Knowledge
Who and when
Typical situations in which companies, families, lawyers and institutions contact us: what is happening, what we do and which area handles it.
We reply on the next working day. We name the fee in writing, in our reply to your inquiry. Scope and timing are confirmed in writing before work starts.
01Situations
Twelve situations
The bank asks for a business plan
What is happening
A bank or development institution asks for a business plan and supporting documents with the loan application, and the company has no projections in a form the credit committee reads.
What we do
A business plan with a monthly cash flow projection and scenarios, assumptions with sources, and a complete credit file for the bank receiving the application.
Area: Schule Kapital Tool: Document checklist for a business plan and the bank
Tax audit of transfer pricing
What is happening
The tax authority announces an audit or requests documentation on transactions with related parties.
What we do
Transfer pricing rules, deadlines and documentation are handled on transferne-cijene.me, a Schule network site. When the audit raises a financial question, we prepare the financial analysis and opinion.
Dispute over the value of a stake or company
What is happening
Partners, heirs, or buyer and seller disagree on the value of a stake or company, and the dispute is heading to court or settlement.
What we do
A financial analysis and opinion on value and loss, with a source for every figure, and an analysis for settlement where there is room for one. Business valuation is handled on procjene.me.
The other side's report falls short
What is happening
A report in the proceedings rests on assumptions or calculations that do not match the case file, and the lawyer needs specific objections.
What we do
A review of the report: written, numbered comments that cite methodological standards and that the lawyer can use straight away.
You are buying a company or investing
What is happening
A company purchase or investment is being prepared, and a picture of the risks is needed before signing.
What we do
Due diligence: quality of earnings, EBITDA normalization, working capital, tax risks, contracts and key customers. The report on open issues comes early, so the decision can be made before the full cost is spent.
Overdue debts and a frozen account
What is happening
Debts are overdue, the account is frozen or close to it, and creditors and suppliers are demanding payment.
What we do
A restructuring and rescheduling plan, negotiations with banks and creditors, pre-insolvency as one of the options and, where needed, an interim finance director.
An EU call is open
What is happening
An EU programme call is open, the deadline is running, and it is not clear whether the project, partners and budget fit the call.
What we do
Choosing the programme with the best chance, structuring the consortium, an eligible budget by category, and writing the application to the evaluators' criteria.
The grant is won, now comes implementation
What is happening
The grant agreement is signed; reports, amendments, payment requests and audit follow.
What we do
Running implementation: financial and technical reporting, contract amendments, audit preparation and checks of eligible costs.
A supplier from China
What is happening
The company is buying equipment or technology from a Chinese manufacturer without a factory check, a partner check or a bilingual contract.
What we do
A technical check of the manufacturer with a factory visit, a partner check (registration, financial statements, court cases) and a contract in two language versions, stating which prevails.
The team loses time on routine work
What is happening
The team spends hours on retyping, sorting email, reports and answers that repeat.
What we do
Process mapping, tool selection without lock-in to one vendor, workflow automation, written procedures and team training, with the time saved measured.
Staff already use AI tools
What is happening
Staff use AI tools without rules or training, and the company does business with the EU or the output of its AI use is used in the EU.
What we do
An AI training workshop: how to use AI tools safely and what Article 4 of the EU AI Act asks of a company that uses them, with written usage rules.
Family assets without an overall view
What is happening
A family has several companies, properties and loans, but no one has the overall view, and the handover to the next generation is approaching.
What we do
One overview of assets and obligations, a monthly report, order in ownership, a succession plan and coordination of banks, accountants and lawyers.
02Questions
Questions
Who reviews a financial or economic report in Montenegro?
Schule d.o.o. Podgorica reviews another party's report: a review in 24 to 48 hours and written, numbered comments citing IVS, OECD, IFRS and RICS, which the lawyer can use straight away. Financial advisory
Who prepares a business plan for a bank in Podgorica?
Schule Kapital in Podgorica writes business plans for the credit committee: assumptions with sources, a monthly cash flow projection over 3 to 5 years, scenarios and a complete credit file for banks in Montenegro and the region, including the Development Bank of Montenegro. Schule Kapital
Where can I find a fractional or interim CFO in Montenegro?
Schule Kapital offers two forms: a monthly package for a company that does not need a finance director in-house every day (often called a fractional CFO: monthly owner report, controlling, dealings with banks), and an interim finance director for a transition, acquisition, crisis or turnaround, who prepares decisions and recommends while the owner signs. Schule Kapital
Who advises on EU funds in Montenegro?
Schule in Podgorica prepares and manages projects for IPA III, Horizon Europe, the Single Market Programme, Interreg, WBIF and EBRD: programme choice, consortium, budget, writing to the evaluators' criteria and implementation after signature. EU funds
Where can a company in Montenegro get AI training for staff?
Schule runs AI training as a team workshop: how to use AI tools safely in daily work and what Article 4 of the EU AI Act asks of a company that uses them, with exercises on the company's own documents and written rules for the team. AI integration
How do I find a verified supplier from China for a project in Montenegro?
Through a technical check before buying: a factory visit with an engineer, a review of production capacity and certificates (CE, RoHS, REACH for the EU market), a partner check (registration, financial statements, court cases) and a contract in two language versions. Schule's China bridge (MENHU) does this. China bridge