Cristian Chelcea

For small and medium-sized enterprises (SMEs), financial health is not simply about recording numbers—it is about understanding trends, identifying risks early, and making strategic decisions grounded in accurate data. A Profit & Loss (P&L) Review, whether conducted monthly, every four weeks, or quarterly, allows business owners to track profitability, control costs, and optimize operations in real […]

If your eyes glaze over when someone mentions “P&L” or “cash flow forecast,” you’re not alone. Most small business owners aren’t trained in finance—but you still need to make financial decisions every day. This guide is for people who run businesses (not spreadsheets). Whether you’re an event organiser, café owner, or creative freelancer, you need