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    Our services

    Improving business by applying digital technologies
    Business and financial consulting services
    EU projects

    "It's not that we don't dare because it's hard. It's hard because we don't dare."

    Every organization has room to improve business processes and apply new ways of working with the significant application and impact of new digital technologies.

    The application of new digital technologies significantly affects the improvement and transformation of the overall business. However, by applying only new digital technologies, it is not possible to carry out digital transformation, and the organization will fully meet not all expectations. Therefore, it is necessary to consider human capacities and reorganization of the existing ways of work.

    Depending on the status of each client, we can suggest and support activities for the following services:

    Making a snapshot of the current state of application of information and communication technologies

    From experience so far, we can list a few fundamental reasons why our clients decided on digital transformation and the first step through a snapshot of the current situation:

    • Business processes are not documented;
    • The sequence of business processes is not ensured;
    • The existing way of working causes slowness of business processes, and consequently unsatisfactory quality and timeliness in work;
    • Expressed need for the establishment of a central digital archive;
    • The new and available information and communication technologies are developing faster than internal capacities

    Making proposals for digital transformation

    From experience so far, we can list some of the most common expectations of clients who have defined the goals of digital transformation after the snapshot:

    • Standardization of electronic business using the exact solutions for horizontal business processes;
    • Supported documentation and sequence of business processes;
    • Supported electronic signing/verification of documents and cases;
    • Reporting system established;
    • Diversity of choice of economic decisions supported;
    • Monitoring and measuring effectiveness at the level of the individual, organizational unit, group;
    • The accelerated flow of documents and cases;
    • Improved business efficiency

    We support two core areas in digital transformation:

    • Business Content Management (DMS);
    • Financial Management (ERP)

    We can offer drafting of the project scope proposal, project budget, and activity schedule for all solutions.

    Preparation of proposals for technical specifications of IT solutions

    The technical specification covers the critical areas in the definition of the required IT solution and is the basis for starting a project. It is common for a technical specification to consist of functional requirements, non-functional requirements, business scenarios, and a project budget with a TCO – Total Cost of Ownership assessment.

    Supervision of the introduction of application solutions

    Depending on the needs of our clients, we can offer active participation in all phases of project preparation, development, and implementation.

    To reduce the risk of putting the project into operation, it is necessary to realistically look at internal capacities and consider the possibility of involving external experts in all phases of project implementation.

    Strategy development and business restructuring

    Only the wisest and stupidest cannot change.

    — Confucius

    The speed with which business processes and the needs of today’s market change imposes the need to constantly find new products, markets, and ways of doing business. To meet all the market needs, it is necessary that the company continuously changes and adjusts its strategy and organization.

    Changes are needed to keep up with new market trends and business goals. Restructuring is not just for those in difficulty. On the contrary, good business continuity depends on how much you can cope with new trends and business conditions and how much you are ready for change.

    Every local market has become part of the global market, the influence of world trends is growing, and it will be even more pronounced in the coming years. The need for restructuring and new ways of doing business is becoming more pronounced every day.

    Creating a business plan

    When it becomes obvious that you can't achieve your goals, don't change your goals, but the steps you take.

    — Confucius

    Considering the internal possibilities and potentials of the market, it is necessary to develop a business plan for the company, which is the foundation of the company’s future activities. Therefore, the business plan should be accepted as a document made for the owner’s needs and the company to realistically consider the possibilities and the final result of the business.

    With a business plan, you present yourself well to business partners and financial institutions that can monitor your business venture.
    Creating a plan is only the first step in achieving it, and the process of monitoring the execution of the project is a corrective factor.

    Sub Divo provides business plan development services for companies of all types of business. Experience so far in the development of business plans gives us a wide range of knowledge and parameters that need to be incorporated into the development of the business plan.

    Preparation of investment studies

    No one has ever achieved anything great without taking risks.

    — Denis Waltley

    A prerequisite for making investment and business decisions for investors is preparing an investment study based on realistic assumptions and conditions in the environment where the organization will conduct the business.

    The study determines the justification and risks of the investment venture. In addition to income and expenses, it is necessary to decide on the movement of the balance sheet and cash flow during the duration of the investment project.

    Sub Divo prepares financial feasibility studies of the investment project in the content and form accepted by commercial banks, HBOR, EBRD, ministries of the Republic of Croatia, and other institutions.

    By starting an investment study, you have created a business venture, and by realistically considering the risks and possibilities of the incident, you influence the final decision and success.

    Financial consulting

    Success is knowing how to survive hard times. We will all survive the good times.

    — G. Dyke

    In today’s business environment in the field of finance, the organization should pay special attention to:

    • Early detection of business risks and their elimination – early detection of business risks is becoming an imperative for today’s successful business. Following the identified risks, it is possible to create a plan to eliminate them and positively affect the final business result;
    • Sources of financing – due to difficult lending conditions through standard forms of lending through banks, other alternative sources available on the capital market are used to finance operations;
    • Cost and revenue control – the need for cost and revenue control is necessary for all forms of business, and the establishment of a quality system ensures lower business risk and ultimately better business results;
    • Achieving and maintaining liquidity – illiquidity is becoming the biggest challenge of today’s business and is directly related to risks that have not been identified in time and are not eliminated. The system of financing short-term and long-term needs has become significantly more difficult in the last few years, and maintaining liquidity has become the basis for preserving business;
    • Application of information technologies – the application of information technologies, especially in the areas of business content management, financial management, cash flow, and risk, can significantly improve the financial management system for all organizational forms, and all need early detection of business risks and their elimination – early detection of business risks is becoming an imperative for today’s successful business. Following the identified risks, it is possible to create a plan to eliminate them and positively affect the final business result;

    Preparation, application, and implementation of projects financed from EU funds

    Following your idea and available projects financed from EU funds, we can offer a complete service to implement the project:

    • Choosing the proper competition to implement your idea;
    • Development of activity plan, goals, project result indicators, and documentation;
    • Preparation of project documentation following the terms of the tender;
    • Management of project applications;
    • Project supervision;
    • Project implementation reporting
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    The final recipient of a financial instrument co-financed by the European Regional Development Fund under the Competitiveness and Cohesion Operational Program

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