Oleksiy Bazyura

Glass shop: small parts eat 45% of the time

1 990 parts a month bring 601 380 ₴ of revenue and 62 245 ₴ of profit. The same sheet price of 184 ₴ per m² works out at 200 ₴ per usable metre on large parts and 287.50 ₴ on small ones. And a shop minute earns 33.14 ₴ against 12.70 ₴.

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Pawnshop: 44.7% of capital sits on the shelf

Loans issued run 3 300 000 ₴ a month at 0.8% a day — and 47 948 ₴ lands as profit. Because 44.7% of the capital is not in loans at all but on the shelf: 171 unredeemed items. We work out why faster markdowns made it worse and a smaller loan made it 2.46 times better.

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Waste collection: one district feeds, the other eats

Bohdan put the cost of emptying a container at 131.57 ₴ and thought his business was low-margin. No such container exists: in the dense district it costs 92.10 ₴, in the sparse one 197.36 ₴. One district gives plus 218 012 ₴, the other minus 115 492 ₴. And 34% of the mileage serves no container.

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Repair shop: half the shelf is never going home

There are 96 units on the shelf, each with 640 ₴ already sunk into it. Forty-eight will be collected, forty-eight will not — exactly half. That half holds 30 720 ₴, or 111% of the monthly profit. We break down why the shelf also costs 14 178 ₴ of rent and what a paid diagnosis changes.

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Equipment rental: why utilisation beats the day rate

Eighteen machines, a day rate of 3 800 ₴ — and 42 600 ₴ of monthly profit. Because the cost of a machine day is not 1 915 ₴, as the owner calculated, but 3 628 ₴: he divided costs by the calendar fleet and rented out half of it. We break down why one point of utilisation beats any day rate.

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Printing cost: how to calculate press hour and makeready

A hundred and eighty orders, the press running two shifts, a 58% margin — and still no money for a second machine? A print shop counts margin as price minus paper, but the main cost in printing is press time. We break down the cost of a press hour, why makeready is identical for a thousand copies and a hundred thousand, and why two orders for the same flyers differ twenty-eightfold in result.

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CCTV installation: the site is delivered, but the contract brings the money

Twenty-eight sites delivered in a year, and in February nothing to pay the engineers with? CCTV installation is two businesses with opposite economics. We break down what really remains from a site after the crew, commissioning and the warranty year, and why a service portfolio of forty points is worth more than ten new installations.

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MRR, ARR and churn in real money: what the growth dashboard hides

MRR is climbing, the deck looks great — and the bank balance barely moves. Here is how to read MRR, ARR and churn as real cash, and why net revenue retention matters more than new sales.

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What free users really cost: the economics of freemium

Everyone celebrates 50,000 free users — but free isn't free. Here is how to count what your free tier actually costs and whether the paying few carry it or it quietly bleeds you.

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SaaS unit economics in plain words: is your product actually making money?

Revenue is growing but the bank balance isn't. Here is how to tell, in one evening, whether you earn or lose on each customer — CAC, LTV, payback and the traps in between, with a worked example.

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Manufacturing

Finances of a defense-tech startup: keeping grants, government contracts and commercial sales as one picture

A grant, a government contract and commercial sales all sit in one pot — and it's unclear what belongs to whom or how much the company actually earns. How to pull the whole picture together.

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A Business Loan: When It Saves You, and When It Sinks You

A loan is a tool, not a rescue. How to tell the situation where borrowing accelerates your business from the one where it only digs the hole deeper.

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How Much to Set Aside for Taxes So You Never Hit a Cash Gap

The money is in the account, then tax day comes and it is suddenly gone. A simple system for setting cash aside in advance so you never dip into working capital.

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Mobile Finmap for business owners on the go: log cash transactions from your phone in 10 seconds

Cash in the office, in the car, at the warehouse — but you only update the books at night when you finally sit down at your computer? Here's how to log transactions from your phone in 10 seconds before they slip your mind.

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"I had Finmap up and running in 30 minutes": AI-powered onboarding and a step-by-step setup that gets you started fast

Stop fumbling around for weeks — enter your first month of data in 30 minutes. How Finmap's AI-powered onboarding walks you step by step from connecting your accounts to your first report.

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How to stop robbing Peter to pay Paul

One client's deposit funds the next client's order, and so it goes — round and round. Here's how to break the cycle and get your working capital under control before the whole thing collapses.

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Migrated from Excel to Finmap over the weekend — every number made it across. Here's exactly how we did it.

Scared to ditch Excel because you'll "lose all your history"? Here's how to move your books into Finmap over a single weekend without losing a single number — a step-by-step plan and exactly what you don't need to bring with you.

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A cash shortfall shows up 2 weeks before it hits. Here's how — using 4 real businesses as examples

A cash shortfall doesn't sneak up on you — the warning signs are already in your numbers. See how a payment calendar flags a balance crash 1–2 weeks before it hits, with four real business examples.

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Multi-Currency Accounting for a Small Business: UAH, USD, EUR, USDT — Without the Headache

There's a specific moment small business owners in Ukraine hit — usually somewhere between year two and year four — when their bookkeeping stops being able to answer the simple question "did we act…

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Excel to a Management Accounting Platform: When You've Outgrown the Spreadsheet and How to Move Without Losing a Single Row

Every founder who runs a small business past ₴3M revenue has the same conversation with themselves once. The spreadsheet has stopped being a helper and started being an obstacle. Formulas break in…

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20 Developers, an Hourly Rate, and No Idea What the Project Actually Made

A founder of a services-and-outstaff IT company — 20 developers, ₴36M annual revenue, seven active clients — described the exercise that changed how she priced work and hired.

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Management Accounting for an IT Agency: The Three Numbers That Tell You Everything

An IT services agency founder described the moment of realization at a leadership offsite. Her business had grown for three years. Revenue from ₴4M to ₴12M. Headcount from 5 to 15 developers. Profi…

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Why High Revenue Doesn’t Guarantee Profit: How BRO GLASS Regained Financial Control with Finmap

How can a production business gain financial clarity? Explore the BRO GLASS case study on implementing management accounting, unit cost tracking, and profitability control.

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How an LED Lighting Importer Turned Financial Chaos into a System with Finmap

Is financial chaos hindering growth? Finmap brings back control and transparency.

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9 min

09.10.2025

Accounting vs Financial Management: Why You Need Both?

What's the difference between accounting and financial management, and why business owners need both. A clear comparison with examples and tools.

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Finmap and the First Investments: Coincidence or Pattern?

We tell you how to turn a startup into a successful business and attract investments for stable development with the help of well-established financial management.

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