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Articles that help you make better decisions. A place where we share our insights and inspiration.

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A Bilvao colleague working through paperwork

Finance and financial management · February 3, 2026

Receivables management: how to avoid non-payers

Receivables management: how to prevent non-payment, set payment terms correctly and collect overdue invoices. Keep your company’s cash flow healthy. Practical tips.

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Workstations in the Bilvao office

Finance and financial management · February 1, 2026

Trade credit insurance: protection against non-payment

Trade credit insurance: how it works, what it covers and when it pays for a company to protect itself against unpaid invoices. Reduce the risk of insolvency. We can help.

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The Bilvao team around a shared table

Finance and financial management · January 30, 2026

Business financing: loan, leasing or factoring

Business financing: a comparison of loans, leasing and factoring, their advantages, costs and when to choose which. Choose the right source of money. We can help.

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Notes in a notebook beside a coffee

Finance and financial management · January 28, 2026

How to prepare your company for a bank loan application

How to prepare your company for a bank loan application: which documents the bank asks for, what increases your chances of approval and what to avoid. Get a loan more easily. We can help.

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A Bilvao team meeting

Finance and financial management · January 26, 2026

Company budget: how to plan costs and revenue

Company budget: how to plan costs and revenue, draw up a realistic plan and check it on an ongoing basis. Keep your company’s finances firmly under control. We can help.

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Bilvao colleagues reviewing a statement on screen together

Finance and financial management · January 24, 2026

Break-even point: when your business starts to pay off

Break-even point: how to calculate the point at which sales cover costs and your business starts to make money. A simple formula and a step-by-step example. We can help.

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Handing over a completed statement

Finance and financial management · January 22, 2026

Company valuation: methods and what affects value

Company valuation: which methods are used, what affects a company’s value and how to prepare for a sale. Find out exactly how much your company is really worth. We can help.

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Reviewing paperwork in a meeting

Finance and financial management · January 20, 2026

Subsidies and business support: where to look for funding

Subsidies and business support: where to look for EU funds and grants, who is eligible and how to apply. Get the finance to develop your company. An overview of sources. We can help.

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A Bilvao accountant working at her computer

Finance and financial management · January 18, 2026

Capital funds and paying them out to shareholders

Capital funds from contributions: how to create them, tax them and pay them out to the shareholders of a limited liability company (s.r.o.) as advantageously as possible. Avoid tax mistakes. We explain it simply.

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Bilvao colleagues at their workstations

Employment and labour law · January 14, 2026

Termination of employment: notice, agreement, immediate termination

There are several ways to terminate employment: notice, agreement and immediate termination. We explain which time limits apply, when severance pay is due and what to watch out for.

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Documents handed across a desk

Employment and labour law · January 12, 2026

Severance pay and retirement allowance: when you are entitled to them

Severance pay and the retirement allowance are not the same thing, and only some people are entitled to them. We explain when an employee is entitled to them, in what amount and how they are calculated from average earnings.

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Accounting software open on two monitors

Employment and labour law · January 10, 2026

Probationary period: rules and the most common misconceptions

The probationary period has its own rules and limits, which are often breached. We explain how long it can last, when it is extended and how to end the employment during it. We will show you how.

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