Smarts Guide Logo
Smarts Guide

Clear Pricing for Real Financial Stability

We've spent years helping Belgian businesses get their finances sorted. Not with fancy promises or complicated jargon—just practical analysis that actually makes sense for your situation.

Our pricing reflects the time and expertise needed to understand your specific financial landscape. We work with businesses across Wallonia and Flanders, adapting our approach to your industry and complexity. No hidden fees, no surprise charges.

Choose Your Analysis Package

Different businesses need different levels of detail. We've structured our services around what actually works in practice, not what looks good on paper.

Foundation Check

For smaller operations or businesses just getting started. Covers the essentials without overwhelming detail.

€890 one-time
  • Basic cash flow examination
  • Expense pattern review
  • Risk identification
  • Written summary report
  • One follow-up consultation
  • Email support for 30 days
Get Started

Ongoing Partnership

For businesses that want continuous financial monitoring and proactive guidance throughout the year.

€560 per month
  • Monthly financial stability reviews
  • Real-time concern flagging
  • Strategic planning support
  • Unlimited consultations
  • Custom reporting schedule
  • Priority response times
  • Annual comprehensive assessment
Discuss Partnership

What Each Package Actually Includes

Here's a straightforward breakdown. We believe in being transparent about what you're getting.

Analysis Component Foundation Check Complete Analysis Ongoing Partnership
Cash Flow Assessment Basic review Full analysis Monthly monitoring
Risk Identification
Scenario Planning
Implementation Roadmap Summary only Detailed plan Evolving strategy
Follow-up Sessions 1 session 3 sessions Unlimited
Support Duration 30 days 90 days Continuous
Custom Reporting Standard format
Priority Response

How We Work Together

Our process is designed to minimize disruption while gathering what we need to give you useful insights.

1

Initial Conversation

We start with a straightforward discussion about your business. What concerns you? What keeps you up at night financially? This helps us understand whether we're a good fit.

Usually takes about 45 minutes. Can be in person at our Seraing office or via video call. We don't use this time to sell—just to listen and understand your situation.

2

Document Review

You send us your financial documents. We know this feels vulnerable—sharing your numbers with someone new. We treat everything with complete confidentiality.

We'll give you a clear checklist of what we need. Bank statements, invoices, expense records. Don't worry about perfect organization—we've seen it all before.

3

Deep Analysis Phase

This is where we dig into the numbers. We look for patterns, risks, opportunities. Takes about 2-3 weeks depending on complexity and the package you've chosen.

We might reach out with questions as we work. Sometimes numbers tell different stories, and we want to understand the real context behind them.

4

Results Presentation

We present our findings in plain language. No financial jargon overload. We explain what we found, why it matters, and what you might consider doing about it.

You'll get a written report you can refer back to, plus this conversation where we can address your immediate questions and concerns.

5

Implementation Support

Depending on your package, we stay involved as you start making changes. We're available for questions, clarifications, and adjustments as you put recommendations into practice.

This isn't about holding your hand through every decision. It's about being there when you hit unexpected complications or need a second opinion.

What Business Owners Tell Us

"

I'd been avoiding looking at our finances properly for months. Skillova made the process less scary than I expected. They found three areas where we were losing money without realizing it.

LV
Lotte Vermeulen
Restaurant Owner, Antwerp
"

The Complete Analysis was worth every euro. They gave us a roadmap we could actually follow, not some theoretical business school stuff. We've been implementing their suggestions since March 2026.

BD
Bram Devos
Manufacturing Director, Liège
"

What I appreciated most was their honesty. They told us which issues needed immediate attention and which ones could wait. That kind of straight talk is rare.

EW
Elise Wouters
Consulting Firm Partner, Brussels
Financial analysis workspace showing detailed reports and documentation Business consultation session with financial planning materials Professional financial assessment meeting with stability analysis charts