Money Plus
Money Plus, s.r.o. is a Czech private financial advisory firm in Mladá Boleslav that provides long-term financial coaching, cashflow-based planning, and intermediation of investment, insurance, and consumer credit products to Czech individuals and families seeking financial independence.
- Company typePrivate
- Founded2010
- HeadquartersMlada Boleslav, Czechia
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Money Plus does
Money Plus, s. r. o. is a private, founder-owned Czech financial advisory firm headquartered in Mladá Boleslav, founded on 23 August 2010 by Radek Šitera and Pavel Bouška. The company serves Czech individuals and families seeking financial independence, offering long-term financial coaching that covers cashflow analysis, retirement planning, insurance, investments, and debt management. The firm operates as a tied agent and subordinated intermediary registered with the Czech National Bank (ČNB), distributing investment products under Viktor Hostinský Investments, insurance products under Broker Trust (with VHI and Alcaton), and consumer credit under FitBrokers.
The firm's core technology is "Moneyplan," proprietary financial planning software developed in-house in early 2012. The software ingests a client's current and planned cashflow and computes required insurance and protection coverage against unexpected events, then outputs a personalized financial roadmap aligned to stated life goals. Moneyplan is used internally by the firm's financial trainers as the analytical backbone of client engagements rather than being licensed as a standalone SaaS product.
Money Plus earns revenue primarily through commission income on intermediated investment, insurance, and consumer credit products (paid by partner financial institutions), supplemented by fees from ongoing financial coaching engagements. Its go-to-market is sales-led and primarily referral-driven, with four named financial trainers (both co-founders plus Vratislav Míchal and Pavel Tvaroh) delivering face-to-face advisory services. Marketing also uses educational blog content on financial topics as a top-of-funnel channel. The firm has no public app, no API, and operates exclusively within the Czech Republic; competition is concentrated against larger tied-agent networks such as Partners, OVB, Fincentrum, and Broker Consulting.
Money Plus firmographics
Firmographics- Name
- Money Plus
- Legal name
- Money Plus, s. r. o.
- Website
- https://moneyplus.cz
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Money Plus, s.r.o. is a Czech private financial advisory firm in Mladá Boleslav that provides long-term financial coaching, cashflow-based planning, and intermediation of investment, insurance, and consumer credit products to Czech individuals and families seeking financial independence.
- Ownership category
- akta.pro rank
Money Plus industry classification
Industry- Product category
- Financial Advisory Services
- NAICS
- Finance and Insurance (52), Activities Related to Credit Intermediation (5223)
- SIC
- Finance Services (6199), Personal Credit Institutions (6141)
- akta.pro primary industry
- Budgeting & Cash-Flow Management (FSAGADAA)
- akta.pro secondary industry
- Expense Tracking & Financial Dashboards (FSAGADAB)
Keywords
Where Money Plus is headquartered
LocationHeadquarters
- HQ city
- Mlada Boleslav
- HQ country
- Czechia
- HQ region
- Europe
Offices1 record
Markets served
Money Plus business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Commission from financial products: Money Plus acts as a tied agent and subordinated intermediary, earning commissions from facilitating investment, insurance, and consumer credit products. Revenue comes from product distribution fees paid by partner financial institutions.
- Financial advisory fees: Fees from providing financial coaching and planning services to clients, including long-term financial coaching relationships.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels2 records
Money Plus product offering
Product offeringCore offering
Money Plus is a Czech financial advisory firm that delivers personalized financial planning and long-term coaching services to individual clients, helping them achieve financial independence, secure retirement, and manage cashflow, insurance, investments, and consumer credit. The firm uses its proprietary Moneyplan software to analyze client cashflow and calculate protection needs, and operates as a tied agent/intermediary for investment, insurance, and consumer credit products in partnership with Czech financial institutions.
Product overview
Money Plus is a financial advisory company offering two integrated services: proprietary financial planning software called Moneyplan, developed in-house in 2012, which calculates client cashflow, insurance needs, and future protection requirements; and financial coaching services where trained advisors serve as long-term personal financial partners to clients. These two offerings are interconnected — Moneyplan is the analytical tool used by financial coaches to generate and present individualized financial plans.
Differentiator
Problem solved
Functional benefit
Products and services
- Moneyplan Financial Planning Software
- Financial Coaching and Advisory Services
Quantifiable outcome
- Best Planner 2013 - 3rd place (Pavel Bouška), 5th place (Pavel Tvaroh), 6th place (Radek Uchytil) in national competition with 69 contestants
Companies that use Money Plus
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles1 record
Money Plus technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Money Plus partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- Viktor Hostinský Investments, s.r.o.coreInvestment intermediary under which Money Plus operates as tied agent for investment products. Registered with ČNB under IČ: 28435095. Money Plus is registered as tied investment agent under this intermediary.
- Broker Trust, a.s.coreInsurance agent under which Money Plus operates as subordinated insurance intermediary (Č. 123416PPZ). Major insurance intermediary in Czech Republic.
- Alcaton, s.r.o.minorInsurance agent under registration number 014425PA. One of several insurance intermediaries under which Money Plus operates.
- FitBrokers, s.r.o.coreIndependent consumer credit intermediary (IČ: 24250571) under which Money Plus operates as tied agent for consumer loans. Regulated by ČNB.
Scale indicators4 records
Recent moves7 records
Expansion highlights4 records
Money Plus competitors and assessment
Company assessmentEmerging players
- Air Bank: Czech digital bank offering consumer credit, savings, and basic financial planning tools directly to consumers — adjacent rather than directly competing, but represents the digital-native challenger that could compress demand for in-person advisory services like Money Plus.
Regional players
- Broker Trust, a.s. Major Czech insurance intermediary under which Money Plus is registered as a subordinated intermediary — comparable insurance distribution model and a structural partner rather than direct competitor, but operates in the same regulatory and channel ecosystem.
- ZFP Akademie: Czech financial advisory network intermediating investments, insurance, and credit through tied agents — comparable product mix and regulatory status, though active primarily in adjacent Czech regions.
Direct peers
- Partners Financial Services: Czech financial advisory network offering financial planning, investment intermediation, and insurance products through a tied-agent model — directly comparable to Money Plus and explicitly named as a competitor in the Best Planner 2013 competition.
- Broker Consulting: Czech financial consultancy providing investment, insurance, and credit intermediation through a network of advisors — overlaps with Money Plus across product lines and competition in the Best Planner 2013 competition.
- Swiss Life Select ČR: Branch of the Swiss Life network operating financial advisory and tied-agent intermediation of insurance, investment, and credit products in the Czech Republic — comparable advisory model with similar ČNB-registered intermediary structure.
- Fincentrum & Sanderson: Czech financial advisory and wealth management firm intermediating investment, insurance, and credit products — directly comparable distribution model and explicitly listed as a competitor in the Best Planner 2013 contest.
- OVB Allfinanz ČR: Czech subsidiary of OVB Holding AG providing multi-product financial advisory (insurance, investments, credit) via tied agents — comparable business model, multi-product distribution, and competing head-to-head in Czech advisory market with Money Plus.
Broad incumbents
- Allianz Pojišťovna: Major Czech insurer offering life and non-life products directly and through tied-agent networks — comparable as the underlying product carrier whose policies Money Plus intermediates via Broker Trust and other partners.
- Generali Česká pojišťovna: One of the largest Czech insurance companies and a major institutional counterparty in the intermediation chain — comparable because Money Plus distributes life and non-life insurance products ultimately issued by players like Generali.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights5 records
Customer concentration
Money Plus social profiles
Digital presenceMoney Plus financial estimates
Financial estimateRevenue estimate
Valuation estimate
Money Plus leadership team
Management profileNumber of profiles
Profiles4 records
Money Plus funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Money Plus M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Money Plus
What does Money Plus do?
Money Plus is a Czech financial advisory firm that delivers personalized financial planning and long-term coaching services to individual clients, helping them achieve financial independence, secure retirement, and manage cashflow, insurance, investments, and consumer credit. The firm uses its proprietary Moneyplan software to analyze client cashflow and calculate protection needs, and operates as a tied agent/intermediary for investment, insurance, and consumer credit products in partnership with Czech financial institutions.
Is Money Plus a public or private company?
Money Plus is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Money Plus founded?
Money Plus was founded in 2010. It employs 11 to 50 people.
Where is Money Plus based?
Money Plus is headquartered in Mlada Boleslav, Czechia, in the Europe region.
How does Money Plus make money?
Two revenue lines are on record. Commission from financial products are the primary driver. The others are financial advisory fees.
Who are Money Plus's main competitors?
Air Bank is listed as an emerging player. Regional players are Broker Trust, a.s. and ZFP Akademie. Direct peers are Partners Financial Services, Broker Consulting, Swiss Life Select ČR, Fincentrum & Sanderson and OVB Allfinanz ČR. Broad incumbents are Allianz Pojišťovna and Generali Česká pojišťovna.
Does Money Plus have an API?
No public API is recorded for Money Plus.
What industry is Money Plus in?
Money Plus's product category is Financial Advisory Services. Its primary akta.pro industry code is FSAGADAA, Budgeting & Cash-Flow Management, with a secondary code of FSAGADAB, Expense Tracking & Financial Dashboards. Its NAICS code is 52 and its SIC code is 6199.