Our services: from the initial idea to business development.
The X-Group offering combines business and financial planning, funding, financing, as well as consulting and coaching. Before engagement, we define which services you need and what they will cost.

Six service areas, explained in detail.
Funding and financing applications
We compile the required information and documents, prepare applications, and support you with queries until a decision is made and the agreed funds are allocated.
Learn more ↗Funding research
We review the funding purpose, location, business stage and costs. Based on this, we identify suitable programmes, responsible authorities and next steps.
Learn more ↗Financial Plan
We create or revise capital requirements, revenue and cost planning, profitability and liquidity. The figures must fit your business model.
Learn more ↗Business Plan and Pitch Deck
We explain your offering, target customers, competition, sales and implementation in a way that enables the recipient to understand your assumptions.
Learn more ↗Financing advice
We match your capital requirements with available equity and possible financing components, and prepare the enquiry for your financing partner.
Learn more ↗Conceptual consulting
Our consultants and coaches work with you on specific questions regarding your business model, management, sales, organisation and business development.
Learn more ↗Packages and funding options
AVGS Start-up Coaching
With appropriate written approval, no personal contribution is required for the covered measure. Scope and voucher are checked before commencement.
- Edit business plan and financial plan
- Prepare expert opinion
- Select suitable coaching modules
- Develop customer acquisition concept
Starter package
Sample package: €1,999 one-off without funding. We clarify the binding scope of services and price components in the individual offer.
- Business plan finalisation: 5 hours
- Financial plan finalisation: 5 hours
- Expert opinion/viability: 2 hours
- Funding concept: 2 hours
- Procurement of financing: 2 hours
BAFA Consultancy Funding
For eligible existing businesses. Amount and requirements depend on the applicable programme and your location.
- Financial and conceptual consulting
- Business development and succession consulting
- Marketing and sales concept
- Coordinate application and procedural steps
The starter package is a sample offer. Funding is reviewed by the responsible authority and is not guaranteed by the package description.
All 24 consulting modules
Module 1: Entrepreneur as a person
- Strengths, interests, professional focus, needs, potential handbook
- Self-organisation, goals, time, task and project management
- Entrepreneurial skills check
- Basic commercial principles
- Rhetoric, methodology, communication with staff
- Customer approach, sales conversation, questioning techniques
- Personal coaching, mentoring
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Module 2: Registration and admission requirements
- Overview of the area
- Dealing with offices and authorities
- Licences and registration requirements (IHK, HWK, associations)
- Tax office and tax registration
- Business registration, permits, central business register
- Occupational accident insurance associations and other obligations
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Module 3: Legal form and cooperations
- Choice of legal form – risk assessment, advantages and disadvantages, costs
- Corporations – rights and obligations
- Partnerships – rights and obligations
- Cooperation options – implications and consequences
- Unintended GbR, OHK, KG
- Participation models
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Module 4: Legal basics
- Copyright, intellectual property rights, trademark rights
- Contract law
- Legal basics for online presence
- HGB (German Commercial Code)
- BGB (German Civil Code)
- SGB II and III (German Social Code II and III)
- GmbH Act
- GDPR – data protection
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Module 5: Bookkeeping
- Organisation of bookkeeping, bookkeeping obligations (GoB)
- Cash book
- Depreciation
- AFA – low-value assets
- Invoice details (incoming and outgoing invoices)
- Vehicle use (logbook, 1% rule, leasing, kilometre allowance)
- Tax obligations
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Module 6: Taxes
- Types of tax according to legal form
- VAT, small business regulation
- Trade tax
- Income tax, capital gains tax
- Income surplus calculation, accounting, Elster
- Registration, tax registration questionnaire
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Module 7: Business Plan
- Current state analysis and evaluation of the business plan
- Define the purpose and target audience of the business plan
- Structure and organisation
- Contents of the business plan
- Structuring and further development of the business idea
- EKS evaluation and user optimisation
- Operational and strategic goal planning
- Timeline, process and milestones with deadlines
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Module 8: Financial Planning and Economic Analysis
- Initial investment (investment, working capital, start-up cost planning)
- Cost plan (fixed costs, variable costs, personnel costs)
- Sales and capacity plan
- Profitability plan (contribution margin I, II and III)
- Liquidity plan and working capital reserve
- Hourly rate or trade calculation
- General calculation and price calculation principles
- Financing plan
- EKS appendix
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Module 9: Funding and Financing
- Funding for entrepreneur’s salary
- Public investment and working capital funding (grants and loans)
- Application process, requirements and obligations
- Crowdfunding (landing, investment)
- Microloans (IBB, GLS)
- Hybrid forms of financing
- Financial planning
- Company valuations, rating and creditworthiness
- Equity, collateral and guarantees
- Loan application, bank meeting
- Bank loans and subsidised loans
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Module 10: Insurance and Protection
- Business liability insurance
- Business contents insurance
- Business legal expenses insurance
- Occupational accident insurance (Berufsgenossenschaft)
- Private health insurance
- Private KSK insurance
- Private pension insurance (statutory or private)
- Company pension scheme
- Private accident insurance
- Private occupational disability insurance
- Private property insurance
- Private unemployment insurance
- GDPR
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Module 11: Market and Sectors
- Classify the market and sector of the project
- Analyse target groups, demand and competition
- Justify market assumptions for business planning
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Module 12: Marketing and Market Analysis
- Strategic success positioning (SEP)
- Thematic positioning (pain points, passion)
- Target group positioning (avatar, persona)
- Methodical positioning
- Core competencies
- Product placement
- Marketing mix (advantages and disadvantages)
- Marketing planning in the start-up phase
- Marketing planning in the growth phase
- Marketing costs and budgeting
- Controlling
- Marketing fundamentals
- SEO – search engine optimisation
- SEM – search engine marketing
- Email marketing
- Display advertising
- Social media – digital media/social platforms
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Module 13: Sales and Selling
- Target group approach and instruments
- Sales strategies and options
- Target agreement and monitoring
- Sales arguments
- Sales conversation process
- Closing questions
- Sales support materials
- Key channels
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Module 14: E-Business
- Process automation
- Smart marketing methods
- SEM, SEO, SEO (Google Ads, Facebook Ads)
- Content marketing
- Success analyses (traffic, conversion, CPC, CPO)
- Customer acquisition, retention, and community building
- Couch commerce
- EDP and IT structures
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Module 15: Competition
- Competitor analysis (differentiation features)
- Identification of relevant competitors
- Strategic assessment of competitors
- Unique selling points
- Options for differentiation
- Possible reactions from competitors
- Cooperations and strategic alliances
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Module 16: Personnel and Organisation
- Personnel planning and organisational chart
- Forms of employment
- Personnel deployment, development, and requirements
- Cost considerations
- Freelancers / subcontractors
- Cooperations and networks
- Company number allocation and recruiting
- Team building
- Leadership (leadership styles, leadership rules)
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Module 17: Location
- Location search and analysis
- Requirements for the location
- Conversion and approval
- Location and customer proximity
- Environmental analysis
- Lease agreement and contract negotiations
- Rent comparison, rent index
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Module 18: Business Management
- Strategic planning with EKS
- Balanced scorecard
- Capacity expansion and growth
- Key figures and inventory optimisation
- Procurement and suppliers, external service providers
- Key personnel
- Key resources
- Process structuring
- Controlling
- Order processing and optimisation
- Strategic alliances
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Module 19: Office Organisation and Accounting
- Retention obligations
- Document filing and sorting
- Types of documents
- Workplace design, occupational safety
- Dunning and receivables management
- Electronic payment methods
- Cash discounts, rebates, and bonuses
- Filing and resubmission
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Module 20: Business Acquisition and Participation
- Finding businesses for acquisition/participation
- Determining company value
- Due diligence
- Understanding and interpreting company figures
- Negotiating purchase price and payment terms
- Acquisition planning, transfer of risk
- Legal and tax aspects
- Scheduling and integration into the business
- Financing options
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Module 21: Franchise
- Differences between large and small franchises
- Selection of suitable franchise concepts
- Advantages and disadvantages of franchise systems
- Franchise costs and evaluation
- Review and evaluation of the pilot project / existing franchisees
- Contact and negotiation with the franchisor
- Analysis of support processes and franchise manual
- Benefits of the franchise concept, support from the franchisor
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Module 22: Self-management
- Purpose, goals, values, motivation
- Identification of limiting beliefs
- Project management
- Task management
- Time management (sample week)
- Entrepreneurial roles (#0, #1, #2, #3, #4, #5)
- Idea management
- From idea to implementation
- Supportive environment (coaching, mentoring, brain trust, mastermind)
- Orientation support
- Work-life balance (life forest)
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Module 23: Conflict and Negotiation Techniques
- Non-violent communication
- De-escalating behaviour and communication
- Negotiation and mediation models
- Harvard Principle
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Module 24: Accounting, Receivables Management and Debt Collection
- Accounting
- Receivables management
- External billing service providers
- Factoring
- Debt collection
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Let’s clarify your next step.
Describe your project in the financing check or book a free initial consultation directly.

