tf financial services
TF Financial Services GmbH is a Swiss solo practice founded by Tilo Frenzel delivering outsourced CFO, fiduciary, accounting, payroll, and board mandate services to Swiss SMEs (CHF 2–50M revenue) and post-funding startups, using cloud accounting platforms and partner networks for capacity.
- Company typePrivate
- Founded2023
- HeadquartersBinz (ZH), Switzerland
- Headcount1–10
- GTM typeB2B
- OfferingServices
What tf financial services does
TF Financial Services GmbH is a privately-held Swiss professional services firm founded by Tilo Frenzel in 2023 and headquartered in Binz (ZH), Switzerland. The firm operates as a solo practice delivering outsourced financial leadership, fiduciary, accounting, tax, payroll, audit support, and business consulting to Swiss small and medium-sized enterprises with annual revenue between approximately CHF 2 million and CHF 50 million, as well as startups that have completed their first financing round. Service delivery is organized around three integrated offerings — CFO as a Service at 1–4 days per month, ongoing Treuhand (bookkeeping, payroll, VAT, annual statements per the Swiss Code of Obligations), and Verwaltungsrat (board of directors) mandates plus fixed-term consulting projects — initiated through a free, non-binding initial consultation and typically formalized via a 90-day plan followed by monthly flat-fee retainers.
The firm employs a technology-agnostic, partner-augmented operating model. It integrates with multiple cloud accounting platforms (Bexio, Odoo, Zoho, Microsoft Dynamics, Run my Accounts) and outsources payroll processing to Infoniqa's dedicated team, allowing the founder to maintain a single accountable relationship with each client while accessing specialized capacity on demand. Notable operational components include a rolling 13-week liquidity forecasting tool with scenario-based contingency triggers, automated bank statement posting, and AI-powered analytics integrated into financial management workflows. A free 13-week liquidity Excel template is published as a lead-generation asset, and a content marketing program (blog articles dated November 2025 through August 2026) covers liquidity management, AI adoption, and risk topics relevant to Swiss SMEs.
The business model is predominantly recurring, with monthly subscription retainers for CFO as a Service and fiduciary work, supplemented by annual board fees and project-based consulting. CFO as a Service is priced at CHF 25,000–60,000 per year — roughly 10–20% of the cost of a full-time Swiss CFO estimated at CHF 250,000–300,000. Distribution is direct-sales, content-driven, and delivered digitally throughout Switzerland, with in-person meetings reserved for board sessions, bank meetings, and mandate kickoffs; operations are conducted in German and English. The firm has no external funding, no parent company, and is owned and operated by the founder.
tf financial services firmographics
Firmographics- Name
- tf financial services
- Legal name
- TF Financial Services GmbH
- Website
- https://tf-fs.com
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- TF Financial Services GmbH is a Swiss solo practice founded by Tilo Frenzel delivering outsourced CFO, fiduciary, accounting, payroll, and board mandate services to Swiss SMEs (CHF 2–50M revenue) and post-funding startups, using cloud accounting platforms and partner networks for capacity.
- Ownership category
- akta.pro rank
tf financial services industry classification
Industry- Product category
- Financial Advisory Services
- NAICS
- Trusts, Estates, and Agency Accounts (525920)
- SIC
- Services-Management Consulting Services (8742)
- akta.pro primary industry
- Outsourced Finance & CFO Services (BPAHABAE)
- akta.pro secondary industry
- Trust Administration & Fiduciary Accounting Services (FSAAANAF)
Keywords
Where tf financial services is headquartered
LocationHeadquarters
- HQ city
- Binz (ZH)
- HQ country
- Switzerland
- HQ region
- Europe
Offices1 record
Markets served
tf financial services business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Supply Chain
Revenue model
- CFO as a Service (Monthly Retainer): Ongoing financial management retainer structured as a monthly flat fee covering 1-4 days per month. Clients pay only for the days they use. No recruitment risk, no notice period, no months-long search. This is the primary recurring revenue stream.
- Fiduciary and Accounting Services: Ongoing bookkeeping, payroll, VAT, and financial statement preparation. Pricing depends on document volume, payroll structure, and in-house preparatory work. Reliable estimate provided after reviewing past twelve months.
- Consulting Projects: Time-limited mandates with clearly defined tasks, specific outcomes, and end dates. For manageable scope, a flat fee applies; otherwise billing based on actual effort with an agreed cap. Can serve as entry point for ongoing engagement.
- Board of Directors Mandate: Independent board membership or advisory board role. Fee based on meeting frequency, company size, and scope of responsibility. Annual flat fee customary for SMEs, with possible surcharge for extraordinary work such as transactions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | CFO as a Service: 1-4 days per month |
| Other | Monthly | Fiduciary Services (quote-based) |
| Subscription | Annual | Board of Directors Mandate (annual flat fee) |
| Freemium | Pay-as-you-go | Initial Consultation |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels5 records
tf financial services product offering
Product offeringCore offering
TF Financial Services provides outsourced CFO leadership, fiduciary/accounting services, and independent board/advisory mandates for Swiss SMEs (approximately CHF 2-50 million revenue) and post-funding startups. Services include ongoing financial planning, rolling 13-week liquidity forecasting, bookkeeping, payroll, VAT, Swiss Code of Obligations annual statements, audit preparation, and board-level governance. Delivered primarily digitally across Switzerland, with a multi-platform accounting approach spanning Bexio, Odoo, Zoho, Microsoft Dynamics, and Run my Accounts.
Product overview
TF Financial Services is a financial management firm offering three integrated service lines for Swiss SMEs and startups: Fiduciary Services and Accounting (Treuhand und Buchhaltung) for ongoing bookkeeping, payroll, VAT, and financial statements; CFO as a Service for strategic financial leadership including planning, liquidity management, and investor relations; and Board of Directors and Consulting for independent governance and advisory mandates. The firm operates on a multi-platform accounting approach using Bexio, Odoo, Zoho, Microsoft Dynamics, and Run my Accounts for accounting, with Infoniqa for payroll. A free 13-week liquidity template is offered as a lead magnet. The services are designed to complement each other: the fiduciary handles historical recording while CFO as a Service uses those figures to steer the company forward.
Differentiator
Problem solved
Functional benefit
Products and services
- CFO as a Service Ongoing financial management retainer providing planning, liquidity management, reporting, and bank/investor meeting preparation. Delivered 1-4 days per month at CHF 25,000-60,000 per year for Swiss SMEs with revenue between approximately CHF 2-50 million.
- Treuhand und Buchhaltung (Fiduciary Services and Accounting) Ongoing bookkeeping, payroll, sales tax (VAT), and annual financial statements per Swiss Code of Obligations, including audit preparation. Pricing depends on document volume, payroll structure, and in-house preparatory work.
- Verwaltungsrat und Beratung (Board of Directors and Consulting) Independent board of directors membership or advisory board mandates, plus fixed-term consulting projects covering strategy, risk management, project management, transactions, and succession planning. Also acts as sparring partner for executives and owners.
- 13-Wochen-Liquiditätssicht (13-Week Liquidity Template) Free Excel-based 13-week liquidity planning template with traffic-light visualization of cash runway in weeks, accompanied by a guide covering common planning errors. Marketed as a standalone resource for SME owners.
Quantifiable outcome
- Cost reduction of 80-90% compared to full-time CFO
- +1 more outcomes
Companies that use tf financial services
Customer profileSegments2 records
Ideal customer profiles2 records
tf financial services technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability5 records
Feature4 records
tf financial services partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- Run my AccountscoreDigital bookkeeping partner providing specialized accounting services processing. TF Financial Services integrates with Run my Accounts for automated bookkeeping while maintaining centralized financial leadership. Supports multiple accounting platforms including Bexio, Odoo, Zoho, Microsoft Dynamics.
- InfoniqacorePayroll services partner with dedicated in-house payroll team. Handles wages, social security, withholding tax, and annual reports with deadline monitoring. TF Financial Services uses Infoniqa for payroll processing while maintaining single-point client accountability.
- Partner Network for Specialized ExpertiseminorNetwork of partners for technical questions including taxes, legal matters, and industry-specific issues. Accessed as needed for specialized expertise not covered by core services.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
tf financial services competitors and assessment
Company assessmentBroad incumbents
- BDO Switzerland: Large Swiss accounting and advisory firm offering audit, tax, fiduciary, and outsourced CFO services to SMEs. Comparable because it serves the same Swiss SME target segment with similar fiduciary and financial advisory offerings, though at much larger scale with a multi-partner bench rather than solo practitioner model.
- KPMG Switzerland: Big-4 advisory firm offering audit, tax, and outsourced CFO/advisory services across Switzerland. Comparable because it serves mid-market Swiss companies with financial leadership and reporting mandates, though as part of a much broader portfolio rather than as a focused SME fractional CFO specialist.
- EY Switzerland: Big-4 advisory firm offering audit, tax, transaction, and outsourced finance services in Switzerland. Comparable as a broad incumbent serving Swiss mid-market companies with financial leadership and reporting mandates, though at much larger scale and breadth than TF Financial Services.
- Baker Tilly Switzerland: Mid-tier Swiss accounting and advisory firm offering audit, tax, and outsourced financial management to SMEs. Comparable because it serves Swiss SMEs with fiduciary, accounting, and advisory services, overlapping with TF Financial Services' three core service lines though at larger firm scale.
Direct peers
- Run my Accounts: Swiss digital bookkeeping and accounting services provider serving SMEs. Comparable because it operates in the same Swiss SME fiduciary and accounting space; TF Financial Services is both a partner (uses Run my Accounts for bookkeeping capacity) and a competitor for end-client financial leadership mandates.
- Pilot.com: US-based outsourced accounting, tax, and CFO services firm targeting startups and small businesses with a subscription model. Comparable because it pioneered the outsourced fractional CFO + bookkeeping bundle for SMEs using recurring monthly pricing; TF Financial Services follows a structurally analogous model for Swiss SMEs.
- Bench.co: Outsourced bookkeeping and financial reporting service for small businesses with subscription pricing. Comparable because it offers ongoing accounting and financial visibility to SMEs as a recurring service, overlapping with TF Financial Services' fiduciary and ongoing reporting offerings.
- CFO Partners: Swiss fractional/interim CFO services firm providing experienced CFOs to SMEs on a part-time or project basis. Comparable because it offers the same outsourced CFO as a Service model for Swiss SMEs that cannot afford a full-time executive, directly competing for the same target customer profile.
Emerging players
- Accounto: Swiss startup offering digital outsourced accounting and bookkeeping services to SMEs via software plus accountant model. Comparable because it targets the same Swiss SME segment with technology-enabled outsourced accounting and recurring pricing, partially overlapping with TF Financial Services' fiduciary offering.
Others
- Bexio: Leading Swiss cloud accounting SaaS platform targeted at SMEs and small businesses. Comparable as the underlying technology ecosystem that TF Financial Services integrates with; Bexio is a tool layer rather than direct service competitor, but its partner accountant network overlaps with TF Financial Services' target market.
Market position
Strengths1 record
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
tf financial services social profiles
Digital presencetf financial services financial estimates
Financial estimateRevenue estimate
Valuation estimate
tf financial services leadership team
Management profileNumber of profiles
Profiles1 record
tf financial services funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
tf financial services 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 tf financial services
What does tf financial services do?
TF Financial Services provides outsourced CFO leadership, fiduciary/accounting services, and independent board/advisory mandates for Swiss SMEs (approximately CHF 2-50 million revenue) and post-funding startups. Services include ongoing financial planning, rolling 13-week liquidity forecasting, bookkeeping, payroll, VAT, Swiss Code of Obligations annual statements, audit preparation, and board-level governance. Delivered primarily digitally across Switzerland, with a multi-platform accounting approach spanning Bexio, Odoo, Zoho, Microsoft Dynamics, and Run my Accounts.
Is tf financial services a public or private company?
tf financial services is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was tf financial services founded?
tf financial services was founded in 2023. It employs 1 to 10 people.
Where is tf financial services based?
tf financial services is headquartered in Binz (ZH), Switzerland, in the Europe region.
How does tf financial services make money?
Four revenue lines are on record. CFO as a Service (Monthly Retainer) is the primary driver. The others are fiduciary and Accounting Services, consulting Projects and board of Directors Mandate.
Who are tf financial services's main competitors?
Broad incumbents on record are BDO Switzerland, KPMG Switzerland, EY Switzerland and Baker Tilly Switzerland. Direct peers are Run my Accounts, Pilot.com, Bench.co and CFO Partners. Accounto is listed as an emerging player. Bexio is listed as an others.
Does tf financial services have an API?
No public API is recorded for tf financial services.
What industry is tf financial services in?
tf financial services's product category is Financial Advisory Services. Its primary akta.pro industry code is BPAHABAE, Outsourced Finance & CFO Services, with a secondary code of FSAAANAF, Trust Administration & Fiduciary Accounting Services. Its NAICS code is 525920 and its SIC code is 8742.