https://www.truuverk.com/artiklid daily 0.75 2023-04-12 https://www.truuverk.com/artiklid/eelarvestamine-mis-ja-milleks monthly 0.5 2023-04-12 https://www.truuverk.com/artiklid/finance-amp-artificial-intelligence-ai monthly 0.5 2023-03-13 https://www.truuverk.com/artiklid/korralikaruandlus monthly 0.5 2023-03-07 https://www.truuverk.com/artiklid/cfoasaserviceteenus monthly 0.5 2023-03-07 https://www.truuverk.com/home daily 1.0 2025-09-19 https://images.squarespace-cdn.com/content/v1/6149cd3ffbbb563c4f897af6/fe707f95-60ca-4af9-b55b-1fd7dbd896c7/IMG_6262_17-11-2021-10-36-35%281%29.jpg Kes ma olen? - Saame tuttavaks Tere, mina olen Kristiina Truuverk! Olen omandanud MBA Digital Society erialal EBS-st ning viimased 5+ aastat töötanud start-up mentaliteediga rahvusvahelistes tehnoloogia ettevõtetes, peamiselt ad-tech ja fin-tech. Varasem kogemus auditi valdkonnast on andnud mulle tugeva analüütilise ning detailile orienteeritud mentaliteedi. Olen olnud juhtival kohal nii finants, ärianalüüsi, riskide, kui ka vastavuskontrolli valdkondades. Mul on varasem praktiline kogemus RTJ-lt IFRS-le üleminekuga, ärianalüüsi osakonna ning protsesside ülesehitamisega, makselahenduste tootearendusega, rahvusvahelise raamatupidamise ülesseadmise ning raporteerimisega, ettevõtte väärtuse hindamisega, optsioonide hinnastamisega ning projekti tasuvusanalüüsiga. Olen kogenud, et Data-Driven Decision-Making juurutamine ettevõtetes aitab vastu võtta kaalutletud otsuseid tuleviku plaanide osas ning viia ettevõtteid järgmisele tasemele arengus. Minu jaoks ei ole võõrad terminid SQL ja Tableau, ning ma naudin koostööd IT arendajatega, et ehitada ettevõtte spetsiifilisi automatiseeritud raporteerimissüsteeme. https://images.squarespace-cdn.com/content/v1/6149cd3ffbbb563c4f897af6/1632918284751-XG7VKWCIV26W930KS7CW/KPMG_Plus_Strapline_NormalUse_RGB-1024x555.png Kes ma olen? https://images.squarespace-cdn.com/content/v1/6149cd3ffbbb563c4f897af6/1632918219695-WHI9DFNT8KKF62H80JK9/pocopay.png Kes ma olen? https://images.squarespace-cdn.com/content/v1/6149cd3ffbbb563c4f897af6/1632918197883-MDMOZWFZLY4BWU18EEEK/original.png Kes ma olen? https://images.squarespace-cdn.com/content/v1/6149cd3ffbbb563c4f897af6/699423ef-acdc-4e56-b234-128778549ffb/IMG_6436.jpeg Kes ma olen? - Kas mina võiksin olla Sinu jaoks sobiv juhendaja? Usun, et hea coachi puhul on oluline faktor ka õige omavahelise connectioni tekkimine juhendatavaga. Selleks, et saaksid paremini tunnetada, kas mina olen Sinu jaoks õige, soovin Sulle avada mis teeb minust minu. Olen teinud suhteliselt kiire tõusu lühikese aja jooksul oma karjääriredelil, alustades assistendi rollist ning saavutades 8 aastaga finantsasutuse juhatuse esimehe koha. See tee ei ole olnud ka kerge minu jaoks - olen tundnud ebakindlust, olnud jäärapäine ning kohati ka liialt nõudlik oma meeskonna suhtes. Samas on mind alati edasi viinud soov olla ise parem selles, mida teen ning aidata ka teistel saada paremaks selles, mida nemad teevad. Olen aastatega õppinud, kui oluline on tagasiside pakendamine just vastuvõtja jaoks sobivaks. Kuna olen peamiselt töötanud rahvusvahelistes ettevõttetes kõrvuti prantslaste, poolakate, norrakate, hiinlaste ning veel ligi 20+ rahvusega, usun et olen õppinud navigeerima erinevate kultuuride vahel päris hästi. Vabal ajal veedan palju aega merel tegeledes avamerepurjetamisega kõrgel sportlikul tasemel. Olles nädalate kaupa ca 13 m2 suurusel alal peamiselt 9-kesi, olen õppinud kui oluline on meeskonnatöö ning üksteise iseärasustega arvestamine - sest kui ees on 24h regatt, siis ei ole sul kusagile põgeneda. Tähtis on see, et me kõik panustame ühise eesmärgi nimel. https://images.squarespace-cdn.com/content/v1/6149cd3ffbbb563c4f897af6/1632385100224-QPZEDYP76I5P3LMAQB5H/unsplash-image-5fNmWej4tAA.jpg Kes ma olen? https://images.squarespace-cdn.com/content/v1/6149cd3ffbbb563c4f897af6/1632385382569-5UAMC1OL8UASWOH0049V/unsplash-image-JKUTrJ4vK00.jpg Kes ma olen? https://images.squarespace-cdn.com/content/v1/6149cd3ffbbb563c4f897af6/1632385729490-01KA0OZ91R3NH4DVEP2R/unsplash-image-betmVWGYcLY.jpg Kes ma olen? https://www.truuverk.com/finantsjuhtimine daily 0.75 2023-04-06 https://images.squarespace-cdn.com/content/v1/6149cd3ffbbb563c4f897af6/1632915773919-4WSWQZ9YULPDJYE1A2TD/unsplash-image-Lks7vei-eAg.jpg Finantsjuhtimine - Sul ei ole finantsjuhti? Pakun Su ettevõttele ühekordset või regulaarset finantsjuhtimist, aruandlust ja analüüsi. Kui otsid tuge tegevjuhi või omanikuna oma ideede finantsilise poole analüüsimisel ning igapäevaste finantside/ raamatupidamise juhtimisel, olen oma mitmeaastase finantsjuhi pagasiga Sulle abiks. Võta ühendust, kui vajad ühekordset (projektipõhist) või pikemajalist finantsjuhi teenust oma ettevõttele! https://images.squarespace-cdn.com/content/v1/6149cd3ffbbb563c4f897af6/1632916748832-W1056DVQXUFF2KGCS1WQ/unsplash-image-uCMKx2H1Y38.jpg Finantsjuhtimine - Projektipõhine finantsanalüüs Kõik saab alguse probleemi tõstatamisest - olgu selleks kasvõi küsimus “Kuidas tõsta kasumlikkust?” või “Kas minu uus idee tasub end finantsiliselt ära?”. Enim levinuimad finantsanalüüsi meetodid on horisontaal- ja vertikaalanalüüs ning finantssuhtarvude analüüs. Peamisteks infoallikateks bilanss, kasumiaruanne ja rahavoogude aruanne. Aitan sind: Igapäevase finantstegevuse ülevaade ja analüüs; Raamatupidamislik analüüs - soovitusi protsesside efektiivsuse tõstmiseks ning kajastamise põhimõtete rakendamisel (tulude ja kulude kajastamine, põhivara, periodiseerimine, maksud jne); Eelarvestamine Eelarvestamise ja raamatupidamise ühtlustamine; Kavandatavate investeeringute tasuvusanalüüs ning soovitused; Konsultatsioon RTJ-lt IFRS-le üleminekul; Ettevõtte väärtuse hindamine; Muud raamatupidamislikud või finantsilised küsimused. Anna oma murest/vajadustest teada ning leiame ühise lahenduse! https://www.truuverk.com/arianaluus daily 0.75 2023-04-06 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618497259178-6XJGK9GR6YAVBQL5L519/20140301_Trade-151_012-2.jpg Ärianalüüs https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694583486-2PQT0LQ193RL7MCB6DX4/20140228_Trade+151_0046.jpg Ärianalüüs https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694644871-IC85FNH781UNZSZEGHDR/Aro+Ha_0428.jpg Ärianalüüs https://www.truuverk.com/coaching daily 0.75 2022-01-10 https://images.squarespace-cdn.com/content/v1/6149cd3ffbbb563c4f897af6/bcb88074-e9ee-42ad-82d2-dc72c22f326a/unsplash-image-z1d-LP8sjuI.jpg Coaching - Äri (Business) coaching Selleks, et tunda coachingu posiitvseid effekte, ei pea alati olema ettevõtte juht. Igaühele meist kulub aegajalt ära oma mõtete/soovide kõva häälega kõrvalt kuulmine, mis aitab meid viia enese arengus järgmisesse etappi. Kasvades spetsialistist mitme osakonna juhiks, ei oleks see võimalik olnud ilma hea partnerita, kes aitas mul mõtestada oma käitumisi ning mustreid, ning neid paremaks muutma. Kõik selleks, et olla nii oma enda töös, kui ka meeskonna eestvedajana, parem ning efektiivsem. Kui tunned, et töö ei rahulda Sind piisavalt või soovid muutuda efektiivsemaks ning olla parem juht või meeskonnaliige, siis coaching on täpselt see mida peaksid proovima. Läbi juhendatud küsimuste ning struktureeritud arengu aitan Sul leida enda seest vastused ka kõige keerulisematele küsimustele ning dogmadest vabaneda, mis hoiavad Sind tagasi edasi arenemast. https://images.squarespace-cdn.com/content/v1/6149cd3ffbbb563c4f897af6/50827b86-9d16-4a38-9988-d320422bdd67/unsplash-image-z7oytXGI6VI.jpg Coaching - Finantsnõustamine Finantskootsingut pakun neile, kes soovivad saada oma rahaasjad kontrolli alla, et unistusi ellu viia. Olles ise juba 14-aastasest peale tundnud huvi investeerimismaailma ning finantskirjaoskuse vastu, usun et suudan Sind juhtida soovitud eesmärkideni - olgu selleks võlgadest vabanemine, vaba raha tekitamine, oma ettevõtte raamatupidamisest arusaamine või investeerimismaailmaga alguse tegemine. Kõik algab iseendasse panustamisest! https://www.truuverk.com/who-am-i daily 0.75 2021-11-22 https://images.squarespace-cdn.com/content/v1/6149cd3ffbbb563c4f897af6/d97744e4-9dd7-4f10-9559-94a29e64a625/IMG_6262_17-11-2021-10-36-35%281%29.jpg Who am I? - Let’s get to know each other Hey, I am Kristiina Truuverk! For the past 5+ years I have been working in several global start-up like tech companies, mainly in the business of adtech and fintech. Experiences from working in auditing have given me strong analytical thinking and attention to detail mentality, which I have been applying in all my positions. I have been running different departments, some at the same time, including finance & accounting, business & data analysis and compliance & risks. In my work I have had the privilege to run projects like transferring entity’s accounting from Estonian GAAP to IFRS, setting up business & data analysis department and the needed resources, payment services product development, setting up overseas accounting functionalities and reporting, enterprise valuations, option pricing and several other project payoff evaluations. I believe that Data-Driven Decision-Making would help entities to become more efficient and would give them basis for better decision making in regards to future scenarios. I got my MBA in Digital Society, and terms like SQL and Tableau are not alien. I enjoy working together with IT developers and product managers in building entity specific automated reporting and monitoring systems, and also finance related products. https://images.squarespace-cdn.com/content/v1/6149cd3ffbbb563c4f897af6/1632918219695-WHI9DFNT8KKF62H80JK9/pocopay.png Who am I? https://images.squarespace-cdn.com/content/v1/6149cd3ffbbb563c4f897af6/1632918197883-MDMOZWFZLY4BWU18EEEK/original.png Who am I? https://images.squarespace-cdn.com/content/v1/6149cd3ffbbb563c4f897af6/1632918284751-XG7VKWCIV26W930KS7CW/KPMG_Plus_Strapline_NormalUse_RGB-1024x555.png Who am I? https://images.squarespace-cdn.com/content/v1/6149cd3ffbbb563c4f897af6/7f1f892c-bf2a-4446-818d-75ef335d3eb9/76BD0E4E-3883-4020-A2C6-192F3C37D6CF.jpg Who am I? - Could I be the perfect fit for coaching/consulting you? I believe that being a good fit as a coach to a mentee, the two are required to have a spark/ right connection/ trust. In order for you to understand if I could be for you, I would like to introduce to you what triggers/motivates me in life. I have made a relatively rapid rise in my career in a short period of time, starting as an assistant and becoming Chairman of the Board of a financial institution in 8 years. This path has not been easy for me either - I have felt insecure, stubborn and sometimes too demanding of my team. At the same time, I have always been driven by the desire to be better at what I do and to help others get better at what they do. Over the years, I have learned how important it is to pack feedback for the recipient. As I have mainly worked in international companies alongside the French, Poles, Norwegians, Chinese and almost 20+ others, I believe that I have learned to navigate between different cultures quite well. In my free time I spend a lot of time at sea practicing offshore sailing at a high level of sport. Being mostly 9 people on an area of about 13 m2 every week, I have learned how important it is to work in a team and take into account each other's peculiarities - because if there is a 24-hour regatta ahead, you have nowhere to escape. It is important that we all contribute to a common goal. https://images.squarespace-cdn.com/content/v1/6149cd3ffbbb563c4f897af6/1632385100224-QPZEDYP76I5P3LMAQB5H/unsplash-image-5fNmWej4tAA.jpg Who am I? https://images.squarespace-cdn.com/content/v1/6149cd3ffbbb563c4f897af6/1632385382569-5UAMC1OL8UASWOH0049V/unsplash-image-JKUTrJ4vK00.jpg Who am I? https://images.squarespace-cdn.com/content/v1/6149cd3ffbbb563c4f897af6/1632385729490-01KA0OZ91R3NH4DVEP2R/unsplash-image-betmVWGYcLY.jpg Who am I? https://www.truuverk.com/financial-analysis daily 0.75 2021-11-22 https://images.squarespace-cdn.com/content/v1/6149cd3ffbbb563c4f897af6/1632915773919-4WSWQZ9YULPDJYE1A2TD/unsplash-image-Lks7vei-eAg.jpg Financial analysis & CFO-as-a-service - Are you looking for a CFO? I am offering your entity a one-time or recurring financial management, reporting or analysis service. If you as a manager or owner of a company are looking for support with financial analysis of potential projects or would like to improve accounting or financial processes, I can provide you help based on my several years of experience as a financial manager. Contact me if you are looking for one-time service or are considering CFO-as-a-service for your entity! https://images.squarespace-cdn.com/content/v1/6149cd3ffbbb563c4f897af6/1632916748832-W1056DVQXUFF2KGCS1WQ/unsplash-image-uCMKx2H1Y38.jpg Financial analysis & CFO-as-a-service - Project based financial analysis It all begins with raising a questions or a problem - such as How to improve my porfitability? or Does my potential idea/project pay off financially? The most common methods of financial analysis are horizontal and vertical analysis and financial ratio analysis. The main sources of information are the balance sheet, income statement and cash flow statement. I can help you with: Daily/weekly/monthly financial reporting and analysis Analysis of your accounting processes and provide guidance on how to improve them Setting up or harmonising budgeting and accounting practices Cost-benefit analysis and recommendations of new investments Consultation on transition from RTJ to IFRS Company valuation Other questions regarding accounting or finance Let me know of your needs and I am sure we can find a solution. https://www.truuverk.com/business-analysis daily 0.75 2021-11-22 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618497259178-6XJGK9GR6YAVBQL5L519/20140301_Trade-151_012-2.jpg Business analysis https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694583486-2PQT0LQ193RL7MCB6DX4/20140228_Trade+151_0046.jpg Business analysis https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694644871-IC85FNH781UNZSZEGHDR/Aro+Ha_0428.jpg Business analysis https://www.truuverk.com/coaching-and-counsling daily 0.75 2021-11-22 https://images.squarespace-cdn.com/content/v1/6149cd3ffbbb563c4f897af6/56f784d4-dcae-4176-b1f1-85785cdc7a8d/unsplash-image-z1d-LP8sjuI.jpg Coaching and counsling - Business coaching You don't always have to be a business leader to feel the positive effects of coaching. Each one of use should every once in a while say out loud what are our wishes and thoughts in terms of becoming a better professional. Developing from a specialist to the head of departments, I could not have done it without a good partner who helped me to understand my behaviours in certain situations and guided me through to becoming a better leader for my teams. Constant improvement and analysis of our patterns is necessary in order to be more efficient at what we do, and become a better leader for others. If you feel that your job today does not give you the satisfaction that it used to or you feel that you would like to improve at what you do, but just do not know how, or you would like to become a better manager for your team, then coaching is exactly what you need! Through guided questions and structured process I will help to find the answers to your questions or concerns within yourself to free up from patterns that restrict us from getting to the next level. https://images.squarespace-cdn.com/content/v1/6149cd3ffbbb563c4f897af6/da4e1600-4298-43bf-8e52-1da73a99493f/unsplash-image-z7oytXGI6VI.jpg Coaching and counsling - Financial guidance Financial guidance is intended as a 1:1 session for those who would like to improve their personal finances in order to fulfil their dreams. Since I was a 14-year-old kid, I was interested in the financial markets and investing. I believe that with my experience and passion for financial literacy I can guide you to your financial targets - e.g. getting free from debt, setting aside free cash, understanding the finances of your small entity or guiding you towards the world on investing. It all starts from investing in yourself!