Example 1 · Horizon + projects
The full service
Ashgrove Group
An advisory practice with ten advisers and a home maintenance company, run by one owner. About R18 million a year, with a bank and a family who want proper reporting.
- First Look
- Snapshot
- Insight
- Live
- Horizon
- + Map, projects
The problem
Commission arrived from twelve insurers, each with its own format and schedule. Nobody could say whether every rand owed had been paid, or which clawbacks could still be disputed.
Renewals were worked from lists, so cross-sell gaps were found by chance. The maintenance company ran on its own spreadsheet, so nobody could see which side carried the group.
What they asked
- “Are insurers paying us all we're owed?”
- “Which clients are we missing at renewal?”
- “Which side of the group carries the other?”
Why the books couldn't answer it
The accounts show commission as one line per insurer, a month or two late. The detail that matters, per policy, per adviser and per clawback, sat in statements nobody had time to read.
What we offer them
- The data
- Insurer commission statements, the policy and claims system, the renewal lists, the maintenance job sheet, and the books.
- What we built
- The Map, then three projects: commission reconciliation, a renewals engine and one view of the whole book, together a six-module hub.
- Every month
- A daily refresh; views for the owner, advisers and maintenance manager; forecasts; a Monday report; a quarterly bank pack.
- Time with us
- Meetings every two weeks, a quarterly strategy session, and 8 hours a month for questions and quick analysis.
- Price
- R22,500 a month: Horizon, the second company and platform care. Projects quoted separately.
How a month works
Statements and system data land, daily or monthly.
The hub reconciles, flags and forecasts on its own.
We review it, write the Monday report and meet every two weeks.
Actions go to named people, and are tracked to done.
What it was worth
What we found, and what they did
01 · Late statements are chaseable, not lost
A month that looked R60,000 down was mostly four insurers whose statements simply hadn't arrived. The hub now learns each insurer's rhythm and flags any that are late.
Worth
R60,000 chased in one month, not written off
02 · Clawbacks with a deadline
R6 of every R100 came back as clawbacks, about R75,000 this year, each with a 90 to 180-day dispute window nobody tracked. Now there's a register, with days left on each.
Worth
Every clawback challenged in time
03 · Renewals become opportunities
Each month's renewals are assigned to an adviser, showing what the client already holds and what they're missing, and how each one ended.
Worth
A cross-sell conversation at every renewal
04 · Where the group depends
80% of commission came from four insurers, one of them 44%. On the maintenance side, profit swung with job volume, not margin. Both now show every month.
Worth
Growth decisions made on numbers
| Before | After |
|---|---|
| Statements in email, checked when someone had time | Reconciled to the cent, insurer by insurer |
| Clawbacks noticed after the fact | A register with days left to dispute |
| Renewals worked from lists | Assigned opportunities, with the gaps shown |
| Two businesses, two spreadsheets | One view for the owner, one for each manager |
Every month
R22,500 a month
Horizon R18,000, the second company R1,500, platform care R3,000.
Built along the way
A Map and three projects
Map R15,000, then about R205,000 of projects: one spread, one paid once, one included.
Illustrative example based on real work: names, details and figures changed. No VAT is added to any fee.