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00:00Welcome to Marketing Square, the big marketing meeting.
00:05The big is a marketing that comes out of the nail, that reinvents itself, that renews itself.
00:09It is also a mindset that relies on the desire to surpass oneself, to detach oneself from
00:12one's opinions once and for all and to learn continuously.
00:16If you recognize yourself in this description, whether you are a beginner or an expert, subscribe,
00:20this podcast will become your best ally.
00:22A discovery that revolutionized my invoicing is the Time platform.
00:26Designed especially for entrepreneurs, Time allows you to manage invoicing at the same place, at the same time.
00:33No more puzzles, don't waste a second.
00:36Time has even prepared a special offer for you.
00:386 months offered on the Time Business account for all Marketing Square listeners.
00:43Visit the link in the description of the episode to take advantage of it with the code MARKETINGSQUARE.
00:48In the meantime, place for the episode and good listening to all.
00:52Hello everyone and welcome to this new episode of Marketing Square.
00:56Today, don't leave, we're going to talk about invoicing, but it's going to be fun, I promise you.
01:00We're talking about it with Nicolas, who is the founder of the online school that trains future accounting experts,
01:05but also the director of the first social media on invoicing, Geeks and Numbers.
01:10We will put all these links in the resources of the episode.
01:13In the meantime, Nico, you made us a promise.
01:15You told us, I'm going to teach you how to manage your invoicing in two hours a month.
01:20Welcome to Marketing Square.
01:22Thank you very much for welcoming me, Caro. It's a pleasure to be here with you.
01:25This method that you are going to share with us today, who is it for?
01:28Do we need to have accounting basics and who can get the most out of it?
01:32You don't need to have accounting basics.
01:34You have to understand what it will be used for first to have the numbers of a company.
01:39So it's for both neophytes and entrepreneurs who can either have an aversion to numbers or not.
01:45Or to accounting or financial experts who accompany entrepreneurs to help them
01:50to bring them this method, which is actually quite simple to put in place,
01:54but which can bring a lot and above all avoid a lot of trouble.
01:56That's what I love about you.
01:57It's that you're a very good popularizer and that we, the accountants, the entrepreneurs,
02:00when you tell us two hours a month, we say to ourselves,
02:02but it's already the time we spend stressing, saying to ourselves,
02:05I have to do the check.
02:06When am I going to put the check?
02:08How come my accounting expert hasn't called me in 20 minutes?
02:11So, in fact, we spend so much time thinking about it that in the end,
02:14if we operated more, we could save a lot of time.
02:17So, let's go for the method.
02:19Nico, where do we start?
02:21To start a little bit to clear the air.
02:23What is very important, already, is to understand what the accountancy is for and what its utility is.
02:27Often when you are an entrepreneur or a manager,
02:29you rarely create your own company to manage your accounting.
02:32You want to develop your product, your service and enjoy this path.
02:35Except that accounting, you have to understand that it is a piloting tool.
02:39On the one hand, it allows you to carry out your legal, social, tax obligations.
02:44That's the first part of the story.
02:45But in any case, it gives us financial information
02:48on the performance of the actions that we have carried out along the way.
02:52And here I give an example.
02:53Generally, accounting, an accounting exercise,
02:55is from January 1st to December 31st.
02:57And during this whole period, we're going to do things.
02:59We buy, we sell, we collect, we pay.
03:02That's the financial history of what happened,
03:04what the entrepreneur did.
03:06And in the end, we're going to see if it paid off.
03:09Do I have a profit or a loss?
03:11And since we can only improve what we measure,
03:14if we don't measure the financial performance of our company,
03:17we can't know if we're good.
03:19And one of the big risks, if we don't manage our accounting,
03:22is that we can have bad surprises.
03:24How many entrepreneurs take an information from TVA to pay,
03:28a balance that they had not planned,
03:31a balance that arrives for a amount of 7,000 euros,
03:33while you have 1,369.70 euros on your bank account.
03:37And there you say to yourself, disaster.
03:39In France, there are rules of the game.
03:41If you know the rules, you can play the game in the right way.
03:44And so, the vision of accounting is very important
03:46because it will allow you to drive,
03:48to limit risks, but also, why not,
03:50to invest while we thought it was not possible.
03:54So, personally, I know the numbers very well.
03:56I was both a financial manager,
03:58a management controller, an accountant.
04:00I worked in the office when I was an employee.
04:02I did that for five years.
04:03I didn't find my account, so I was an entrepreneur.
04:05I know both sides of the story.
04:07And I, as an accounting producer, was very bad.
04:09And so, for a very long time, I put it under the carpet,
04:11while I master the performance of that.
04:13And why do I say that it is very important, Caro,
04:15and I alert absolutely all listeners,
04:18is how well I even mastered the numbers.
04:20At one time, in 2017, I sold my car to pay the URSAF
04:24because I thought I had good intuition
04:26about reading numbers, but I was wrong.
04:28And if I had been in anticipation and not in intuition,
04:32well, that's what I wouldn't have done.
04:34I wouldn't have sold my car,
04:35but I could have secured my company.
04:38So that's very, very important.
04:39The first thing is to have a good vision of the account,
04:41what is it for.
04:42And in this vision,
04:43how much do we need to go through someone else?
04:46Often, we say to ourselves,
04:47in fact, I don't need to be accompanied, I know how to do it.
04:51What are the resources,
04:52either the professionals and how to hire them too,
04:55who can help us?
04:56Maybe you can answer us through a slice of business.
04:59Because it's true that sometimes it's too much to have an accounting expert
05:02before you've made a turnover.
05:03That's also a mistake we make sometimes.
05:05And on the contrary, there are some who are really crazy
05:07when they really need it.
05:08How do you juggle that?
05:10If I go back to what you told me,
05:11when we didn't make a turnover,
05:13being accompanied by an accounting expert,
05:15day one, it's still important.
05:17Because what we don't measure enough
05:19is what's going to happen tomorrow.
05:21So as long as we didn't make a turnover,
05:23we can say to ourselves, it doesn't matter.
05:24But generally, when you set up your company,
05:26you still want to reap the benefits for tomorrow.
05:29And so, managing finances is something that will happen very, very quickly.
05:32In France, when you set up a company,
05:34except if you're in a micro-business,
05:35it costs you money when you haven't done anything yet.
05:38And to start on a bad basis,
05:39well, in reality, you can make bad decisions.
05:41You choose the wrong legal status.
05:43You're going to choose a tax regime rather than another.
05:45Just this information,
05:47it can mean that,
05:48depending on the company structure you choose,
05:50sometimes you're going to pay social contributions
05:52for a structure,
05:53and for another, you're not going to pay.
05:55And so, it's just an advice from someone
05:57who's going to give you this information.
05:59Well, maybe you won't have 2,000 euros of treasury
06:01to advance for the URSAF or social contributions
06:04if you had chosen another solution.
06:05The expert can help you on this subject.
06:07So if I were to go in this version number 2
06:10of what I think, so there was the vision.
06:11Now, for me, it's the perfect stack
06:13to be able to manage your finances well.
06:15Number 1, you have to have a good tool.
06:17Number 2, you have to have a good partner.
06:20So the tool,
06:21I'm a pro at some accounting technology tools.
06:23So there's Pennylane, which exists.
06:25There's Time too.
06:26These are tools that are incredible
06:28because they will allow you to be able
06:30to manage your finances in a very simple way
06:32for an entrepreneur.
06:33And they will be able to transfer
06:36financial information, invoices, payments,
06:38in short, all that,
06:39directly to the person in front of you
06:42who will manage the accounting.
06:43So an accounting expert.
06:45First thing, the tool.
06:46Second thing, the accounting expert.
06:48To choose it well,
06:49you need several elements.
06:51The first is that he must master
06:54the industry in which the entrepreneur works.
06:56If he does not master the industry
06:58in which the entrepreneur works,
06:59he will be useless.
07:00It's mandatory.
07:01Second element,
07:02he must make sure
07:04of the user experience of his client.
07:06And that, you have to ask him questions.
07:08How do you support your clients?
07:10If I have a question,
07:11what's going on?
07:12Do you know my industry?
07:13And if he says yes,
07:14you have to ask the question,
07:15typically in my industry,
07:17what are the financial indicators?
07:19Do you already have clients
07:21who look like that in your portfolio?
07:23And it's very funny
07:24because when you know the accounting expert,
07:26he did eight years of study,
07:28so he still worked.
07:29Generally, it is a profession
07:31where there is an order.
07:32Sometimes some,
07:33they have a bit of ego.
07:34And if you tickle him in his field,
07:37he will see that you are not laughing.
07:39And if you are not laughing and you are educated,
07:41he will bring you something better
07:43than all the others.
07:44And that's extremely important.
07:46And of course,
07:47the heart must be there.
07:48Because he gets into your house,
07:50into your figures.
07:52And when an entrepreneur consumes,
07:54it also shows a certain culture
07:56of his way of investing,
07:58of buying,
07:59what he's on.
08:00And so it's very important,
08:01at least for the accounting expert,
08:02to respect these three elements.
08:04And precisely,
08:05what is it,
08:06a budgetary fork
08:07in relation to growth,
08:08to turnover?
08:09How can we be sure
08:10when we receive quotes
08:11that we are not fooled?
08:13Overall,
08:14between 1,500 and 2,500 euros per year,
08:17we will say that it is a normal fork.
08:19On the other hand,
08:20there will be some accounting experts,
08:22they can bet on you.
08:23If they have startups in their portfolio,
08:25solopreneurs who are quite agile,
08:27quite intelligent,
08:28you can tell them,
08:29I am in the starting phase.
08:31On the starting phase,
08:32can you give me a price?
08:33For example, 1,500 euros.
08:34And next year,
08:35and that in a proactive way.
08:37You don't have to be him
08:38who tells you.
08:39You have to ask him
08:40if you are really in the treasury.
08:41Well, next year,
08:42we will be able to see the honorariums
08:43at an increase,
08:44for example,
08:45at 2,000 or 2,500 euros.
08:46Per year, of course.
08:47Because I would have managed
08:48to do my numbers.
08:49And I know a lot of accounting experts
08:50who have this logic.
08:51And they know
08:52that they shouldn't hit
08:53the entrepreneur at first,
08:54but they have to invest in him.
08:56So it can be a good method
08:57to be able to do that.
08:58But overall,
08:59the rates,
09:00between 2,000 and 3,000 euros per year,
09:01you don't get fooled
09:02if he really tells you
09:03that he will make points
09:04from time to time with you.
09:05To what extent
09:06is it interesting
09:07to take a tax accountant
09:08with an accounting expert
09:09for whom it is useful
09:10or for whom it is bullshit?
09:11What can be interesting
09:12when you have a tax accountant,
09:13is from the moment
09:14you start creating
09:15several types of companies.
09:16As soon as you have the editing,
09:17either the accounting expert
09:18is structured to do that,
09:19but in reality,
09:20what you have to understand
09:21is that you should not imagine
09:22that the accounting expert
09:23is the man to do everything
09:24and who knows how to do everything.
09:25It's not true.
09:26There are tax lawyers,
09:27lawyers in tax law,
09:28in social law,
09:29sorry,
09:30in the law of companies,
09:31financiers,
09:32people who do
09:33acquisition fusion.
09:34The accounting expert
09:35sees all this,
09:36but not in a manipulative way,
09:37but in a way
09:38that he knows how to do that,
09:39but not in a detailed way.
09:40So if we have a very simple case,
09:41the accounting expert
09:42will be able to do it.
09:43But as soon as we start
09:44having an editing
09:45and often small
09:46borderline edits,
09:47do you want to create
09:48your company in Dubai
09:49and then you have
09:50a company here in France,
09:51it is better to call
09:52a tax lawyer
09:53who wants to do that.
09:54So as soon as there is,
09:55who starts having
09:56a small editing
09:57with several types
09:58of companies,
09:59there it can be interesting
10:00to call a back-up.
10:01But you must not be afraid,
10:02you must not say,
10:03are you sure?
10:04Do you know how to do it?
10:05Have you already done it?
10:06And you must absolutely
10:07be proactive.
10:08And if you are like that,
10:09in this entrepreneur position
10:10vis-à-vis him,
10:11he will say,
10:12no, no, I'm here
10:13as a general practitioner,
10:14I'm going to take you
10:15to the cardiologist.
10:16And the cardiologist
10:17is the tax officer.
10:18But suddenly,
10:19if he is honest,
10:20he will tell you.
10:21Perfect.
10:22So you told us,
10:23first thing,
10:24the vision of accounting,
10:25realizing how
10:26essential it is.
10:27You even told us,
10:28on day one,
10:29you have to have
10:30an accounting expert.
10:31You also told us
10:32about the mindset
10:33and I find it quite true.
10:34In fact,
10:35if you do not put yourself
10:36in the position
10:37of an accounting expert,
10:38you will not be able
10:39to do it.
10:40It made me happy
10:41that you said Time
10:42because,
10:43you don't know it,
10:44Nico,
10:45but it's the sponsor
10:46of the episode.
10:47For once,
10:48we are also
10:49Time agents.
10:50That's why
10:51I chose them.
10:52And third thing,
10:53you told us
10:54how we could
10:55cast well.
10:56And I loved it
10:57because it's
10:58very practical.
10:59And know that
11:00I made a big casting mistake
11:01with an accounting expert
11:02on my first box
11:03and it cost me
11:04a lot of money
11:05and I'm very happy
11:06that you listened
11:07to this episode.
11:08Third step,
11:09the goals to reach.
11:10And that too,
11:11it's the nebula
11:12for many entrepreneurs
11:13who say to themselves,
11:14but wait guys,
11:15I haven't started
11:16making money yet,
11:17I should have goals.
11:18So,
11:19indeed,
11:20the vision I have
11:21of the goal
11:22is to say to myself,
11:23to reach two hours
11:24of accounting per month,
11:25you have to set a goal.
11:26But suddenly,
11:27everyone has to work
11:28in the same direction.
11:29If we are accompanied
11:30by an expert
11:31and an accounting expert,
11:32he can do nothing,
11:33do nothing at all
11:34if the entrepreneur
11:35is not proactive
11:36in the relationship with him,
11:37he does not send him
11:38the documents
11:39as he should
11:40in time and space.
11:41So,
11:42in reality,
11:43it's easy to criticize
11:44each other,
11:45but everyone
11:46has to do his job.
11:47The one who has to do
11:48his job,
11:49well,
11:50the entrepreneur
11:51has to set the tempo
11:52and he has to say,
11:53I want a monthly,
11:54financial situation
11:55at J plus 5,
11:58J plus 8.
12:00And so,
12:01as the entrepreneur
12:02will give himself
12:03the obligation
12:04to reach this goal,
12:05to have a financial situation
12:06at J plus 8,
12:07suddenly,
12:08he will have to
12:09transmit his documents.
12:10But conversely,
12:11the accounting expert
12:12will say,
12:13well,
12:14and as this client
12:15breaks my head
12:16and he wants his documents
12:17at that moment,
12:18well,
12:19I have to give it to him.
12:20And so,
12:21in fact,
12:22both of them
12:23will advance
12:24in the same direction
12:25with the same goal.
12:26And why do I say that,
12:27Caro,
12:28and it's very important,
12:29is that if you have
12:30the finance mindset,
12:31you will never be trapped
12:32at the threshold of 5 years
12:33because of a problem
12:34of financial management.
12:35At the end of this episode,
12:37no one must have
12:38this excuse to say to themselves,
12:39in fact,
12:40I messed up my box.
12:41If you messed up your box,
12:42it's because you didn't know how to sell,
12:43your product was bad,
12:44you didn't do the marketing,
12:45but not the finance.
12:46Out of the question.
12:47So,
12:48the goal,
12:49it must be very important
12:50to say to yourself,
12:51I must have a financial situation
12:52at J plus X.
12:53And that,
12:54that's important.
12:55And another thing too,
12:56you naturally have to set up
12:57guidelines and financial goals,
12:58at least to
12:59give yourself a cap.
13:00And I like to say
13:01that you have to work
13:02by the OCR method
13:03and set goals
13:04that are,
13:05in quotation marks,
13:06unattainable.
13:07Because I often see it,
13:08sometimes when you set
13:09a somewhat limited goal,
13:10well,
13:11once you've done it,
13:12you're happy.
13:13Well, no,
13:14in fact,
13:15it's very important
13:16to be able to exceed
13:17these goals.
13:18And one of the things
13:19that is also very important,
13:20but maybe I'll talk about it
13:21at the end of the episode.
13:22What a suspense!
13:23So,
13:24third thing you told us,
13:25the goals to achieve,
13:26you absolutely have to time.
13:27You have to show a little,
13:28finally,
13:29that we lead the dance
13:30and not let ourselves go too much.
13:31In fact,
13:32that's what you're telling us.
13:33It's that if we start
13:34telling the accounting expert,
13:35I trust you,
13:36don't worry,
13:37we talk to each other once a month
13:38and that's enough.
13:39Well,
13:40we have a little bit
13:41all the red flags
13:42to get caught.
13:43It's a bit like that.
13:44Basically,
13:45you have to lead the dance
13:46and you have to set a very strict framework.
13:47The framework is extremely important.
13:48I am 1000% convinced,
13:49Caroline,
13:50that in your entourage,
13:51you have almost all
13:52the entrepreneurs
13:53you meet
13:54who tell you
13:55that the accounting expert
13:56is a disaster.
13:57So,
13:58imagine that in my entourage,
13:59there are a lot of
14:00my accounting expert
14:01is a disaster.
14:02But really,
14:03I think it's because
14:04many are infopreneurs.
14:05Infopreneur and entrepreneur,
14:06I think it's not the same typology
14:07because the entrepreneur,
14:08in fact,
14:09he will wait,
14:10I will not say months,
14:11but a certain time
14:12before monetizing.
14:13While the infopreneur,
14:14he starts day one
14:15to generate income.
14:16And suddenly,
14:17among the infopreneurs,
14:18who are more my entourage today,
14:19income is the heart
14:20of their growth.
14:21So,
14:22finances,
14:23savings
14:24and placements
14:25are really very important to them
14:26and they are very,
14:27very well accompanied
14:28and also often
14:29it's their driver.
14:30Because precisely,
14:31these are people who,
14:32in fact,
14:33even in entrepreneurship,
14:34they want to make money
14:35right away.
14:36Where the entrepreneur,
14:37sometimes,
14:38he rather wants to realize
14:39his vision,
14:40he is a little reaver,
14:41a little disconnected sometimes.
14:42Already,
14:43you are right
14:44to specify
14:45these two types of entrepreneurs
14:46and it's a very good analysis.
14:47And suddenly,
14:48it's true that for infopreneurs,
14:49personal finances,
14:50etc.
14:51are subjects that are
14:52very important for them.
14:53Perfect.
14:54So,
14:55suddenly,
14:56Nico,
14:57it applies very well
14:58to entrepreneurs.
14:59And at the same time,
15:00it's a bit of a forced passage.
15:01What is there?
15:02There is the bad accounting expert,
15:03there is the co-founder
15:04who leaves with the cash box,
15:05an employee
15:06who no longer wants to leave.
15:07It is also part
15:08of the routine,
15:09finally,
15:10and bad choices
15:11that we pay dearly.
15:12But I think that in this episode,
15:13they will already find
15:14a lot of things
15:15to either
15:16put a firmer framework,
15:17or also
15:18to understand the good practices
15:19where it is better
15:20not to lose your energy
15:21and that's point number 4.
15:22You tell us,
15:23there are also things
15:24to automate
15:25and that we can get rid of
15:26once we have put
15:27our energy on the framework.
15:28We can also
15:29let go of the rest.
15:30What is wonderful today
15:31with automation
15:32is that we can really
15:33scale in a much easier way
15:34manual tasks.
15:35So,
15:36I'm going to take
15:37the case of using
15:38Time because
15:39I know Time well.
15:40They're friends too.
15:41Time,
15:42it's going to be
15:43a tool that will be
15:44very useful
15:45for entrepreneurs
15:46and accounting offices.
15:47The entrepreneur,
15:48he will do his homework.
15:49Doing his homework
15:50is well
15:51transmitting
15:52his financial documents
15:53in the Time tool.
15:54And the Time tool
15:55is going to collect
15:56the information
15:57and it's going to automate
15:58the accounting management
15:59for the office,
16:00which the office
16:01will be able to do
16:02the accounting very quickly.
16:03Except that without raw materials,
16:04the office
16:05can't do its job.
16:06So,
16:07that's what we'll have to do.
16:08An entrepreneur
16:09will have several
16:10financial flows.
16:11We're going to have
16:12the information
16:13coming from the bank,
16:14invoicing,
16:15supplier invoices.
16:16I'm going to focus
16:17only on one use case
16:18which is the following.
16:19Supplier invoices.
16:20I have Amazon,
16:21I have Facebook,
16:22LinkedIn,
16:23Google,
16:24in short,
16:25everything imaginable.
16:26And so,
16:27I'm going to receive the invoices
16:28where?
16:29I'm going to receive them
16:30in an email address.
16:31There's going to be
16:32an element that's going to be
16:33extremely simple.
16:34You're going to have to
16:35configure filters
16:36that will allow,
16:37as soon as you receive
16:38an invoice
16:39on your email address,
16:40you don't see it,
16:41you don't look at it
16:42because it's a mental burden.
16:43So,
16:44this invoice
16:45arrives on Gmail,
16:46for example,
16:47and you're going to create
16:48a filter
16:49that will allow you to
16:50automatically
16:51and immediately
16:52transfer this invoice
16:53to the production tool.
16:54Time or Penny Lane,
16:55for example.
16:56And so,
16:57I, for example,
16:58did this job there.
16:59I must have in my email address
17:00thirty or forty
17:01or fifty invoices
17:02that come per month
17:03in my Gmail.
17:04Well,
17:05what I do
17:06is that
17:07I programmed
17:08an immediate transfer
17:09of the invoice
17:10in the tool.
17:11How do we do that?
17:12Is it in the Gmail parameters?
17:14Exactly.
17:15In the Gmail parameters,
17:16you go to the filters.
17:17You see,
17:18create a filter,
17:19for example.
17:20Hop,
17:21so I do it live.
17:22Well,
17:23I don't know,
17:24me,
17:25amazon.invoice.com.
17:26Then,
17:27which contains
17:28a joint piece,
17:29you create a filter
17:30and once you create the filter,
17:31well,
17:32you can set
17:33a return address
17:34where you will
17:35send the invoice
17:36directly.
17:37OK,
17:38but I didn't know
17:39how we could sort the invoices.
17:40But so,
17:41you put
17:42what contains
17:43invoice,
17:44invoice,
17:45you put the words,
17:46you put the words.
17:47Exactly.
17:48You put a label,
17:49etc.
17:50And what I like to do
17:51is I put the word
17:52and I put the word
17:53as read
17:54and it sends it directly.
17:55And in reality,
17:56this work there,
17:57it allowed me
17:58not to see the invoice,
17:59to lower my mental load
18:00in my brain
18:01and to be able to send
18:02the information
18:03immediately.
18:04Frankly,
18:05that's crazy.
18:06That's a first step.
18:07Second step,
18:08you have to create
18:09a little routine
18:10and a little habit.
18:11Identify
18:12at what time of the week
18:13we have a little less energy
18:14and we want to go
18:15a little like a robot.
18:16For example,
18:17me,
18:18it could be
18:19Friday afternoon
18:20and I look at all
18:21bank transactions
18:22and normally
18:23if I sent
18:24automatically
18:25the invoices,
18:26well,
18:27they will be
18:28directly
18:29linked with
18:30bank transactions
18:31and if that's not the case,
18:32if I have a bank transaction
18:33for example
18:34that I didn't
18:35send the invoice,
18:36well,
18:37I could look for it
18:38for example
18:39either in the back office
18:40of a tool
18:41that doesn't send it
18:42by email
18:43or it's in my pocket
18:44and I could
18:45scan it
18:46to send it
18:47directly to the tool.
18:48And if you do that
18:49sometimes when you
18:50don't find an invoice,
18:51you're going to ask someone
18:52if they can send it to you or not.
18:53It's super clear.
18:54I love it
18:55and I'll illustrate it
18:56in the newsletter
18:57like that for all those
18:58who are listening to the episode
18:59if you want to have all that
19:00in an actionable way
19:01with
19:02we'll put the little tutorial
19:03for you
19:04to do that on Gmail
19:05and you also have to say
19:06there is a real boom
19:07at the moment
19:08virtual assistants
19:09who are not
19:10at the same time as
19:11accounting experts
19:12so if for some
19:13you say to yourself
19:14ah,
19:15but I can get it done
19:16by my accounting expert
19:17but it's going to cost me a lot
19:18to take a virtual assistant
19:19that's what I do.
19:20My assistant Alex
19:21by the way,
19:22I kiss her if she listens to the episode
19:23saved my life
19:24because in fact now
19:25she's the one who
19:26hooks up a good number
19:27of my invoices
19:28or automates them
19:29especially if you have
19:30virtual products
19:31training
19:32if you have
19:33several companies
19:34it can really cost
19:35to invest in a virtual assistant
19:36which will cost
19:37between 50 and 100 euros per hour
19:38and which will put you
19:39in fact
19:40the right things
19:41in the right places
19:42and it's still
19:43a lot cheaper
19:44than an accounting expert
19:45who did 8 years of study
19:47and to whom you ask
19:48to hook up your invoices
19:49it's not necessarily profitable.
19:50Exactly
19:51what I could also advise
19:52for first-time entrepreneurs
19:53who are not used to doing this
19:54I still invite you
19:55to do this little exercise
19:56for one or two months
19:57to see how your company
19:58consumes
19:59because it is
20:00hyper training
20:01and educational
20:02and after you can really
20:03challenge people
20:04who work with you
20:05like that
20:06you can have
20:07good appreciation
20:08and good vision
20:09of the way
20:10in which they will consume.
20:11I just wanted to add
20:12a quick thing
20:13it's if you have
20:14a mobile application
20:15for example
20:16with the time tool
20:17well
20:18as soon as you make
20:19a purchase invoice
20:20get used to
20:21scanning it directly
20:22and don't procrastinate
20:23if you go to the gas station
20:24and say
20:25I put it in my wallet
20:26I don't have time
20:27I have my child
20:28in the back crying
20:29or something like that
20:30you scan directly
20:31and it's over
20:32and then you're quiet.
20:33You know it's a productivity rule
20:34it's all the actions
20:35that take less than 5 seconds
20:36you have to do them immediately
20:37otherwise it costs
20:38double the mental load.
20:39Precisely
20:40speaking of little hacks
20:41you planned for us
20:42for step 5
20:43bonuses
20:44that you didn't even
20:45reveal to me yet
20:46so I can't wait
20:47to listen to them.
20:48The little point
20:49that I'm going to give you
20:50is that having
20:51your account
20:52quickly
20:53is going to be
20:54having the financial
20:55situation
20:56every month.
20:57For entrepreneurs
20:58who have companies
20:59who have a balance sheet
21:00and a result account
21:01I would invite you
21:02to analyze two indicators.
21:03In reality
21:04I'm only going to give you one.
21:05Every time you're going to
21:06do your monthly situation
21:07because you have the right
21:08accounting expert
21:09you're going to send
21:10the information well
21:11and you have your situation
21:12at G8
21:13and then you're going to
21:14be able to look at
21:15an indicator called
21:16the EBE
21:17or EBITDA.
21:18Basically to make it simple
21:19this indicator is
21:20your turnover
21:21minus the purchases
21:22made to the funder
21:23minus the taxes
21:24minus the personal charges.
21:25Here
21:26you're going to have to
21:27analyze this indicator
21:28on the month
21:29comparatively
21:30to last year
21:31or
21:32compared to the previous month
21:33or
21:34this indicator
21:35yours
21:36versus
21:37those of your little friends.
21:38But how can we know that?
21:39Do you want us to get
21:40the passwords
21:41from our friends or what?
21:42Well, if you go to
21:43poste.com
21:44and you try to see
21:45companies that are
21:46more or less
21:47in the same industry as you
21:48if they don't publish
21:49their accounts
21:50you ask your
21:51accounting expert
21:52because we said at the beginning
21:53that he has to
21:54control your industry.
21:55So if he controls
21:56your industry
21:57it's a professional secret
21:58it's not done.
21:59So he's not going to
22:00give the name of the company
22:01but he's going to say
22:02in my client portfolio
22:03these X clients
22:04they have an EBE
22:05which is 10%
22:06of the turnover.
22:07If you're at 15%
22:08at the end of your month
22:09you've worked hard.
22:10If on the other hand
22:11you're at 5%
22:12ask yourself questions.
22:13Do you sell cheap enough?
22:14Do you consume
22:15a lot too much
22:16compared to
22:17your business structure?
22:18It's going to give you
22:19information that will
22:20allow you to progress
22:21from month to month.
22:22And the EBE
22:23for those who have
22:24a much more distant vision
22:25if you want to borrow money
22:26we'll look at this indicator.
22:27If you want to raise money
22:28we'll look at this indicator.
22:29If you want to sell your company
22:30we'll value
22:31your company
22:32on this indicator.
22:33And if you want to
22:34have a little more
22:35dividends
22:36than last year
22:37we'll look at this indicator.
22:38And if you want to
22:39have a little more
22:40dividends
22:41than last year
22:42well this indicator
22:43will allow you to have it.
22:44And so the only
22:45financial indicator
22:46to be very simple
22:47to look at in your activity
22:48is the EBE.
22:49And that's kind of
22:50the little bonus
22:51I wanted to bring here
22:52because once you've done
22:53all this
22:54you have the information
22:55and then you can
22:56pilot for the following months.
22:57You're so right
22:58and that's also why
22:59so many freelance
23:00entrepreneurs are fooled.
23:01It's kind of
23:02the reasons for
23:03modern anger.
23:04We make people believe
23:05that they're going to have
23:06a X turnover result.
23:07And in fact
23:08behind
23:09all their charges
23:10when they have removed
23:11the guy who pays
23:12to advertise
23:13the price of advertisements
23:14there's not much left behind.
23:15So it's true that it's always
23:16a little misleading.
23:17And I like that you
23:18shared with us
23:19this metric
23:20that makes a little
23:21the difference
23:22between entrepreneur
23:23and amateur.
23:24I'll put it all
23:25in the newsletter
23:26so you'll have
23:27all the nuggets
23:28we shared with you today.
23:29Nico's promise
23:30was one
23:31to make the account
23:32accessible and fun
23:33and that promise
23:34is really kept.
23:35The second thing
23:36you told us
23:37in less than two hours
23:38because you told us
23:39today we can delegate
23:40to the right people.
23:41I also think
23:42that we can also
23:43go and look
23:44on the GPT Store
23:45if there are
23:46some tools
23:47that can also
23:48simplify the account
23:49to maybe read
23:50these figures better
23:51to aggregate
23:52its data
23:53or why not
23:54you talked about it
23:55earlier
23:56to be able to have
23:57key indicators
23:58on the market
23:59because often
24:00we were talking about
24:01how much others earn
24:02in our industry
24:03averages and all that.
24:04GPT has access
24:05to a lot of data
24:06so it may be worth
24:07looking at it
24:08if it's not too much
24:09of a joke.
24:10Do you use it?
24:11You, the AI.
24:12Nico, in your job,
24:13do you have small tools
24:14to recommend to us?
24:15In my job,
24:16I use the AI
24:17just as an intern
24:18to refine my thoughts.
24:19It actually
24:20brainstorms with me.
24:21And then in my job,
24:22what do I use?
24:23Penny Lane.
24:24In reality,
24:25really not much.
24:26Notion, Gmail
24:27and Penny Lane
24:28for the accounting part
24:29and ChatGPT
24:30as an assistant.
24:31Thank you, Nico,
24:32for sharing
24:33all your knowledge with us.
24:34Tell us quickly,
24:35where can we
24:36find you?
24:37You have a big YouTube channel.
24:38You are also quite present
24:39on LinkedIn.
24:40What is the best place
24:41to send you love
24:42and send you strength
24:43and find out
24:44about your services?
24:45So to send me strength,
24:46you can contact me
24:47directly via LinkedIn.
24:48And to send you strength
24:49also, you pedagogical
24:50in the popularization
24:51of accounting management,
24:52go to the YouTube channel
24:53Les Geeks des Chiffres
24:54and you will learn
24:55a lot of stuff
24:56to go much further
24:57than what I told you
24:58today.
24:59And I think
25:00that's the only thing
25:01for which I could
25:02bring value
25:03for those who listen to us.
25:04Look at that
25:05and you will learn.
25:06That's the main thing.
25:07Well, that's perfect.
25:08They will be at home
25:09since now these episodes
25:10are available on video
25:11on YouTube.
25:12Thank you, Nico,
25:13for coming to see us
25:14and see you soon
25:15in Marketing Square.
25:16Ciao!
25:17If you like this episode,
25:18you can share it
25:19by tagging it
25:20or leave it
25:215 stars
25:22on Apple Podcasts.
25:23Marketing Square.