Detailed 5-year financial business plan, including an initial bank loan of 10 million EUR and a return on investment (ROI) analysis.
| Item | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 |
|---|---|---|---|---|---|
| Revenue | details | details | details | details | details |
| MowElit Program | 5,000,000 | 12,000,000 | 25,000,000 | 40,000,000 | 60,000,000 |
| Cybersecurity Audits | 583,000 | 1,200,000 | 2,500,000 | 4,000,000 | 6,000,000 |
| Patent and License Sales | 0 | 50,000 | 500,000 | 1,500,000 | 3,000,000 |
| Total Revenue | 5,583,000 | 13,250,000 | 28,000,000 | 45,500,000 | 69,000,000 |
| Expenses | details | details | details | details | details |
| Variable Costs (20% of revenue) | 1,116,600 | 2,650,000 | 5,600,000 | 9,100,000 | 13,800,000 |
| Fixed Costs (Salaries, Rent, Marketing) | 3,000,000 details |
3,500,000 details |
4,000,000 details |
4,500,000 details |
5,000,000 details |
| Interest on Bank Loan | 300,000 | 240,000 | 180,000 | 120,000 | 60,000 |
| Total Expenses | 4,416,600 | 6,390,000 | 9,780,000 | 13,720,000 | 18,860,000 |
| Profit Before Tax | 1,166,400 | 6,860,000 | 18,220,000 | 31,780,000 | 50,140,000 |
| Taxes (25%) | 291,600 | 1,715,000 | 4,555,000 | 7,945,000 | 12,535,000 |
| Net Profit | 874,800 | 5,145,000 | 13,665,000 | 23,835,000 | 37,605,000 |
| Operating Cash Flow | 874,800 | 5,145,000 | 13,665,000 | 23,835,000 | 37,605,000 |
| Loan Amortization | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Available Cash Flow | -1,125,200 | 3,145,000 | 11,665,000 | 21,835,000 | 35,605,000 |
| Cumulative Cash Flow | -1,125,200 | 2,019,800 | 13,684,800 | 35,519,800 | 71,124,800 |
The initial bank loan of 10 million EUR is fully repaid over 5 years.
The Cumulative Cash Flow becomes positive starting in Year 2, indicating that the company begins to generate net profits exceeding its costs and loan amortization.
After 5 years, the Cumulative Cash Flow reaches 71,124,800 EUR, demonstrating a significant return on investment.