bfin group business plan
TRANSCRIPT
BFIN GROUP BUSINESS PLAN 2020- 2022
SUMMARY
Part 1
1. Business
1.1 Data processing for financial / office industry
1.2 Data processing for medical industry
1.3 Processing communication worldwide
a. Shareholders
b. Risk factor
c. Offices
d. Our corporate web sites
e. Business overview
f. Financial value, reporting and management reviews
Part 2
1. Market information
a. Market size
b. Market opportunities, strengths & weaknesses
SOMMARY
Part 3
c. Year marketing & financial plans
a. Objective
b. Policy & principals
c. Financial
d. Strategies
e. Products
f. Place
g. Price
h. Promotion
i. Packaging
j. Property
1. BUSINESS
BFIN facilitating data processing by application : software created and developed by BFIN.
CLOUD SOFTWARE : • Applications cloud base • Laptop cloud base • Relating device tools
Part 1
1.1 DATA PROCESSING FOR FINANCIAL / OFFICE INDUSTRY :
ACCOUNTING – OFFICE SOFTWARE – DEVICE SOFTWARE – RELATED DEVICE
Invoicing
Application
Expense
Tracker
GL
Accounting
Payroll.
HR
White
label
SoftDrive office &
hosting
IFRS GL
Accounting
Annexe
products: app
/cloud
Accounting
• 27.5bn
Office software
• 75bn
Software systems
• 20bn
Cloud space with software: app
• 128bn
P 1
(Product group 1) GL Accounting Payroll HR Invoicing
Application Budget Tracker
App
Micro small
business accounting
P 2
(Product group 2) Cross selling
P 3
(Product group 3) Note pad
office Cloud
documents
Secured document
signature access
Other apps utile for office also
one unique interface to
Softdrive products
OUR PRODUCTS Financial office market P1 P2 P3
Softdrive white label
products for the
professional market
Where professionals brand
software products via unique
software systems in cloud
1.1 DATA PROCESSING FOR FINANCIAL / OFFICE INDUSTRY MARKET SIZES BRIEF REVIEW :
Accounting : worldwide market size is 27 500 000n for accounting and annex software.
Office software : worldwide market size is 75 000 000 for cloud office and annex software.
Software systems : worldwide cloud space is worth of 20 000 000 plus for software systems.
Cloud space : worldwide cloud space is worth in excess of 128 000 000, this is also associated to office word software (Softdrive write),
documents, signing contracts, hosting of secured business data, here Softdrive.
All providing access for specializing companies creating niche markets, 0.05% of the accounting market equates to 13 750 000. Source : Microsoft, Sage QuickBooks, year end reports.
Accounting 27, 5 B
Office software
75B
Software systems
20B
Cloud space 128B
Market share objectives
13 750 000£
1.2 DATA PROCESSING FOR MEDICAL INDUSTRY
Secured data
processing by
application
Med scan zip BS PCAC
In development
1.2 DATA PROCESSING FOR MEDICAL INDUSTRY
Some medical information
Prothesiste 250 000 000
Hospital Wold wide
19 217
Nurses
19 300 000
Medical doctors
15 000 000
Dentist
1 000 000
Some relevant information :
108M donate blood daily
421M hospitalization per year
15B visit doctors word wide
5 B + blood sample diagnostic minimum per year
15 BT blood pressure diagnostic per year
10 BT scans per year
Source wild health organization statistic report 2011
Market objective
7 000 000+£
3 applications
Dentist, scan, data processing
Medical data processing
diagnostics
Research & development capital
Intern & EU assistance
Research and development data processing for the medical industry Softdrive is developing a med scan zip (to share X-Rays, scans, scan video at site of incident and share for quick reaction)
app in cloud, with and additional two apps named BS and PCAC for discretion.
Softdrive's aim is to facilitate diagnostic analysis by live immediate data processing applications.
The BFIN GROUP is also seeking to acquire data processing equipment & application.
Through research to develop data processing applications/products that assist in the diagnostic &
intervention of certain parameters for better instant
diagnostics for better precise intervention &
adaptations by the medical industry.
Secured data
processing by
application
Med scan
zip BS PCAC
In development
1.3 Processing communication worldwide
TELLPE-PE MOBILE PHONE ON APPLICATION Used as a supplement to any mobile plan worldwide.
Tell-pe is an International mobile phone permitting users to Call any landline worldwide [included in plan] Call any mobile number worldwide [included in plan] SMS [included in plan] Email [free]
MMS [free] 3 Way video chat [included in plan] Fax [included in plan] HOW THE USER USE THE TELL-PE APPLICATIO, when active takes over the mobile screen like a mobile phone and gives users the above options : Its calls are made with wifi (any) or 3/4/5G connection. Advisable wifi as it is free. So normally mobile are connected to a G plan with phone plans limited to
specific areas and increase substantially when the user is outside that area. With Tell-pe our calls pass through a reputable Telecom company BT, and our plans are prices reasonable at same price of a local call practically. Our plans are in value 5, 10 to 50$ allowing users to use when they need and their credit is debited according to use. ADVANTAGES Tell-pe an alternative to clients home mobile plan Prices worldwide are very competitive, no home plan can match
Prices are fixed, dial from wherever you are Only app that allows emailing, fax, video 3. It saves the user by buying a local sim card It connects to any wifi, McDonald, hotels, any wifi. Plans never expire, only once used they need to per topped up Tell-pe is cloud based with a unique system ensuring no bugs, no downtime and low cost Those receiving the call do not need to be inscribed as a Tell-pe member.
Naturally calls, video, chat, sharing are free between users
a. Shareholders
BFIN GROUP PLC
BFIN SASU HQ operations
(France - EU)
BFIN LTD (UK Commonwealth)
BFIN IT PVT LTD (Bangladesh)
SOURCE FUNDS VIA INTERN SALES OR INCREASE SHARES CAPITAL
BFIN GROUP PLC (Head office)
BFIN SASU (HQ) Marketing sales, research and technical development and support.
Head quarters (HQ) for marketing, sales, product research & technical support.
BFIN IT PVT LTD (technical support accounting).
BFIN LTD (UK commonwealth, accounting).
White label platform.
Head office
BFN 375 000 000.00
units
Shares
7.063 000 £
Market value
including goodwill
France
Present Marketing, technical and support offices
UK
Bangladesh
b. Risk factors
The company is concentrating its activities within niche markets, cross
selling to different users to spread the risk. Each market needing trusted
solid base –trusted brand image- developed products that function to
market expectations. These products take time to develop: Which in-turns
limits market competition! Thus entry is slow and is limited due to technical
aspect, even though the market size allows niche market for cultivated
products.
Spreading the product portfolio across three different markets (cross
selling to separate users) and long-term life span products supported by
continuous technology advancements updates with free user support
creates niche stable homogeneous segments in this heterogeneous
markets.
The office software market could be separated (reduce user risk), however option for user integrated with
accounting software via a central management cloud based hosting account per user. This facilitates trusted brand
building and cross-market selling to one user of which policy will be driven to create more users.
Client accessing their products : POS, accounting, invoicing, office tools that includes documents hosting (filing), signing
of contracts by the users client in a secured environment, allows viewing or transfer to clients via secured
downloading onto their device. One cloud account with one management panel for accounting, office, annex products
and features. Products in pipeline med-scan, Softdrive write.
Risk Management
Refer to marker stress
Down turns
The compliance procedure
The inter business structure section
Company objectives
Maintain low cost structure
Growth for profit rather than growth at all
cost
At present the company has no finance
commitment to any institution.
All future funding searched internally.
The possibility of sourcing funding from the
market to increase capital.
Market risk reduction objectives
Defined well research developed products on
par with competitors
Product ranges spread over different
markets to different users
Product growth for profit
Maintain the low cost structure
Management risk reduction objectives
SM responsibility: SM's defined
responsibly are noted in the register.
SM (3) to sign high level risk documents. All
other documents must be counter SM
(2) signed.
Outsourcing is limited to hosting & risk
reduction is in the form of backups. There are
backup internal servers backing up the system
daily.
Security system policy is covered
in GRC framework. Technical development
Ensure own coding, develop own source, back
end for all tools used in BFIN software thus
reducing risk.
No plug-in or other source used in our back
end.
Cost effectiveness policy means controlling cost and profits spent, a capital retention policy is in place (50% of
profits retained of which 20% to reserves and 30% for reinvestment). Thus a strict remuneration policy is needed and
large incentives based on performance are high cost orientated and not company policy. A fixed income base system is
preferred with yearly bonus annual (13 the check) pay check (Xmas or festive periods) is set at the only other fixed
variable related to overall company performance [year average objectives realization % using Sales turnover, profits cost
savings, and client retention % to calculate the payment level to maximum of user satisfaction, risk management, and
staff participation continued performance. Paid out as a one year bonus (Xmas) each year, maximum to 13 pay check or
twice ( 50% ) at the two respective festive periods. When available staff shares options are not bonus orientated and a special % reduction is allowed on the share price
at time of purchase. Thus staffs buys their shares, which generates a motivation factor in protecting their investment
and company.
e. Offices
Thus BFIN operation companies marketing and supporting
the brands will structure itself for the opening of trading and
support. Offices around the world in strategic locations
pertaining to each continent, market size and value. Creating
client embedment stability, product adaption at ground level
and product support reliability.
TRADING HEAD OFFICE
BFIN GROUP PLC
Registration n° 12070052 England 21-22, 2ND FLOOR, GREAT CASTLE STREET
LONDON
W1G 0HZ
UNITED KINGDOM
Sales tax is not charged to BtoB client’s for the European Union and other International clients, but is charged from B to
C clients globally.
BFIN SASU HQ the sole operator
of www.softdrive.company for better management of the
Group’s sales revenue, grouped customer paying and pertaining client service, thus managing and centralizing
compliance and maintaining keen market prices for BFIN
products.
For compliance and country regulations some of the BFIN
operating companies are obliged to have their dedicated
payment account (PayPal or other).
THE BFIN GROUP
BFIN SASU (HQ) operations
Registration n 5352217731 – Montpellier France
Registration Address 8 rue de Dublin, 34200, Sète, France
PayPal [[email protected]] Merchant account
ID CXBRG4S7WVJZQ
Payments by bank transfer; email Invoice/payment link :
Request payment details
Sales and support for EU, North & South America, Canada, all
non-commonwealth countries internationally.
Payments by bank transfer; email Invoice/payment link : And
Technical support to BFIN operational companies.
Contact 0033666100010
Other Operational Companies
Sales and support for EU, North & South America, Canada.
BFIN LTD
Registration n° 09300539 Registration Address 2 Floor, 21-22 Great Castle Street,
London W1G 0HZ
White label Sales and support for British Commonwealth;
England, Wales, Scotland…. Payments by bank transfer or request email Invoice/payment
link.
Registration number 09300539 England
Contact 00447967183595 or 0033666100010
BFIN IT PVT LTD
Registration n° C –150397/2019 – Bangladesh Address 2/23, Razia Sultana Road, Mohammadpur, Dhaka –1207
Technical support to BFIN operational companies
Contact: +8801632374141
BFIN (HQ) SASU or form new holding
BFIN GROUP PLC & BFIN LTD UK)
BFIN IT PVT LTD (Dhaka, Bangladesh)
Opening soon 2020-2021 :
United States
China
Philippines
Brazil
Present Offices :
Opening soon: 2021-2023 :
Canada
Africa
Oceanic Bangalore
Market research facilitates the opening of sales and support offices in target markets location such as :
f. Our corporate website
Principal corporate site bfin.company is a summary of our products and services. Major operating sites are Softdrive
and EasyBooks.
OFFICIAL PRODUCT WEBSITES
EASYBOOKS Sales at www.easybooks.company low priced software applications cloud base for very small micro businesses.
EASYBOOKS User login
www.easybooks.technology
SOFTDRIVE Sale at www.softdrive.company
SOFTDRIVE User
Login www.softdrive.technology
WHITE LABEL BY SOFTDRIVE
WHITE LABEL ACCOUNTING SOFTWARE
SOFTWARE FOR ACCOUNTANTS
PROFESSIONAL ACCOUNTING ADMINISTRATION PANEL
Add your own branded software to your services for added value.
Brand & create your white label accounting software.
Create & manage clients subscription accounts.
Create subscriptions on the fly with 100% control on the branding.
Manage & control the subscription from a central admin accounts.
Comes with a robust ticketing system to provide end user support.
TELL-PE
g. Business overview
MISSION Facilitating data processing via applications
and software for niche markets.
BUSINESS REVIEW The below financial data includes the
following products GL accounting, white
label, payroll 5/10/25, Payroll HR, and
invoicing applications.
RESEARCH AND DEVELOPMENT Research and developing Medical data processing applications for the medical industry
The pertaining Market Business plan will be finalized prior to market launch once these 3 products are completed.
All other Business research and development cost are integrated in the above financials.
PROJECT NAMES BIOMA Dental form
BIOMA Z
BIOMA B
Through research to develop data processing
applications/products that assist in the diagnostic &
intervention of certain parameters for better instant
diagnostics for better precise intervention &
adaptations by the medical industry.
Secured data
processing by
application
Med scan
zip BS PCAC
In development
h. Financial value
FINANCIAL REPORTS
The first BFIN company was registered on the 7 November 2014 (even though research and development started well
before), for France 2011 . Bangladesh as a sub office of BFIN SASU 2015 and the registered company IT PVT LTD in 2019.
Initial cost incurred development staff and operational cost were paid by the founders. These
amount transacted to shares. Note the start-up development cost were born by the founders since 2004. Active full
operations start in 2019.
Details
Profit for the year
Other comprehensive
income
12 000 15 000 15 000 Property gains
2020 2021 2022
50 000 120 000 350 000
62 000 135 000 365 000 Comprehensive income for year
Comprehensive income net of
tax 52 000 135 000 290 200
ESTIMATION CONSOLIDATED STATEMENT Of comprehensive and other income for the year ended 30 September 2019
Comprehensive income to
shareholders 73 000
Details 2020 2021 2022
Comprehensive income to
reserve 15 600 40 500 109 500
Comprehensive income market reinvestment
36 400 94 500 109 500
2020 2021 2022
Property holdings 160 000 500 000 1 000 000
Software equipment devices 50 000 30 000 25 000
Intangible assets software 766 000 866 000 1 051 000
Intangible assets software
including market value /
goodwill
6 701 000 8 710 000 9 710 000
Shares in operating or
subsidiary 6 000 12 000 20 000
Sub total non current assets 7 692 000 10 118 000 11 806 000
0 2 000 000 4 000 000 6 000 000 8 000 000
10 000 000 12 000 000 14 000 000
Estimation consolidates financial statement before share issue
Non current assets
2020 2021 2022
Bank & funds in process 50 000 100 000 120 000
Inventories devices 5 000 20 000 30 000
Sub total current assets 55 000 120 000 150 000
Total current assets 110 000 240 000 300 000
0
50 000
100 000
150 000
200 000
250 000
300 000
350 000
Current assets
2020 2021 2022
Staff wages in process 50 000 100 000 150 000
Post employment benefits (medical,
pension holiday contribution) 15 000 30 000 70 000
Trade & other payables 5 000 10 000 30 000
Total liabilities 70 000 140 000 270 000
Total net asset 7 677 000 10 098 000 11 706 000
0
2 000 000
4 000 000
6 000 000
8 000 000
10 000 000
12 000 000
14 000 000
Current liabilities
2020 2021 2022
Ordinary shares 7 661 10 041 11 370
Other reserves 0 16 000 226 000
Retained earnings 16 000 41 000 110 000
Total equity 7 677 000 10 098 000 11 706 000
0
2 000 000
4 000 000
6 000 000
8 000 000
10 000 000
12 000 000
14 000 000
Equity
FINANCIAL SUMMARY
Estimation consolidates financial statement before share issue including goodwill
Non current assets
Current assets
Current liabilities
Equity
ESTIMATION CONSOLIDATES FINANCIAL STATEMENT BEFORE SHARE ISSUE INCLUDING GOODWILL
NON CURRENT ASSETS
2020 2021 2022
Property holdings 160 000 500 000 1 000 000
Software equipment devices 50 000 30 000 25 000
Intangible assets software 766 000 866 000 1 500 000
Intangible assets software
Including market value / goodwill
Total value with goodwill
3 423 745
3 286 352
6 701 000
3 947 250
4 762 750
8 710 000
4 247 450
5 752 260
9 701 000
Shares in operating or subsidiary 6 000 12 000 20 000
Sub total non current assets 7 692 000 10 118 000 11 806 000
CURRENT ASSETS
Bank & funds in process 50 000 100 000 120 000
Inventories devices 5 000 20 000 30 000
Sub total current assets 55 000 120 000 150 000
Total current assets 110 000 240 000 300 000
CURRENT LIABILITIES
Staff wages in process 50 000 100 000 150 000
Post employment benefits (medical, pension holiday
contribution)
15 000 30 000 70 000
Trade & other payables 5 000 10 000 30 000
Total liabilities 70 000 140 000 270 000
Net asset 7 677 000 10 089 000 11 706 000
EQUITY
Ordinary shares 7 661 10 041 11 370
Other reserves 0 16 000 226 000
Retained earnings 16 000 41 000 110 000
Total equity 7 677 000 10 089 000 11 706 000
Part 2
1. Market information
The first range of products has come to market, after going through a testing period successfully.
BFIN BRANDS
White label products
September 2019 On the market :
Payroll 5 , 10 , 25
Payroll HR
White label
Pay as you go
100£$€
TOP UP
January 2020
New simplified HTML invoice application (expected price 1€ $ £)
PAYROLL HR extension. Intelligent improvements
GL accounting with modules GL invoice application improvements with intelligence features, included upgrading and
creating of dedicated language per country domain with dedicated country reports plugged in and online reporting
features for each country.
April 2020
Relanch Tell-pe
September 2020
Softdrive office and hosting.
Cloud management hosting account, one client interface for SoftDrive write (note pad with office note pad features),
interface for all SoftDrive products, browser Office, product access and business hosting account (option to group clients
products) with features to store user documents, give access for users clients to sign in secured part, transfer documents.
Users client's access and download or read. Users write docs and more. [Note - Current estimated market value for office
cloud type products 20 000 000.000£. In production ].
November 2020
IFRS
2021
Medical data processing applications. (3 in at least two completed).
a. Market size financial office products
Online POS software and annex products
Office software, hosting and annex products Softdrive white label positioned here.
Accounting and related software. All data processing accounts, payroll positioned here.
Annex 3 calculation of market size
128.0BN
100.0BN
27.4BN
TBS Mobile wifi - processing communication worldwide
1a.
2a.
3a. TBA Medical applications, processing medical data
1b. Market opportunities & threats
Threats Competitors
30 days free offer by competitors (BFIN to
counter with startup packs, online assistant
demonstrations to encourage sales.
25 international competitors on market
(MKT size facilitates entry).
Extensive marketing spent
by competitors.
OPPORTUNITIES
Low risk market due to product usage time spam. Competitors need to offer major discount as they saturate in their niche cluster market with no advanced features
Offer whole product with grouped features to outclass low features products for price acceptability. Cross market value in excess of 67 billion.
Market share leader only has 5% of market . Stipulating that
domination is not possible. Creating niche market opportunity. Due to unemployment small owner business on the increase requiring easy apps cloud base accountings regulated to their market.
Cross market selling opportunities. Growing apps for small business from ground level up. Cultivate to local use age culture and regulations.
Impossible for any competitors to dominate market allows entry
Software becoming regulated for AML reasons.
THREATS
Competitors.
30 days free trial delays income.
25 competitors on market, only
5 have above standard products.
Seek capital via sales or source funding.
Once funds are secured install sales marketing support structure
per country. For product cultivation, presence, trusted supported
and training
Owner developed products with speed of adaptation for market
changes and regulation changers.
Low cost operation. Replace free demo by demonstration
meeting and startup pack to encourage purchase
No pressure, growth for profits.
Product quality and diversity serving cross market
opportunities.
Performing apps, cloud base for growing sole trader, freelance,
owner business.
Unemployment creating small business owner business app
market and cloud micro accounting.
Growing IFRS spreading to include SME.
STRENGHTS CREATING OPPORTUNITIES
Require capital for operations.
Require marketing Infrastructure
per country market to grow product
from ground up.
WEAKNESSES
STRENGHTS CREATING OPPORTUNITIES
Small learn structure adaptable to market changes
immediately.
Expendable at low cost.
Create startup pack with free offer for limited period
In house trained production staff.
Product creating and product base managed and controlled
by founders and trusted staff.
Low risk markets no pressure, growth for profit.
AML focus increasing use of invoice apps for small business
Require country presence for serious
trusted image.
Per selected country require marketing, support , compliance acceptance , product cultivation at ground level.
REQUIRE ATTENTION
Part 3
1. Year Marketing & financial plans
Mission Facilitating data processing via application software.
Creating software compliance products.
Create software crossing markets to increase client base.
Reduce risk with market retentions, economic segmentation.
Create quality regulated product.
a. Objectives
Units
70 000
Units
100 000
Units
150 000
2020 2021 2022
b. Policy & principals
Profit over growth rather than growth over profit policy.
Quality service perception.
Specifically cultivation per sought market.
Cost orientated policy.
Price at local currency.
c. Financials
objectives for AIM 17 810 625
7 677
52
70 / 375£
10 098
135
100 / 575£
3 027
201 / 1 161£
BL Net value
PL
Sales units
Legend :
To list on AIM in year 2025 2020 2021 2022
d. Strategies
GROWTH STRATEGY
Our growth strategy focuses on two key outcomes :
Manage and develop our own operating system with quality products accessible to small business and SME. To be presence on ground level at market location for support and sales.
Provide digital facility reporting for own accounting small business owners direct to respective reporting office.
To supply app on cloud for usage facility and access with no hidden cost.
Seeking loss leaders to drive profit growth forward (apps).
To innovate products and differentiate from competitors.
Organize the product portfolio into distinctive usage needs.
Apps to facilitate micro owner business.
Apps cloud base to provide one product that adapts to client growth and expansion needs. No need to switch products for expansion.
Thus with our vision globally, helping our customers expand their business to domestic and global markets, using the same base product with minimum cost expenditure.
• Creating, marketing and selling our product via Internet with ground level sales backup and support.
• Expanding and spreading our production points over three continents to reduce staff risk, increase security and market intelligence
productive products.
• Link desktop to cloud for efficient reporting and collect data for business units to one point.
• Products for speed of processing and adaptable to client markets.
• Segment market and offer adapting products to small owner business, SME and MLE.
• To enter the market passively with sound quality products and develop niche segments over the short, medium and long term.
• Based on our assessment of key technology and demographic trends – an increasingly borderless world, the prevalence of mobile
devices signifies apps to cloud base development.
• Creating network effect platforms and data centers with secure developed companies and creating central back up point to owner
server base for emergencies.
• Link cloud to desk top for offline use and intelligent updating back to cloud when reconnections is found.
• Create our own advertising platform with free applications. Meanwhile using cost effective platforms for brand awareness.
e. Products
PRODUCT STRATEGY
Create quality perception values for each product enabling client
retention and purchase motivation.
Create value added quality features to products for clients
retention
Create quality perception values; Focus on key points for retention
Offer multiple products for individual business needs in cloud hosting
account
Offer limited transaction basedfree product in place of free trial for captured updating.
Create long-term usage loyalty
Cross market selling to different users and same user
base
Services : offer continued support and training. Offer
language adaptation to market & price in local currency to facilitate
payment
Local market product adaptation to compliance and
reporting methods and features
Note strategy is specified and adapted per country
location/market sought
PRODUCTS STRATEGIES
GROUND LEVEL SALES STRATEGY
Each Installed office to facilitate :
Client, market liaison and compliance officer {Training, testing of products, public relations, regulated organizations
integration, and following regulations and adapting product. Ensuring and proposing new features from client feedback
and competitors monitoring to product development managers.
Trade Account Manager (marketing & sales) (2).
Market client sourcing officer (Telephone, email, Local Digital, SEO..).
MARKET IS GROUPED TO TWO CATEGORIES
EASYBOOKS is positioned to the segment - Very small micro business and personnel users with a selection of products
specifically to facilitate small business accounting, invoicing processing and POS interface built into the app both offering
the clients a free micro accounting program with the possibility of upgrading. free GL 10 which offers free processing of
60 transactions per module per year, once the they attain the level they must upgrade. here they join and open the account
directly via the application. The same system applies to Invoicing 2 which offers 20 free invoices per year.
SOFTDRIVE is position as creating software to business (SME & ML) with cross selection of
products for business use
It also offers a selection of free accounts, Invoice 2 (20 invoices) and GL 10 (60 transaction per module) and Payroll 2 (2
payslips - 24 per year)
Licenses
Where possible trade mark / license the specific product.
Tell-pe will be using the same offfices.
DEVELOPMENT
Our research team is sourcing and developing Product improvement with intelligent features continuously.
The BFIN team of researchers & developers focus on researching improvement for existing products, while at
the same time creating new products after extensive market research. The team is the companies market watch
dog for infringements on any BFIN products. They analyze and interpret developing market trends in their quest
for new ideas in data processing via application software. Note all BFIN products are built up from research
where ideas are developed, all product production is 100% intern.
f. Place
Target specific countries that present opportunities for each respective brand.
Each approach is cultivated to its specific market.
Place local offices in those markets that will represent significant sales for support, training and to promote brand
reliability, local support, trust and commitment.
Ensure trusted data research studies are taken prior to installation.
Seek merchants to resell product.
Distribution.
Direct and via selected merchants.
g. Global price strategy Price to sell
Financial products
Choose your plan
Starter package GL accounting GL accounting +
Details features
GL accounting 10 pack Free !!!
Micro freelancer soletrader
7.75€
Basic accounting 5.75€
SME acconuting 12.25€
SMLE 17.25€ SMLE 29.95€
Payroll HR products Payroll HR 50 29.95€
Payroll HR 75 59.95€
Payroll HR 150 149.85€
Payroll HR 300 209.80€
Payroll HR 500 269.75€
Price products competitively with price reduction for market entry by offering various coupons continuously. Offer
modules at base price to very small micro businesses for investment in their future potential success. Promote
support, investment and cost effective reliable software. Offer base to + add-ons to spread price to suite users needs.
Pricing policy to price in local currency and at level acceptable/affordable to end users there. Tell-pe prices (refer
individual plan) packages to suit all users from 5$ to 50$ on pays as you go system. For mobile wifi.
h. Promotion
Approach via Digital advertising, SMS, Emailing, SEO, classic Advertising, Ground sales and market. [Detail refer annex
3.2d specific to country market targeted]
• Seeking loss leader draw cards.
• Seeking peer leader recommendations.
• Social for direct brand awareness, purchase, education,
training and referencing.
• Seeking regulatory organization acceptance and
acknowledgement and certification of product.
• Online training videos.
•Online demonstration and visual presentations.
i. Packaging
Cloud base packing online web presentation.
Merchants base card presentation for store display.
Financial packaging.
Pay as you go
100£$€
TOP UP
Member ship fee
795£$€
First top up 50£$€
TELL-PE PACKAGING
j. Properties
Form BFIN Properties 100% owned by BFIN (HQ) to house Office location owned properties
reduces cost and capitalizes the monthly rent.
France - 2019 purchase of POP backup data centers 160000£. Spain, Brazil at least.
Detail 2020 2021 2022
Net operating profit for the year 50 120 350
Other comprehensive income 12 15 15
Total comprehensive Income for year 62 135 365
Total comprehensive income net tax 52 135 292
Dividends 73
Income attributed to reserve 15 41 110
Income for reinvestment 37 94 109
2019 2020 2021
Sales 5.36x70/375€ 5.75x100/575€ 5.74x150/862€
Cost of production 36 48 67
Gross Profit 339 527 795
Operational expenses 289 407 445
Operating comprehensive income 50 120 350
Other comprehensive income 13 17 18
Financial expenses 1 2 3
Investment expenses
Total other expenses 1 2 3
Total other comprehensive income 12 15 15
Net comprehensive & other income 62 135 365
ITEM OPERATING BUDGET EXPENSES FOR 2019 - CU000
0% 10% 20% 30% 40% 50% 60% 70% 80% 90%
100%
Sales Cost of
product
ion
Gross
profit
Operati
on
expense
s
Operati
ng
compre
hensive
income
Other
compre
hensive
income
Financia
l
expense
s
Investm
ent
expense
s
Total
other
expense
Total
other
compre
hensive
income
Net
compre
hensive
& other
income
2022 862 67 795 445 350 18 3 0 3 15 365
2021 575 46 527 407 120 17 2 2 15 135
2020 375 36 339 289 50 13 1 1 12 62
Item operating budget expenses for 2020
Detail of operations 2020 2021 2022
Gross profit 339 527 792
Subsidiary expenses 44 84 113
Rent 24 24 26
Salaries 164 198 247
Other expenses 8 12 16
Insurance 3 3 4
Communications 18 36 40
Travel utilities 26 48 60
Admin utilities 2 2 4
Total 289 407 442
Income from operations 50 120 350
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Gross
profit
Subsidi
ary
expens
es
Rent Salarie
s
Other
expens
es
Insuran
ces
Comm
unicati
ons
Travel
utilities
Admin
utilities
Total Income
from
operati
ons
2022 792 113 26 247 16 4 40 60 4 442 350
2021 517 84 24 198 12 3 36 48 2 407 120
2020 339 44 24 164 8 3 18 26 2 289 50
Details of operations
2020 2021 2022
517 500
1 285 500
1 513 500
EXITING THE INVESTMENT
The exit for your investment is your valuable input as a non-active or active shareholders in helping to add value to the
BFIN GROUP PLC and realizing our mutual objective of a AIM listing or reversal into a AIM listed small company within 5/6
from 2020.
Here shareholders may sell at rewarding returns. Prior to the listing the BFIN GROUP PLC shareholders will receive
dividends and those wanting to sell, could do so as BFIN would resell the shares for you.
ESTIMATED DIVIDENDS
BEFORE AIM
DEPLOYMENT OF
FUNDS
Place Place Amount
operation cost
Yearly Support Amount
Medical processing
application
Spain
-
-
Bangalore
120 000£
36 000£
Yearly
Yearly
EU (in process)
BFIN
1 000 000£
36 000£
White label platform UK
-
-
Bangalore
90 000£
(inclus)
Yearly
Yearly
BFIN
BFIN
90 000£
(inclus)
GL accounting &
payroll products
FR
-
-
Bangladesh
-
36 000£
-
Yearly
BFIN
BFIN
-
36 000£
New development
software office,
electronic signature,
cloud management
panel
FR
-
Bangalore
Bangladesh
-
included
-
Yearly
-
BFIN
-
282 000£
TOTAL 282 000£
0
500 000
1 000 000
1 500 000
Office cost
installations
Place Details Value Support Capitalizing an
office rents per
year
B1. Property
purchase
UK Office 175 000£ BFIN 20 000£
B2. Property
purchase
Bangalore Office 60 000£ BFIN 10 000£
B2. Property
purchase
Bangladesh Office 75 000£ BFIN 9 000£
B3. Property
purchase
Spain Office 140 000£ BFIN 15 000£
175 000
60 000 75 000
140 000
OFFICE COST INSTALLATIONS
Office cost
installation
Place Office Value Support Capitalizing on
office rents cost
reductions &
investment
group
B4. Property
purchase
Brazil Office 120 000£ BFIN 18 000£
B5. Property
purchase
China Office 270 000£ BFIN 20 000£
B6. Property
purchase
Canada / USA Office 245 000£ BFIN 20 000£
TOTAL 1 085 000£ 112 00£ plus capital growth. Creating stability at
clients location,
branding & saving on rental inflation
increases
Total cumulative development
282 000£
1 085 000£
Cumulative Total 1 376 000£
120 000 270 000 245 000
1 085 000
282 000
1 085 000 1 376 000
Material & data
center
Value
Property 300 000£
Installation (40 000£)
Technical (10 000)
Management VPN
Cumulative total 1 677 000£
Reserves 8 323 000£
Notes Place Value Property
1. Future investments Africa implantation 150 000£ Property included
2. Research & development EU Included in operational cost Add to new product
3. Possible acquisition EU Maximum 300 000£ Add to sales & profits
Detail 2020 2021 2022 2023 2024
Net operating profit for the year 50 272 1 035 2 571 3 027
Other comprehensive income 12 26 143 172 258
Total comprehensive Income for year 62 298 1 178 2 743 3 285
Total comprehensive income net tax 52 253 1 001 2 194 2 628
Dividends 126 500 1 000 1 314 000
Income attributed to reserve 15 127 501 1 195 1 314 000
Income for reinvestment 37 - 250 598 657 000
2020 2021 2022 2023 2024
Sales 5.36x70/375£ 5.75x200/1 150£ 5.75x400/2296£ 5.75X800/4025£ 5996
Cost of production 36 96 135 1 495 1 590
Gross Profit 339 1 054 2 161 3 876 4 406
Operational expenses 289 782 1 126 1 305 1 379
Operating comprehensive income 50 272 1 035 2 571 3 027
Other comprehensive income 13 168 186 196 317
Financial expenses 1 2 3 4 5
Investment expenses 140 40 20 25
Total other expenses 1 142 43 24 29
Total other comprehensive income 12 26 143 172 258
Net comprehensive & other income 62 473 1 178 2 743 3 285
REVIEW FIANCIAL AFTER SHARE ISSUE
Detail of operations 2020 2021 2022 2023 2024
Gross profit 339 1054 2 161 3 876 4 406
Subsidiary expenses 44 94 123 130 157
Rent 24 24 - - -
Salaries 164 480 780 903 933
Other expenses 8 28 39 59 69
Insurance 3 10 12 15 16
Communications 18 36 48 58 60
Travel utilities 26 96 106 116 126
Admin utilities 2 14 18 24 28
Total 289 782 1 126 1305 1 379
Income from operations 50 272 1 035 2 571 3 027
ESTIMATION CONSOLIDATES FINANCIAL STATEMENT AFTER SHARE ISSUE EXCLUDING GOODWILL
NON CURRENT ASSETS
2020 2021 2022 2023 2024
Property holding 160 000 1 791 000 1 867 000 1 967 000 2 117 000
Software equipment devices 50 000 40 000 50 000 60 000 70 000
New intangible assets cloud
software
476 000 576 000 626 000 961 000 1 161 000
Existing base intangible assets
software systems
3 423 750 3 947 250 4 247 450 4 622 450 5 097 450
Shares in operating subsidiaries 274 500 386 500 406 500 636 500 776 500
Sub total current assets 4 439 250 6 668 750 7 196 950 8 246 950 9 221 950
CURRENT ASSETS
Bank & funds in process 50 000 3 635 250 5 686 604 8 479 675 8 838 675
Inventories devices 5 000 20 000 30 000 60 0000 70 000
Sub total current assets 55 000 3 655 250 5 716 604 8 539 595 8 908 675
Total current assets 4 439 250 10 324 000 12 913 554 16 786 625 18 130 625
CURRENT LIABILITIES
Staff wages in process 50 000 100 000 150 000 175 000 185 000
Post employment benefits
(medical, pension holiday
contribution)
5 000 30 000 70 000 80 000 90 000
Trade & other payables 4 000 10 000 30 000 35 000 45 000
Total liabilities 54 500 140 000 250 000 290 000 320 000
Net asset 4 384 750 10 184 000 12 663 554 16 496 625 17 810 615
EQUITY
Ordinary shares
N° share units paid up
Issued
New shares issue price
4 368 750
375 000 000
375 000 000
10 041 000
456 032 143
81 032 143
0.07
12 019 554
478 016 071
21 983 928
0.09
14 657 625
500 000 000
21 983 929
0.12
14 657 625
500 000 000
Other reserves 0 16 000 143 000 644 000 1 839 000
Retained earnings 16 000 127 000 501 000 1 195 000 1 314 000
Total equity 4 384 750 10 184 000 12 663 554 16 496 625 17 810 625
Further Information may be obtained from the website
https://www.gov.uk/get-information-about-a-company