Financial Advisor in Lleida

Financial Advisor in Lleida: Planning, Control, Indicators and Trust for Your Business

At EBSERCO (EBS Consulting), we understand that having a good financial advisor is a key decision for the stability and growth of any company. In today’s changing economic environment, full of challenges—from cash flow management to international expansion—the financial advisor becomes an essential ally.

We are your trusted firm for tax, accounting and labour management, with offices in Tàrrega (Lleida) and Tamarite de Litera (Huesca). Our experience and dedication allow us to offer a service with the same personalised approach that has always defined us. From here, we help companies and self-employed professionals make the right financial decisions, optimising resources and ensuring compliance every step of the way.

What Does Comprehensive Financial Advisory Mean?

When we talk about financial advisory, we refer to much more than bookkeeping or filing taxes. It’s a set of strategic actions: detailed business analysis, risk identification, cash-flow planning, capital optimisation and continuous guidance.

For us, this means having experts involved in every stage of your business—from forecasting income and expenses to negotiating financing or planning expansion.
We have the experience and dedication of our professionals, with the goal of offering a service with the same personalised attention as always.

Key Financial Advisory Services in Lleida

Below, we explain how we address each critical area of financial management, tailored to the business reality of Lleida and its particular challenges:

1. Financial Analysis and Treasury Planning

We start with an in-depth diagnosis: how money enters and leaves, the main expense peaks and potential liquidity risks. From there, we design a short- and medium-term treasury plan that includes forecasts of income, expenses, financing needs and efficient cash management.

2. Management Control, Cost Optimisation and Operational Profitability

For sustainable growth, it’s not enough to generate revenue—every euro must work efficiently. We perform cost studies, identify areas for improvement, propose performance indicators and help implement more efficient processes. This ensures that your resources are working at their best.

3. Budgeting, Forecasts and Growth Scenarios

We prepare realistic budgets, develop forecasts under different scenarios (optimistic, standard, conservative) and provide your company with the tools to react to deviations. This improves anticipation capacity and prevents unexpected situations.

4. Financing and Investment Management

We search for and manage financing sources adapted to your company—banking, public or private investors. We handle documentation, negotiate conditions and present your project to potential financiers.
We also advise on internal and external investments, always with a strategic, long-term vision.

5. Coordinated Accounting, Tax and Labour Advisory

For financial advisory to be truly comprehensive, it cannot be separated from accounting, taxation and HR management. Our approach integrates these three pillars so that your financial strategy is supported by a solid structure.

6. Internationalisation and Sector Specialisation

At EBSERCO, we know that globalisation is no longer optional. Our firm has a client portfolio across the European Union, allowing us to apply a global vision to local management.
EBS Consulting is a leading firm in managing foreign investments for companies in the agri-food sector, especially the pork industry. This expertise gives us a competitive edge in Lleida, where agriculture and agri-food industries are key to the economy.

Key Financial Indicators and How to Interpret Them

To strengthen financial management, it’s essential to understand and master the main financial indicators (ratios). Here are the most relevant ones, with formulas, interpretation and practical examples.

What Are Financial Ratios?

Financial ratios are mathematical relationships that evaluate the economic, financial and operational situation of a company using its accounting data (balance sheet and income statement).
They help identify liquidity, debt, profitability and efficiency levels.

Main Ratios and Their Application

a) Liquidity Ratio (Current Ratio)
Formula: Current Assets / Current Liabilities
Measures the company’s ability to meet short-term obligations. A “healthy” range is typically between 1.5 and 2.0.

b) Quick Ratio (Acid Test)
Formula: (Current Assets − Inventories) / Current Liabilities
A stricter measure of liquidity, excluding inventory that might not easily convert to cash.

c) Debt Ratio (Leverage)
Formula: Total Liabilities / Equity
Shows what portion of financing comes from external sources. Between 0.4 and 0.6 is balanced; above 0.6 indicates higher debt risk.

d) Return on Equity (ROE)
Formula: Net Profit / Equity
Measures how much return the company generates on shareholders’ equity.

e) Asset Turnover Ratio
Formula: Sales / Total Assets
Shows how many euros of sales are generated by each euro invested in assets.

How to Apply These Indicators in Lleida

In Lleida’s agri-food context, these indicators reveal key financial pressures:

• Businesses with high inventories (pork, fruit, etc.) must monitor liquidity closely.

• Expanding or export-oriented companies tend to increase leverage; debt ratios must be controlled.

• Investments in facilities or automation raise total assets, so asset turnover helps determine if those resources generate enough sales.

At EBSERCO, we use these ratios as part of our advisory process: we calculate, interpret and benchmark them against sector standards, then propose corrective measures.
Our firm serves clients throughout the European Union, which allows us to combine local expertise with an international perspective.

Financial Planning Tailored to Each Client

Every company requires a unique financial plan. We take the time to understand your business structure, income and expense flows, and growth projections. From that analysis, we design financial plans that help maintain economic balance, improve profitability and ensure long-term stability.

Our proximity to clients, combined with a global and up-to-date market perspective, enables us to provide solutions that merge technical rigour with human and ongoing support.

Financial Advisory with a Local and European Vision

We work with companies operating locally and internationally.
Our offices in Tàrrega and Tamarite de Litera act as a bridge between local businesses and investment opportunities across Europe. This link between local and global economies is one of the reasons many companies trust us as their financial advisor in Lleida.

With our experience in financial, accounting and tax management, we ensure that every operation complies with the applicable regulations in each territory where our clients operate.

Financial Advisory with a Human Touch and Real Results

At EBSERCO (EBS Consulting), we believe that a good financial advisor does more than manage numbers: we strengthen businesses, drive projects and accompany every decision with professionalism and care.
Our mission is not just to improve a company’s figures, but to provide stability, foresight and confidence.

We offer financial advisory that combines experience, deep understanding of the business environment and personal commitment.
Because a financial advisor doesn’t just handle figures—he helps businesses grow and contributes to the progress of an entire region.