{"id":1898,"date":"2024-01-29T10:59:57","date_gmt":"2024-01-29T09:59:57","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=1898"},"modified":"2024-01-29T10:59:57","modified_gmt":"2024-01-29T09:59:57","slug":"lukas-novak-strategii-fingo-jsem-zameril-na-komplexnost-proto-jsme-se-rozesli-s-investorem","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/lukas-novak-strategii-fingo-jsem-zameril-na-komplexnost-proto-jsme-se-rozesli-s-investorem\/","title":{"rendered":"Luk\u00e1\u0161 Nov\u00e1k: Strategii FinGO jsem zam\u011b\u0159il na komplexnost,\u00a0proto jsme se roze\u0161li s\u00a0investorem"},"content":{"rendered":"\n

P\u0159ed dv\u011bma lety Luk\u00e1\u0161 Nov\u00e1k prodal minoritn\u00ed pod\u00edl ve spole\u010dnosti FinGO finan\u010dn\u00edm investor\u016fm. Nyn\u00ed ho kupuje zp\u011bt. Pro\u010d? A jak\u00e9 m\u00e1 dal\u0161\u00ed pl\u00e1ny? P\u0159e\u010dt\u011bte si rozhovor, kter\u00fd s Luk\u00e1\u0161em Nov\u00e1kem vy\u0161el na webu poradci-sobe.cz<\/a>.<\/p>\n\n\n\n

P\u0159ed \u010dasem jste prodal 40 % spole\u010dnosti FinGO finan\u010dn\u00edmu investorovi. Nyn\u00ed ho kupujete zp\u011bt. Co vedlo k odchodu investora?<\/strong><\/h4>\n\n\n\n

Byl to v\u00fdsledek na\u0161ich spole\u010dn\u00fdch debat. Jsou to p\u0159ibli\u017en\u011b dva roky, kdy do\u0161lo ke vstupu investora \u2013 v ten sam\u00fd \u010das jsme vstupovali na \u010desk\u00fd trh. Tou dobou jsme byli t\u00e9m\u011b\u0159 \u010dty\u0159i roky na Slovensku a n\u00e1\u0161 meziro\u010dn\u00ed r\u016fst za toto obdob\u00ed dosahoval zhruba 40 a\u017e 60 %. Rostli jsme nejrychleji na Slovensku a b\u011bhem t\u011bch \u010dty\u0159ech let se n\u00e1m poda\u0159ilo dostat mezi top 5 makl\u00e9\u0159\u016f a v retailu jsme top 4. Investora jsme hledali na to, abychom koncept FinGO, kter\u00fd je hodn\u011b digit\u00e1ln\u00ed, roz\u0161\u00ed\u0159ili do dal\u0161\u00edch zem\u00ed. Nejen do \u010cesk\u00e9 republiky, ale uva\u017eovali jsme o Ma\u010farsku, Polsku, Rumunsku a dal\u0161\u00edch zem\u00edch.<\/p>\n\n\n\n

Zahrani\u010dn\u00edho investora jsem do firmy nechal vstoupit, proto\u017ee jsem cht\u011bl, aby mi n\u011bkdo pomohl s kapit\u00e1lem na otev\u00edr\u00e1n\u00ed dal\u0161\u00edch zem\u00ed a abychom na to spole\u010dn\u011b byli dostate\u010dn\u011b siln\u00ed.<\/p>\n\n\n\n

V \u010cesk\u00e9 republice jste dva roky. Pro\u010d jste nevstoupili do dal\u0161\u00edch zem\u00ed?<\/strong><\/h4>\n\n\n\n

Ano, jsme tu druh\u00fdm rokem. Z nuly jsme se dostali na n\u011bjak\u00fdch 580 makl\u00e9\u0159\u016f. Ji\u017e prvn\u00ed rok byl nadm\u00edru \u00fasp\u011b\u0161n\u00fd.<\/p>\n\n\n\n

Pak se zm\u011bnila makroekonomick\u00e1 situace. T\u011bsn\u011b pot\u00e9, co jsme vstoupili na \u010desk\u00fd trh, vypukla hypote\u010dn\u00ed krize. Objem hypot\u00e9k v roce 2021 byl tot\u00e1ln\u011b rekordn\u00ed, v roce 2022 u nich naopak nastal v\u00fdrazn\u00fd propad.<\/p>\n\n\n\n

Jde to nav\u00edc celou Evropskou uni\u00ed, proto\u017ee se z\u00e1sadn\u011b zm\u011bnila cena pen\u011bz. Kdy\u017e jsme d\u011blali na\u0161e expanzn\u00ed pl\u00e1ny, byla evropsk\u00e1 referen\u010dn\u00ed sazba EURIBOR na -0,5 %, \u010desk\u00e1 sazba PRIBOR byla kolem 2 % a hypot\u00e9ky st\u00e1ly do 3 %. Na Slovensku st\u00e1ly hypot\u00e9ky i pouh\u00fdch 0,5 %.<\/p>\n\n\n\n

Ji\u017e m\u00e1me hodn\u011b siln\u00e9 poji\u0161t\u011bn\u00ed<\/a> a\u00a0hypot\u00e9ky<\/a>, ale na investice<\/a> se soust\u0159ed\u00edme a\u017e v\u00a0posledn\u00ed dob\u011b. A\u00a0kdy\u017e v\u00e1m jedna siln\u00e1 noha, v\u00a0na\u0161em p\u0159\u00edpad\u011b hypot\u00e9ky, zpomal\u00ed vlivem makroekonomick\u00e9 situace, tak to mus\u00edte br\u00e1t v\u00a0potaz. Za t\u011bchto okolnost\u00ed n\u00e1m ned\u00e1v\u00e1 smysl, ani z\u00a0porovn\u00e1n\u00ed s\u00a0cenou pen\u011bz a\u00a0potenci\u00e1lu, jak\u00fd by to FinGO mohlo p\u0159in\u00e9st, otev\u00edrat dal\u0161\u00ed zemi.<\/p>\n\n\n\n

Jak s t\u00edm souvis\u00ed odchod investora?<\/strong><\/h4>\n\n\n\n

Jednodu\u0161e. Enterprise Investors je investor, kter\u00fd je pasivn\u00ed. To znamen\u00e1, \u017ee vlo\u017e\u00ed do projektu pen\u00edze a o\u010dek\u00e1v\u00e1, \u017ee firma bude rapidn\u011b r\u016fst ka\u017ed\u00fd rok. Pokud se toto ned\u011bje, tak nem\u00e1 o\u010dek\u00e1van\u00fd case. A to se stalo i u n\u00e1s.<\/p>\n\n\n\n

Moje rozhodnut\u00ed odkoupit zp\u011bt pod\u00edl od Enterprise Investors nen\u00ed jedin\u00fd p\u0159\u00edpad zm\u011bny vlastnick\u00fdch pom\u011br\u016f v poradensk\u00fdch firm\u00e1ch. Ned\u00e1vno se to t\u00fdkalo Unilinku, kter\u00fd koupil spole\u010dnost INSIA. Cel\u00fd fond Enterprise Investors se rozhodl, \u017ee odv\u011btv\u00ed finan\u010dn\u00edho poradenstv\u00ed nen\u00ed aktu\u00e1ln\u011b v dynamick\u00e9m r\u016fstov\u00e9m trendu. Pot\u0159ebuj\u00ed sv\u00e9 pen\u00edze ot\u00e1\u010det a dosahovat n\u00e1sobn\u00fdch v\u00fdnos\u016f. A bez toho jim investice ned\u00e1v\u00e1 smysl.<\/p>\n\n\n\n

J\u00e1, jako\u017eto majoritn\u00ed akcion\u00e1\u0159, jsem vzhledem k\u00a0aktu\u00e1ln\u00ed situaci p\u0159esm\u011broval strategii vst\u0159\u00edc vy\u0161\u0161\u00ed komplexnosti, a\u00a0to v\u00a0r\u00e1mci na\u0161ich existuj\u00edc\u00edch spole\u010dnost\u00ed. M\u00edsto p\u0159em\u00fd\u0161len\u00ed o\u00a0expanzi do jin\u00fdch zem\u00ed chceme v\u00a0\u010cesku a\u00a0na Slovensku pos\u00edlit a\u00a0roz\u0161\u00ed\u0159it firmu. Kdy\u017e to nejde v\u00a0\u00fav\u011brech, tak jsme m\u00edsto toho vstoupili do nov\u00fdch projekt\u016f. Vytvo\u0159ili jsme realitn\u00ed divizi reCloud. D\u00e1le jsme nap\u0159\u00edklad vstoupili do firmy EneDom, kter\u00e1 dod\u00e1v\u00e1 na kl\u00ed\u010d fotovoltaick\u00e9 elektr\u00e1rny.<\/p>\n\n\n\n

Tam se uvolnilo m\u00edsto po Malin\u011b\u2026<\/strong><\/h4>\n\n\n\n

Rozhodnut\u00ed o vstupu do tohoto odv\u011btv\u00ed jsme nicm\u00e9n\u011b ud\u011blali je\u0161t\u011b p\u0159ed krachem Maliny. A \u0161li jsme do toho trochu jinak. V\u0161echno v na\u0161em ekosyst\u00e9mu tvo\u0159\u00edme tak, abychom vyu\u017e\u00edvali synergick\u00e9 efekty. Pro n\u00e1s nebylo d\u016fle\u017eit\u00e9 koupit dal\u0161\u00ed firmu, ale abychom na\u0161im makl\u00e9\u0159\u016fm nab\u00eddli dal\u0161\u00ed produkty, kter\u00e9 jsou v prv\u00e9 \u0159ad\u011b synergick\u00e9. Kdy\u017e se toti\u017e staraj\u00ed n\u011bkomu o bydlen\u00ed, tak fotovoltaika s t\u00edm samoz\u0159ejm\u011b \u00fazce souvis\u00ed. A z\u00e1rove\u0148, kdy\u017e n\u011bkomu pom\u00e1h\u00e1te s bydlen\u00edm, tak energie, dotace a v\u0161echny \u00faspory s t\u00edm spojen\u00e9 jsou z\u00e1sadn\u00ed.<\/p>\n\n\n\n

Fotovoltaika tak\u00e9 nen\u00ed jen o tom, \u017ee n\u011bkomu namontuji sol\u00e1rn\u00ed panel \u2013 mohu ji i profinancovat, mus\u00edm ji pojistit a podobn\u011b.<\/p>\n\n\n\n

Zp\u00e1tky k odchodu va\u0161eho investora. Kdy\u017e jste vstupovali do \u010cesk\u00e9 republiky, tak i zde jste zaznamenali exponenci\u00e1ln\u00ed r\u016fst. Dos\u00e1hl tedy v\u00e1\u0161 investor sv\u00fdch c\u00edl\u016f, \u010di nikoli? Bez ohledu na to, \u017ee jste pozastavili dal\u0161\u00ed expanzi.<\/strong><\/h4>\n\n\n\n

C\u00edl jsme m\u011bli na p\u011btilet\u00e9m horizontu, a toho jsme kv\u016fli zmi\u0148ovan\u00fdm vn\u011bj\u0161\u00edm okolnostem nedos\u00e1hli. Byly tam n\u011bjak\u00e9 miln\u00edky, kter\u00fdch se dos\u00e1hlo. Jedn\u00edm z nich byl vstup na \u010desk\u00fd trh, kde se poda\u0159il rychl\u00fd r\u016fst nad 500 poradc\u016f. N\u00e1sledoval miln\u00edk dos\u00e1hnout 800 v\u00e1zan\u00fdch z\u00e1stupc\u016f, a to se prozat\u00edm ned\u011bje. Je z toho vid\u011bt trend a zadrhnut\u00ed na trhu, kter\u00fd je realita pro v\u0161echny \u2013 nezn\u00e1m makl\u00e9\u0159e, kter\u00fd by nyn\u00ed vyrostl o 300 v\u00e1zan\u00fdch z\u00e1stupc\u016f.<\/p>\n\n\n\n

Nejv\u00edce rostlo OVB Allfinanz, kter\u00e9 rostlo p\u0159ibli\u017en\u011b o 50 a\u017e 60 poradc\u016f m\u011bs\u00ed\u010dn\u011b\u2026<\/strong><\/h4>\n\n\n\n

OVB je jin\u00fd koncept, ne\u017e je FinGO. My jsme postaveni na brokerpoolov\u00fdch principech, i kdy\u017e nejsme \u010dist\u00fd broker pool, proto\u017ee z\u00e1rove\u0148 nab\u00edz\u00edme na\u0161i zna\u010dku a vedle servisu i dal\u0161\u00ed p\u0159idanou hodnotu. Nebereme lidi z ulice. K n\u00e1m jdou prof\u00edci. Struktur\u00e1ln\u00ed spole\u010dnosti tedy nejsou na\u0161imi konkurenty.<\/p>\n\n\n\n

Cht\u011bli jste r\u016fst na 800 lid\u00ed v \u010cesku. Pl\u00e1n se v\u00e1m ve stanoven\u00e9m \u010dase nepoda\u0159ilo naplnit. Nicm\u00e9n\u011b d\u00e1l rostete a r\u016fst chcete. Jak chcete p\u0159esv\u011bd\u010dit poradce, aby p\u016fsobili pr\u00e1v\u011b pod va\u0161\u00ed a ne pod jinou firmou?<\/strong><\/h4>\n\n\n\n

Z\u00e1kladn\u00ed idea FinGO je jednoduch\u00e1: Krom\u011b toho, \u017ee si m\u016f\u017eete d\u011blat vlastn\u00ed byznys, tak FinGO um\u00ed byznys don\u00e9st a vy ho \u201ejen zprocesujete\u201c. Um\u00edme pomoci na\u0161im makl\u00e9\u0159\u016fm, kte\u0159\u00ed maj\u00ed dobrou kvalitu sv\u00e9 produkce a dobrou zp\u011btnou vazbu od klient\u016f, dodat dal\u0161\u00ed pr\u00e1ci. D\u0159\u00edve to bylo prim\u00e1rn\u011b na hypot\u00e9ky a roz\u0161\u00ed\u0159ili jsme to i na poji\u0161t\u011bn\u00ed a na investice. Makl\u00e9\u0159sk\u00fd byznys je jinak hodn\u011b o hled\u00e1n\u00ed nov\u00fdch klient\u016f, kter\u00e9 zabere \u010das.<\/p>\n\n\n\n

Jin\u00fdmi slovy dod\u00e1v\u00e1te leady\u2026<\/strong><\/h4>\n\n\n\n

Necht\u011bl bych \u0159\u00edkat, \u017ee dod\u00e1v\u00e1me leady, proto\u017ee to na trhu \u0159\u00edkaj\u00ed v\u0161ichni. A v\u0161ichni to n\u011bjak\u00fdm zp\u016fsobem d\u011blaj\u00ed. Kdy\u017e ale dva d\u011blaj\u00ed tot\u00e9\u017e, nen\u00ed to tot\u00e9\u017e. Intern\u011b tomu \u0159\u00edk\u00e1me oportunity. Klienti, kter\u00e9 poradc\u016fm dod\u00e1v\u00e1me, jsou ji\u017e v n\u011bjak\u00e9m st\u00e1diu rozpracov\u00e1n\u00ed. Z\u010d\u00e1sti se o to star\u00e1 na\u0161e callcentrum, ve kter\u00e9m pracuj\u00ed zku\u0161en\u00e9 specialistky s finan\u010dn\u00edm vzd\u011bl\u00e1n\u00edm. Dok\u00e1\u017e\u00ed klienta kvalifikovan\u011b prov\u011b\u0159it s p\u0159edstihem.<\/p>\n\n\n\n

N\u00e1sledn\u011b m\u00e1me sofistikovan\u00e9 \u0159e\u0161en\u00ed, za kter\u00fdm stoj\u00ed nejen jednoduch\u00e1 aplikace, ale i nejr\u016fzn\u011bj\u0161\u00ed algoritmy a kontroln\u00ed mechanismus, abychom byli schopni dosledovat, \u017ee s klienty bylo dob\u0159e pracov\u00e1no. Tohle cel\u00e9 dohromady je jedn\u00edm z hlavn\u00edch pil\u00ed\u0159\u016f na\u0161\u00ed diverzifikace proti ostatn\u00edm.<\/p>\n\n\n\n

Jak na \u010desk\u00e9m, tak na slovensk\u00e9m trhu v\u0161ichni velc\u00ed hr\u00e1\u010di d\u011blaj\u00ed kvalitn\u00ed servis. Odli\u0161ujeme se na tom, co nikdo jin\u00fd ned\u011bl\u00e1, a kdy\u017e to d\u011bl\u00e1, tak to d\u011bl\u00e1 z\u00e1sadn\u011b jinak pro klienta.<\/p>\n\n\n\n

Rozhodn\u011b to nap\u0159\u00edklad nen\u00ed o n\u011bjak\u00e9 lep\u0161\u00ed kalkula\u010dce. Dnes je na trhu n\u011bkolik B2B hr\u00e1\u010d\u016f, kte\u0159\u00ed sv\u00e9 \u0159e\u0161en\u00ed stejn\u011b pronaj\u00edmaj\u00ed cel\u00e9mu trhu, tak\u017ee diverzifikace je v tomto sm\u011bru slo\u017eit\u00e1. Na druhou stranu i my pou\u017e\u00edv\u00e1me vybran\u00e1 B2B \u0159e\u0161en\u00ed na n\u011bkter\u00e9 produkty, ale n\u00e1sledn\u011b si u\u017eivatelsk\u00e9 prost\u0159ed\u00ed upravujeme, aby pro klienta bylo p\u0159\u00edv\u011btiv\u00e9 podle na\u0161ich p\u0159edstav. I kdy\u017e budete m\u00edt dv\u011b stejn\u011b funguj\u00edc\u00ed kalkula\u010dky, tak se nebudou stejn\u011b tv\u00e1\u0159it pro klienta.<\/p>\n\n\n\n

Pro v\u00e1s osobn\u011b je zp\u011btn\u00fd odkup sp\u00ed\u0161e v\u00fdhrou, nebo vn\u00edm\u00e1te negativn\u011b, \u017ee jste p\u0159i\u0161el o investora?<\/strong><\/h4>\n\n\n\n

Nechci \u0159\u00edkat, \u017ee je to pro m\u011b v\u00fdhra, proto\u017ee si v\u00e1\u017e\u00edm spolupr\u00e1ce s Enterprise Investors. Ale v aktu\u00e1ln\u00ed situaci to bylo dobr\u00e9 a vz\u00e1jemn\u00e9 rozhodnut\u00ed pro ob\u011b strany. Ka\u017ed\u00fd investor a akcion\u00e1\u0159 m\u00e1 sv\u016fj z\u00e1jem. M\u016fj z\u00e1jem je dlouhodob\u00fd a makroekonomick\u00e9 v\u00fdkyvy jsou n\u011bco, s \u010d\u00edm se mus\u00ed po\u010d\u00edtat. Bohu\u017eel nastaly d\u0159\u00edve, ne\u017e p\u0159edpokl\u00e1dala na\u0161e p\u0159edchoz\u00ed predikce po\u010d\u00edtaj\u00edc\u00ed s t\u00edm, \u017ee to na dobr\u00e9 vln\u011b vydr\u017e\u00ed alespo\u0148 p\u011bt let.<\/p>\n\n\n\n

J\u00e1, jako akcion\u00e1\u0159, v\u011b\u0159\u00edm tomu, \u017ee mus\u00edme j\u00edt do \u0161\u00ed\u0159ky a nab\u00edzet komplexn\u011bj\u0161\u00ed slu\u017eby, kter\u00e9 jsem zmi\u0148oval, zat\u00edmco m\u016fj druh\u00fd spole\u010dn\u00edk se cht\u011bl soust\u0159edit pouze na segment financ\u00ed. N\u00e1\u0161 rozchod byl v tomto pragmatick\u00fdm \u0159e\u0161en\u00edm, kter\u00e9 bylo pro ob\u011b strany v\u00fdhodn\u00e9.<\/p>\n\n\n\n

Kdy\u017e investor prod\u00e1v\u00e1 pod\u00edl, chce ho prodat za nejvy\u0161\u0161\u00ed mo\u017enou nab\u00eddku. M\u011bl jste cenov\u00e9ho konkurenta, kter\u00fd by zva\u017eoval odkup pod\u00edlu od Enterprise Investors?<\/strong><\/h4>\n\n\n\n

M\u011bli jsme tak dob\u0159e a f\u00e9rov\u011b nastaven\u00e9 podm\u00ednky, \u017ee jsme si tuto v\u011bc \u0159e\u0161ili my jako akcion\u00e1\u0159i. Nebylo to o necht\u011bn\u00e9m prodeji nebo o prodeji za nev\u00fdhodn\u00fdch podm\u00ednek. A proto\u017ee jsme jednali ve shod\u011b a profesion\u00e1ln\u011b, k tomuto nebyl d\u016fvod. Alespo\u0148 j\u00e1 o tom nev\u00edm. A nem\u00e1m sebemen\u0161\u00ed pochyby o seri\u00f3znosti Enterprise Investors.<\/p>\n\n\n\n

Spole\u010dnost roz\u0161i\u0159ujete a chcete nab\u00edrat lidi. Kde chcete lidi z\u00edsk\u00e1vat?<\/strong><\/h4>\n\n\n\n

Na trhu.<\/p>\n\n\n\n

Z\u00edsk\u00e1v\u00e1me lidi tak, \u017ee nab\u00edz\u00edme seniorn\u00edm makl\u00e9\u0159\u016fm na\u0161i vizi. N\u00e1\u0161 typ firmy m\u016f\u017ee nab\u00edrat prim\u00e1rn\u011b tak, \u017ee p\u0159ij\u00edm\u00e1 lidi z jin\u00fdch s\u00edt\u00ed. Bu\u010f p\u0159ech\u00e1z\u00ed z jin\u00fdch makl\u00e9\u0159sk\u00fdch spole\u010dnost\u00ed, nebo z intern\u00edch s\u00edt\u00ed. A to jsou na\u0161e zdroje. My nevychov\u00e1v\u00e1me nov\u00e1\u010dky.<\/p>\n\n\n\n

Je spousta profesion\u00e1l\u016f na trhu, kte\u0159\u00ed nejsou u sv\u00e9 spole\u010dnosti spokojeni nebo hledaj\u00ed dal\u0161\u00ed aktivity a siln\u011bj\u0161\u00ed, profesion\u00e1ln\u00ed z\u00e1zem\u00ed. A to jim nab\u00edz\u00edme.<\/p>\n\n\n\n

Roz\u0161\u00ed\u0159ili jste se do realitn\u00edho byznysu, kde nab\u00edz\u00edte z\u00e1zem\u00ed pro realitn\u00ed makl\u00e9\u0159e reCloud.<\/strong><\/h4>\n\n\n\n

Nejsme realitn\u00ed kancel\u00e1\u0159. Slou\u017e\u00edme seniorn\u00edm realitn\u00edm makl\u00e9\u0159\u016fm, kte\u0159\u00ed maj\u00ed n\u011bco za sebou a kte\u0159\u00ed mohou dnes pracovat v n\u011bjak\u00e9 realitn\u00ed kancel\u00e1\u0159i. A pokud ta nenab\u00edz\u00ed dostate\u010dn\u00e9 z\u00e1zem\u00ed, tak jim nab\u00eddneme lep\u0161\u00ed podm\u00ednky nap\u0159. softwaru, inzerce za lep\u0161\u00edch podm\u00ednek, pr\u00e1vn\u00edho poradenstv\u00ed, zaji\u0161t\u011bn\u00ed pen\u011bz na v\u00fdkupy nemovitost\u00ed a rekonstrukce, home staging, home lifting. Takov\u00e9 z\u00e1zem\u00ed zabezpe\u010d\u00edme. Ale nejsme realitka. \u0158\u00edk\u00e1me tomu digital branch.<\/p>\n\n\n\n

V \u010cesku zn\u00e1m dva obdobn\u00e9 projekty, od kter\u00fdch se v\u0161ak li\u0161\u00edme propojen\u00edm se z\u00e1zem\u00edm FinGO, tedy s finan\u010dn\u00edmi produkty, a z\u00e1rove\u0148 se zm\u00edn\u011bnou firmou EneDom zab\u00fdvaj\u00edc\u00ed se obnovitelnou energi\u00ed. To, \u010demu v\u011b\u0159\u00edme, je pr\u00e1ce s klientem, ale nev\u011b\u0159\u00edme tomu, \u017ee bude jeden Luk\u00e1\u0161 Nov\u00e1k, kter\u00fd bude v\u00fdborn\u00fd finan\u010dn\u00ed expert na hypot\u00e9ku, \u017eivotko, z\u00e1rove\u0148 v\u00e1m prod\u00e1 byt a namontuje fotovoltaiku a je\u0161t\u011b v\u00e1m vy\u0159\u00edd\u00ed dotaci. Proto vytv\u00e1\u0159\u00edme ekosyst\u00e9m, do kter\u00e9ho bereme lidi, kte\u0159\u00ed spolu pak um\u00ed spolupracovat. Je to profesion\u00e1ln\u011b propojen\u00e9 a sledovan\u00e9, a d\u00edky tomu um\u00edme na\u0161im lidem i platit v\u00edc pen\u011bz.<\/p>\n\n\n\n

Vedle realit se tedy v\u011bnujete i fotovoltaice. Kam d\u00e1l se chcete roz\u0161\u00ed\u0159it?<\/strong><\/h4>\n\n\n\n

Nyn\u00ed jsme se roz\u0161\u00ed\u0159ili dost. A je pot\u0159eba to \u0161k\u00e1lovat. Nen\u00ed to o tom, \u017ee bychom cht\u011bli te\u010f n\u011bco dal\u0161\u00edho kupovat a za\u010dle\u0148ovat. Na\u0161e rozkro\u010den\u00ed n\u00e1m v tento moment pln\u011b vyhovuje.<\/p>\n\n\n\n

Na Slovensku n\u00e1m reCloud<\/a> b\u011b\u017e\u00ed t\u0159i, \u010dty\u0159i m\u011bs\u00edce, v\u00a0\u010cesku p\u0159ibli\u017en\u011b m\u011bs\u00edce dva. Dohromady nyn\u00ed\u00a0m\u00e1me\u00a0zapojen\u00fdch p\u0159es\u00a0100 makl\u00e9\u0159\u016f.\u00a0Na\u0161im c\u00edlem je m\u00edt stovky lid\u00ed.<\/p>\n\n\n\n

Ve finan\u010dn\u00ed v\u011btvi FinGO bychom do konce roku m\u011bli m\u00edt 600 makl\u00e9\u0159\u016f a p\u0159\u00ed\u0161t\u00ed rok chceme r\u016fst v \u0159\u00e1du jednotek stovek.<\/p>\n\n\n\n

Ve fotovoltaick\u00e9 spole\u010dnosti EneDom m\u00e1me jen pod\u00edl, d\u00edky kter\u00e9mu jsme ji mohli za\u0159adit do na\u0161eho uzav\u0159en\u00e9ho ekosyst\u00e9mu.<\/p>\n\n\n\n

Ani nev\u00edm, co dal\u0161\u00edho bychom pro te\u010f mohli d\u011blat. Mysl\u00edm si, \u017ee na\u0161e komplexnost ve prosp\u011bch makl\u00e9\u0159\u016f je nyn\u00ed zcela jedine\u010dn\u00e1.<\/p>\n\n\n\n

Zdroj: poradci-sobe.cz<\/a><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

P\u0159ed dv\u011bma lety Luk\u00e1\u0161 Nov\u00e1k prodal minoritn\u00ed pod\u00edl ve spole\u010dnosti FinGO finan\u010dn\u00edm investor\u016fm. Nyn\u00ed ho kupuje zp\u011bt. Pro\u010d? A jak\u00e9 m\u00e1 dal\u0161\u00ed pl\u00e1ny? P\u0159e\u010dt\u011bte si rozhovor, kter\u00fd s Luk\u00e1\u0161em Nov\u00e1kem vy\u0161el na webu poradci-sobe.cz. P\u0159ed \u010dasem jste prodal 40 % spole\u010dnosti FinGO finan\u010dn\u00edmu investorovi. Nyn\u00ed ho kupujete zp\u011bt. Co vedlo k odchodu investora? Byl to v\u00fdsledek na\u0161ich spole\u010dn\u00fdch debat. Jsou to p\u0159ibli\u017en\u011b dva roky, kdy do\u0161lo ke vstupu investora \u2013 v ten sam\u00fd \u010das jsme vstupovali na \u010desk\u00fd trh. Tou dobou jsme byli t\u00e9m\u011b\u0159 \u010dty\u0159i roky na Slovensku a n\u00e1\u0161 meziro\u010dn\u00ed r\u016fst za toto obdob\u00ed dosahoval zhruba 40 a\u017e 60 %. Rostli jsme nejrychleji na Slovensku a b\u011bhem t\u011bch \u010dty\u0159ech let se n\u00e1m poda\u0159ilo dostat mezi top 5 makl\u00e9\u0159\u016f a v retailu jsme top 4. Investora jsme hledali na to, abychom koncept FinGO, kter\u00fd je hodn\u011b digit\u00e1ln\u00ed, roz\u0161\u00ed\u0159ili do dal\u0161\u00edch zem\u00ed. Nejen do \u010cesk\u00e9 republiky, ale uva\u017eovali jsme o Ma\u010farsku, Polsku, Rumunsku a dal\u0161\u00edch zem\u00edch. Zahrani\u010dn\u00edho investora jsem do firmy nechal vstoupit, proto\u017ee jsem cht\u011bl, aby mi n\u011bkdo pomohl s kapit\u00e1lem na otev\u00edr\u00e1n\u00ed dal\u0161\u00edch zem\u00ed a abychom na to spole\u010dn\u011b byli dostate\u010dn\u011b siln\u00ed. V \u010cesk\u00e9 republice jste dva roky. Pro\u010d jste nevstoupili do dal\u0161\u00edch zem\u00ed? Ano, jsme tu druh\u00fdm rokem. Z nuly jsme se dostali na n\u011bjak\u00fdch 580 makl\u00e9\u0159\u016f. Ji\u017e prvn\u00ed rok byl nadm\u00edru \u00fasp\u011b\u0161n\u00fd. Pak se zm\u011bnila makroekonomick\u00e1 situace. […]<\/p>\n","protected":false},"author":19,"featured_media":1899,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[68,110,111],"class_list":["post-1898","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-napsali-o-nas","tag-fingo","tag-lukas-novak","tag-recloud"],"yoast_head":"\nLuk\u00e1\u0161 Nov\u00e1k: Strategii FinGO jsem zam\u011b\u0159il na komplexnost - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"P\u0159ed dv\u011bma lety Luk\u00e1\u0161 Nov\u00e1k prodal minoritn\u00ed pod\u00edl FinGO finan\u010dn\u00edm investor\u016fm. Te\u010f ho kupuje zp\u011bt. Pro\u010d? 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