Steer your SME's budget through the windscreen, not the rear-view mirror.
Stop waiting for your accountant's year-end figures to make decisions. Simulate your choices before you sign them, put the plan up against reality every month — and sleep better at night.
Free, no credit card required.
Automatic cash-flow plan and scenarios: by the end of the year
Looking for an automatic cash-flow plan and side-by-side scenarios? Let's be straight with you: they haven't shipped yet — they arrive by the end of the year. Everything else on this page, however, already exists: actuals vs forecast, simulations through named variables, dashboards and a generated income statement. Plenty to take back the wheel today.
36%
of French SME leaders reported, at the end of 2025, that their cash position had deteriorated over the previous three months
(Bpifrance Le Lab – Rexecode barometer, 2025)
Nearly 70,000
French businesses failed in 2025 — the highest level in twenty years
(Altares, 2026)
14 days
the average payment delay on invoices in France — a European record
(Altares, 2025)
Your accounting looks backwards. Your decisions happen up ahead.
Your accountant does an excellent job: they tell you, a few weeks after the fact, what happened last month. But who tells you whether you can hire that sales rep next month without pushing the company into the red?
The accounts always arrive too late
Invaluable for compliance, useless for deciding: by the time the year-end accounts land, weeks after the fact, the decision to hire or invest is already behind you.
The spreadsheet cracks in silence
The home-grown tracking file is time-consuming and error-prone: one overwritten cell, one duplicated tab, and your forecast rests on a #REF! nobody spotted.
Decisions made on gut feel
Hire, invest, hold off? A leader's instinct is good. Instinct backed by data is better — especially when the economy no longer forgives mistakes.
A windscreen for your SME, not yet another spreadsheet
A leadership team aligned by Monday morning
Dashboards everyone can read — your marketing director and your head of HR included. No spreadsheet jargon: KPIs, charts and an income statement generated from your budget, always up to date.
- Dashboards tailored to each audience: leadership team, your bank, shareholders
- € / k€ / M€ views, monthly to annual, detailed or high-level
- A properly structured P&L (revenue, costs, EBITDA…) — zero copy-paste
Reality versus plan, every month
Enter your actuals and see at a glance where things are slipping. Variances are coloured by their real impact on your business: a cost that swells shows red, even if the curve goes up.
- Actuals vs forecast, line by line, with no double entry
- Variance analysis right inside your tables and dashboards
- A fast entry grid, built for the monthly ritual
Simulate the hire before you sign the contract
Every assumption is a named variable: fully loaded salary, start date, the cost of an
investment (e.g. $hr.salaries.average_consulting_salary). Change it once and the whole forecast recalculates — you see the impact before you
commit.
- One hire = one assumption: change it and the whole model follows
- Safe formulas: no #REF!, no cell overwritten by accident
- Plan 1 to 10 years ahead, in monthly, quarterly or annual view
Scenario comparison
Buy that machine outright or lease it? By the end of the year, you'll build scenarios A and B side by side and compare their impact on your forecast before you decide.
In the meantime, changing one assumption is already enough to test a decision in your current plan.
The questions SME leaders actually ask us
Do I still need my accountant?
More than ever. Your accountant looks in the rear-view mirror — annual accounts, compliance, tax — and nobody does that better. BeretPlan looks through the windscreen: forecasts, simulations, in-year variances. The two complement each other — and nothing stops you, starting today, from going through your dashboards with them.
How long does it take to get started?
One afternoon. You describe your business (services, e-commerce, SaaS…), and the AI assistant builds the first version of your plan and writes the formulas for you — the goal: a complete budget in under 2 hours. From then on, the monthly ritual boils down to entering your actuals.
Where does my data go?
Nowhere outside Europe. BeretPlan is a French solution, built in Toulouse, GDPR-compliant, with strict per-company data isolation down to the database level. Your numbers serve no one but you.
Can my external CFO access it?
Yes — on the paid plans, once they open: you'll invite them by email with a role — admin, write or read-only — and they'll review the budget, actuals and dashboards without any risk of overwriting a formula. We're launching with the Free plan, one user: more than enough to present the numbers in a meeting right now.
Take back the wheel.
Build your budget in an afternoon, test it against reality from next month — and make your next decisions through the windscreen.
Free, no credit card required