Money Plus

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.

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

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

• Financial advisory services
• Financial planning software
• Investment intermediation
• Insurance intermediation
• Consumer credit brokerage

Headquarters

HQ city

Mlada Boleslav

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. 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.
2. 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

Core 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

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Four partnerships are on record, tiered core and minor.

• Viktor Hostinský Investments, s.r.o.coreChannel Partner/ Reseller/ DistributorInvestment 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.coreChannel Partner/ Reseller/ DistributorInsurance agent under which Money Plus operates as subordinated insurance intermediary (Č. 123416PPZ). Major insurance intermediary in Czech Republic.
• Alcaton, s.r.o.minorChannel Partner/ Reseller/ DistributorInsurance agent under registration number 014425PA. One of several insurance intermediaries under which Money Plus operates.
• FitBrokers, s.r.o.coreChannel Partner/ Reseller/ DistributorIndependent 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

Emerging 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

• Facebookfacebook.com/pages/MoneyPlus/180488465317044?ref=ts

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Money Plus