Agencija_Zeljka_Strategy_EN

1.

ACCOUNTING
AGENCY ŽELJKA
Transformation & Growth Strategy
Kozarska Dubica • Republika Srpska • 2025–2026
Financial Analysis • Marketing Strategy • Growth Plan
CONFIDENTIAL

2.

TABLE OF CONTENTS
01
02
03
04
05
Current State
Where Željka stands today and what the problem is
Market Analysis
Kozarska Dubica — potential and competition
New Service Packages
Three packages with pricing
Financial Growth Model
Revenue projections 12 months and 3 years
Marketing Strategy
Positioning, segments, sales funnel
06
07
08
09
10
Facebook Content Plan
Concrete 90-day content calendar
Partner Network
Who sends clients and why
12-Month Action Plan
What to do each month
Risks
What can go wrong and how to prevent it
Conclusion & Next Steps
Three things to do this week

3.

01 | CURRENT STATE OF THE COMPANY
Location
KEY PROBLEMS
TC Mis, Svetosavska bb, Kozarska Dubica
x
Competes only on price — zero differentiation
x
No website, no Facebook page, no Google Maps listing
x
No tax planning — compliance only
x
No advisory (Cash Flow, business plans, grants)
x
Local only — growth capped by city size
x
Average ticket ~170 KM — far below market potential
Team
1–2 accountants
Clients
15–20 active clients
Revenue
~3,000 KM / month
Services
Bookkeeping, APIF reports, payroll, registration

4.

02 | MARKET ANALYSIS — KOZARSKA DUBICA
34,000
226
96
41
~100+
Residents
Private Companies
State Institutions
Joint-stock Companies
New Registrations
per Year
ACTIVE SECTORS
KEY OPPORTUNITIES
Agribusiness
Construction
Mlijekoprodukt, Unaplod, farmers
Small & medium contractors
Retail & Trade
Manufacturing
Wholesale and retail
Textile, wood, metal
v
Advisory market is practically empty — no competition
v
EU/UNDP grants available — nobody helps with applications
v
~100 new entrepreneurs/year = 100 warm leads
v
Prijedor & Gradiska nearby for online expansion
v
RS agricultural subsidy programs open year-round

5.

03 | NEW SERVICE PACKAGES
Entry Level
Most Popular
Maximum Growth
BASIC
STANDARD
PREMIUM
180 KM
320 KM
580 KM
/ month
/ month
/ month
v
Full bookkeeping
v
Everything in Basic
v
Everything in Standard
v
Annual APIF report
v
Monthly tax planning
v
Grant & subsidy support
v
Payroll up to 3 employees
v
Quarterly financial review
v
Cash flow forecasting
v
Quarterly tax filing
v
HR support (contracts)
v
Business plan for loans
ONE-TIME SERVICES: Business Plan 300-600 KM | Tax Consult at Registration 150-250 KM | Grant Guidance 300 KM + 5-8% of award

6.

04 | FINANCIAL GROWTH MODEL
NOW
Revenue Projection (KM/month)
30000
28 000
15-20 clients | Avg ticket ~170 KM
25000
20 000
20000
12 MONTHS
15000
~12,000 KM/mo
12 000
10000
5000
~3,000 KM/mo
40-50 clients | Avg ticket ~280 KM
7 500
5 000
3 000
3 YEARS
0
Now
Month 3
Month 6 Month 12
Year 2
Year 3
~28,000 KM/mo
70-80 clients | Avg ticket ~380 KM
GRANTS: 3-5 successful applications/year x avg commission 2,000 KM = +6,000-10,000 KM/year additional income

7.

05 | POSITIONING & TARGET SEGMENTS
"Zeljka is not just your accountant — she is your financial partner who helps you earn more and pay
less."
Priority #1
Priority #2
New Entrepreneurs
Existing SMEs
Pain: Don't know tax rules, afraid to make mistakes
Pain: Paying too much tax, accountant explains nothing
Message: Open your business stress-free — we handle everything
Message: When did your accountant last call to save you money?
Channel: Facebook, Google Maps, Notary/Lawyer
Channel: Facebook, word-of-mouth, direct outreach
Priority #3
Strategic
Agribusiness
Manufacturing & Trade
Pain: Don't know how to access grants and subsidies
Pain: Need business plan for bank credit, management accounting
Message: You could receive up to 50,000 KM from the government
Message: Financial reports that open doors to funding
Channel: FB farmer groups, Agricultural advisory service
Channel: RS Chamber of Commerce, local business events

8.

05 | SALES FUNNEL
01
SEES
Facebook post, Google Maps, friend referral, partner
02
INTERESTED
Visits Facebook page, reads posts, checks pricing
03
CONTACT
Sends Messenger message or calls. Response within 2 hours
04
FREE CONSULTATION
30 min — diagnose, not sell: 3 questions to reveal lost money
05
PURCHASED
Signed contract, package agreed
06 STAYED & REFERRED -> Quarterly client call | Annual financial review | 1 client = 3 referrals in a small town

9.

06 | FACEBOOK STRATEGY — 90 DAYS
Month 1 — TRUST
Month 2 — EXPERTISE
Month 3 — CONVERSION
Who we are — Zeljka's personal story
How we helped a client get 15,000 KM in subsidies
INVITE: Free webinar — Grants 2025
Do you know how much tax you actually pay?
3 ways to legally reduce your tax before year-end
We work online — clients from all of RS welcome
5 mistakes new entrepreneurs make in month one
What banks actually need for a business loan
Our Standard package — exactly what you get
Small vs Large entrepreneur — thousands of KM
difference
Annual report season — are you ready?
Partner post with local lawyer or notary
Client story: we saved them 200 KM/month
60-sec video: Zeljka explains VAT simply
Top 5 agribusiness grants in RS for 2025
What is APIF and why the Feb 28 deadline matters
Our clients say... (real testimonials)
December = time for year-end tax optimization
Opening a company? What to know on day one
LLC vs Sole Trader — which fits your situation?
Grants for small businesses in RS open in 2025
Q&A — ask us anything in the comments
Rule: 3 posts/week (Mon/Wed/Fri) | Always end with a question | Reply to comments within 2 hours

10.

05 | SALES SCRIPTS
FIRST CONTACT
EXPLAINING PACKAGES
"Thank you for reaching out. Tell me briefly — what does your business do and
what is your biggest financial challenge right now?"
"We have three ways to work together. Basic keeps your books. Standard adds
monthly tax planning. Premium adds grant support and cash flow. Most clients
choose Standard or Premium — savings pay for it."
Never open with pricing. Understand the problem first.
Don't push. Let the client choose.
SELLING PREMIUM WITHOUT PRESSURE
HANDLING TOO EXPENSIVE
"Are you aware there are two grants currently open for businesses like yours,
totalling up to 30,000 KM? We handle this for Premium clients. I can check if you
qualify."
"I understand. How much tax did you pay last year? In most cases our Standard
package pays for itself through savings in the first quarter. But we can start with
Basic."
The client asks for Premium themselves.
Never drop the price immediately. Show the ROI first.

11.

07 | PARTNER NETWORK
#1 Lawyer / Notary
#2 Banks — Loan Managers
Why: Register dozens of companies/year. Every new owner needs an accountant.
Why: Client applies for loan, bank requires financial statements.
Action: You recommend me, I recommend you — no money, just trust.
Action: Visit Nova banka, Unicredit, Addiko — introduce yourself personally.
Each client from lawyer = 1 free month for the lawyer
Manager recommends Zeljka, Zeljka prepares the financial docs
#3 Local Development Agency
#4 Agricultural Advisory Service RS
Why: Works directly with entrepreneurs, knows who is opening a business.
Why: Works with farmers on subsidies — financial documentation always needed.
Action: Register as partner. Offer to co-host free entrepreneur sessions.
Action: Contact the regional office and propose a partnership.
Direct access to 100+ new entrepreneurs per year
Entry into agri sector — highest grant commission potential

12.

08 | 12-MONTH ACTION PLAN
Month 1
Month 2-3
Month 4-5
FOUNDATION
FIRST REVENUE
VISIBILITY
Facebook page + Google Maps
3-5 clients on Standard/Premium
Free webinar: Grants 2025
Professional photo of Zeljka
Collect 5 Google Maps reviews
1st grant application for client
Package existing clients
Study 1 grant program
Website 3-5 pages (~400 KM)
Meet 1 lawyer + 1 notary
Visit bank loan manager
Start serving clients online remotely
Month 6
Month 7-9
Month 10-12
REVIEW
EXPANSION
CONSOLIDATION
How many new clients?
First clients from Prijedor/Gradiska
Year review — track 3 KPIs
What is the avg ticket?
2nd webinar: year-end tax planning
Raise prices +10-15% for new clients
Run FB ad 50-100 KM
Consider part-time assistant
Set targets for next year
Mention other cities in posts
2-3 grants completed
40+ active clients

13.

08 | BUDGET & KPIs
MARKETING BUDGET — YEAR 1
KEY PERFORMANCE INDICATORS
Tool
Cost
Note
Metric
Now
Mo. 6
Mo. 12
Facebook page
0 KM
Free
Revenue KM/mo
~3,000
~6,000
~12,000
Google Maps
0 KM
Free
Active clients
15-20
25-30
40-50
Professional photo
50-100 KM
Once
Avg ticket KM
~170
~220
~320
Website (Wix/WP)
200-400 KM
Freelancer
New leads/mo
1-2
5-7
10-15
FB advertising
50-100 KM/mo
From month 6
Premium clients
0
5
10-12
Webinar / event
0-50 KM
Hall or online
FB followers
0
300+
700+
TOTAL Year 1
~600-900 KM
< 1 Premium client
Grants closed
0
1
3-5
Marketing ROI: 700 KM invested -> 108,000 KM additional revenue in 12 months = ROI 15,300%

14.

09 | RISKS & SOLUTIONS
HIGH
Zeljka doesn't want to / can't sell advisory
Don't sell — diagnose. Once a month call each client: What is worrying you financially right now? The sale comes
naturally.
MEDIUM
Clients leave when switching to new
packages
Don't force-migrate current clients. Put new clients on new pricing immediately. In 6 months, existing clients see the
quality difference themselves.
REAL
Dubicotton closing shrinks the local market
Geographic expansion to Prijedor and Gradiska is urgent. Dependency on one city is dangerous — online clients remove
that constraint.
MEDIUM
Banja Luka competitor enters with cloud
solution
Local trust is unbreakable. A large agency from Banja Luka doesn't know the director of Unaplod by name. Zeljka does.

15.

ONE BIG MOVE
Become THE ONLY agency in the region
specialized in agribusiness grants
Why this?
Kozarska Dubica is an agricultural region. EU and RS grants for farming are open year-round. 80% of farmers do not apply because the
paperwork is complex.
What exactly?
Contact the RS Development Agency and UNDP BiH. Attend free advisor webinars. Become an accredited grant application helper.
The math:
1 successful grant for a client = 20,000 KM for the client. Commission 7% = 1,400 KM for Zeljka. That is the revenue of 3 Basic clients
for 1 deal.
The result:
Nobody in Kozarska Dubica does this. First-mover position in agricultural financial advisory = permanent competitive advantage.

16.

10 | CONCLUSION & NEXT STEPS
3 things to do
this week
1
Create a Facebook page and Google Maps profile
3 hours, this week, 0 KM
2
Call 3 existing clients and offer Standard/Premium package
1 hour of calls, this week
3
Contact 1 local lawyer for a referral partnership
15-minute conversation, this week
Nobody in Kozarska Dubica is doing this right now. Whoever moves first — wins.