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And Advisors
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Clarity in your numbers. Confidence in your decisions.

Practical CFO, financial reporting and business advisory solutions that help businesses understand performance, manage cash flow and make smarter growth decisions.

For SMEs, restaurant groups and founder-led businesses in Mumbai and across India. Led by a Chartered Accountant and CFA charterholder.

Monthly performance dashboard

Sample Trading Co., September 2026

Sample, illustrative data

Revenue

₹226.0 L

5.1% vs budget (favourable)

Gross margin

38.4%

1.6 pp below budget (unfavourable)

Operating expenses

₹54.1 L

3.0% over budget (unfavourable)

EBITDA

₹32.7 L

14.5% margin

Operating cash flow

₹21.9 L

67% of EBITDA

Debtor days

48

Target 45 (unfavourable)

Revenue vs budget, ₹ lakh

Monthly revenue against budget, April to September (illustrative)0125250Apr: actual 182, budget 190 (₹ lakh)AprMay: actual 196, budget 195 (₹ lakh)MayJun: actual 188, budget 200 (₹ lakh)JunJul: actual 205, budget 205 (₹ lakh)JulAug: actual 214, budget 210 (₹ lakh)AugSep: actual 226, budget 215 (₹ lakh)Sep
  • Actual
  • Budget

Budget vs actual, September

Budget versus actual for September (illustrative)
₹ lakhActualBudgetVar.
Revenue226.0215.0+11.0
Gross profit86.886.0+0.8
Opex54.152.5−1.6
EBITDA32.733.5−0.8
Illustrative figures for demonstration only. Not real client data.

The problems we solve

Most businesses that come to us are not short of data. They are short of a clear, reliable view of what it means.

Our services

Six ways we support finance teams and owners. Most clients combine two or three.

Virtual CFO services

Financial oversight, performance reviews, cash-flow planning, financial controls and strategic decision support.

Financial planning and analysis

Budgets, rolling forecasts, financial models, scenario analysis and business planning.

Business advisory

Profitability analysis, cost optimisation, unit economics, expansion evaluation and financial decision support.

Industry expertise

Finance looks different in every sector. We report on the measures that matter in yours.

Our focus sector

Restaurants and food service

Outlet-level profitability, food and beverage cost control, staff cost and cash visibility for single outlets and groups.

  • Monthly restaurant MIS with outlet-wise P&L
  • Food and beverage cost tracking against targets
  • Channel profitability for dine-in, takeaway and delivery
  • New-outlet feasibility and payback analysis
Restaurant advisory

Restaurant MIS package

Know which numbers are driving your restaurant's profitability.

Busy service does not always mean a healthy business. Each month you receive a structured report that shows how every outlet performed and where margin is being won or lost, including:

  • Sales trends
  • Food and beverage costs
  • Gross margin
  • Staff costs
  • Rent and occupancy costs
  • Other operating expenses
  • Store-level profitability
  • EBITDA
  • Cash flow
  • Budget versus actual
  • Outlet-wise comparisons, where applicable

Which metrics we can report depends on the data your POS, purchase and stock records capture. We confirm this during onboarding.

Restaurant performance dashboard

Sample Restaurant Group, 3 outlets, September 2026

Sample, illustrative data

Net sales

₹89.2 L

3.0% below budget (unfavourable)

Food and beverage cost

33.3%

Target 32.0% (unfavourable)

Staff cost

20.3%

Budget 19.0% (unfavourable)

Group EBITDA

₹10.8 L

12.1% margin

Net sales trend, ₹ lakh

Group net sales by month, April to September (illustrative)075150Apr: actual 78.4, budget 80 (₹ lakh)AprMay: actual 81.2, budget 82 (₹ lakh)MayJun: actual 84.6, budget 84 (₹ lakh)JunJul: actual 80.9, budget 86 (₹ lakh)JulAug: actual 86.3, budget 89 (₹ lakh)AugSep: actual 89.2, budget 92 (₹ lakh)Sep
  • Actual
  • Budget

Outlet EBITDA margin

  • Outlet A18.4%
  • Outlet B11.9%
  • Outlet C1.0%
  • EBITDA margin
  • Target 15%

Sales by channel

  • Dine-in 58%
  • Delivery 31%
  • Takeaway 11%
Illustrative figures for demonstration only. Not real client data.

What you receive

Deliverables
A monthly MIS pack with P&L summary, KPI dashboard, outlet comparison and written commentary.
Frequency
Monthly, within an agreed number of working days after complete data reaches us.
Data requirements
POS sales exports, purchase and stock records, payroll summary, bank statements and accounting data.
Review process
A scheduled review call to walk through the results and agree actions.
Client support
Email support between reports for questions on the numbers.

Why And Advisors

An outsourced finance partner that thinks like part of your management team.

Reporting built for decisions
Every report ends with what changed, why it changed and what to do next, not just a table of last month's numbers.
Commercial, not only technical
We look at pricing, mix, capacity and cost the way an owner does, and connect them to the financials.
Consistent every month
Agreed formats, fixed timelines and the same definitions each month, so trends are real and comparable.
Support that scales with you
Start with monthly reporting and add planning, cash management or CFO involvement as the business needs it.
Plain-language communication
We explain the numbers in terms the whole management team can act on.
Profit, cash and visibility
Our work keeps returning to three questions: are we making money, is it turning into cash, and can we see it clearly?

How we work

A clear sequence from first conversation to a reporting rhythm you can rely on.

  1. 1

    Discovery call

    Understand the business, how it runs today and the challenges you want solved.

  2. 2

    Financial diagnostic

    Review the data you already have, its quality and what the reporting needs to answer.

  3. 3

    Scope and proposal

    Agree deliverables, responsibilities, timelines and a fixed fee in writing.

  4. 4

    Implementation

    Set up report formats, data flows, a closing calendar and the review rhythm.

  5. 5

    Ongoing review

    Deliver the agreed reports, analyse performance and support decisions each month.

Sample deliverables

Examples of the reports and models we prepare. All figures are illustrative and do not relate to any real business.

Monthly MIS report: profit and loss summary

Sample Restaurant Group, September 2026

Sample, illustrative data
Restaurant group profit and loss summary for September (illustrative)
₹ lakhActual% salesBudgetVar.
Net sales89.2100.092.0−2.8
Food and beverage cost29.733.329.4−0.3
Gross profit59.566.762.6−3.1
Staff cost18.120.317.5−0.6
Rent and occupancy10.211.410.20.0
Other operating expenses20.422.920.2−0.2
EBITDA10.812.114.7−3.9

Outlet comparison, % of sales

Outlet cost ratios for September (illustrative)
OutletABC
Sales, ₹ L38.229.621.4
F&B cost31.233.836.5
Staff18.520.123.9
Rent9.811.214.6
EBITDA18.411.91.0

Commentary

  • Sales 3.0% below budget, mainly weekday dine-in at Outlet C.
  • F&B cost 1.3 pp above target. Dairy and produce prices rose at all outlets; Outlet C also shows higher wastage.
  • Outlet C is close to break-even. Recommend a review of staffing on weekdays and the delivery menu.
Illustrative figures for demonstration only. Not real client data.

Simple, scoped packages

Fees depend on the size and complexity of your business. Every engagement starts with a written proposal and a fixed fee for the agreed scope.

Essential reporting

Small businesses and single-outlet restaurants that need structured monthly performance reporting.

Request a proposal

What is included

Growth finance

Growing SMEs and multi-outlet businesses that need deeper financial analysis and planning.

Request a proposal

What is included

Virtual CFO

Businesses that need ongoing senior-level financial guidance and ownership of the finance function.

Request a proposal

What is included

Frequently asked questions

Something else? Email abhishek@andadvisors.in.

What does And Advisors do?

We provide outsourced finance support for growing businesses: virtual CFO services, monthly MIS and management reporting, budgeting and forecasting, financial models, accounting oversight and focused advisory projects. Our aim is to give owners a clear, regular view of performance and the analysis they need to make decisions.

What is a virtual CFO?

A virtual CFO is an experienced finance professional who performs the role of a chief financial officer on a part-time or retainer basis. You get senior oversight of reporting, planning, cash flow and controls without the cost of a full-time hire.

Is outsourced CFO support suitable for a small business?

Often, yes. Smaller businesses rarely need a CFO five days a week, but they still make decisions on pricing, hiring, borrowing and expansion that benefit from financial analysis. Our packages scale from monthly reporting to fuller CFO involvement, so you pay for the level of support you actually use.

What is included in a restaurant MIS package?

A monthly report covering sales trends, food and beverage cost, gross margin, staff cost, rent and occupancy, other operating expenses, outlet-level profitability, EBITDA and cash flow, with budget versus actual where a budget exists. Outlet-wise comparisons are included for groups. The exact metrics depend on the data your POS, purchase and accounting records can provide.

What data does a client need to provide?

Typically: sales reports from your POS or billing system, purchase and inventory records, payroll summaries, bank statements and access to, or exports from, your accounting software. During onboarding we confirm exactly what is needed and in what format, and point out any gaps that would limit the analysis.

Can you support multiple outlets?

Yes. For multi-outlet businesses we report each outlet separately and compare them on a like-for-like basis, as long as revenue and costs can be identified by outlet in your records. Where shared costs exist, we agree an allocation method with you.

How frequently are reports delivered?

Most clients receive a monthly report within an agreed number of working days after receiving complete data for the month. Weekly flash reports and fortnightly reviews can be added where the business needs them.

Can services be customised?

Yes. Our packages are starting points. We agree the report formats, metrics, review frequency and responsibilities with you before work begins, and record them in the engagement letter.

Do you provide GST and income-tax services?

We coordinate compliance and prepare the financial data that GST, TDS and income-tax work depends on. Filings, tax opinions and representation before authorities are handled by professionals who are legally eligible to provide them, either your existing chartered accountant or professionals we work with. We confirm the arrangement in writing before starting.

How is pricing determined?

Fees depend on the size of the business, transaction volume, number of outlets or entities, reporting complexity, the systems you use, how often we review with you and the overall scope. After an initial conversation we send a written proposal with a fixed monthly fee or project fee.

How do we get started?

Book a consultation or send an enquiry. We start with a short discovery call, review a sample of your data, then send a proposal. Once agreed, onboarding usually takes two to four weeks before the first full monthly report.

Make better decisions with better financial visibility.

Let's understand your business requirements and identify the right level of finance and advisory support.