Malma Consulting & Trading 1M PLC.

Fayida Tax Finance Consulting & Asset Valuation

Business Plan
For
Bank Loan
(Mela Express Delivery)

Prepared for:
Leander Bank (Siinqee Bank)

Prepared by:
Malma Consulting and Trading 1M PLC
Fayida Tax Finance Consulting &Asset Valuation

On behalf of Mela Express Delivery

January 2025

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 Malma Consulting & Trading 1M PLC.
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Contents
1. Loan Proposal Letter.......................................................................................................................3
1. Executive Summary.................................................................................................................................4
Loan Request.........................................................................................................................................4
Loan Repayment....................................................................................................................................5
2. BUSINESS DESCRIPTION.............................................................................................................6
3. Management Profile...........................................................................................................................8
4. Marketing Plan....................................................................................................................................8
5. Technical Analysis.............................................................................................................................10
6. Financial Plan..................................................................................................................................12
6.1. Loan Request................................................................................................................................12
6.2. Loan Repayment...........................................................................................................................13
6.3. Collateral............................................................................................................................................14
7. FINANCIAL PLAN.........................................................................................................................14
7.1. Working Capital Requirement....................................................................................................14
7.2. INCOME STATEMENT.........................................................................................................14
7.3. BALANCE SHEET.....................................................................................................................14
7.4. CASH FLOWS.........................................................................................................................14
8. Success Factors................................................................................................................................14
9. The Importance of Reliable Courier Services in Modern Business Operations................................15
10. Appendix----- Projected Financial Statement............................................................................16

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Date___________

Ref____________

1. Loan Proposal Letter

Dear-Siinqee Bank

Mela Express Delivery have been in Courier delivery service before 4 years,
by holding old customers. We started out in Addis Ababa by doing strongly.
We expand our branch out of Addis Ababa. Our Courier Delivery is branding
than another in terms of fasting, affordable and reliable. Company’s
employees are more experienced in customers handling.

The following proposal will show lender Sinqee Bank why I am seeking alone to covers a
company's short-term operational expense needs (Working Capital) and how the money will
be used to complement my sales and profitability.

Sincerely

Malma Consulting and Trading 1M PLC

Fayida Tax Finance Consulting &Asset Valuation
On behalf of Mela Express Delivery

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 Malma Consulting & Trading 1M PLC.
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1. Executive Summary
Here are a few key components to include in your executive summary:

 Company name: is MELA EXPRESS DELIVERY Sole Proprietor

 Location/Address: located at Addis Ababa. Gulale woreda 09
 Establishment period: founded in 2014 E.C
 Owner: It was founded by Betremusei Dagnachew Admasu
 Purpose of Plan: To faced Courier delivery service problem.
 Amount need from Bank: We are currently seeking a loan of Working Capital. 9.5 million
 Market Opportunity: MELA EXPRESS DELIVERY’s Market opportunity Summarize in
market size and growth potential is increase daily customers from 500 to 1,000
Revenues/Income growth by 45%, this means revenue bir 36,251,032.00 in 2024 to bir
232,359,474.61 in 2029.
 Business Type: courier delivery services
 Service Scope: For instance, our services include domestic courier delivery, door-to-door
delivery, same-day delivery, etc.
 Goals: Our Goal is to deliver courier fast, reliable and affordable. We are strategically
plan on acquiring customers, by branding the company and modernize it. We plan to
encouraging customers from 500 to 1,000 daily.
 Financially we project from 2024 for five years. Those includes capital or investment
requirements, acquiring loan birr 9,500,000. We projected revenues bir 36,251,032.00 in
2024 to bir 232,359,474.61 in 2029. By grown 45% Net profit forecasts bir 11,804,314.80
on 2024 reach 75,565,143.47 on 2029. Our Potential business is courier faster and reliable.

 Loan Request

The loan will consider to achieve the following goals:

The loan we are requesting from Siinqee Bank will go towards the following needs:

Requirements Amount Required

To increasing income contact previous daily 4,000,000.0
customers 500 to 1,000 customers (daily ) 0
To create New Work line International Courier 3,000,000.0
from and to Indian, Dobie, Chines 0
Branding and Modernization System to Fast, 1,000,000.0
affordable and reliable Courier delivery 0
Staff 500,000.00
300,000.0
Marketing (Advertisement)
0

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Rent for new branch 540,000.00

Utility 160,000.00
Total Amount Required 9,500,000.00

Explanatory detail of loan requirement

After we seek 9.5 million loan the loan our customer snap shoot automatically from 500 to
1,000 per a day and it contribute for daily income

 Loan Repayment
We are request lender-Siinqee Bank for a loan of 9.5 million to be repaid over 5 years at a rate of
14% interest making payment quarterly and repayable as shown in bellow table in year. We are
left with enough money to comfortably repay a loan under this terms. Because our past three
year’s income performance is show us growing. The coming 5 year income also projected by
45% increase.

Interest Cost
Period- Outstanding
yearly Loan Interest Repayment Balance
1,900,000.0
Year-1 9,500,000.00 1,330,000.00 0 7,600,000.00
1,900,000.0
Year-2 7,600,000.00 1,026,000.00 0 5,700,000.00
1,900,000.0
Year-3 5,700,000.00 769,500.00 0 3,800,000.00
1,900,000.0
Year-4 3,800,000.00 513,000.00 0 1,900,000.00
1,900,000.0
Year-5 1,900,000.00 256,500.00 0 0.00

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2. BUSINESS DESCRIPTION
2.1. BUSINESS OVERVIEW

Courier Service:- In the past, courier services were limited to local pickup and delivery, often
for legal organizations and nearby businesses. Now, couriers can deliver anywhere and anytime
with speed, efficiency, and bespoke services. Even with customizable services, couriers often
charge less than postal services. Shipping carriers that offer courier service to final delivery
destination are becoming a key part of logistics management.

Our Company/Trade, MELA EXPRESS DELIVERY is owned by BETREMUSEI DAGNACHEW

ADMASU and Established since 2014 In E.C at Addis Ababa.

Mela Express Delivery delivery service that operates in Addis Ababa. Our mission is to deliver
parcels, documents, and packages for a variety of businesses and individuals located in Ethiopian
(specially, Bahardar, Mekele, Jima and Asosa area.

We offer delivery for all local industries and businesses, including the medical industry, retail
establishments, corporate offices, and more. We ensure great customer service, special services,
and speedy delivery for a moderate price.

We aim to be as good as larger chains (such as FedEx and UPS) but offer more unique services
for a more affordable

2.2. VISION, MISSION AND OBJECTIVE STATEMENT

Vision
A vibrant postal and courier sector where value for money and expanded customer choice is
driven by innovative and customer focused providers.

Mission
To deliver parcels, documents, and packages for a variety of businesses and individuals
To ensure adequate universal and competitive postal and courier services through the setting and
enforcement of service standards and promotion of policies that will enhance innovation,
efficiency and accountability in service delivery.

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Objectives

 To promote and encourage the expansion of Courier services for the social and
economic development of the country.
 To promote an efficient system for the delivery of mails nationwide in a manner
responsive to the needs of mail users
 To promote fair competition among persons engaged in the provision of postal services.
 To protect licensees and consumers from unfair conduct of other licensees with regard to
quality of postal services.
 To protect generally the interest of consumers.
 To promote the use of technology in the provision of postal services.

2.3. ORGANIZATION AND STRUCTURE

Service based Courier Service would have been organizing as a Sole Proprietorship due to the
ease of organization and simplicity of structure. The business has been primarily owned and
managed by BETREMUSEI DAGNACHEW ADMASU

BUSINESS LOCATION
OUR MELA EXPRESS DELIVERY (COURIER SERVICE) will be located in Addis Ababa
Gulale Sub city wored 09 H.no 168 as Head Office.
Services Provided
MELA EXPRESS DELIVERY deliver parcels, packages, and documents from Addis Ababa to
their regional destinations like Bahardar, Mekele, Jima, Asosa and Vice Versa Packages can be
of any size and weight, as long as they fit into one of our vehicles.

Furthermore, we offer a variety of shipping methods, from economy to same-day delivery. We

are flexible with the goods we deliver, as we want to fulfill all our customer’s delivery needs.
Below are a few of the services that our customers will enjoy with us:

 Same-day delivery services

 On-call services
 Monthly rates and volume discounts
 Route delivery
 Next-day delivery services
 Specialized personalized delivery services.
 International delivery services

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 Malma Consulting & Trading 1M PLC.
Fayida Tax Finance Consulting & Asset Valuation

Customers can order their services either by calling us, scheduling a delivery on our website, or
setting up a service in our app.

3. Management Profile

The current staff is 42 as indicated in the below table. We went to increase staff by 20%

3.1. Milestones Table

Milestones
Milestone Qty Position Budget Remark
1 Customer service coordinator 1 15,000.00
2 Customer service 8 64,000.00
3 Regional manager 1 13,000.00
20,000.0
Finance 2
4 0
30,000.0
Drivers 3
5 0
6 Packagers 10 90,000.00
7 Janitors (Cleaners) 5 17,500.00
8 Delivery Person (Messenger) 12 60,000.00

309,500.0
Total 42
0

4. Marketing Plan

4.1. Target Market The target market for our business is all Ethiopian destination specially,
Addis Ababa, Bahardar, Jima, Makele, Asosa

4.2. COMPETITOR ANALYSIS

Due to Ethiopian town size, there are relatively few Courier that will be in direct competition
with MELAEXPRESS DLIVERY To compute with our competitor’s we provide better quality
service with fair price wise

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Hassle-Free Speed wise

Post offices have levels of bureaucracy that create hassles when organizations require specific
shipping needs. A corporate courier delivery service has efficient, often customizable route
planning and highly trained staff that ensure your packages get where they need to be on your
schedule.

Some courier companies have their airlines to move freight, while others use commercial airlines
to help get parcels to their final destinations.

Reliability wise
Couriers tend to be more reliable than postal services because they offer options like tracking
services, door-to-door delivery, and convenient smartphone apps with real-time tracking. This
can help with inventory management.

Of course, Ethiopost, AHUNUNU, DHL express deliver to every address in the in Ethiopia, but
they often have issues getting packages from the postal service to the final address.

Commercial couriers have bigger budgets so they can provide better services with high-tech
tracking services.

Smartphone apps deliver notifications on your package’s location. You can bypass in-person
signatures with electronic signatures or by sending your package to a pick-up location if you
aren’t at home when the delivery van arrives.

Safety wise
A professional courier service should have safety features thanks to their thorough training
procedures and high-tech logistics services. Couriers work hard to reduce losses and damage
while packages are in transit, especially compared to postal services.
Businesses can trust their packages are in good hands because courier services have their
reputation on the line. And because couriers take good care of packages, business owners can
take care of other needs. If they need additional coverage, businesses can add insurance to their
shipping services.

Affordability wise
Although courier services tend to cost more than standard postal services, their services are more
reliable, efficient, and timely. Some courier services use postal services to reach remote
addresses, courier services take care of packages from start to finish.
The shipping cost with a courier company helps pay for trucks and jets, staff training, and
logistics technology. These services are expensive, but they pay off as the companies with these
resources manage packages with exceptional skills.

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You can save money using less expensive packing materials, but you should make sure your item
is packed appropriately.

Couriers and Parcel Carriers

Ethiopost, DHL, AHUNUNU differ from government-run mail services, and they are slightly
different from smaller courier companies. These private companies provide same-day, 24-hour,
and international shipping services but with limited customizable services.

Some large parcel companies do not offer customizable packaging services, and their 24-hour
and same-day delivery services have cut-off limits based on their shipping routes and schedules.
Unlike smaller couriers, corporate parcel services have big delivery windows that can be an
entire business day.

Another difference between courier transport and parcel companies is how packages arrive at
their final destination.

Parcel companies also have limits to what they will ship, especially regarding animals or medical
transplant tissues. If they offer special handling, the fees to deliver dangerous goods can b

ADVERTISING AND SALES

The main marketing strategy begins as a provide quality, unique and full package services;
deliver to the needs of potential customers, that would fill the needs of them. We are planning
our marketing strategy so that we ensure excellence Service with affordable price.

5. Technical Analysis

The 2022 to 2024 year performance of company is show us income increasing which is indicate
income/sales from birr 9,366,858.32 of (2022), 20,326,232.00 of (2023) and 36,251,032.00 of
(2024) performance. The performance analysis table show us our capital is increase from
3,119,542.70 to 6,603,476.97

Past Performance Analysis

Performance Analysis
Past Performance
2022 2023 2024
9,366,858. 20,326,232.0 36,251,032.0
Sales
32 0 0
Gross Margin 5,798,637. 16,403,509.2 20,861,114.6

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 Malma Consulting & Trading 1M PLC.
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32 0 0
80.7 57.5
Gross Margin % 61.90589333
0 5
1,411,648. 2,513,795.5 2,728,322.6
Operating Expenses
55 0 0
Balance Sheet
2021 2022 2023
Current Assets
3,608,382. 4,539,331.0 6,423,045.0
Debtors and Prepayments
25 0 0
2,253,502. 3,152,360.0 2,253,502.1
Cash on Hand and at Bank
10 0 0
Other Current Assets
-
5,861,884. 7,691,691.0 8,676,547.1
Total Current Assets
35 0 0
Long-term Assets
72,300. 326,349.5 271,713.0
Fixed Assets
00 0 8
3,253,511.0 5,653,254.0
Differed Asset
0 0
Ac.td Depreciation
72,300. 3,579,860.5 5,924,967.0
Total Long-term Assets
00 0 8
5,934,184. 11,271,551.5 14,601,514.1
Total Assets
35 0 8

Current Liabilities
1,669,560.0
Creditors and Accruals 1,297,195.58 1,297,195.58
0
1,517,446. 6,328,477.2
Profit Tax Payable 4843399.795
07 0
2,814,641. 7,998,037.2
Total Current Liabilities 6,140,595.38
65 0
Long-term Liabilities
2,814,641. 7,998,037.2
Total Liabilities 6,140,595.38
65 0

Capital
250,000.0
Paid-in Capital 250,000.00 250,000.00
0
6,353,476.9
Retained Earning 2869542.701 4880956.125
7

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 Malma Consulting & Trading 1M PLC.
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6,603,476.9
Total Capital 3,119,542.70 5,130,956.13
7
Total Capital and 5,934,184. 14,601,514.1
11,271,551.50
Liabilities 35 8
Payment Days 30 30 30

ASSUMPTION TAKEN IN TO CONSIDERATION IN THE FINANCIAL ANALYSIS

Assumptions The following assumptions are taken in to consideration throughout the financial
analysis. All finance is expressed in terms of Birr, and fractions are rounded to the next digit.
Particulars Measure
Rate of Interest (Bank) 14%
Source of finance 70% Loan, 30%from Equity
Discount rate 12%
Accounts receivable 30 days
Account payable 30 days
Cash on hand 5 days
Depreciation (furniture & fixtures) SLM 5 years
Tax 35%
Repayment period of Debt 5 years

6. Financial Plan

6.1. Loan Request

The loan will consider to achieve the following goals:

Our Goal is courier deliver

The loan we are requesting from Siinqee Bank will go towards the following needs:

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 Malma Consulting & Trading 1M PLC.
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Requirements Amount Required

To increasing income contact previous daily 4,000,000.0
customers 500 to attend 1,000 customers (daily ) 0
To create New Work line International Courier 3,000,000.0
from and to Indian, Dobie, Chines 0
Branding and Modernization System to Fast, 1,000,000.0
affordable and reliable Courier delivery 0
500,000.0
Staff
0
300,000.0
Marketing (Advertisement)
0
540,000.0
Rent for new branch
0
160,000.0
Utility
0
9,500,000.0
Total Amount Required
0

Explanatory detail of loan requirement

After we seek 9.5 million loan the loan our customer snapshot automatically from 500 to attend
1,000 per a day and it contribute for daily income

6.2. Loan Repayment

We are request lender-Siinqee Bank for a loan of 9.5 million to be repaid over 5 years at a rate of
14% interest making payment quarterly and repayable as shown in bellow table in year. We are
left with enough money to comfortably repay a loan under this terms. Because our past three
year’s income performance is show us growing. The coming 5 year income also projected by
45% increase.

Repayment and Interest Cost Schedule in 5 year

Period- Outstanding
yearly Loan Interest Repayment Balance
1,900,000.0
Year-1 9,500,000.00 1,330,000.00 0 7,600,000.00
1,900,000.0
Year-2 7,600,000.00 1,026,000.00 0 5,700,000.00
1,900,000.0
Year-3 5,700,000.00 769,500.00 0 3,800,000.00
1,900,000.0
Year-4 3,800,000.00 513,000.00 0 1,900,000.00

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1,900,000.0
Year-5 1,900,000.00 256,500.00 0 0.00

6.3. Collateral
We have attached security for our loan request on letter

7. FINANCIAL PLAN

7.1. Working Capital Requirement

Working Capital Requirement from bank loan have been estimated at 9,500,000 and the
remaining amount will be covered from owner equity. Loan, with interest at 14.%.

7.2. INCOME STATEMENT

Based on the assumption that our company will achieve the forecasted sales of Br.
36,251,032.00 by the end of Year 2024, Net Income will reach Br. 11,804,314.80 at that time.
Growth rates of 57.55% in from Year 2 up to Year 5 will result in respective sales of Br. Br.
232,359,474.61 and net income 11,804,314.80 in 2029
The complete Pro Forma Income Statement may be found in Appendix D.

7.3. BALANCE SHEET

Over the 2024 years, our total assets increase from Br. 14,601,514.18 to Br. 93,591,822.77
(2029 because of increases in inventory levels and cash balances. Over that same period, total
capital increase from Br. 6,603,476.97 to Br. 42,326,531.29. The complete Pro Forma Balance
Sheet may be found in Appendix E.

7.4. CASH FLOWS

Over the course of the 2024 business year, cash flows will increase from Br. 3,152,360.00
to an ending cash balance of around Br. 21,285,152.01 While this amount is certainly not a large
sum of cash to have on hand, the ending cash balance for Year 5 is expected to grow to over Br.
468,201,014.72. The complete Pro Forma Cash Flows may be found in Appendix F

8. Success Factors
Mela Express Delivery is qualified to succeed due to the following reasons:
 The company will provide valuable delivery services to local businesses who don’t want
to work with impersonal national chains.

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 The management team has a track record of success and experience in the delivery
service market.
 Mela Express Delivery will provide high quality customer service and a variety of
services catered to every business that partners with us.

9. The Importance of Reliable Courier Services in Modern Business Operations

In a world where the business landscape is more fast-paced than ever before, the importance of
courier services has never been more critical to ensure reliable deliveries. Efficient courier
services contribute towards the smooth operation of modern businesses, delivering documents,
packages and goods swiftly and securely to their destinations.

At Williamson Global Logistics, we understand the essential role of courier services in

contemporary commerce. Here we will cover the importance of these vital services in the
modern business world, highlighting how they support various industries and enhance customer
satisfaction.

 Simplifying Business Operations: Courier services play a crucial role beyond simply delivering
goods – they also contribute towards the wider operations of businesses. Often relied upon to
transport confidential documents, as well as parts and supplies essential for the daily running of
the business, courier services provide a dependable solution employed by a variety of
industries. They are particularly important for the healthcare, finance and legal industries
where the secure and punctual transport of documents is paramount.
 Improving Customer Satisfaction: Every successful business should strive to enhance customer
satisfaction, and efficient delivery can assist in achieving this. The reliable and fast delivery
options provided by courier services can significantly improve the client experience. When a
customer’s order arrives in a timely manner and good condition, this strengthens their trust in
the business and encourages loyalty. Customers can also benefit from the tracking features
offered by many services, further enhancing satisfaction.
 Ensuring Prompt Deliveries: In today’s modern world where deadlines and tight schedules
abound, it is no surprise that speed is a crucial factor for success. As businesses operate under
stringent timelines and customers expect faster service than ever before, the reliability and
speed of courier services is vital. From same-day deliveries in cities to expedited international
shipping, courier services provide the required logistics solutions to meet these demands,
allowing businesses to preserve their reputation and exceed customer expectations.
 Contributing to E-commerce Growth: The retail industry has been revolutionized by the rise of
e-commerce, and courier services have played an integral role in this transformation. The
growing popularity of online shopping has led to a greater demand for dependable delivery
solutions. Not only do courier services allow e-commerce businesses to complete orders
efficiently for customers worldwide, but they also deal with customs clearance and the logistics
of shipping. This enables e-commerce companies to focus on the smooth running of their
business

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 Malma Consulting & Trading 1M PLC.
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10. Appendix----- Projected Financial Statement

Appendix C
Betremusei
Working capital Requirement
Item Description Quarter 1 Quarter 2 Quarter3 Quarter 4 Total
To increasing income, contact
1,000,0 1,000,000. 1,000,00
previous daily customers 500 to rich 1,000,000.00 4,000,000.0
00.00 00 0.00
1,000 customers (daily ) 0
To create New Work line International
750,0 750,000. 750,00
Courier from and to Indian, Dobie, 750,000.00 3,000,000.0
00.00 00 0.00
Chines 0
Branding and Modernization System
250,0 250,000. 250,00
to Fast, affordable and reliable 250,000.00 1,000,000.0
00.00 00 0.00
Courier delivery 0
125,0 125,000. 125,00 500,000
Staff 125,000.00
00.00 00 0.00 .00
75,0 75,000. 75,00 300,000
Marketing (Advertisement) 75,000.00
00.00 00 0.00 .00
135,0 135,000. 135,00 540,000
Rent for new branch 135,000.00
00.00 00 0.00 .00
40,0 40,000. 40,00 160,000
Utility 40,000.00
00.00 00 0.00 .00

2,375,000.0 2,375,000.0 9,500,000.0

Total Amount (A) 2,375,000.00 0 2,375,000.00 0 0

Current Assets
1,605,750.0 1,605,750.0 6,423,000.0
Debtors and Prepayments
1,605,750.00 0 1,605,750.00 0 0
2,253,502
Cash on Hand and at Bank 563,375.53
563,375.53 563,375.53 563,375.53 .10
Trade Receivable
2,169,125.5 2,169,125.5 8,676,502.1
Total Current Assets (B) 2,169,125.53 3 2,169,125.53 3 0
Current Liability
3,318,520.0
Account Payable 829,630.00 829,630.00 829,630.00 829,630.00 0
3,318,520.0
Total Current Liability (C) 829,630.00 829,630.00 829,630.00 829,630.00 0

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 Malma Consulting & Trading 1M PLC.
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1,035,504.4 1,035,504.4 4,142,017.9

Total Working Capital E=A-(B-C) 1,035,504.48 8 1,035,504.48 8 0

Appendix D
Betremusei
Projected Income Statement

Operating Year 2024 2025 2026 2027 2028 2029

36,251,032.0 52,563,996. 76,217,794. 110,515,802.4
SALES 160,247,913.52 232,359,474.61
0 40 78 3
22,315,380. 32,357,301. 46,918,086.9
COST OF SALES 15,389,917.40 23 33 3 68,031,226.05 98,645,277.78

30,248,616. 43,860,493. 63,597,715.5

GROSS PROFIT 20,861,114.60 17 45 0 92,216,687.47 133,714,196.83

Other Income
Interest Income

EXPENSES

3,956,067. 5,736,298. 8,317,632.4

Administrative 2,728,322.60 76 26 7 12,060,567.08 17,487,822.27

2,728,322.6 2,728,322. 2,728,322. 2,728,322.6

Total Expense 2,728,322.60 2,728,322.60
0 60 60 0
Profit before Tax
18,132,792.01 18,132,792.01
And Interest 18,132,792.01 18,132,792.01 18,132,792.01 18,132,792.01

Cost of Finance

Profit After Interest

Operating Net
80,156,120.39 116,226,374.56
Income for Taxation 18,132,792.01 26,292,548.41 38,124,195.19 55,280,083.03
Provision for
28,036,642.14 40,661,231.10
Taxation 6,328,477.20 9,184,391.94 13,325,468.32 19,330,029.06
Operating Net
income After 52,119,478.25 75,565,143.47
11,804,314.80 17,108,156.46 24,798,726.87 35,950,053.97
Taxation

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Appendix -E

Betremuse
Balance Sheet Pro form Balance Sheet
2024 2025 2026 2027 2028 2029
Current Assets
6,423,0 9,313,4 13,504,452 19,581,455. 28,393,110.5
Debtors and Prepayments 41,170,010.32
45.00 15.25 .11 56 7
Cash on Hand and at 2,253,5 3,267,5 4,737,988 6,870,082. 9,961,620.1
14,444,349.17
Bank 02.10 78.05 .17 84 2
Other Current Assets
8,676,5 12,580,9 18,242,440 26,451,538. 38,354,730.6
Total Current Assets 55,614,359.49
47.10 93.30 .28 40 8
Long-term Assets
271,7 393,9 571,276. 828,351. 1,201,109.3
Fixed Assets 1,741,608.55
13.08 83.96 74 27 5
5,653,2 8,197,2 11,885,966 17,234,651. 24,990,244.6
Differed Asset 36,235,854.73
54.00 18.30 .54 48 4
Ac.td Depreciation
5,924,9 8,591,2 12,457,243 18,063,002. 26,191,353.9
Total Long-term Assets 37,977,463.28
67.08 02.26 .28 75 9
14,601,5 21,172,1 30,699,683 44,514,541. 64,546,084.6
Total Assets 93,591,822.77
14.18 95.55 .55 15 7
Current Liabilities
1,669,5
Creditors and Accruals 2,420,862.00 3,510,249.90 5,089,862.36 7,380,300.41 10,701,435.60
60.00
6,328,4 9,176,2 13,305,623 19,293,153. 27,975,073.0
Profit Tax Payable 40,563,855.88
77.20 91.94 .32 81 2
Total Current 7,998,0
11,597,153.94 16,815,873.22 24,383,016.16 35,355,373.44 51,265,291.49
Liabilities 37.20
Long-term Liabilities
7,998,0
Total Liabilities 11,597,153.94 16,815,873.22 24,383,016.16 35,355,373.44 51,265,291.49
37.20
Capital
250,0
Paid-in Capital 362,500.00 525,625.00 762,156.25 1,105,126.56 1,602,433.52
00.00
Retained Earning 6,353,4 9,212,5 13,358,185 19,369,368. 28,085,584.6 40,724,097.77

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 Malma Consulting & Trading 1M PLC.
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76.97 41.61 .34 74 7

6,603,4
Total Capital 9,575,041.61 13,883,810.34 20,131,524.99 29,190,711.23 42,326,531.29
76.97
Total Capital and 14,601,5
21,172,195.55 30,699,683.55 44,514,541.15 64,546,084.67 93,591,822.77
Liabilities 14.18
Payment Days 30 30 30 30 30 30

Appendix F
Betremuse
Pro form Cash Flow

Operating Years 2024 2025 2026 2027 2028 2029

Beginning Cash Balance 3,152,360.00 21,285,152.01 51,425,179.76 99,745,195.23 175,349,587.92 291,624,401.64
Cash Inflows
Sales 36,251,032.00 52,563,996.40 76,217,794.78 110,515,802.43 160,247,913.52 232,359,474.61
Total Cash Inflows 36,251,032.00 52,563,996.40 76,217,794.78 110,515,802.43 160,247,913.52 232,359,474.61
Cash Outflows
Cost of Goods Sold 15,389,917.40 18,467,900.88 22,161,481.06 26,593,777.27 31912532.72 38295039.26
Operating expense 2,728,322.60 3,956,067.76 5,736,298.26 8,317,632.47 12,060,567.08 17,487,822.27
Tax 0.00 0.00 0.00 0.00 0.00
Total Cash Out flows 18,118,240.00 22,423,968.64 27,897,779.31 34,911,409.74 43,973,099.80 55,782,861.54
Net Cash flows 18,132,792.01 30,140,027.76 48,320,015.47 75,604,392.69 116,274,813.72 176,576,613.08
Ending Cash Balance 21,285,152.01 51,425,179.76 99,745,195.23 175,349,587.92 291,624,401.64 468,201,014.72

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 Appendix F
Betremuse
Profit & Lose
2024Malma Consulting
2025 & Trading
2026 1M PLC.
2027 2028 2029
Income
Fayida Tax Finance Consulting & Asset Valuation
76,217,794. 110,515,802.4 160,247,913.5 232,359,474.6
Sales 36,251,032.00 52,563,996.40
78 3 2 1
43,860,493. 63,597,715.5 133,714,196.8
Gross Margin 20,861,114.60 30,248,616.17 92,216,687.47
45 0 3
57.5
Gross Margin % 57.55 57.55
5 57.54626406 57.54626406 57.54626406
5,736,298. 8,317,632.4 17,487,822.2
Operating Expenses 2,728,322.60 3,956,067.76 12,060,567.08
26 7 7
Balance Sheet 2024 2025 2026 2027 2028 2029
Current Assets
13,504,452. 19,581,455.5 41,170,010.3
Debtors and Prepayments 6,423,045.00 9,313,415.25 28,393,110.57
11 6 2
4,737,988. 6,870,082.8 14,444,349.1
Cash on Hand and at Bank 2,253,502.10 3,267,578.05 9,961,620.12
17 4 7
18,242,440. 26,451,538.4 55,614,359.4
Total Current Assets 8,676,547.10 12,580,993.30 38,354,730.68
28 0 9
Long-term Assets
571,276.7 1,741,608.5
Fixed Assets 271,713.08 393,983.96 828,351.27 1,201,109.35
4 5
11,885,966. 17,234,651.4 36,235,854.7
Differed Asset 5,653,254.00 8,197,218.30 24,990,244.64
54 8 3
Ac.td Depreciation
12,457,243. 18,063,002.7 37,977,463.2
Total Long-term Assets 5,924,967.08 8,591,202.26 26,191,353.99
28 5 8
30,699,683. 44,514,541.1 93,591,822.7
Total Assets 14,601,514.18 21,172,195.55 64,546,084.67
55 5 7
Current Liabilities
Creditors and Accruals 1,669,560.00 2,420,862.00 3,510,249.90 5,089,862.36 7,380,300.41 10,701,435.60
13,305,623. 19,293,153.8 40,563,855.8
Profit Tax Payable 6,328,477.20 9,176,291.94 27,975,073.02
32 1 8

Total Current Liabilities 7,998,037.20 11,597,153.94 16,815,873.22 24,383,016.16 35,355,373.44 51,265,291.49

Long-term Liabilities
Total Liabilities 7,998,037.20 11,597,153.94 16,815,873.22 24,383,016.16 35,355,373.44 51,265,291.49
Capital
Paid-in Capital 250,000.00 362,500.00 525,625.00 762,156.25 1,105,126.56 1,602,433.52
13,358,185. 19,369,368.7 40,724,097.7
Retained Earning 6,353,476.97 9,212,541.61 28,085,584.67
34 4 7
Total Capital 6,603,476.97 9,575,041.61 13,883,810.34 20,131,524.99 29,190,711.23 42,326,531.29
Total Capital and Liabilities 14,601,514.18 21,172,195.55 30,699,683.55 44,514,541.15 64,546,084.67 93,591,822.77

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 Malma Consulting & Trading 1M PLC.
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