What you get every month
Concrete monthly Virtual CFO scope (no vague retainers)
WinCore vCFO engagements are intentionally specific. Each monthly cycle delivers the same five operational artefacts so the founder, the board, and the bank know exactly what arrives and when:
- Board-ready monthly accounts. Reviewed P&L, balance sheet, and cash-flow statement against budget and prior year, with a written CFO commentary page that names variances and flags forward risks.
- 13-week rolling cash forecast. Refreshed each month with weekly granularity, covering receipts, payroll, supplier payments, statutory remittances, and bank covenant headroom mapped against opening cash.
- KPI dashboard. Five to eight finance and operating KPIs tailored to the business: gross margin, payroll cost ratio, debtor days, runway, EBITDA, and customer concentration. Trended monthly, not just point-in-time.
- Statutory and compliance status pack. Up-to-date snapshot of VAT, APIT, EPF/ETF, corporate tax (SET / final), and ROC filing status. No audit surprises at year end.
- One scheduled CFO meeting. 60-90 minutes with the founder / leadership team to walk through the pack, decide actions, and document them in a short minute, attended by the named WinCore CFO partner.
Quarterly, this expands into a budget reforecast and a strategic review. Annually, it expands into the year-end statutory accounts handover, audit liaison, and the next-year operating plan.




