Václav Zoubek
@vaclavzoubek.bsky.social
SME finance enthusiast, interested in personal finance and investments
vaclavzoubek.eu
vaclavzoubek.eu
Works just fine,but I didn't do any finetuning or anything. It's very similar to Jekyll (and probably any other static site generator)
March 10, 2025 at 2:21 PM
Works just fine,but I didn't do any finetuning or anything. It's very similar to Jekyll (and probably any other static site generator)
Wordpress (old school)
Or Pelican for static publishing of my markdown notes, but didn't take time to figure out publishing pictures and other stuff...
Or Pelican for static publishing of my markdown notes, but didn't take time to figure out publishing pictures and other stuff...
March 10, 2025 at 11:22 AM
Wordpress (old school)
Or Pelican for static publishing of my markdown notes, but didn't take time to figure out publishing pictures and other stuff...
Or Pelican for static publishing of my markdown notes, but didn't take time to figure out publishing pictures and other stuff...
vaclavzoubek.eu/blog/what-do...
PS: I have decided to share something about finance for micro and small enterprises for the whole February, I will shut up now :-)
PS: I have decided to share something about finance for micro and small enterprises for the whole February, I will shut up now :-)
Václav’s notes - 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? Over the last decade, fintech solutions swept through the organizational...
vaclavzoubek.eu
February 28, 2025 at 10:46 PM
vaclavzoubek.eu/blog/what-do...
PS: I have decided to share something about finance for micro and small enterprises for the whole February, I will shut up now :-)
PS: I have decided to share something about finance for micro and small enterprises for the whole February, I will shut up now :-)
In the meantime, even more tools will be made for financial management and its aspects and try to disrupt the system.
February 28, 2025 at 10:46 PM
In the meantime, even more tools will be made for financial management and its aspects and try to disrupt the system.
All of this is close to revolutionizing small business finances, and it will eventually result in a speed and immediate access to information to decision makers. Whether these tools and information improve productivity will depend on how well decision-makers use them to drive growth and innovation.
February 28, 2025 at 10:46 PM
All of this is close to revolutionizing small business finances, and it will eventually result in a speed and immediate access to information to decision makers. Whether these tools and information improve productivity will depend on how well decision-makers use them to drive growth and innovation.
Not only that, but financial planning is going to shift significantly towards automated tools and not rely so much on Excel. And Excel alone will incorporate more AI capabilities (and so will Google's Sheets) and rely less on cumbersome and complicated formulas.
February 28, 2025 at 10:46 PM
Not only that, but financial planning is going to shift significantly towards automated tools and not rely so much on Excel. And Excel alone will incorporate more AI capabilities (and so will Google's Sheets) and rely less on cumbersome and complicated formulas.
AI and computer vision also help with processing documents. Summaries of contracts are created for human review, and bookkeeping data is automatically populated to reduce errors. Bookkeeping in general will decline as bookkeepers will change from actually doing the work to supervising AI agents.
February 28, 2025 at 10:46 PM
AI and computer vision also help with processing documents. Summaries of contracts are created for human review, and bookkeeping data is automatically populated to reduce errors. Bookkeeping in general will decline as bookkeepers will change from actually doing the work to supervising AI agents.
Generative AI is on the rise. And just as well, because more and more reports (ESG and others) are required by regulators and a well-trained AI can write reports from data even better than people.
February 28, 2025 at 10:46 PM
Generative AI is on the rise. And just as well, because more and more reports (ESG and others) are required by regulators and a well-trained AI can write reports from data even better than people.
Data-based decisions are on the rise thanks to solutions like Power BI or Tableau available even to small companies. Online-available and cloud-based accounting software interconnects with CRM and other needed tools to provide instant data to analyze.
February 28, 2025 at 10:46 PM
Data-based decisions are on the rise thanks to solutions like Power BI or Tableau available even to small companies. Online-available and cloud-based accounting software interconnects with CRM and other needed tools to provide instant data to analyze.
In addition to streamlining payments, fintech is revolutionizing how small businesses make data-driven decisions.
February 28, 2025 at 10:46 PM
In addition to streamlining payments, fintech is revolutionizing how small businesses make data-driven decisions.
Over the last decade, fintech solutions swept through the organizational needs of small businesses. Card payments are cheap online and offline, innovative financing solutions are at your fingertips and your accountant can create a graph of cash flows in 15 minutes or less in a spreadsheet.
February 28, 2025 at 10:46 PM
Over the last decade, fintech solutions swept through the organizational needs of small businesses. Card payments are cheap online and offline, innovative financing solutions are at your fingertips and your accountant can create a graph of cash flows in 15 minutes or less in a spreadsheet.
vaclavzoubek.eu/blog/externa...
PS: I have decided to share something about finance for micro and small enterprises for the whole February, you can just mute the tag #FinanceFebruary to not be spammed by me
PS: I have decided to share something about finance for micro and small enterprises for the whole February, you can just mute the tag #FinanceFebruary to not be spammed by me
Václav’s notes - External sources of capital
Growing organically is all well and good. But sometimes, you need outside capital injections. Where do you look for it? The obvious culprit in looking for capital injection is a bank. You can borrow m...
vaclavzoubek.eu
February 27, 2025 at 10:58 PM
vaclavzoubek.eu/blog/externa...
PS: I have decided to share something about finance for micro and small enterprises for the whole February, you can just mute the tag #FinanceFebruary to not be spammed by me
PS: I have decided to share something about finance for micro and small enterprises for the whole February, you can just mute the tag #FinanceFebruary to not be spammed by me
These days, funds can be found in different places. If there is an opportunity to grow, there is a capital to let you.
February 27, 2025 at 10:58 PM
These days, funds can be found in different places. If there is an opportunity to grow, there is a capital to let you.
Speaking of combining, merging with your competitor or supplier is definitely something a private equity financier can get behind.
February 27, 2025 at 10:58 PM
Speaking of combining, merging with your competitor or supplier is definitely something a private equity financier can get behind.
Another possibility is to sell minority (or majority) stake to a large corporation, who would like to move into your niche. Or you can take in an equity partner who cannot only put capital into your company, but also complement your skills or product lines.
February 27, 2025 at 10:58 PM
Another possibility is to sell minority (or majority) stake to a large corporation, who would like to move into your niche. Or you can take in an equity partner who cannot only put capital into your company, but also complement your skills or product lines.
You can either get growth capital from angel and venture investment companies, where they fund unproved companies with a lot of potential, or you can try partnering with private equity partner, that specializes in more mature small to midsize companies.
February 27, 2025 at 10:58 PM
You can either get growth capital from angel and venture investment companies, where they fund unproved companies with a lot of potential, or you can try partnering with private equity partner, that specializes in more mature small to midsize companies.
Another source of capital is equity. Equity is the precious claim on the whole company, the less you have it the less control over the company you have. There are times however, when it is prudent to sell a stake in your small business.
February 27, 2025 at 10:58 PM
Another source of capital is equity. Equity is the precious claim on the whole company, the less you have it the less control over the company you have. There are times however, when it is prudent to sell a stake in your small business.
If you do not want to borrow from banks, there are other lenders in a private market. You can try crowdvesting platforms, where you can sell small amounts of debt, you can use crowdfuding to fund your ventures in advance, or you can borrow money on classical P2P lending platforms.
February 27, 2025 at 10:58 PM
If you do not want to borrow from banks, there are other lenders in a private market. You can try crowdvesting platforms, where you can sell small amounts of debt, you can use crowdfuding to fund your ventures in advance, or you can borrow money on classical P2P lending platforms.
The obvious culprit in looking for capital injection is a bank. You can borrow money against your assets, submit to covenants that place restriction on what you can do as a company. Very often those restriction comes in forms of financial ratios, that you can't breach.
February 27, 2025 at 10:58 PM
The obvious culprit in looking for capital injection is a bank. You can borrow money against your assets, submit to covenants that place restriction on what you can do as a company. Very often those restriction comes in forms of financial ratios, that you can't breach.
vaclavzoubek.eu/blog/depreci...
PS: I have decided to share something about finance for micro and small enterprises for the whole February, you can just mute the tag #FinanceFebruary to not be spammed by me
PS: I have decided to share something about finance for micro and small enterprises for the whole February, you can just mute the tag #FinanceFebruary to not be spammed by me
Václav’s notes - Depreciating assets
All assets have their useful life. Even the long-term ones. That's why their value is depreciated by your accountant. In depreciation, costs of acquiring an asset are slowly dissolved into your busine...
vaclavzoubek.eu
February 26, 2025 at 10:57 PM
vaclavzoubek.eu/blog/depreci...
PS: I have decided to share something about finance for micro and small enterprises for the whole February, you can just mute the tag #FinanceFebruary to not be spammed by me
PS: I have decided to share something about finance for micro and small enterprises for the whole February, you can just mute the tag #FinanceFebruary to not be spammed by me
But do not worry, your accountant should have your back. If they don't, hire another one.
February 26, 2025 at 10:57 PM
But do not worry, your accountant should have your back. If they don't, hire another one.
In these days, accountants have software to manage depreciating all assets. That is important especially when methods for each asset category differ and when having to maintain both financial accounting and tax accounting records.
February 26, 2025 at 10:57 PM
In these days, accountants have software to manage depreciating all assets. That is important especially when methods for each asset category differ and when having to maintain both financial accounting and tax accounting records.
Linear time depreciation is calculated as (acquisition price - salvage value)/useful lifetime for a year, proportionally allocating costs for every year. Basing the estimate on mileage would work the same, just substitute usage for lifetime.
February 26, 2025 at 10:57 PM
Linear time depreciation is calculated as (acquisition price - salvage value)/useful lifetime for a year, proportionally allocating costs for every year. Basing the estimate on mileage would work the same, just substitute usage for lifetime.