ECOFISC

Ecofisc is a fiduciary firm in Marche-en-Famenne, based in Marloie and founded in 1987. Pierre Collard, an accountant, is its founder and manager. He works with Grégory Blanche, an ITAA approved accountant, and three bookkeepers: Justine Stilmant, Morgane Gralinger and Maeve Winant. The firm starts from a simple idea: a business decision, whether an investment, a hire or a dividend, also has consequences for the owner's private assets. It therefore reads both situations together, rather than stopping at the year-end close and the filing of the return.

The foundation consists of four lines of work. The first, bookkeeping and balance sheets, includes full paperless processing: the client photographs documents and the firm handles them. It adds quarterly dashboards with commentary, interim statements before an important decision, and the timely closing, filing and publication of annual accounts with the National Bank.

The second, tax and strategy, covers personal income tax, corporate income tax and VAT returns. It comes with annual tax planning and an optimisation of the owner's pay, which weighs salary, dividends, benefits and pension commitments each year. In a tax audit, the firm prepares the file, stands beside the manager and responds to the authorities.

The third concerns formation and structuring. Self-employed, SRL or management company: the choice of legal form rests on a financial plan intended for the notary and the bank. Ecofisc also helps choose when to incorporate and supports start-ups and buyers of existing businesses with formalities and first dashboards. The fourth, management advice, turns figures into decisions: profitability by product, site or client, cash flow forecasts and costed scenarios before an investment.

Four bridges extend this foundation. In real estate, the firm compares buying through a company or privately, split ownership, usufruct and rental income before signing at the notary. In tax law, it prepares restructurings, agreements between companies, rulings and disputes with tax lawyers. Succession planning deals with gifts, succession pacts, partnerships under common law and the transfer of the family business. For bank credit, it builds the financial plan, works on the ratios and takes part in negotiating the terms.

Collaboration follows three steps. A free 30-minute diagnosis reviews the structure, tax position and projects and gives three avenues for improvement, whether or not the visitor becomes a client. A written action plan then states the planned work, its cost and the monthly fixed fee. Follow-up relies on a quarterly review, alerts ahead of deadlines and a stated reply within 48 hours.