Investor & Bank Presentation— Project Brief 2026

PBA Digital
Platform.

The next generation accounting and business management ecosystem — designed to transform client experience, automate operations and support future franchise expansion.

portal.pba.top
v2.0 preview
Overview
Good morning, María
Q4 · 2026
Revenue
€184.2K
+12.4%
Invoices
2,318
+8.1%
Clients
487
+24
Monthly cashflow
AI forecast
Who We Are

An established Spanish firm building its own digital backbone.

Professional Business Advisory (PBA) is an established accounting and business services company operating in Spain — covering accounting, tax services, payroll, business consulting and company management.

Live
480+
Active Clients
SMBs & freelancers
Live
4 languages
Multilingual Support
ES · EN · RU · UA
Live
12+
Digital Services
End-to-end coverage
Live
Full-stack
Business Solutions
Accounting → consulting
Current Infrastructure

A working — but
  Fragmented — ecosystem

Today, PBA operates a stack of independent tools. They work, but they don't talk to each other.

Current architecture
Client
PBA Service Layer
Current Website
Current Portal
Exact Online
Email
WhatsApp
Knowledge Base
Multiple operational systems → To be unified by the PBA Digital Platform

The existing public-facing website for PBA — pba.top — showing current branding and service overview.

Current client login area where customers access their case status, documents, and service history.

The accounting and bookkeeping software used for ledgers, tax filings, and financial reporting.

The existing client database is fragmented and lacks a unified system for managing all customer data and interactions.

Live website
pba.top
Visit
Current Challenges

From fragmented operations to a single ecosystem.

A side-by-side picture of where PBA operates today and where the platform takes it.

Current state
Multiple disconnected systems
Fragmented client communication
Manual operational workflows
Limited process automation
Difficult to scale operations
Franchise model limitations
Future state
Unified operational ecosystem
Centralized CRM and history
End-to-end workflow automation
AI assistance across operations
Superior customer experience
Franchise-ready architecture
Why This Project Exists

The goal is not to build accounting software.

PBA already serves hundreds of clients across multiple tools. The opportunity is to unify those operations into a single, owned ecosystem — and turn the firm itself into a scalable product.

Better client experience
One front door for every interaction.
Faster communication
Messages, documents and tasks in one stream.
Higher efficiency
Manual work replaced by automation.
Better scalability
Process volume without linear headcount.
Future franchise model
Replicable operations for new locations.
Platform Vision

Seven modules. One ecosystem.

Each module is designed to consolidate a class of operations that today lives in separate tools. Together they form the operational backbone of PBA — and any future franchise.

Self-service & transparency
Client Portal

Income, expenses, deadlines and documents in one secure space.

DashboardDocumentsDeadlinesPayments
Centralized client memory
CRM System

Profiles, workflows and history shared across every team.

ProfilesPipelineHistoryTasks
Compliance ready
Document Management

Versioned vault for every contract and filing.

VersioningE-signAudit logSecure vault
One inbox per client
Communication Hub

Messages from web, mobile and WhatsApp unified.

WhatsAppEmailChatNotifications
Operational leverage
AI Assistant

Triage, summaries and tax suggestions across the platform.

TriageSummariesTax insightsAutomation
Operational consistency
Knowledge Base

Procedures encoded so the firm scales without dilution.

SOPsTemplatesTrainingSearch
Multi-location oversight
Franchise Dashboard

KPIs and compliance for every future franchise.

KPIsComplianceLocationsReporting
Section 07 · Client Portal Preview

What clients see, every day.

A premium financial cockpit modeled on the clarity of leading fintech dashboards — every metric, document and AI insight in a single command center.

portal.pba.app / dashboard
Dashboard
Welcome back, María — here's how Acme Studios is doing today.
MS
Monthly income
€184,250
12.4%
Expenses
€64,320
3.1%
Estimated taxes
€28,640
5.8%
Cash position
€412,580
8.9%
Cash flow
1M3M6M1Y
JunJulAugSepOctNovDecJanFebMarAprMay
Inflow
€184k
Outflow
€64k
Net
€120k
AI insights
Expense anomaly detected
Office supplies spending is 38% above your 6-month average. Three transactions flagged.
Estimated quarterly tax
Based on current trends, your Q2 corporate tax will be approx €8,420. Set aside funds.
Receipt extraction complete
14 receipts processed and matched to bank transactions automatically.
Upcoming deadlines
Form 303 — Q1 VAT
May 30
5d left
Payroll submission
Jun 03
9d left
Quarterly report
Jun 15
21d
Recent documents
Invoice_2026_0142.pdf
Income · 284 KB
verified
Bank_Statement_Q1.pdf
Bank · 1.2 MB
verified
Receipt_Office_Supplies.jpg
Expense · 612 KB
review
Pending actions
File Form 303 — Acme Studios
Diego R. · due May 30
high
Approve payroll adjustments
María S. · due Jun 03
med
Send Q1 closing summary
Team · due Jun 07
low
Section 08 · CRM Preview

Every client, every interaction — one source of truth.

A workspace inspired by the operational rigor of HubSpot and the precision of Linear — drill into any client to see revenue, documents, tasks and AI-generated summaries at a glance.

portal.pba.app / dashboard
A

Acme Studios SL

active
Maria Lopez · maria@acme.studio
Annual revenue
€184k
12.4%
Documents
142
8.1%
Active tasks
6
AI summary

Acme Studios SL is a SL based in ES with 12 employees and annual revenue of €184,250. Account is currently active. Recent activity includes Q1 VAT filing (accepted), payroll submission for 12 employees, and 14 new invoices processed by AI. Next major deadline: Form 303 in 5 days. No outstanding compliance issues detected.

Recent activity timeline
Form 303 submitted to AEAT
Today · 10:24
Diego R. uploaded 14 invoices
Today · 09:11
Payroll for April approved
Yesterday
Client message resolved
2 days ago
General info
Type
SL · ES
Email
maria@acme.studio
Phone
+34 612 345 678
Address
Calle Mayor 12, Madrid
Tax info
VAT ID
BC1123456
Tax regime
General
Fiscal year
Jan – Dec
Last filing
Form 303 · May 22
AI Powered Operations

Intelligence, built into every workflow

A pragmatic AI layer focused on operational leverage, not novelty. Built where it removes hours from real PBA work.

AI Tax Assistant
Proactive deduction discovery and filing prep.
AI Translation
Real-time multilingual client interaction.
AI Client Support
First-line answers from PBA knowledge.
AI Document Processing
Auto-classification and data extraction.
AI Invoice Recognition
Vendor invoices parsed to ledger lines.
AI Summaries
Conversation and case digests on demand.
Mobile First Experience

The platform lives in the pocket of every client.

Designed mobile-first because business owners run their day from their phone. Every desktop capability scales gracefully into native gestures and notifications.

  • Dashboard at a glance
    Income, taxes, deadlines — one swipe away.
  • Push notifications
    Document requests, deadlines and message alerts.
  • Instant messaging
    Native chat with your accountant team.
  • Document upload
    Camera capture with auto-OCR.
Good morning
María R.
Income · Q4
€48,210
+12.4% vs Q3
Expenses
€18.4K
Tax
€7.1K
3 alerts
IVA deadline in 7 days
2 new documents
Message from accountant
PBA · María
Online
Hi María, your Q4 IVA is ready for review.
Great — anything I need to sign off?
Yes, 3 expense entries — I've flagged them.
Reviewing now.
IVA-Q4-2025.pdf · 1.2 MB
Message...
Technology Architecture

A modern, proven stack — chosen for longevity.

Industry-standard frameworks selected for security, talent availability and long-term maintainability.

Layer
Frontend
  • Next.js
  • React
  • TypeScript
Layer
Backend
  • NestJS
  • TypeScript
  • REST + Webhooks
Layer
Database
  • PostgreSQL
  • Migrations
  • Auditing
Layer
Infrastructure
  • Docker
  • Cloud Servers
  • Object Storage
Layer
Security
  • Role-based Access
  • MFA
  • Audit Logs
  • Daily Backups
  • Encryption
Development Roadmap

12 months. Six phases. One launch.

A structured delivery plan with clear milestones — designed to give financial partners visibility on every stage.

Phase 01
Month 1–2
Analysis & UX Research
Stakeholder mapping, workflows, requirements.
Phase 02
Month 2–3
UI / UX Design
Design system, prototypes, validation.
Phase 03
Month 3–7
Core Platform Development
Portal, CRM, documents, communication.
Phase 04
Month 7–9
Integrations & Automation
AI layer, WhatsApp, accounting bridge.
Phase 05
Month 9–11
Testing & Optimization
QA, performance, security hardening.
Phase 06
Month 11–12
Launch & Support
Rollout, training, ongoing operations.
Section 13 · Development Methodology

How each phase is executed

01
Requirements Analysis
02
UX/UI Design
03
Frontend Development
04
Backend Development
05
Integrations
06
Testing
07
Deployment
08
Maintenance
Development Investment

€80,000 of focused investment. Fully allocated, fully justified.

Prepared by CodeWave Digital Solutions — a transparent, line-by-line breakdown of the development budget.

Budget breakdown
UX/UI Design
10,000
12.5% of total
Frontend Development
25,000
31.25% of total
Backend Development
25,000
31.25% of total
Testing & QA
7,500
9.375% of total
Infrastructure & DevOps
5,000
6.25% of total
Documentation & Deployment
7,500
9.375% of total
Total investment
80,000
Allocation
Total
€80K
UX/UI Design
Frontend Development
Backend Development
Testing & QA
Infrastructure & DevOps
Documentation & Deployment
Allocation of Financing

100% of financing flows into product.

Every euro of the €80,000 facility is committed to building, securing and launching the platform. No operational overhead, no marketing reallocation.

Use of funds
€80,000 total
70%
Software Development
10%
Infrastructure
10%
Testing & QA
5%
Deployment
5%
Platform Launch
Expected Business Impact

What the financing unlocks.

Projected operational and commercial impact once the platform is in production across PBA.

Higher Client Capacity
Same headcount, multiplied output.
+65%
Increased Automation
Manual tasks removed across operations.
+40%
Better Customer Experience
Satisfaction & retention uplift.
−50%
Reduced Manual Work
Time recovered for advisory work.
100%
Franchise Readiness
Operations replicable on day one.
10×
Operational Scalability
Ready for multi-location growth.
Commercial Development Proposal

A formal proposal — built for credit committees.

The headline terms of the engagement, prepared for review by financial institutions and strategic partners.

Proposal
PBA-2026-FIN-01
Project
PBA Digital Platform
Development Partner
CodeWave Digital Solutions
Estimated Timeline
10 – 12 Months
Total Project Value
€80,000 EUR
Purpose
Development of a proprietary digital ecosystem for accounting services, business management and future franchise operations.
Issued 2026 · Confidential
€80,000 EUR
Section 18 · Why this project is credible
01
Existing Business
Operational firm in Spain.
02
Existing Clients
Active SMB & freelancer book.
03
Existing Infrastructure
Live ecosystem in production.
04
Existing Digital Presence
Public website at pba.top.
05
Proven Demand
Recurring service relationships.
06
Scalable Business Model
Franchise-ready roadmap.
Final brief

Building the future of
accounting services.

PBA Digital Platform is designed to become the central ecosystem for accounting, business management and future franchise operations.