What does Xolv do and what does Valyoux do?
Xolv - as you know - covers risks for companies where debtors and financing working capital are concerned. Xolv uses insurance and financial products for this purpose. Valyoux, on the other hand, focuses on the entrepreneur as a private person and any risks she runs privately and professionally. Valyoux does not use insurance products for this, but adjusts capital structures to achieve goals.
Case study of collaboration between Xolv and Valyoux
A client of Xolv has been hedging its debtor and other risks through Xolv for years - to her complete satisfaction. It is an international commission agent, whose shares are owned by one shareholder. This shareholder attaches great importance to his privacy, has investment issues and now has considerable assets that he wants to handle prudently. During conversations that Xolv has with the relation, Xolv senses that the relation is concerned about the assets becoming public and also whether the continuity of the company is guaranteed if the shareholder dies.
No insurance products are available to solve these issues, which is why Xolv introduced Valyoux to its relationship. Valyoux carried out a restructuring of the company for this relationship, whereby the risk of its assets going public became virtually nil. It did this by intervening in the company structure, which meant the company no longer had to disclose its annual figures. Moreover, Valyoux has made the company fiscally sale-ready. Should a unique opportunity ever arise, the tax authorities will not be the first to step in.
In addition, Valyoux split the relationship's assets into "business-related" assets and a "savings pot for later", to prevent business risks from infecting the savings pot. And asset advice helped the relationship design its investment portfolios with a limited risk profile. Finally, measures were provided to ensure that business continuity - in case the shareholder dies - does not depend on possible inheritance tax claims or unmanageability of the company.
In fact, the cooperation between Xolv and Valyoux covered both insurable and uninsurable risks. Finally, "winners have a plan, losers have excuses"......
Want to know what the collaboration between Xolv and Valyoux can do for you? Then contact us at info@xolv.nl or 073 - 820 02 95. Our specialists will be happy to talk to you.
