Valerie Havard

I make finance understandable – for female entrepreneurs who want to shape their business economically.

I am convinced: It is time to rethink finance. And to show that clarity about money has nothing to do with "math talent".

But with responsibility.

With freedom of decision.

And with the ability to put a company on a stable footing.

I founded SMARTE ZAHLEN because I want to empower women who lead. Economically, but also socially.

Because I have experienced firsthand how little room there is for female perspectives in finance.

And because I see every day how much becomes possible when female entrepreneurs understand their numbers.

I am working on a new financial culture. Clear, sustainable, self-determined.

🔎 What I do:

I help female entrepreneurs understand their finances. And manage them so that their company grows sustainably in the long term.

💡 Why I do it:

Because economic knowledge is often male-dominated, unnecessarily complicated, and conveyed in a discouraging way. And because I believe that clarity about money is the key to true independence.

💬 What sets me apart:

More than 20 years of experience in finance. Clear language. Structured systems. And a deep commitment to rethinking entrepreneurship.

Optimization of liquidity and management of liquid funds in foreign branches.

Together with the local management, we implemented solutions to plan and optimize the liquidity of the local companies. Solutions were evaluated to minimize local liquid funds.

Implementation and execution of investment processes: Investment planning at group level, investment appraisal, creation of an investment roadmap, prioritization of investments based on economic and risk criteria, execution and moderation of investment workshops, investment reporting and controlling.