Fiduciaire | SB Financial Consulting Sàrl | Neuchâtel

What SB Financial Consulting Is

SB Financial Consulting Sàrl is an independent accounting and tax fiduciary based in Neuchâtel, founded in 2020 by Sandra Beleza, a specialist with more than 25 years of experience in accounting and taxation. The firm emerged from Beleza's earlier work in regional fiduciary firms and SMEs across French-speaking Switzerland, a background reflected in her stated aim to "combine the rigour of figures with a genuine understanding of human and strategic needs of each business." The firm works with clients across the French-speaking regions of Switzerland, offering accounting, tax planning, and financial management for individuals, sole proprietors, companies, and property owners. SB Financial Consulting positions itself as a "demanding fiduciary" operating at human scale rather than a large practitioner, built on three core principles: precision, reliability, and confidentiality.

Arriving in Switzerland: What It Does for New Residents

For someone newly arrived in Switzerland, the firm addresses two arrival-specific needs. First, if you are establishing a company or registering as self-employed, SB Financial Consulting handles the full lifecycle: company creation (legal structure selection between RI, Sàrl, and SA), registration, general accounting, payroll management, and annual closures. This scope matters because establishing a business in Switzerland involves multiple decisions and regulatory steps; having one advisor who understands both the structural choice (sole proprietor, limited liability, etc.) and the tax implications of each avoids fragmented counsel.

Second, if you are navigating Swiss taxation as a new resident or expatriate, the firm offers tax declarations, fiscal regularisations, patrimonial advice, and administrative guidance. "Regularisations" (régularisations) implies handling cases where past years' filings were incomplete or require adjustment, which is common for newly arrived people who did not immediately set up proper bookkeeping. The firm explicitly mentions accompanying expatriates and residents in tax matters, framing this as a core part of its practice, and describes a consultative style that combines numerical precision with attention to a client's actual business rhythm and priorities.

What the Firm Offers: Services and Languages

SB Financial Consulting organises its work into four service areas. Under company management (Gestion Entreprises), it handles company creation, general accounting, VAT, salary management, annual closures, and corporate taxation, addressing the full breadth of what an established or growing business must track. Under self-employed management (Gestion Indépendants), it offers bookkeeping, tax support, and administrative simplification including social security guidance, reflecting the reality that self-employed people in Switzerland must comply with both cantonal and federal requirements while managing their own records. Under personal management (Gestion Privés), the firm provides tax declarations, regularisations, patrimonial and administrative advice, extending beyond annual filing to help with wealth management and regulatory navigation. Under property management (Gestion Immobiliers), it covers property tax, rental management, and coordination with estate agents and tenants, serving landlords and property owners facing the distinct complexity of property ownership in Switzerland.

The firm operates from its office at Rue du Seyon 10 in Neuchâtel, with an explicitly stated service area covering all of French-speaking Switzerland (Suisse romande). This geographic scope means you do not need to be physically based in Neuchâtel to engage the firm; it serves clients across the region. It is available Monday to Thursday 09:00 to 12:00 and 14:00 to 17:00, and Friday 09:00 to 12:00, by appointment only. The appointment-only model suggests a deliberate choice to reserve time for concentrated client work rather than walk-in availability. The site does not state what languages it serves beyond the implicit French context, which matters if you are arriving from an English-speaking country or prefer to conduct business in English.

Sandra Beleza is named as the founder and principal, embodying the "human scale" promise. The site does not publish the total staff size or the names of other team members, leaving unclear whether your file will be handled by Beleza herself or by other accountants in the practice. No third-party accreditations are mentioned; the firm does not reference membership in professional bodies, industry standards, or quality certifications, relying instead on Beleza's personal reputation and track record.

What the Site Does Not Settle

The firm's site publishes no fixed pricing. It emphasises personalised service and custom pricing adapted to each client's structure and needs, but does not list standard rates, hourly fees, or minimum charges for any service category. For someone deciding whether an initial consultation makes sense, this is a gap: you cannot shop costs before calling or understand whether the firm's pricing model matches your budget constraints. The site says interviews are by appointment only and contact must go through a form; it does not publish phone hours or a direct phone line for an initial enquiry, which means reaching the firm requires an asynchronous step (form submission, waiting for response) rather than immediate phone availability.

The depth of multilingual support is not specified. The firm is based in a French-speaking canton and addresses its French-speaking catchment, but the site does not state whether it serves clients in English, Italian, or German. If you are an English-speaking expatriate, this ambiguity requires clarification before engagement. Similarly, the site does not state how long typical engagements take, whether the firm works project-by-project (handle one tax return) or on ongoing retainer, or whether there are minimum time commitments or client sizes the firm prefers.

Who It Suits and Who It Does Not

This firm suits a new resident or expatriate establishing a business or managing complex tax affairs in French-speaking Switzerland. It explicitly positions itself as serving this profile and commits to personalised consultation at "human scale." The small, independent structure and emphasis on understanding client priorities appeals to someone who values one-on-one attention over a large practitioner and is willing to pay for that continuity. If you are handling property ownership, running a company, or navigating expatriate tax obligations alongside each other, the breadth of the firm's service areas (covering business, self-employed, personal, and property management) means you could consolidate these under one advisor, reducing the fragmentation of dealing with multiple practitioners.

The appointment-only model also suits someone who can plan ahead and prefers to schedule calls rather than interrupt busy professionals with walk-in enquiries; it reflects a deliberate boundary between client time and administrative overhead.

It may not suit someone wanting to shop prices before calling: the firm's model is to discuss and understand your situation before quoting, which requires a preliminary conversation. It may also not suit someone needing rapid turnaround or operating under severe time pressure: the site emphasises precision and rigour as its starting point rather than speed, and the appointment-only availability means scheduling a consultation may take days. And if you speak no French, you will need to clarify language support before approaching; the site does not state what languages the firm serves, and assuming French-only availability would be a reasonable default. Finally, if you prefer to work with named individuals and know in advance who will handle your file, this firm's lack of published team details means you will not know whether your work goes to Beleza herself or to another team member until after engaging.