamic environment of small businesses, the world is constantly changing. Politicians pass new laws, banks change their interest rates, suppliers go out of business, corporations enter new markets. How do you navigate that?
#FinanceFebruary Discounted cash flow
The sophisticated way of valuing a company is through discounted cash flow. Everybody is talking about it, but how does it work?
On the surface, discounted cash flow is just net present value of future free cash flows.
The sophisticated way of valuing a company is through discounted cash flow. Everybody is talking about it, but how does it work?
On the surface, discounted cash flow is just net present value of future free cash flows.
February 22, 2025 at 10:54 PM
#FinanceFebruary Discounted cash flow
The sophisticated way of valuing a company is through discounted cash flow. Everybody is talking about it, but how does it work?
On the surface, discounted cash flow is just net present value of future free cash flows.
The sophisticated way of valuing a company is through discounted cash flow. Everybody is talking about it, but how does it work?
On the surface, discounted cash flow is just net present value of future free cash flows.
#FinanceFebruary Comparable valuations comparing your business
Here's a tricky question. You want to buy a company, but how much should you pay?
Here's a tricky question. You want to buy a company, but how much should you pay?
February 20, 2025 at 11:06 PM
#FinanceFebruary Comparable valuations comparing your business
Here's a tricky question. You want to buy a company, but how much should you pay?
Here's a tricky question. You want to buy a company, but how much should you pay?
#FinanceFebruary How much does your capital cost?
Your company has some capital. Maybe from you, investors or maybe from banks. How much does it all cost?
Your company has some capital. Maybe from you, investors or maybe from banks. How much does it all cost?
February 19, 2025 at 10:13 PM
#FinanceFebruary How much does your capital cost?
Your company has some capital. Maybe from you, investors or maybe from banks. How much does it all cost?
Your company has some capital. Maybe from you, investors or maybe from banks. How much does it all cost?
#FinanceFebruary Liquidity and solvency - no problems for you
How do you discern that a company is in trouble? And when does insolvency come into play?
There are financial ratios that show how good and profitable a company are. But how troubled a company is? There are some measures for that as well.
How do you discern that a company is in trouble? And when does insolvency come into play?
There are financial ratios that show how good and profitable a company are. But how troubled a company is? There are some measures for that as well.
February 18, 2025 at 10:33 PM
#FinanceFebruary Liquidity and solvency - no problems for you
How do you discern that a company is in trouble? And when does insolvency come into play?
There are financial ratios that show how good and profitable a company are. But how troubled a company is? There are some measures for that as well.
How do you discern that a company is in trouble? And when does insolvency come into play?
There are financial ratios that show how good and profitable a company are. But how troubled a company is? There are some measures for that as well.
#FinanceFebruary Financial ratios - compare yourself to
Sometimes you need a comparison. A benchmark. Are you better then yesterday? Are you better than your competitor?
Sometimes you need a comparison. A benchmark. Are you better then yesterday? Are you better than your competitor?
February 17, 2025 at 9:55 PM
#FinanceFebruary Financial ratios - compare yourself to
Sometimes you need a comparison. A benchmark. Are you better then yesterday? Are you better than your competitor?
Sometimes you need a comparison. A benchmark. Are you better then yesterday? Are you better than your competitor?
#FinanceFebruary Capital budgeting is capital
Ever wondered if your next big investment will truly boost your small business? Capital budgeting is your secret weapon, helping you weigh the risks and rewards to ensure every investment propels your growth.
Ever wondered if your next big investment will truly boost your small business? Capital budgeting is your secret weapon, helping you weigh the risks and rewards to ensure every investment propels your growth.
February 16, 2025 at 10:07 PM
#FinanceFebruary Capital budgeting is capital
Ever wondered if your next big investment will truly boost your small business? Capital budgeting is your secret weapon, helping you weigh the risks and rewards to ensure every investment propels your growth.
Ever wondered if your next big investment will truly boost your small business? Capital budgeting is your secret weapon, helping you weigh the risks and rewards to ensure every investment propels your growth.
#FinanceFebruary Accessing Government Funding for Small Businesses
Governments take up large portion of the economy and it would be wasteful to ignore them. Some entrepreneurs do not like governments or handouts for moral or political reasons. Here is the introduction for the rest.
Governments take up large portion of the economy and it would be wasteful to ignore them. Some entrepreneurs do not like governments or handouts for moral or political reasons. Here is the introduction for the rest.
February 15, 2025 at 10:47 PM
#FinanceFebruary Accessing Government Funding for Small Businesses
Governments take up large portion of the economy and it would be wasteful to ignore them. Some entrepreneurs do not like governments or handouts for moral or political reasons. Here is the introduction for the rest.
Governments take up large portion of the economy and it would be wasteful to ignore them. Some entrepreneurs do not like governments or handouts for moral or political reasons. Here is the introduction for the rest.
#FinanceFebruary Working the capital
Managing working capital is a crucial task for any business. The key parts are inventory management, accounts payable management, accounts receivable management and cash management. All terms known from previous post on cash flow.
Managing working capital is a crucial task for any business. The key parts are inventory management, accounts payable management, accounts receivable management and cash management. All terms known from previous post on cash flow.
February 14, 2025 at 10:23 PM
#FinanceFebruary Working the capital
Managing working capital is a crucial task for any business. The key parts are inventory management, accounts payable management, accounts receivable management and cash management. All terms known from previous post on cash flow.
Managing working capital is a crucial task for any business. The key parts are inventory management, accounts payable management, accounts receivable management and cash management. All terms known from previous post on cash flow.
#FinanceFebruary Long-term commitments
You can get over cash constraints in the short term, but what about borrowing for the long term?
You can get over cash constraints in the short term, but what about borrowing for the long term?
February 13, 2025 at 10:51 PM
#FinanceFebruary Long-term commitments
You can get over cash constraints in the short term, but what about borrowing for the long term?
You can get over cash constraints in the short term, but what about borrowing for the long term?
#FinanceFebruary Quick Cash in Business
You try your best. You model your cash flow. But you still come short. How do you fix it?
You can try calling your suppliers and negotiate better deals in vendor financing. It's not an easy conversation to have, but often wort to have.
You try your best. You model your cash flow. But you still come short. How do you fix it?
You can try calling your suppliers and negotiate better deals in vendor financing. It's not an easy conversation to have, but often wort to have.
February 12, 2025 at 10:39 PM
#FinanceFebruary Quick Cash in Business
You try your best. You model your cash flow. But you still come short. How do you fix it?
You can try calling your suppliers and negotiate better deals in vendor financing. It's not an easy conversation to have, but often wort to have.
You try your best. You model your cash flow. But you still come short. How do you fix it?
You can try calling your suppliers and negotiate better deals in vendor financing. It's not an easy conversation to have, but often wort to have.
#FinanceFebruary Don't dry up your cash flow
Making money is just half the battle. Managing it well is what keeps your business alive. Learn ins and outs of cash flow management before sudden hick-ups become irrepressible.
Making money is just half the battle. Managing it well is what keeps your business alive. Learn ins and outs of cash flow management before sudden hick-ups become irrepressible.
February 11, 2025 at 11:01 PM
#FinanceFebruary Don't dry up your cash flow
Making money is just half the battle. Managing it well is what keeps your business alive. Learn ins and outs of cash flow management before sudden hick-ups become irrepressible.
Making money is just half the battle. Managing it well is what keeps your business alive. Learn ins and outs of cash flow management before sudden hick-ups become irrepressible.
Reposted by Václav Zoubek
AI doesn’t take your job.
But not using AI might.
But not using AI might.
February 10, 2025 at 8:54 PM
AI doesn’t take your job.
But not using AI might.
But not using AI might.
#FinanceFebruary Even money gets tired
Is it better to earn 100 USD today or 100 USD tomorrow? Is it better to earn 100 USD today or 200 in ten years? The value of money is a function of time.
> “A bird in the hand is worth two in the bush”
Is it better to earn 100 USD today or 100 USD tomorrow? Is it better to earn 100 USD today or 200 in ten years? The value of money is a function of time.
> “A bird in the hand is worth two in the bush”
February 10, 2025 at 10:51 PM
#FinanceFebruary Even money gets tired
Is it better to earn 100 USD today or 100 USD tomorrow? Is it better to earn 100 USD today or 200 in ten years? The value of money is a function of time.
> “A bird in the hand is worth two in the bush”
Is it better to earn 100 USD today or 100 USD tomorrow? Is it better to earn 100 USD today or 200 in ten years? The value of money is a function of time.
> “A bird in the hand is worth two in the bush”
#FinanceFebruary Cost-benefit analysis
Making strategic decisions is a valuable skill. Analying these decisions, especially when weighting alternatives, needs a structured process. Enter Cost-benefit analysis (CBA).
Making strategic decisions is a valuable skill. Analying these decisions, especially when weighting alternatives, needs a structured process. Enter Cost-benefit analysis (CBA).
February 9, 2025 at 10:14 PM
#FinanceFebruary Cost-benefit analysis
Making strategic decisions is a valuable skill. Analying these decisions, especially when weighting alternatives, needs a structured process. Enter Cost-benefit analysis (CBA).
Making strategic decisions is a valuable skill. Analying these decisions, especially when weighting alternatives, needs a structured process. Enter Cost-benefit analysis (CBA).
#FinanceFebruary Sunk costs
Remorse is the killer of good decisions. It can be helpful in relationships, it can be educational. But never use your regrets about already paid costs as driving force for business decisions.
It's called sunk cost fallacy and it's absolutely natural. And ineffective.
Remorse is the killer of good decisions. It can be helpful in relationships, it can be educational. But never use your regrets about already paid costs as driving force for business decisions.
It's called sunk cost fallacy and it's absolutely natural. And ineffective.
February 8, 2025 at 10:49 PM
#FinanceFebruary Sunk costs
Remorse is the killer of good decisions. It can be helpful in relationships, it can be educational. But never use your regrets about already paid costs as driving force for business decisions.
It's called sunk cost fallacy and it's absolutely natural. And ineffective.
Remorse is the killer of good decisions. It can be helpful in relationships, it can be educational. But never use your regrets about already paid costs as driving force for business decisions.
It's called sunk cost fallacy and it's absolutely natural. And ineffective.
#FinanceFebruary Opportunity costs
Imagine having an ability to see what is the hidden value of all your decisions. That's opportunity cost, the foregone profits, and possibilities you didn't pursue.
Imagine having an ability to see what is the hidden value of all your decisions. That's opportunity cost, the foregone profits, and possibilities you didn't pursue.
February 7, 2025 at 10:46 PM
#FinanceFebruary Opportunity costs
Imagine having an ability to see what is the hidden value of all your decisions. That's opportunity cost, the foregone profits, and possibilities you didn't pursue.
Imagine having an ability to see what is the hidden value of all your decisions. That's opportunity cost, the foregone profits, and possibilities you didn't pursue.
#FinanceFebruary Break-even points in your micro cosmos
Imagine you are starting a business and feeling the stress. When can you breathe in relief? When you reach your break even point.
Imagine you are starting a business and feeling the stress. When can you breathe in relief? When you reach your break even point.
February 6, 2025 at 10:56 PM
#FinanceFebruary Break-even points in your micro cosmos
Imagine you are starting a business and feeling the stress. When can you breathe in relief? When you reach your break even point.
Imagine you are starting a business and feeling the stress. When can you breathe in relief? When you reach your break even point.
#FinanceFebruary Buldging Budgets
Budgets are crucial for the financial management of micro and small companies.
They state priorities for following time span and assign their monetary value. Naturally, no one wants to see their budget cut.
Budgets are crucial for the financial management of micro and small companies.
They state priorities for following time span and assign their monetary value. Naturally, no one wants to see their budget cut.
February 5, 2025 at 10:47 PM
#FinanceFebruary Buldging Budgets
Budgets are crucial for the financial management of micro and small companies.
They state priorities for following time span and assign their monetary value. Naturally, no one wants to see their budget cut.
Budgets are crucial for the financial management of micro and small companies.
They state priorities for following time span and assign their monetary value. Naturally, no one wants to see their budget cut.
#FinanceFebruary Forecasts or tea leavese?
You made your plans. Now how well are you going to execute?
Forecast is a near-future prediction on your financial results. You know how good your sales are. Will they change in the following months?
You made your plans. Now how well are you going to execute?
Forecast is a near-future prediction on your financial results. You know how good your sales are. Will they change in the following months?
February 4, 2025 at 10:50 PM
#FinanceFebruary Forecasts or tea leavese?
You made your plans. Now how well are you going to execute?
Forecast is a near-future prediction on your financial results. You know how good your sales are. Will they change in the following months?
You made your plans. Now how well are you going to execute?
Forecast is a near-future prediction on your financial results. You know how good your sales are. Will they change in the following months?