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Plano orçamental para a dívida financeira da Contiberica -Transportes, SA
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O presente trabalho de projeto tem como objetivo a elaboração de um plano orçamental da dívida financeira da Contiberica - Transportes, SA, que permita melhorar a capacidade de planeamento e decisão no âmbito dos compromissos financeiros da empresa. Inserida no setor dos transportes rodoviários de contentores, a Contiberica enfrenta desafios decorrentes de elevados custos operacionais, dependência de financiamento e exigências crescentes de sustentabilidade no setor em que atua. Neste contexto, o planeamento orçamental financeiro assume um papel essencial para garantir o equilíbrio entre investimento, endividamento e liquidez, bem como um sistema de efetivo controlo.
O projeto consistiu na criação de um modelo financeiro que detalha as responsabilidades associadas a empréstimos bancários e contratos de leasing, permitindo identificar o impacto das amortizações, juros e encargos sobre a estrutura de capitais. Através deste plano, foi possível classificar e quantificar as dívidas financeiras, elaborar projeções orçamentais com base nos fluxos de pagamento e identificar períodos críticos de maior pressão sobre a tesouraria.
A metodologia aplicada incluiu a recolha e análise de dados financeiros da empresa e a construção de um modelo em folha de cálculo para projetar os valores das amortizações, juros, impostos e outros encargos mensais, identificando o momento em que se vence cada responsabilidade contratual. Esta ferramenta possibilitou uma visão temporal clara dos compromissos financeiros da empresa, facilitando o planeamento do serviço da dívida e o controlo em diferentes prazos.
O projeto foi aprovado pela Gerência e já está implementado na Contiberica.
The purpose of this project is to develop a budgetary plan for the financial debt of Contiberica - Transportes, SA, aimed at improving the company’s capacity for planning and decision-making regarding its financial commitments. Operating in the road container transport sector, Contiberica faces challenges arising from high operating costs, dependence on financing, and increasing sustainability requirements in its industry. In this context, financial budget planning plays a key role in ensuring a balance between investment, indebtedness, and liquidity, as well as in establishing an effective control system. The project consisted of creating a financial model detailing the liabilities associated with bank loans and leasing contracts, allowing the identification of the impact of amortizations, interest, and charges on the capital structure. Through this plan, it was possible to classify and quantify the financial debts, prepare budget projections based on payment flows, and identify critical periods of greater pressure on cash flow. The applied methodology included the collection and analysis of the company’s financial data and the construction of a spreadsheet model to project the values of amortizations, interest, taxes, and other monthly charges, identifying the maturity date of each contractual liability. This tool provided a clear temporal view of the company’s financial commitments, facilitating debt service planning and control over different time horizons. The project was approved by Management and has already been implemented at Contiberica.
The purpose of this project is to develop a budgetary plan for the financial debt of Contiberica - Transportes, SA, aimed at improving the company’s capacity for planning and decision-making regarding its financial commitments. Operating in the road container transport sector, Contiberica faces challenges arising from high operating costs, dependence on financing, and increasing sustainability requirements in its industry. In this context, financial budget planning plays a key role in ensuring a balance between investment, indebtedness, and liquidity, as well as in establishing an effective control system. The project consisted of creating a financial model detailing the liabilities associated with bank loans and leasing contracts, allowing the identification of the impact of amortizations, interest, and charges on the capital structure. Through this plan, it was possible to classify and quantify the financial debts, prepare budget projections based on payment flows, and identify critical periods of greater pressure on cash flow. The applied methodology included the collection and analysis of the company’s financial data and the construction of a spreadsheet model to project the values of amortizations, interest, taxes, and other monthly charges, identifying the maturity date of each contractual liability. This tool provided a clear temporal view of the company’s financial commitments, facilitating debt service planning and control over different time horizons. The project was approved by Management and has already been implemented at Contiberica.
Descrição
Palavras-chave
Orçamento financeiro Dívida financeira Sustentabilidade financeira Monitorização e controlo Financial Budget Financial Debt Financial Sustainability Monotoring and Control
Contexto Educativo
Citação
Editora
Licença CC
Sem licença CC