A credible business plan is not a 5-page Word document. It's a structured file aligned with European credit committee norms (ECB/EBA, CRD VI), with Y1-Y3 financial projections, SWOT analysis, operational action plan and verifiable benchmark sources (INSEE, Eurostat). This guide details the exact structure, banking norms, sector specifics and compares available approaches to produce your business plan.
An EU banking-compliant business plan includes 8 mandatory sections across ~16 pages (creation) or ~19 pages (acquisition). Each section answers a specific question from a credit committee.
A punchy synthesis of the project, amount requested, expected ROI, team, target market. It's the first (and sometimes only) page read by the committee.
Background, key skills, complementarity of partners. Builds credibility on execution capacity — the No. 1 factor for banks according to the EBA.
Market size, segmentation, competition, positioning. Sources: INSEE, Eurostat, sector studies. No claims without a source.
Month-by-month milestones, deliverables, KPIs, organization, business processes. Demonstrates mastery of execution.
Acquisition channels, marketing budgets, detailed revenue forecasts by channel and by segment.
Income statement, balance sheet, cash-flow plan, working capital, breakeven point. 3 scenarios: pessimistic, realistic, optimistic. Editable Excel spreadsheets.
Amounts requested, personal contribution, loans requested, guarantees, disbursement schedule. Aligned with ECB/CRD VI expectations.
Supporting documents, supplier quotes, customer letters of intent, sources for market figures.
Our 31 sector templates integrate industry specifics: expected margin ratios, key indicators, reference financial ratios and prudential watchpoints unique to each sector.
Margins, average ticket, seasonality, payroll, cost-of-goods/revenue ratio. HACCP regulations, accessibility, terraces.
Quotes, subcontracting, mandatory ten-year guarantees and insurance, retention guarantee, payment schedules.
CAC, LTV, gross margin, conversion rate, logistics, Stripe/Stripe Tax fees, OSS VAT, returns.
Day rate, realistic production capacity, prospecting, self-employed taxation, personal vs corporate income tax beyond micro thresholds.
ARR, MRR, churn, CAC payback, Series A scenario, NRR, magic number, the Rule of 40, ARR-multiple valuations.
Average basket, customer loyalty, initial equipment, hiring apprentices, collective agreements, sector training funds.
Occupancy rate, regulated staffing (supervision ratios), accreditations, public childcare subsidies, public-access building standards.
Numerus clausus, healthcare agreements, regional health authorities, flat-rate remuneration, fee overruns, sector 1/2.
Since 2024 and the gradual application of CRD VI, European banks require a standardized format including: sourced market analysis, Y1-Y3 projections with 3 scenarios, detailed working capital, breakeven, solvency ratios and risk mitigation plan.
European framework since 2024 requiring banks to assess the prudential viability of files: solvency ratios, risk-mitigation plan, governance.
The EBA requires a documented SWOT analysis, projections over at least 3 years, scenario sensitivities and verifiable external sources.
European universal banks apply ECB standards even for SMEs: governance quality, financial traceability, detailed financing plan.
Analysts expect sector figures sourced from official bodies. BoostPro IA systematically cites sources in the PDF.
European banking norms (ECB/EBA, CRD VI) recommend between 15 and 25 structured pages. A 5-page BP is deemed incomplete; a 50-page BP drowns the analysis. Our generator produces 16 pages for a creation and 19 pages for an acquisition — an exact match with the expectations of French, German, Spanish, Italian and Dutch credit committees.
By hand with Word + Excel: 30 to 40 hours spread over 2 weeks, plus the time to research sector sources. With an accountant: 2 to 4 weeks and €1,500 to €4,000 in fees. With BoostPro IA: 10-15 minutes of questionnaire plus immediate generation of the PDF and Excel.
Yes, as long as the content complies with EU 2026 banking norms (ECB/EBA, CRD VI) and the sources are verifiable. The BoostPro IA business plan is generated by a deterministic engine (no LLM call at runtime — avoids hallucinations), with cited INSEE/Eurostat/Bpifrance sources and validated sector ratios. The banker sees no difference from a BP written by a consulting firm — it's often even more thorough.
The Pro offer includes the standard 16 pages (creation) or 19 pages (acquisition), 3 Y1-Y3 scenarios, SWOT analysis and operational plan. The Expert offer adds: detailed HR plan, European expansion strategy, in-depth scenarios (economic sensitivities), fundraising plan and investor pitch deck. For most projects, Pro is enough. Expert is recommended for projects requesting more than €250,000 in financing. Pricing adapted to your country — see Pricing.
The engine then generates a robust generalist business plan with the mandatory CRD VI sections. If your activity is marginal (for example: extreme sports, non-reimbursed alternative medicine), we recommend the Expert formula, which lets our AI fine-tune the benchmarks more precisely. Otherwise, contact us for a personalized audit before purchase.
Yes, the BP includes a structured market study (size, segmentation, competition, positioning) with INSEE and Eurostat sources. For a more in-depth market study (detailed competitive analysis competitor by competitor, SWOT competitor by competitor), we offer a dedicated Market Study module that can be combined into a Founder pack. Pricing adapted to your country — see Pricing.
In 10 to 15 minutes of questionnaire, our engine generates a structured business plan (16 pages creation / 19 pages acquisition) in PDF + editable Excel financial format, aligned with EU 2026 banking norms. Pricing adapted to your country — see Pricing. Automatic geo-pricing for the 4 EU country groups.
With BoostPro AI, you answer a guided questionnaire in 10 to 20 minutes. Our proprietary AI Nora analyzes your responses and generates a comprehensive professional business plan in PDF format, structured to professional standards. The document includes an executive summary, market analysis, financial forecast, and strategic recommendations.
The BoostPro AI business plan is offered as a Pro plan and an Expert plan (deeper analysis with extended financial projections), at prices incl. VAT adapted to your country of residence within the European Union (4 pricing groups) — the details are shown on the Pricing page. An editable Excel file with financial projections is included.
The creation business plan is designed for new entrepreneurial projects: it focuses on market research, positioning, and startup financial forecasts. The takeover business plan analyzes an existing company (SME or LBO): valuation, financial audit, acquisition financing plan, and post-takeover projections.
The questionnaire takes between 10 and 20 minutes depending on your project complexity. Once payment is completed, your PDF business plan is generated instantly by our AI. You can download it immediately from your personal Booster space. Up to 5 modifications are included after generation.
The PDF report is a finalized document. However, each business plan includes an editable Excel file with all financial formulas, allowing you to freely adjust projections. Additionally, 5 report modifications are included with your purchase. You can also start a new analysis at any time.
Our business plans are written structured to professional standards and include all required elements: executive summary, SWOT analysis, market study, 3-to-5-year financial forecast, and break-even point. The document serves as an excellent decision-support tool, accompanied by a legal disclaimer specifying it does not replace professional advice.
Yes, the generated report is formatted for bank presentation. A complete bank file assembly service will be available soon as an option.