{"id":5445,"date":"2022-06-15T10:00:11","date_gmt":"2022-06-15T08:00:11","guid":{"rendered":"https:\/\/reveltio.com\/?p=5445"},"modified":"2022-11-28T10:21:55","modified_gmt":"2022-11-28T09:21:55","slug":"prognozowanie-finansowe-krok-po-kroku","status":"publish","type":"post","link":"https:\/\/reveltio.com\/pl\/prognozowanie-finansowe-krok-po-kroku\/","title":{"rendered":"Prognozowanie finansowe krok po kroku"},"content":{"rendered":"<div  class=\"tatsu-h45ezs3pun6t7yrh tatsu-section  tatsu-bg-overlay   tatsu-clearfix\" data-title=\"\"  data-headerscheme=\"background--dark\"><div class='tatsu-section-pad clearfix' data-padding='{\"d\":\"15px 0px 15px 0px\"}' data-padding-top='15px'><div class=\"tatsu-row-wrap  tatsu-wrap tatsu-row-one-col tatsu-row-has-one-cols tatsu-medium-gutter tatsu-reg-cols  tatsu-clearfix tatsu-h45ezs3pyj8gsthk\" ><div  class=\"tatsu-row \" ><div  class=\"tatsu-column  tatsu-bg-overlay tatsu-one-col tatsu-column-image-none tatsu-column-effect-none  tatsu-h45ezs3q1wdojcus\"  data-parallax-speed=\"0\" style=\"\"><div class=\"tatsu-column-inner \" ><div class=\"tatsu-column-pad-wrap\"><div class=\"tatsu-column-pad\" ><div  class=\"tatsu-module tatsu-text-block-wrap tatsu-h45ezs3q5h9m0axc  \"><div class=\"tatsu-text-inner tatsu-align-center  clearfix\" ><style>.tatsu-h45ezs3q5h9m0axc.tatsu-text-block-wrap .tatsu-text-inner{width: 100%;text-align: left;}<\/style><p><\/p>\n<p>Prowadzenie ka\u017cdej dzia\u0142alno\u015bci gospodarczej wi\u0105\u017ce si\u0119 z planowaniem przysz\u0142o\u015bci. Prognozowanie finansowe wspiera proces zarz\u0105dzania firm\u0105 i co wa\u017cne &#8211; pozwala na obiektywne przewidywanie zdarze\u0144 i wp\u0142ywu podejmowanych decyzji na sytuacj\u0119 finansow\u0105 podmiotu. Celem prognozowania jest podnoszenie finansowej efektywno\u015bci organizacji.<\/p>\n<p><\/p>\n<p><\/p>\n<h2><strong>Czym jest prognozowanie finansowe?<\/strong><\/h2>\n<p><\/p>\n<p><\/p>\n<p>Pod tym poj\u0119ciem kryje si\u0119 przewidywanie mo\u017cliwego przebiegu proces\u00f3w i zjawisk, kt\u00f3re powinno by\u0107 oparte na podstawach naukowych. Prognozowanie finansowe pe\u0142ni istotn\u0105 funkcj\u0119 w zarz\u0105dzaniu podmiotem gospodarczym, poniewa\u017c wspomaga proces podejmowania decyzji, planowanie i bud\u017cetowanie. Z uwagi na fakt, \u017ce prognozowanie finansowe umo\u017cliwia racjonalne przewidywanie przysz\u0142ych zdarze\u0144, szczeg\u00f3lne znaczenie w przedsi\u0119biorstwie ma prognozowanie przychod\u00f3w ze sprzeda\u017cy.<\/p>\n<p><\/p>\n<p><\/p>\n<h3><strong>Istota prognozowania finansowego<\/strong><\/h3>\n<p><\/p>\n<p><\/p>\n<p>Prognozowanie finansowe wi\u0105\u017ce si\u0119 z pewnego rodzaju niepewno\u015bci\u0105. Postawienie w 100% trafnej prognozy jest zazwyczaj niemo\u017cliwe ze wzgl\u0119du na losowe czynniki wyst\u0119puj\u0105ce na etapie jej przygotowywania. Pomimo tego prognozowanie finansowe jest coraz cz\u0119\u015bciej wykorzystywane w podmiotach gospodarczych, szczeg\u00f3lnie w tych o charakterze globalnym. Stanowi pewnego rodzaju dope\u0142nienie tradycyjnych sposob\u00f3w analizy finansowej. Podstaw\u0105 prognozowania finansowego s\u0105 wydatki, w tym nak\u0142ady inwestycyjne i koszty prowadzenia dzia\u0142alno\u015bci gospodarczej. Pod uwag\u0119 nale\u017cy wzi\u0105\u0107 r\u00f3wnie\u017c uzyskane przychody. Prognozowanie finansowe pozwala na identyfikacj\u0119 zmiennych wp\u0142ywaj\u0105cych na generowane zyski firmy. Do wykonania prognozy finansowej niezb\u0119dne s\u0105:<\/p>\n<p><\/p>\n<p><\/p>\n<p>\u25cf \u00a0 \u00a0 analiza rynkowa,<\/p>\n<p><\/p>\n<p><\/p>\n<p>\u25cf \u00a0 \u00a0 do\u015bwiadczenie w prognozowaniu finansowym,<\/p>\n<p><\/p>\n<p><\/p>\n<p>\u25cf \u00a0 \u00a0 gromadzenie informacji o rozwoju dzia\u0142alno\u015bci,<\/p>\n<p><\/p>\n<p><\/p>\n<p>\u25cf \u00a0 \u00a0 wsp\u00f3\u0142praca z pracownikami.<\/p>\n<p><\/p>\n<p><\/p>\n<p>Do przygotowania prognozy finansowej wykorzystywany jest model finansowy.<\/p>\n<p><\/p>\n<p><\/p>\n<p><\/p>\n<\/div><\/div><\/div><\/div><div class = \"tatsu-column-bg-image-wrap\"><div class = \"tatsu-column-bg-image\" ><\/div><\/div><div class=\"tatsu-overlay tatsu-column-overlay tatsu-animate-none\" ><\/div><\/div><style>.tatsu-row > .tatsu-h45ezs3q1wdojcus.tatsu-column{width: 100%;}.tatsu-h45ezs3q1wdojcus.tatsu-column > .tatsu-column-inner > .tatsu-column-overlay{mix-blend-mode: normal;}.tatsu-h45ezs3q1wdojcus > .tatsu-column-inner > .tatsu-top-divider{z-index: 9999;}.tatsu-h45ezs3q1wdojcus > .tatsu-column-inner > .tatsu-bottom-divider{z-index: 9999;}.tatsu-h45ezs3q1wdojcus > .tatsu-column-inner > .tatsu-left-divider{z-index: 9999;}.tatsu-h45ezs3q1wdojcus > .tatsu-column-inner > .tatsu-right-divider{z-index: 9999;}<\/style><\/div><\/div><\/div><\/div><div class=\"tatsu-section-background-wrap\"><div class = \"tatsu-section-background\" ><\/div><\/div><div class=\"tatsu-overlay tatsu-section-overlay\"><\/div><style>.tatsu-h45ezs3pun6t7yrh .tatsu-section-pad{padding: 15px 0px 15px 0px;}.tatsu-h45ezs3pun6t7yrh > .tatsu-bottom-divider{z-index: 9999;}.tatsu-h45ezs3pun6t7yrh > .tatsu-top-divider{z-index: 9999;}.tatsu-h45ezs3pun6t7yrh .tatsu-section-overlay{mix-blend-mode: normal;}<\/style><\/div><div  class=\"tatsu-HJ0A6b3sq tatsu-section  tatsu-bg-overlay   tatsu-clearfix\" data-title=\"\"  data-headerscheme=\"background--dark\"><div class='tatsu-section-pad clearfix' data-padding='{\"d\":\"0px 0px 0px 0px\"}' data-padding-top='0px'><div class=\"tatsu-row-wrap  tatsu-wrap tatsu-row-one-col tatsu-row-has-one-cols tatsu-medium-gutter tatsu-reg-cols  tatsu-clearfix tatsu-B1l0A6-hi5\" ><div  class=\"tatsu-row \" ><div  class=\"tatsu-column  tatsu-bg-overlay tatsu-one-col tatsu-column-image-none tatsu-column-effect-none  tatsu-H1WC0Tb2s9\"  data-parallax-speed=\"0\" style=\"\"><div class=\"tatsu-column-inner \" ><div class=\"tatsu-column-pad-wrap\"><div class=\"tatsu-column-pad\" ><div  class=\"tatsu-module tatsu-call-to-action tatsu-clearfix  tatsu-SJMCATWho9  \" ><div class=\"tatsu-cta-inner\"><h5 class=\"tatsu-action-content\" >Wypr\u00f3buj REVELTIO za darmo!<\/h5><a class=\"mediumbtn tatsu-button rounded tatsu-action-button   \" href=\"https:\/\/reveltio.com\/wyprobuj-za-darmo\/\" data-gdpr-atts={} ><span>Chc\u0119 wypr\u00f3bowa\u0107<\/span><\/a><style>.tatsu-SJMCATWho9.tatsu-call-to-action{background-color: rgba(23,255,129,1);}.tatsu-SJMCATWho9 .tatsu-action-content{color: #ffffff ;}.tatsu-SJMCATWho9 .tatsu-action-button{background: rgba(0,0,0,1);border-color: #ffffff; }.tatsu-SJMCATWho9 .tatsu-action-button:hover{background: #ffffff;border-color: #ffffff; }.tatsu-SJMCATWho9 .tatsu-action-button span{color: #ffffff ;}.tatsu-SJMCATWho9 .tatsu-action-button:hover span{color: rgba(0,0,0,1) ;}<\/style><\/div><\/div><\/div><\/div><div class = \"tatsu-column-bg-image-wrap\"><div class = \"tatsu-column-bg-image\" ><\/div><\/div><div class=\"tatsu-overlay tatsu-column-overlay tatsu-animate-none\" ><\/div><\/div><style>.tatsu-row > .tatsu-H1WC0Tb2s9.tatsu-column{width: 100%;}.tatsu-H1WC0Tb2s9.tatsu-column > .tatsu-column-inner > .tatsu-column-overlay{mix-blend-mode: normal;}.tatsu-H1WC0Tb2s9 > .tatsu-column-inner > .tatsu-top-divider{z-index: 9999;}.tatsu-H1WC0Tb2s9 > .tatsu-column-inner > .tatsu-bottom-divider{z-index: 9999;}.tatsu-H1WC0Tb2s9 > .tatsu-column-inner > .tatsu-left-divider{z-index: 9999;}.tatsu-H1WC0Tb2s9 > .tatsu-column-inner > .tatsu-right-divider{z-index: 9999;}@media only screen and (max-width:1377px) {.tatsu-row > .tatsu-H1WC0Tb2s9.tatsu-column{width: 100%;}}@media only screen and (min-width:768px) and (max-width: 1024px) {.tatsu-row > .tatsu-H1WC0Tb2s9.tatsu-column{width: 100%;}}@media only screen and (max-width: 767px) {.tatsu-row > .tatsu-H1WC0Tb2s9.tatsu-column{width: 100%;}}<\/style><\/div><\/div><\/div><\/div><div class=\"tatsu-section-background-wrap\"><div class = \"tatsu-section-background\" ><\/div><\/div><div class=\"tatsu-overlay tatsu-section-overlay\"><\/div><style>.tatsu-HJ0A6b3sq .tatsu-section-offset-wrap{transform: translateY(-0px);}.tatsu-HJ0A6b3sq > .tatsu-bottom-divider{z-index: 9999;}.tatsu-HJ0A6b3sq > .tatsu-top-divider{z-index: 9999;}.tatsu-HJ0A6b3sq .tatsu-section-overlay{mix-blend-mode: normal;}<\/style><\/div><div  class=\"tatsu-B18sTb3s9 tatsu-section  tatsu-bg-overlay   tatsu-clearfix\" data-title=\"\"  data-headerscheme=\"background--dark\"><div class='tatsu-section-pad clearfix' data-padding='{\"d\":\"15px 0px 15px 0px\"}' data-padding-top='15px'><div class=\"tatsu-row-wrap  tatsu-wrap tatsu-row-one-col tatsu-row-has-one-cols tatsu-medium-gutter tatsu-reg-cols  tatsu-clearfix tatsu-HyxUoa-ns5\" ><div  class=\"tatsu-row \" ><div  class=\"tatsu-column  tatsu-bg-overlay tatsu-one-col tatsu-column-image-none tatsu-column-effect-none  tatsu-SyZLs6-ns9\"  data-parallax-speed=\"0\" style=\"\"><div class=\"tatsu-column-inner \" ><div class=\"tatsu-column-pad-wrap\"><div class=\"tatsu-column-pad\" ><div  class=\"tatsu-module tatsu-text-block-wrap tatsu-rkMIi6Z2s5  \"><div class=\"tatsu-text-inner tatsu-align-center  clearfix\" ><style>.tatsu-rkMIi6Z2s5.tatsu-text-block-wrap .tatsu-text-inner{width: 100%;text-align: left;}<\/style><p><\/p>\n<p><\/p>\n<p><\/p>\n<h2><strong>Metody prognozowania finansowego<\/strong><\/h2>\n<p><\/p>\n<p><\/p>\n<p>Jak ju\u017c wspomniano, prognozowanie finansowe nigdy nie b\u0119dzie trafione w 100%, jednak pozwala na okre\u015blenie prawdopodobnego zachowania si\u0119 poszczeg\u00f3lnych danych. Wyr\u00f3\u017cnia si\u0119 wiele metod prognostycznych, ale podstawowa klasyfikacja dzieli je na metody ilo\u015bciowe i jako\u015bciowe. Metody ilo\u015bciowe opieraj\u0105 si\u0119 na informacjach finansowych z przesz\u0142o\u015bci. Zalicza si\u0119 do nich przede wszystkim metody statystyczne i ekonometryczne. Metody jako\u015bciowe, z kolei, polegaj\u0105 na subiektywnych ocenach ekspert\u00f3w lub jednostek. Ze wzgl\u0119du na to, \u017ce oceny ekspert\u00f3w bazuj\u0105 na ich przekonaniach, metody jako\u015bciowe zyska\u0142y miano mniej formalnych.<\/p>\n<p><\/p>\n<p><\/p>\n<h2><strong>Etapy prognozowania finansowego<\/strong><\/h2>\n<p><\/p>\n<p><\/p>\n<p>Praca nad przygotowaniem prognozy finansowej przebiega etapami, kt\u00f3re zosta\u0142y opisane poni\u017cej.<\/p>\n<p><\/p>\n<p><\/p>\n<h3><strong>Wyznaczenie os\u00f3b do przygotowania prognozowania finansowego<\/strong><\/h3>\n<p><\/p>\n<p><\/p>\n<p>Zesp\u00f3\u0142, przygotowuj\u0105cy prognozowanie finansowe, powinien mie\u0107 przydzielone konkretne zadania oraz wybra\u0107 spo\u015br\u00f3d siebie lidera. Dobrze, je\u015bli w zespole uczestnicz\u0105 pracownicy wy\u017cszego szczebla z dzia\u0142u marketingu, logistyki czy HR oraz personel administracyjny.<\/p>\n<p><\/p>\n<p><\/p>\n<h3><strong>Identyfikacja zmiennych wp\u0142ywaj\u0105cych na wyniki finansowe firmy<\/strong><\/h3>\n<p><\/p>\n<p><\/p>\n<p>Ka\u017cdy biznes rz\u0105dzi si\u0119 swoimi prawami, wi\u0119c czynniki, maj\u0105ce wp\u0142yw na koszty i przychody konkretnego przedmiotu, b\u0119d\u0105 r\u00f3\u017cne. Istotn\u0105 kwesti\u0105 jest analiza procesu sprzeda\u017cowego oraz realizacji us\u0142ug pod k\u0105tem czynnik\u00f3w wp\u0142ywaj\u0105cych na koszty zmienne.<\/p>\n<p><\/p>\n<p><\/p>\n<h3><strong>Wypracowanie modelu finansowego<\/strong><\/h3>\n<p><\/p>\n<p><\/p>\n<p>Model finansowy dla ka\u017cdej dzia\u0142alno\u015bci usprawnia przygotowanie prognozy finansowej, poniewa\u017c umo\u017cliwia wprowadzenie podstawowych danych, niezb\u0119dnych przy prognozowaniu. Ka\u017cdy cz\u0142onek zespo\u0142u powinien skoncentrowa\u0107 si\u0119 na obszarze dzia\u0142alno\u015bci, na temat kt\u00f3rego posiada wystarczaj\u0105c\u0105 wiedz\u0119.<\/p>\n<p><\/p>\n<p><\/p>\n<h3><strong>Opracowanie strategii rozwoju dzia\u0142alno\u015bci firmy<\/strong><\/h3>\n<p><\/p>\n<p><\/p>\n<p>Aby zwi\u0119kszy\u0107 efektywno\u015b\u0107 finansow\u0105 firmy, nale\u017cy wyznaczy\u0107 cele strategiczne, operacyjne i taktyczne. Do cel\u00f3w strategicznych zalicza si\u0119 d\u0142ugoterminowe za\u0142o\u017cenia, np. wkroczenie na nowy rynek. Cele operacyjne opisuj\u0105 metody osi\u0105gania cel\u00f3w strategicznych.<\/p>\n<p><\/p>\n<p><\/p>\n<p>Cele taktyczne to nic innego, jak konkretnie dzia\u0142ania, kt\u00f3re zbli\u017caj\u0105 firm\u0119 do osi\u0105gni\u0119cia cel\u00f3w operacyjnych.<\/p>\n<p><\/p>\n<p><\/p>\n<h3><strong>Przygotowanie prognozy finansowej<\/strong><\/h3>\n<p><\/p>\n<p><\/p>\n<p>Opracowane za\u0142o\u017cenie powinny zosta\u0107 przekazane pracownikom firmy. Przy prognozowaniu finansowym kluczowe jest wyznaczenie ram czasowych.<\/p>\n<p><\/p>\n<p><\/p>\n<h2><strong>Co powinna zawiera\u0107 w sobie prognoza finansowa?<\/strong><\/h2>\n<p><\/p>\n<p><\/p>\n<p>Stopie\u0144 zaawansowania prognozowania finansowego jako procesu zale\u017cy od specyfiki danego podmiotu. Sk\u0142adowymi prognozowania finansowego powinno by\u0107 otoczenie firmy oraz do\u015bwiadczenie pracuj\u0105cych w niej os\u00f3b. Co najwa\u017cniejsze, prognoza musi opiera\u0107 si\u0119 na ca\u0142kowicie realnych, a nie wyimaginowanych danych. Prognoza finansowa powinna zawiera\u0107 w sobie przewidywania dotycz\u0105ce rachunku zysk\u00f3w i strat, aktyw\u00f3w i pasyw\u00f3w bilansu oraz przep\u0142yw\u00f3w pieni\u0119\u017cnych.<\/p>\n<p><\/p>\n<p><\/p>\n<h2><strong>Narz\u0119dzia wykorzystywane do prognozowania finansowego<\/strong><\/h2>\n<p><\/p>\n<p><\/p>\n<p>Prognozowanie przysz\u0142ych wynik\u00f3w finansowych jest dla przedsi\u0119biorstwa kwesti\u0105 kluczow\u0105 w ka\u017cdym momencie jego funkcjonowania. Prognozy s\u0105 wymagane przez instytucje, kt\u00f3re udzielaj\u0105 finansowania kredytowego, ale wykonuje si\u0119 je r\u00f3wnie\u017c ze wzgl\u0119du na potrzeby w\u0142asne podmiotu. Do tego celu wykorzystywane s\u0105 nowoczesne narz\u0119dzia, kt\u00f3re pozwalaj\u0105 na sporz\u0105dzanie prognoz opieraj\u0105cych si\u0119 na bilansie, rachunku zysk\u00f3w i strat, a tak\u017ce na przep\u0142ywach pieni\u0119\u017cnych. Prognozowanie finansowe wspomagane jest przez dedykowane oprogramowanie, kt\u00f3re powinno by\u0107 proste i wygodne w obs\u0142udze. Reveltio oferuje swoim kontrahentom gotowe funkcjonalno\u015bci u\u0142atwiaj\u0105ce prognozowanie finansowe. Do dyspozycji klient\u00f3w jest pe\u0142na tabela przychod\u00f3w i koszt\u00f3w wraz z mo\u017cliwo\u015bci\u0105 filtrowania i zliczania, szybki podgl\u0105d faktur kosztowych i sprzeda\u017cowych, opcja prognozowania faktur na najbli\u017cszy okres, a co najwa\u017cniejsze &#8211; wszystkie dokumenty w prosty spos\u00f3b mo\u017ce pobra\u0107\u00a0ksi\u0119gowo\u015b\u0107.<\/p>\n<p><\/p>\n<\/div><\/div><\/div><\/div><div class = \"tatsu-column-bg-image-wrap\"><div class = \"tatsu-column-bg-image\" ><\/div><\/div><div class=\"tatsu-overlay tatsu-column-overlay tatsu-animate-none\" ><\/div><\/div><style>.tatsu-row > .tatsu-SyZLs6-ns9.tatsu-column{width: 100%;}.tatsu-SyZLs6-ns9.tatsu-column > .tatsu-column-inner > .tatsu-column-overlay{mix-blend-mode: normal;}.tatsu-SyZLs6-ns9 > .tatsu-column-inner > .tatsu-top-divider{z-index: 9999;}.tatsu-SyZLs6-ns9 > .tatsu-column-inner > .tatsu-bottom-divider{z-index: 9999;}.tatsu-SyZLs6-ns9 > .tatsu-column-inner > .tatsu-left-divider{z-index: 9999;}.tatsu-SyZLs6-ns9 > .tatsu-column-inner > .tatsu-right-divider{z-index: 9999;}<\/style><\/div><\/div><\/div><\/div><div class=\"tatsu-section-background-wrap\"><div class = \"tatsu-section-background\" ><\/div><\/div><div class=\"tatsu-overlay tatsu-section-overlay\"><\/div><style>.tatsu-B18sTb3s9 .tatsu-section-pad{padding: 15px 0px 15px 0px;}.tatsu-B18sTb3s9 > .tatsu-bottom-divider{z-index: 9999;}.tatsu-B18sTb3s9 > .tatsu-top-divider{z-index: 9999;}.tatsu-B18sTb3s9 .tatsu-section-overlay{mix-blend-mode: normal;}<\/style><\/div><div  class=\"tatsu-SJp1RW3s9 tatsu-section  tatsu-bg-overlay   tatsu-clearfix\" data-title=\"\"  data-headerscheme=\"background--dark\"><div class='tatsu-section-pad clearfix' data-padding='{\"d\":\"0px 0px 0px 0px\"}' data-padding-top='0px'><div class=\"tatsu-row-wrap  tatsu-wrap tatsu-row-one-col tatsu-row-has-one-cols tatsu-medium-gutter tatsu-reg-cols  tatsu-clearfix tatsu-HJxpJAbnj9\" ><div  class=\"tatsu-row \" ><div  class=\"tatsu-column  tatsu-bg-overlay tatsu-one-col tatsu-column-image-none tatsu-column-effect-none  tatsu-Sy-TkCZ2sc\"  data-parallax-speed=\"0\" style=\"\"><div class=\"tatsu-column-inner \" ><div class=\"tatsu-column-pad-wrap\"><div class=\"tatsu-column-pad\" ><div  class=\"tatsu-module tatsu-call-to-action tatsu-clearfix  tatsu-r1Gpy0Zhi5  \" ><div class=\"tatsu-cta-inner\"><h5 class=\"tatsu-action-content\" >Poznaj funkcjonalno\u015bci REVELTIO<\/h5><a class=\"mediumbtn tatsu-button rounded tatsu-action-button   \" href=\"https:\/\/reveltio.com\/funkcjonalnosci\/\" data-gdpr-atts={} ><span>Sprawd\u017a<\/span><\/a><style>.tatsu-r1Gpy0Zhi5.tatsu-call-to-action{background-color: rgba(23,255,129,1);}.tatsu-r1Gpy0Zhi5 .tatsu-action-content{color: #ffffff ;}.tatsu-r1Gpy0Zhi5 .tatsu-action-button{background: rgba(0,0,0,1);border-color: #ffffff; }.tatsu-r1Gpy0Zhi5 .tatsu-action-button:hover{background: #ffffff;border-color: #ffffff; }.tatsu-r1Gpy0Zhi5 .tatsu-action-button span{color: #ffffff ;}.tatsu-r1Gpy0Zhi5 .tatsu-action-button:hover span{color: rgba(0,0,0,1) ;}<\/style><\/div><\/div><\/div><\/div><div class = \"tatsu-column-bg-image-wrap\"><div class = \"tatsu-column-bg-image\" ><\/div><\/div><div class=\"tatsu-overlay tatsu-column-overlay tatsu-animate-none\" ><\/div><\/div><style>.tatsu-row > .tatsu-Sy-TkCZ2sc.tatsu-column{width: 100%;}.tatsu-Sy-TkCZ2sc.tatsu-column > .tatsu-column-inner > .tatsu-column-overlay{mix-blend-mode: normal;}.tatsu-Sy-TkCZ2sc > .tatsu-column-inner > .tatsu-top-divider{z-index: 9999;}.tatsu-Sy-TkCZ2sc > .tatsu-column-inner > .tatsu-bottom-divider{z-index: 9999;}.tatsu-Sy-TkCZ2sc > .tatsu-column-inner > .tatsu-left-divider{z-index: 9999;}.tatsu-Sy-TkCZ2sc > .tatsu-column-inner > .tatsu-right-divider{z-index: 9999;}@media only screen and (max-width:1377px) {.tatsu-row > .tatsu-Sy-TkCZ2sc.tatsu-column{width: 100%;}}@media only screen and (min-width:768px) and (max-width: 1024px) {.tatsu-row > .tatsu-Sy-TkCZ2sc.tatsu-column{width: 100%;}}@media only screen and (max-width: 767px) {.tatsu-row > .tatsu-Sy-TkCZ2sc.tatsu-column{width: 100%;}}<\/style><\/div><\/div><\/div><\/div><div class=\"tatsu-section-background-wrap\"><div class = \"tatsu-section-background\" ><\/div><\/div><div class=\"tatsu-overlay tatsu-section-overlay\"><\/div><style>.tatsu-SJp1RW3s9 .tatsu-section-offset-wrap{transform: translateY(-0px);}.tatsu-SJp1RW3s9 > .tatsu-bottom-divider{z-index: 9999;}.tatsu-SJp1RW3s9 > .tatsu-top-divider{z-index: 9999;}.tatsu-SJp1RW3s9 .tatsu-section-overlay{mix-blend-mode: normal;}<\/style><\/div><div  class=\"tatsu-rybuWmnC9 tatsu-section  tatsu-bg-overlay   tatsu-clearfix\" data-title=\"\"  data-headerscheme=\"background--dark\"><div class='tatsu-section-pad clearfix' data-padding='{\"d\":\"32px 0px 0px 0px\"}' data-padding-top='32px'><div class=\"tatsu-row-wrap  tatsu-wrap tatsu-row-has-two-cols tatsu-medium-gutter tatsu-reg-cols  tatsu-clearfix tatsu-H1eb_bX20q\" ><div  class=\"tatsu-row \" ><div  class=\"tatsu-column  tatsu-bg-overlay tatsu-one-third tatsu-column-image-none tatsu-column-effect-none  tatsu-SkZZO-m3C5\"  data-parallax-speed=\"0\" style=\"\"><div class=\"tatsu-column-inner \" ><div class=\"tatsu-column-pad-wrap\"><div class=\"tatsu-column-pad\" ><div  class=\"tatsu-single-image tatsu-module tatsu-image-lazyload tatsu-ryfWO-m3R9  \" ><div class=\"tatsu-single-image-inner \" style=\"width : 1478px;\" ><div class = \"tatsu-single-image-padding-wrap\" style = \"padding-bottom : 101.150202977%;\" ><\/div><img class = \"tatsu-gradient-border\" alt = \"Krzysztof Czapnik\" title = \"Krzysztof Czapnik\" data-src = \"https:\/\/reveltio.com\/app\/uploads\/2022\/08\/foto-KC.png\" src =\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR42mNkYAAAAAYAAjCB0C8AAAAASUVORK5CYII=\"  \/><\/div><style>.tatsu-ryfWO-m3R9 .tatsu-single-image-inner{border-style: solid;max-width: 100%;}.tatsu-ryfWO-m3R9.tatsu-single-image{transform: translate3d(0px,0px, 0);}<\/style><\/div><\/div><\/div><div class = \"tatsu-column-bg-image-wrap\"><div class = \"tatsu-column-bg-image\" ><\/div><\/div><div class=\"tatsu-overlay tatsu-column-overlay tatsu-animate-none\" ><\/div><\/div><style>.tatsu-row > .tatsu-SkZZO-m3C5.tatsu-column{width: 33.33%;}.tatsu-SkZZO-m3C5.tatsu-column > .tatsu-column-inner > .tatsu-column-overlay{mix-blend-mode: normal;}.tatsu-SkZZO-m3C5 > .tatsu-column-inner > .tatsu-top-divider{z-index: 9999;}.tatsu-SkZZO-m3C5 > .tatsu-column-inner > .tatsu-bottom-divider{z-index: 9999;}.tatsu-SkZZO-m3C5 > .tatsu-column-inner > .tatsu-left-divider{z-index: 9999;}.tatsu-SkZZO-m3C5 > .tatsu-column-inner > .tatsu-right-divider{z-index: 9999;}@media only screen and (max-width:1377px) {.tatsu-row > .tatsu-SkZZO-m3C5.tatsu-column{width: 33.33%;}}@media only screen and (min-width:768px) and (max-width: 1024px) {.tatsu-row > .tatsu-SkZZO-m3C5.tatsu-column{width: 33.33%;}}@media only screen and (max-width: 767px) {.tatsu-row > .tatsu-SkZZO-m3C5.tatsu-column{width: 100%;}}<\/style><\/div><div  class=\"tatsu-column  tatsu-bg-overlay tatsu-two-third tatsu-column-image-none tatsu-column-effect-none  tatsu-H1mZOWmn09\"  data-parallax-speed=\"0\" style=\"\"><div class=\"tatsu-column-inner \" ><div class=\"tatsu-column-pad-wrap\"><div class=\"tatsu-column-pad\" ><div  class=\"tatsu-module tatsu-text-block-wrap tatsu-S1EWOb7hCc  \"><div class=\"tatsu-text-inner tatsu-align-center  clearfix\" ><style>.tatsu-S1EWOb7hCc.tatsu-text-block-wrap .tatsu-text-inner{width: 100%;text-align: left;}<\/style><h4><strong><br \/>Krzysztof Czapnik<\/strong><\/h4>\n<h5>Reveltio General Manager<br \/>tel.\u00a0<a href=\"tel:+48533464067\">+48 533 464 067<\/a><br \/>mail:\u00a0<a href=\"mailto:krzysztof@reveltio.com\">krzysztof@reveltio.com<\/a><\/h5>\n<\/div><\/div><\/div><\/div><div class = \"tatsu-column-bg-image-wrap\"><div class = \"tatsu-column-bg-image\" ><\/div><\/div><div class=\"tatsu-overlay tatsu-column-overlay tatsu-animate-none\" ><\/div><\/div><style>.tatsu-row > .tatsu-H1mZOWmn09.tatsu-column{width: 66.67%;}.tatsu-H1mZOWmn09.tatsu-column > .tatsu-column-inner > .tatsu-column-overlay{mix-blend-mode: normal;}.tatsu-H1mZOWmn09 > .tatsu-column-inner > .tatsu-top-divider{z-index: 9999;}.tatsu-H1mZOWmn09 > .tatsu-column-inner > .tatsu-bottom-divider{z-index: 9999;}.tatsu-H1mZOWmn09 > .tatsu-column-inner > .tatsu-left-divider{z-index: 9999;}.tatsu-H1mZOWmn09 > .tatsu-column-inner > .tatsu-right-divider{z-index: 9999;}@media only screen and (max-width:1377px) {.tatsu-row > .tatsu-H1mZOWmn09.tatsu-column{width: 66.67%;}}@media only screen and (min-width:768px) and (max-width: 1024px) {.tatsu-row > .tatsu-H1mZOWmn09.tatsu-column{width: 66.67%;}}@media only screen and (max-width: 767px) {.tatsu-row > .tatsu-H1mZOWmn09.tatsu-column{width: 100%;}}<\/style><\/div><\/div><\/div><\/div><div class=\"tatsu-section-background-wrap\"><div class = \"tatsu-section-background\" ><\/div><\/div><div class=\"tatsu-overlay tatsu-section-overlay\"><\/div><style>.tatsu-rybuWmnC9 .tatsu-section-pad{padding: 32px 0px 0px 0px;}.tatsu-rybuWmnC9 .tatsu-section-offset-wrap{transform: translateY(-0px);}.tatsu-rybuWmnC9 > .tatsu-bottom-divider{z-index: 9999;}.tatsu-rybuWmnC9 > .tatsu-top-divider{z-index: 9999;}.tatsu-rybuWmnC9 .tatsu-section-overlay{mix-blend-mode: normal;}<\/style><\/div>","protected":false},"excerpt":{"rendered":"<div><a href=\"https:\/\/reveltio.com\/pl\/prognozowanie-finansowe-krok-po-kroku\/\" class=\"exp-read-more exp-read-more-underlined\">Czytaj wi\u0119cej<\/a><\/div>\n","protected":false},"author":3,"featured_media":5446,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[38],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Prognozowanie finansowe krok po kroku &ndash; Reveltio<\/title>\n<meta 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