Delrak · Business Financial Planning
A question before
the [contact form]
Most people reach us about one of three things: the learning program, a specific workshop, or something they tried that did not work. All three are fine reasons to write.
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The most common reason people contact us is not a question about pricing. It is usually something like: "I built a plan, but it fell apart in month three." That is exactly what the workshops address.
— A pattern we noticed across participants since 2016
Confusing revenue with profit
One of the top mistakes of business beginners. A busy month does not mean a good month — until you subtract what it actually cost to run it.
Planning without a cash buffer
Most early-stage plans assume payments arrive on time. They rarely do. A 6-week buffer is not paranoia — it is arithmetic.
Ignoring fixed costs during growth
Scaling revenue without tracking fixed cost creep is how businesses grow themselves into losses. It happens more often than it should.
Single-scenario forecasting
One projection is not a plan — it is a guess with formatting. Avoiding this mistake means building at least three scenarios before you commit.
Mixing personal and business finances
This is not just an accounting problem. It makes it nearly impossible to read your own numbers accurately when it matters most.
Reviewing finances quarterly, not monthly
Three months is too long to notice a drift. By the time a quarterly review catches a problem, it has usually been expensive for eight weeks.