investments
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Never Look at One Single Ratio
“This year we have grown 20% of sales compared to the previous year and we hit the 2 billion euro in revenue!”. I’m sure you have heard of this several times in one way to another. Companies that celebrate they made more sales, kept expenses under control or expanded to new markets. This sounds as…
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This time of the Year
Reaching the end of 2024. Many organisations take the time, if they haven’t already, to look at what went and not so well, appraising the performance of the company according to the goals they set to meet during the year, and review if changes need to be done, like removing objectives that no are no…
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What is Wealth?
The answer to this questions might seem a little abstract. Usually, when we think about wealth, things like money, properties and other sort of assets come to our minds. However, the definition of wealth is much broader than that. Some books refer to it as the time that you would be able to live in…
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Revenues and Costs, Some Aspects
I’ve been living abroad for a while, as many people are doing these days. A common topic of discussion among expats is the salary you can earn in a certain country. It is funny to see people who move to countries like the United Kingdom, the Netherlands or Germany to find not only opportunities but…
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Value-added Tax (VAT)
When I check social media, I hear often freelancers or small businesses complaining about having to pay the VAT they charge to their customers. In countries like in Spain, from the moment you start a business, you’re obliged to collect this tax to your customers and pay it to the tax authorities. In other countries,…
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What is ROI?
You have a pool of available funds that don’t require an immediate use in the company. Then you decide to invest it and you look at different options in the market: stocks, deposits, bonds, a new machine, a computer, a building… It doesn’t matter, the most important is that it meets the definition of an…
Ruiz Fernandez Business Services 