The management tools
- The 13-week cash flow forecast, week by week, which you update yourself
- The diagnosis of the causes, in 2 pages, without jargon
- The 100-day action plan, costed, with owners and dates
- The tracking dashboard, every week
100-day plan · Bank-ready file A plan your bank can follow, and one you can deliver.
In 4 to 6 weeks, an executive from our team builds with you the 13-week cash flow forecast, the costed action plan and the file for your bank, Bpifrance (the French public investment bank) or the CCSF (the French committee that grants payment plans for tax and social security debts). They then present it alongside you.
Fixed fee from €12,000 excl. VAT · about 10 days of work · start within 2 weeks.
Let's talk about your situation
First conversation free and confidential
When this plan becomes urgent
Your bank, a funder or a creditor is waiting for a plan.
The earlier it comes, the more options remain open: rescheduling, new financing, spreading debt repayments, an out-of-court procedure.
- 01
The bank asks for a forecast
Before renewing an overdraft or a credit line, or granting a new loan.
- 02
Difficult repayments
Loan repayments weigh too heavily and a rescheduling has to be negotiated.
- 03
Tax and social security debts
Deferred payments that need to be spread out, with an application to the CCSF.
- 04
A financing need
A Bpifrance loan, a shareholder contribution or restructuring financing to secure.
- 05
An out-of-court procedure in sight
A mandat ad hoc or a conciliation (confidential, court-supervised negotiations with creditors) is being prepared, and a solid plan is needed for the negotiation.
What you get
A complete file, and a plan your teams own.
Not one more report to file away: management tools you use from the very next day, and a file your banker can read in 10 minutes.
The file for your partners
- A 4- to 6-page summary note: situation, causes, plan, need
- The resulting 12-month forecast
- A 10-slide presentation for the meeting
- Preparation of answers to objections, and our presence at your side
Matsu Conseil is neither a law firm nor an accounting firm: we work with your expert-comptable (chartered accountant) and, if needed, your lawyer or the professional appointed by the court.
How it runs
From cash flow to the meeting, in 6 weeks at most.
About 10 days of work, on site and remotely, at the pace set by your deadline.
- W1
Secure
The 13-week cash flow forecast and payment priorities, first.
- W2
Understand
What costs money, what leaks, what works: the causes, quantified.
- W3
Decide
The 100-day action plan, built with your teams.
- W4
Formalize
The 12-month forecast, the summary note and the presentation.
- W5
Present
The meeting with the bank, Bpifrance or the CCSF, at your side.
Practical details
One fixed fee, one timeframe, one point of contact.
The scope is defined during a first conversation, free and confidential, then confirmed by a quote.
Fixed feeFrom €12,000 excl. VAT
about 10 days of work, excluding travel expenses.
Duration4 to 6 weeks
aligned with the deadline set by your bank or your creditors.
StartWithin 2 weeks
of the first conversation.
LocationOn site and remotely
secure data exchange.
And afterwards? Weekly steering (€2,400 excl. VAT per month) monitors the execution of the plan, or an interim manager runs it day to day.
Not ready for an assignment yet? Start remotely with a 13-week cash flow check-up (€1,290 excl. VAT) or a second opinion on your plan (€990 excl. VAT), deducted if you continue.
Frequently asked questions
The 100-day plan: your questions.
What business leaders ask us before presenting a plan to their bank. See also our guide company in difficulty: what to do?
Why a 100-day plan?
Because it is the horizon bankers and creditors follow: short enough to be credible and measurable week after week, long enough for the first actions to have an effect on cash and margin. It then serves as the basis for the 12-month forecast.
What does a bank ask of a company in difficulty?
Above all, visibility: a reliable cash flow forecast, an honest explanation of the causes, a costed action plan with dates and owners, and the precise financing need that results from it. That is exactly what the file we build with you contains.
Can you come with me to the meeting with the bank?
Yes, it is included. We prepare the arguments and the answers to objections, then an executive from our team accompanies you to the meeting, with your bank, Bpifrance or the CCSF. You present your company; we are there for the figures and the method.
What if I have tax and social security debts?
The CCSF (commission des chefs des services financiers) can grant payment plans spreading tax and social security debts, confidentially. The file we prepare can also be used for this application.
How much does the 100-day plan cost?
It is a fixed fee starting at €12,000 excl. VAT, for about 10 days of work spread over 4 to 6 weeks, excluding travel expenses. The quote, drawn up after a free first conversation, specifies the scope. If you have already completed a Matsu Essentiel kit or the flash audit, the amounts paid are deducted.
Do you guarantee the bank's approval?
No, and no one can honestly guarantee it. What we guarantee is a serious file, figures that hold up and a plan you are able to execute. That is what gives your bank the best reasons to back you.
100-day plan, mandat ad hoc, conciliation: what is the difference?
The 100-day plan is management work: it is useful to you in every case. The mandat ad hoc and the conciliation are amicable, confidential procedures opened by the president of the court, with the help of a court-appointed professional. If one of them is being considered, the plan becomes its basis. See our guide mandat ad hoc, conciliation, sauvegarde (safeguard proceedings).
Is your deadline approaching?
Let's talk about your situation.
A first conversation, free and in complete confidence, to gauge how much time you have and what your bank expects. Start possible within 2 weeks.
Confidential conversation · callback within 24 business hours