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Why bring in a financial consultant in Algeria?
Many Algerian SMEs run into financial difficulty not for lack of business, but for lack of rigorous financial steering. The order book is full, the accounting result is positive — and cash still tightens month after month.
The reason is almost always structural: profit measures performance over a period, cash measures a position on a date. A financial consultant works on the second as much as on the first — identifying levers, quantifying risk and documenting decisions.
What makes an engagement worthwhile. From our engagements, financial advisory is only worth what it leaves behind: a dashboard the manager maintains personally, assumptions traceable to their source, and a dated action plan. A report nobody reopens has changed nothing.
Our five areas of intervention
Full financial diagnostic
Analysis of three years of financial statements, identification of weaknesses, assessment of financial structure and debt levels. Deliverable: a prioritised risk matrix and a costed action plan.
Cash flow optimisation
Reducing the working capital requirement, revising customer and supplier terms, and setting up a rolling cash forecast maintained weekly over a quarter.
Financial restructuring
Reworking bank debt, preparing rescheduling requests and rebalancing the capital structure. Timing matters as much as amount: a request filed before the due date does not meet the same fate as a fix after an incident.
Funding strategy
Identifying suitable sources — bank credit, leasing, Islamic financing, institutional guarantees from FGAR and CGCI-PME, support schemes — and assembling the corresponding files.
Financial development plan
Three-to-five-year projections under three scenarios, a full financial model, and support for investment decisions.
Which intervention matches which need?
| Situation | Intervention | Indicative lead time |
|---|---|---|
| Cash under strain | Diagnostic + recovery plan | 5–10 days |
| Financing an expansion | Bank file + techno-economic study | 10–20 days |
| Eroding profitability | Cost and margin analysis by activity | 7–15 days |
| Merger or disposal | Financial due diligence | 15–30 days |
| Uncontrolled currency exposure | Exposure quantification and hedging options | 5–10 days |
Indicative lead times observed on our engagements, from receipt of a complete file. They are not a contractual commitment.
Currency risk is not inevitable. Bank of Algeria Regulation No. 20-04 of 15 March 2020 covers, among other things, exchange-risk hedging instruments. Those instruments therefore exist within the Algerian regulatory framework. From our engagements, they remain little used by SMEs — most often because the question was never put to the bank.
How does an engagement run?
Scoping — free of charge
A one-hour discussion to define the real problem, the question to settle and the documents required. Outcome: a written scope and a quote. No commitment.
Collection and restatement
Financial statements, bank repayment schedules, aged customer and supplier balances, structuring contracts. Data is restated before analysis: that is where most discrepancies surface.
Analysis and modelling
Building the financial model and scenarios. Every assumption is traced to its source — quotation, contract, statement or regulatory text.
Presentation and handover
Conclusions presented to management, model and dashboard handed over, training on how to update them. The tool stays with you and remains usable without us.
What we do not do. We do not keep your books, we do not audit your accounts, and we guarantee no credit decision: that rests solely with the banks, under their own policies and the applicable regulatory framework. Our role is to make your file defensible and your decisions documented.
Ready to start?
First consultation free and without commitment — response within 24 hours.
Frequently asked questions
When cash is under strain, before any significant investment, when applying for bank financing, if profitability is eroding, or during a restructuring. The most useful moment is always the earliest: a squeeze anticipated can be managed, a squeeze endured is negotiated from weakness.
A full financial diagnostic starts from DZD 80,000. For ongoing monthly support, our fees range between DZD 30,000 and DZD 100,000 depending on intensity. Initial scoping is free and leads to a written quote before any commitment.
Yes. We prepare files against the eligibility criteria published by FGAR and CGCI-PME and align them with the bank file. We play no part in those bodies' decisions: our work concerns the quality, consistency and completeness of the file submitted.
Yes. Engagements combine remote meetings with on-site visits where the file requires it — particularly for field verification in market research or for a production-asset inventory.
The financial model, the cash flow dashboard and the costed action plan, in a format your team can update itself. Traceability of assumptions to their sources is part of the deliverable: that is what makes the file defensible in front of a third party.
🔎 Sources and references
- Regulation No. 20-04 of 15 March 2020 on the interbank FX market, currency treasury operations and exchange-risk hedging instruments — OJ No. 16 of 24 March 2020 — Official Journal of Algeria · Verified on 03/08/2026
- Guarantee coverage terms and eligibility criteria — FGAR — SME Credit Guarantee Fund · Verified on 03/08/2026
- SME guarantee — eligibility criteria, eligible loans, ceilings and security — CGCI-PME · Verified on 03/08/2026
- Algerian Investment Promotion Agency — institutional portal (one-stop shops, investment files); Executive Decree No. 26-153 of 14 April 2026 reorganising AAPI — AAPI · Verified on 03/08/2026
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