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Gerir financeiramente uma pequena empresa não é sobre planilhas bonitas — é sobre decisões com dados. E para isso, cinco pilares precisam estar no lugar.
1. Separação PF e PJ
Conta da empresa é da empresa. Misturar é o erro número 1 e o que mais distorce qualquer análise.
2. Fluxo de caixa projetado
Pelo menos 90 dias à frente, atualizado semanalmente.
3. DRE gerencial mensal
Saber quanto custa operar, quanto sobra de margem e onde o dinheiro está indo.
4. Precificação correta
Margem por produto, ponto de equilíbrio e composição de custo fixo vs variável.
5. Reserva operacional
"Reserva de 3 a 6 meses de custo fixo é o que separa empresa que dura de empresa que sobrevive."
Educação empresarial não é luxo — é o que protege a empresa nas curvas. Conheça nossos cursos online.