Zira
PCMN financial planning for Belgian SMEs (SRL/SPRL)
Financial planning, guided and compliant.
— Capabilities
5-Step Wizard
Revenue streams, operating charges, HR costs, investments, and loan structures: guided input with validation at every step.
Full Financial Projections
Automatically generates Profit & Loss, Cash Flow, Balance Sheet (Bilan PCMN), TVA declarations, and break-even analysis.
Multi-Year Planning
Carry-forward calculations between years. Plan growth, investments, and financing over your full business horizon.
Belgian Fiscal Rules Built In
ONSS rates, ISOC corporate tax, VAT regimes, and depreciation schedules, all handled automatically.
Synthesis Dashboard
Multi-year KPI trends, year-over-year comparisons, and visual indicators to spot issues before they become problems.
PCMN-Compliant Output
Every projection follows the Plan Comptable Minimum Normalisé. Ready for accountants, advisors, and regulatory submission.
- A / 01
Entrepreneurs preparing a plan financier for Belgian company incorporation (SPRL/SRL)
- A / 02
Business advisors and accountants building financial projections for clients
- A / 03
Small business owners planning growth, investments, or loan applications
Questions worth asking.
What is PCMN?
Plan Comptable Minimum Normalisé, the Belgian normalized chart of accounts. Every Belgian company must produce its annual accounts in PCMN format. Zira generates PCMN-compliant projections so your plan financier matches what you'll actually file.
Does Zira handle ONSS and ISOC automatically?
Yes. ONSS social-security rates per worker category, ISOC corporate tax brackets, VAT regimes, all built in and updated as Belgian law changes. You enter your salaries; Zira handles the fiscal layer.
Can my accountant use Zira?
Yes. Zira is designed to be shared. Export PCMN-compliant projections, P&L, cash flow, and balance sheet in formats your accountant already works with.
How is Zira different from an Excel template?
Excel templates break when assumptions change: formulas drift, year-on-year carry-forwards get manual. Zira guides you through five validated steps and recalculates everything when you tweak a number, so projections stay coherent.
Is Zira ready to use today?
Zira is in active development. Join the waiting list at [email protected]. Early users get hands-on onboarding and influence the roadmap.