A control panel for your business.

Predictable cash. Confident growth. Fewer financial fires.

We build the financial framework behind good decisions: from reports and forecasts to processes, systems, and controls. Meanwhile, you build your business on facts, not guesswork.

Book a CallHow we work
FoundersIliana Delcheva·Ina Velcheva
20+

years of finance experience behind every model

€1–20M

revenue of the companies we work with

3–6

days a month, embedded in your team

The three challenges

Does this sound familiar?

This is where most conversations with our clients begin.

01Profit

“I don't really know whether we're doing well. The bank balance is still my main KPI. I manage on gut feel, because the numbers don't tell me enough.”

02Processes

“Things keep falling through the cracks. Our data is scattered across different places and a lot of the work is still done by hand. I hear about AI, automation, and modern tools, but I don't know where to start or what would actually help the business.”

03Plans

“Every big decision (growing the team, bonuses, investments, or new markets) starts with a quick glance at the bank account and a bit of hope. At this stage of the business, that already worries me.”

We start with the numbers. But we rarely stop there. Because good decisions rest not only on data, but on the right processes, systems, and responsibilities behind them.

Who we help

Different stages. Different challenges. The same need for better financial leadership.

We most often work with companies that recognise themselves in one of these three situations:

Growing companies

Revenue is growing, but cash is often tight. Decisions are made on intuition rather than data. You're looking for better control over your finances and more confidence in your decisions.

Established companies

The business has been stable for years, but some processes are stuck in the past. You're looking for better structure, a more efficient way of working, and a more modern way of managing.

Companies in transformation

You're planning the next big step: an investment, bank financing, a sale, or a new stage of development. You need reliable numbers and an experienced finance partner you can rely on for the key decisions.

Usually that means:

  • 3+ years in the market, established business model.
  • Revenue over EUR 1M.
  • A management team that wants better visibility.
  • Has an external accountant or internal team, but lacks an experienced finance partner for the key decisions.

What we do

A financial framework for better decisions.

We help you run your business with more confidence, better structure, and less guesswork, working across four core areas:

01

Planning & forecasting

A live forecast that's updated regularly, not a budget that gathers dust after February. Scenarios for growth, hiring, and investment, before you make the call.

02

Management reports & analysis

A monthly pack that shows what actually drives the business: margin, cash, which clients and channels make money. With the story behind the numbers, not just a table of figures.

03

Strategic decision modelling

A new product, a new market, financing, or a sale. We build the financial models that show the consequences of each scenario.

04

Structure & systems

We build the processes, roles, and control environment that let the business grow sustainably. We introduce the modern tools and automation that keep working long after we leave.

Why fractional

Between an accountant and a full-time CFO - the right fit for where you are now.

This is the fractional CFO model: an experienced finance leader becomes part of your team on a flexible basis, without the commitment of a full-time CFO. We don’t replace your accountant; they play a different role. Problems and frustrations arise when you expect one to do the job of the other.

The accountant

Looks backward. Reports what already happened.

VS

The finance partner

Looks forward. Gets you ready for what's coming next.

Both are needed. They're just different roles.

AccountantFinsight 360In-house CFO
FocusCompliance & pastDecisions for the futureThe full finance function
DeliverablesReturns, VAT, statutory accountsModels, forecasts, reports, controlsFull finance team management
AvailabilityReactive, on demandFlexible, embedded in your teamFull-time
Cost (model)Fixed monthly feeFlexible retainer, no long lock-inSalary + benefits
Strategic contributionOutside the scope of the roleThe core of the workFull ownership

How we work

No complicated procedures. We start where it makes sense.

We don't believe in one-size-fits-all solutions. We start with what matters most to your business today and build from there.

01

Understand the business

We start with a review of the current situation: what data, processes, and tools you use today, and what's missing for managing the business better. Then we build the first version of your management reporting framework.

02

Build a regular operating rhythm

We create regularity in management reporting, planning, and decision-making. The important topics get discussed in time, not once they've already become a problem.

03

Solve what matters most

A model for a specific decision, a process redesign, rolling out a policy, introducing a tool. We step in where the business needs extra expertise and support.

Your partners at Finsight 360

A partnership built long before Finsight 360.

We've known each other since our school years and later studied Finance together. Today, we bring together decades of professional experience and build Finsight 360 as a fractional CFO partner to growing and established businesses in Bulgaria and internationally.

Iliana Delcheva

Iliana Delcheva

Co-Founding Partner

Iliana began her career in audit at KPMG and later became Group CFO of an international technology company. Her experience combines the precision of an auditor with the practicality of a finance leader involved in real management decisions.

She has 20+ years of international experience in financial management, control, and reporting. At KPMG in Bulgaria and the Channel Islands she focused on IFRS, risk, and internal control; then as Group CFO at Estafet in the UK and Bulgaria she owned budgets, forecasts, capital decisions, and strategic planning end-to-end.

Iliana works with discipline but thinks through the needs of the business. She believes in structure, clarity, and modern tools - including AI - when they make finance more useful, faster, and more closely tied to decisions.

FCCA · FMVA · MSc Finance, Sofia University

Ina Velcheva

Ina Velcheva

Co-Founding Partner

Ina built her career in financial planning, analysis, and performance management - work that led her to Finance Director at VMware. Her experience is in connecting numbers to the real business and turning them into decisions teams can act on.

She has 20+ years of experience in planning, forecasting, and financial management in international environments. As Finance Director at VMware EMEA she supported the sales organisation with budgets, forecasts, performance analysis, and the transition to a SaaS model, leading regional FP&A teams. Before that, she spent many years in controlling and finance management in international retail and ICT companies.

Ina turns reporting into a tool for action. With her, finance doesn't stop the business with extra complexity - it helps it see more clearly, plan better, and make more grounded decisions.

FCCA · CORe, Harvard Business School Online · MSc Finance, Sofia University

Frequently asked

The questions we hear most often.

Short answers to what owners ask us before we start.

A fractional CFO is a senior finance leader who works with your business on a part-time or retainer basis: three to six days a month, embedded in the team, focused on the decisions and structure a full-time CFO would own. It's what we do at Finsight 360.
An accountant handles statutory reporting on what already happened. We look forward: forecasts, models, decisions. Different roles that complement each other.
The comparison is logical but misleading: it puts two different kinds of work side by side. Accounting is largely standard and repeatable - the same cycle, the same returns, month after month. Our work doesn't repeat: today it's a model for a decision, tomorrow a contract negotiation, then a system roll-out. You pay for a different kind of work, not more of the same.
No. We work alongside your accounting team. They stay; we add what they're missing: the forward-looking financial insight.
No. If you have a team, we work with them at the strategic level: direction, models, decisions. If you don't, we build what's missing, including selecting and training the team for you.
Day-to-day bookkeeping, invoicing, processing accounting documents, inventory work. That's the job of a permanent operational function. We do something else: direction and decisions.
We typically work with companies above EUR 1M revenue and 3+ years in the market. Use the numbers as a guideline. If you recognise the pain points above, let's talk.
Finsight 360 is a Sofia-based finance consultancy. We work with Bulgarian companies as well as international businesses with operations or teams in the region. Meetings can be in person or remote, depending on what fits your team.

Contact

Let's talk about your business.

Half an hour, no commitment. You tell us where the business is today and what challenges you're facing; we tell you what we think the most suitable next step is.

Book a Call

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