George Z.

Chartered Accountant (ACA) helping startups, SMEs, investors and business owners with financial modeling, fractional CFO support, business valuations, financial due diligence and Quality of Earnings analysis. I have 10 years of finance experience across Big Four and advisory firms in the UK and Cyprus, covering financial analysis, M&A, valuations, forecasting, audit and strategic finance. My work usually falls into three areas. Financial Modeling & Fractional CFO I build clear, practical financial models that management can actually use for planning, fundraising and decision-making. This can include: • 3-statement financial models • Budgeting and forecasting • Cash-flow forecasting • Scenario and sensitivity analysis • Management reporting and KPI analysis • FP&A and monthly financial review • Investor and board reporting • Strategic finance support I can also support founders and SMEs on an ongoing Fractional CFO basis, helping turn accounting information into clear financial decisions. Business Valuation I prepare business valuations for: • Business acquisitions and disposals • Shareholder transactions • Fundraising and investment decisions • Strategic planning • Internal decision-making Depending on the assignment, my work may include DCF analysis, comparable company analysis, transaction multiples and detailed financial modeling. Financial Due Diligence & Quality of Earnings I support buyers, sellers and investors with financial due diligence and QoE analysis. This can include: • Historical financial performance analysis • EBITDA normalization and adjustments • Quality of Earnings analysis • Working capital analysis • Cash-flow review • Identification of financial risks and unusual items • Forecast and business-plan assessment • Buy-side and sell-side due diligence My aim is simple. I take complex financial information and turn it into something clear enough to support an investment or business decision. Additional expertise As a Chartered Accountant, I can also assist with IFRS financial statements, audit support, Cyprus accounting matters, Transfer Pricing and SIT compliance where required. Why clients work with me • Chartered Accountant with Big Four experience • 10+ years across finance, M&A and advisory • Strong financial modeling and analytical background • 100% Upwork Job Success Score • Top Rated on Upwork • Clear reports and practical recommendations • Comfortable working with founders, management teams and investors If you are building a financial model, assessing an acquisition, valuing a company or need senior finance support without hiring a full-time CFO, send me a message with a brief description of the project.