Financial Restructuring
& Concordat
We manage the restructuring process for companies under financial pressure, addressing legal, financial, and operational dimensions together.
Concordat is not merely legal protection — it is rebuilding.
For companies facing financial difficulties, concordat is not a temporary relief from debt — it is a multidimensional tool for restructuring the business into a sustainable form. Financial analysis and creditor management are as critical to this process as the legal procedures.
Cebeci Finans manages the concordat process by combining legal, financial, and operational perspectives. Our goal is not to help the company "get through" the process — but to ensure it emerges genuinely stronger.
Early engagement provides more options and greater control over the process.
Sub-Services
Financial Analysis & Structuring
Balancing cash flow, establishing a sustainable financial position, and restructuring the capital base.
The company's current financial statements are deeply analysed to assess liquidity gaps, debt load, and cost structure. Short-term actions to stabilise cash flow are identified, and a sustainable medium-to-long-term financial framework is established.
Concordat Process Management
Coordinated and comprehensive management of the entire legal process from concordat application to finalisation.
From the preparation of the preliminary concordat project through to the court process, coordination with the concordat commissioner, and the creditors' meeting — the entire legal process is managed. Legal requirements are met in full at every stage while the company's operational continuity is maintained.
Creditor–Debtor Structuring Strategy
Strategic process management to establish a negotiation basis with creditors and structure payment plans.
We provide support on analysing creditor groups, determining negotiation priorities and strategy, preparing payment plan proposals, and managing creditors' meetings. We develop solutions that balance all parties' interests and are appropriate for court approval.
Situations where this service applies
- account_balance Cash flow is struggling seriously to meet payment obligations
- handshake Relationships with creditors have reached a critical point
- corporate_fare Restructuring discussions with banks or financial institutions have begun or are imminent
- hub You are looking for multidisciplinary support to manage the concordat process correctly
- eco You want the company to emerge from the process with a genuinely sustainable structure
- schedule You want to evaluate early intervention options before the financial difficulties intensify
We manage all three dimensions together.
Financial Diagnosis
Cash position, debt structure, and creditor profile are analysed.
Strategy Design
A legal, financial, and operational roadmap is built together.
Process Management
Legal steps, creditor negotiations, and financial actions are executed in coordination.
Monitoring & Support
Post-process sustainability of the new structure is tracked.
Let's assess your situation together.
The first meeting is confidential. We will analyse your current position and present your options.