Business and financial consultancy
- Žnjanska 10, HR-21000 Split
- +385 97 611 4192
Company profile
MM Beneficium is a company based in Split that provides consultancy services related to financing, managing business finances and business systems management.
Company founder Ivica Žuro has many years of experience in the financial sector. As director of the region for entrepreneurship and citizenship for Central Dalmatia in Splitska banka, he had the opportunity to monitor the development of legal entities from various branches on a daily basis through financing. Thanks to his rich managerial experience, his specialism is organizational improvements, savings on business costs, business continuity and prevention of operational risks.
Why use MM Beneficium services?
Financial management forms the basis for making all other business decisions. If it is quality carried out, it makes a difference in the overall success of the company and facilitates all other management. It enables better liquidity management and the reduction of financing costs and general expenses. Basically, you understand where your money goes and how you can achieve an even better business result and increase the company's value.
Good advice is worth its weight in gold if it is timely and professional. This is especially true when running a business, regardless of its complexity. By giving extra advice, in addition to financial consulting and that related to the management itself, as an added value from their side, you also have work on cost prevention, control and optimization of the processes themselves, and risk management that may occur in business.
This always holds true - prevention is better than cure.
MM Beneficium services
- Managing the company's finances
Financial management plays a key role in the company's overall success and represents an essential component of the organisation's general management. - Rent a CFO
Hiring a Chief Financial Officer (CFO) is more cost-effective than having a full-time employee. And the worst option is not to have any. - Funding through banks, EU funds, local government subsidies, and support agencies
In cooperation with commercial banks, they will help you find the optimal solution for financing your growth and development and accompany you throughout the entire process of obtaining a loan. They also help apply for grants from EU funds. - Business management and consultancyLong-term business expertise and management of large teams in financial institutions are the basis for successful management consulting. The goal is to use your capacities optimally by making adequate management decisions.
- Creation of investment studies, business studies and all other documents for the realization of a business venture
Every investment, especially one that contains external sources of financing, implies a description of the entrepreneurial venture and a business projection. Business plans and studies are requested from banks through other investors to the Employment Office when approving funds for (self)employment. - Enabling business continuity and risk preventionAll companies that provide daily services to hundreds and thousands of users know how business should be conducted smoothly and professionally. Even the slightest interruption of regular continuous work is unacceptable because both clients and income are lost. Therefore, you can help yourself by enabling business continuity.
- Restructuring of company liabilities and bankruptcy prevention
If you need help with liquidity and repayment of credit obligations and financing your current business, there is a solution that will enable you and your employees to continue operating the company and have a workplace.
Related trends
Individual loan insurance program
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EU support for green and digital transition in tourism
Who is it intended for, and who can apply for the first support program for the tourism sector? Find out what the goal of this grant is and whether grants of this type should be "better".
Nautical charter financing: specific answers to real questions
Find out what's new in loans for businesses with foreign owners and HBOR's program for financing islands investments. Among other things, find out in more detail what steps need to be taken to get a loan to start your own nautical charter.
AI tools and the future of jobs in yacht charter
It seems that artificial intelligence tools have become prevalent in all industries. One of the fears that has emerged is whether AI will completely replace us. Should nautical charter be afraid of what tomorrow brings? What about the demand in the yacht charter industry? What results are projected for the season?
Obstacles, transformation and what not to do in a nautical charter
What is the current state of the nautical charter in the Adriatic? It faces numerous challenges, including non-compliance with the rules at sea, problematic relations with marinas, and high costs of moorings. However, at the same time, there is great potential for improvement and development of the industry through solutions in the form of long-term investments.
Challenges and solutions for financing in the nautical sector
In his new article, Ivica Žuro gives us an insight into the financial challenges brought by the increase in interest rates in the nautical sector. Find out what are the potential strategies for adaptation as well as financing and lending options.
Važnost podrške turizmu tj. ne sijecimo granu na kojoj sjedimo
Turizam u Hrvatskoj cvjeta, ali je li sve tako sjajno kao što izgleda? Unatoč rastu, sezona je bila puna izazova, od medijskih prepreka do debata o privatnom smještaju. Zašto je baš ta vrsta smještaja postala središnja točka rasprave i kako to utječe na našu ekonomiju? Ivica Žuro donosi kako se Hrvatska nosi sa izazovima i koje korake treba poduzeti kako bi turizam i dalje ostao naša jača strana.
Supporting tourism, or let's not cut the branch we're sitting on
Tourism in Croatia is flourishing, but is everything as rosy as it seems? Despite the growth, the season was full of challenges, from media obstacles to debates about private accommodation. Why has this type of accommodation become the focal point of discussion, and how does it affect our economy? Ivica Žuro discusses how Croatia is coping with these challenges and what steps need to be taken to ensure tourism remains our strong suit.
Interest rates in October: No one has a crystal ball, but we have experience
October brings financial challenges, and interest rates are (as always) in the spotlight. Will it grow? Is a fixed interest rate a smart choice? Ivica Žuro uses experiences from the past, but also some guidelines for the future, to help us in our decision. And with the right tips, who knows - you might even make a profit.
Savings, gold or crypto - interesting times for investments
We live in challenging times. Interest rates are rising, and it seems that the economic crisis will never end. While the past has taught us the importance of planning and reserving resources, it looks like the tourism industry can profit from geopolitical tensions. Ivica Žuro reveals to us savings options and where to invest wisely.
Environmental, Social and Governance - the future of business and navigation
Do you know what ESG means and how it relates to modern business? ESG is not just another in a series of modern acronyms; it is a crucial concept that transforms business. Ivica Žuro writes about how ESG affects financing, sustainability, and even nautical charter and how your company can adapt to these changes before it's too late.
What will 2024 bring - are we looking at a bright future?
When we analyse the economic picture of Croatia after its growth in real GDP by around 2.3% in 2023, the question arises: What awaits us in 2024? Ivica Žuro provides a deeper insight into economic forecasts that define expected growth, slowing inflation, changes in the labour market, and the impact of monetary policy on interest rates.
Croatian tourism and global changes - are we up to the challenges?
And while 2024 promises to be a year of record achievements in tourism, it remains to be seen whether geopolitical changes will turn us into a tourist power. And while it is evident that our tourism is booming, we face the question - will Lijepa Naša maintain its appeal and adapt to new challenges? Ivica Žuro reveals to us whether we are treading a fine line but also where we should focus our attention when financing entrepreneurship.
"Wind of change" in the Croatian nautical charter, or?
Are we in for an exciting period for our nautical charter, as the first specialised tender for this sector has just been announced? As the industry faces challenges, the government has tried to respond with a package of subsidies. The goal? Encourage green and digital transformation. But are these measures sufficient, and can they make any real difference? Ivica Žuro brings us the details and reveals the potential benefits of this tender.
New financial incentives for investments and working capital are coming
The previous policy towards nautical tourism was, to put it mildly, restrictive, with a limited number of subsidies that were also low. However, HAMAG BICRO, after a considerable break, is introducing new financial programs. It seems there has been a significant change, or as Ivica Žuro says, "the cold heart of the stepmother has melted". Read on to find out what these programs actually offer and how you can take advantage of these competitive financial incentives.
New wave of subsidies - tips for investors in the pre-season
Ivica Žuro brings fresh news from Central Dalmatia - interest subsidies on investment loans are returning, encouraging entrepreneurial initiative. His new article brings us advice for smart investing, but also advice in the form of an old folk proverb: Never put all your eggs in one basket.
Methods for reducing profit tax without impacting earnings
Every entrepreneur aims to optimize their business and reduce costs, but one of the biggest challenges is reducing the profit tax base without affecting earnings. In his new article, Ivica Žuro unveils permissible methods to help you effectively reduce tax obligations and increase your business's profitability. Discover these easily applicable strategies, whether you are a small, medium, or even large entrepreneur.
Rules of financial success every entrepreneur must know
Financial stability and growth are essential for the long-term success of any company. But how do you ensure that your business decisions yield positive results? In this article, Ivica Žuro reveals the most important rules and principles to help you manage your business finances effectively and avoid common pitfalls.
Financial trends and economic growth in the EU
Reference interest rates in the EU are undergoing significant changes, opening doors to new opportunities for economic growth. Learn how Euribor influences financial trends and what financing options are available. Ivica Žuro provides insight into key economic factors and their application in his new article.
Why does Croatia persistently sabotage its own tourism?
This summer has brought more fiscal "surprises" and economic challenges than ever, and once again, Croatian media have waged their battle against tourism. In his latest article, Ivica Žuro discusses why congestion, taxes, and short-sighted decisions are under fire, how the global crisis and rising costs threaten the survival of the nautical charter industry, and what awaits us if we continue down the same path.
Tax reform – more discriminatory by age and location than it is solidary and just
The proposed tax reforms in Croatia are sparking intense reactions. While the government claims to strive for fairness, many citizens and experts read "between the lines" and see potential injustices. Will the promised increase in personal deductions truly make a difference, or is it just a drop in the sea of inflation? And what does the drop in interest rates mean for the average citizen? In his latest article, Ivica Žuro reveals what really awaits us behind this financial spectacle's scenes.
Sunny Croatia - will we finally use the full potential of solar energy?
Croatia has an exceptional potential for using solar energy as the main renewable source. Given the exceptional insolation and favourable geographical position, especially in Dalmatia and the Adriatic, solar energy can increase energy security and ensure financial savings. Despite this, there are numerous bureaucratic obstacles and challenges.
A year passes, but wishes remain - how to finance them?
Do you have an idea, but you’re missing a million or two (or maybe twenty)? Clearly, it’s time for new investments. Ivica Žuro brings us the most important information about current financial programs and loans for entrepreneurs in tourism and hospitality. From debt forgiveness to green initiatives – learn how to lay the foundation for success in the coming year.