FIRO DIALYSIS CENTRE

BUSINESS PROPOSAL

FIRO SOLUTIONS
 FIRO SOLUTIONS

Table of Contents

INTRODUCTION ................................................................................................................................ 4
THE ORGANIZATION .......................................................................................................................... 5
COMPANY ORGANIZATION ............................................................................................................ 5
FIRO DIALYSIS CENTRE ORGANIZATION .......................................................................................... 5
FIRO DIALYSIS OPERATIONAL ......................................................................................................... 6
FINANCIAL ......................................................................................................................................... 8
PROJECT COSTING ......................................................................................................................... 8
SALES/ REVENUE ......................................................................................................................... 10
COST-SALES PROJECTION ............................................................................................................. 11
RETURN OF INVESTMENT ............................................................................................................ 17

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 FIRO SOLUTIONS

COMPANY PROFILE

Registered Name FIRO SOLUTIONS

Company No 002629002-X

Date of Incorporation 8 Mac 2017

Registered Office No.17, Jalan 9/23E, Taman Danau Kota, Setapak, 53300 Kuala
Lumpur

Tel: +603-
Fax: +603-
Web:

Authorized Share Capital RM

Paid-up Share Capital RM

Director Mohd Firdaus bin Hadi (CEO)

Muhammad Hareez bin Sazaly (COO)

Company Secretary

Principal Bankers

Nature of Business Medical & Healthcare

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 FIRO SOLUTIONS

INTRODUCTION

Firo Dialysis Centre establishment is mainly to incorporate the demand of hemo-dialysis needs from
respective patients. Firo Dialysis Centre targeting location is in Kuala Lumpur city centre; KL Sentral,
along Jalan Tun Razak and Jalan Tunku Abdul Rahman. The reason of which to provide feasible and
reachable solution towards hemo-dialysis patient whose works in such area. The aim is to reduce
human resource dispute towards employees with the need for hemo-dialysis session. Most hemo-
dialysis patients would need to undergo 3 days session per week and each session consumed up to 4
hours. Its Firo Dialysis Centre obligation to provide luxury, working executive friendly environment;
complete with office necessities (wifi, printer, photocopies machine) with attending assistant to aid
them during their dialysis session while still could perform their office tasks.

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 FIRO SOLUTIONS

THE ORGANIZATION

COMPANY ORGANIZATION
FIRO SOLUTIONS

COMPANY DIRECTORS

Mohd Firdaus b. Hadi Muhammad Hareez b. Sazaly

Chief Executive Officer Chief Operating Officer

FIRO DIALYSIS CENTRE ORGANIZATION

MEDICAL OFFICER

NEPHROLOGIST

MANAGER STAFF NURSE JANITOR

ASSISTANT 1

ASSISTANT 2

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 FIRO SOLUTIONS

Organizational Discipline and Responsibles

POSITION TASKS
MEDICAL OFFICER 1) To lead the centre and oversee the
medical staff and matters.
2) To consult and perform medical
procedure on patient, and provide
medical report of patient.
3) To liaise with Nephrologist for further
hemo-dialysis conduct.
4) To provide or conduct possible training
onto medical staffs.
NEPHROLOGIST 1) To consult MEDICAL OFFICER on
procedure and medical related to hemo-
dialysis.
2) To assist dialysis centre in providing
better service.
STAFF NURSE 1) To conduct hemo-dialysis procedure
onto patient upon MEDICAL OFFICER’S
consulation.
2) To provide relevant report related to
patient’s medical conditions.
3) To assist and consult MANAGER on
inventory.
MANAGER 1) To conduct Human Resource,
Administration, Finance and Inventory
tasks related to the dialysis centre.
2) To conduct marketing activities related
to dialysis centre.
3) To liaise with relevant financing
institution related to dialysis patient.
ASSISTANT 1) To assist STAFF NURSE and MEDICAL
OFFICER in medical aspect.
2) To assist MANAGER in inventory
management.
3) To assist in-patient in every aspect
related to hemo-dialysis.

FIRO DIALYSIS OPERATIONAL

LOCATION

Suggested locations are based on density of office buildings available without compromising the
existence of medical facility or hospital. Such medical facility should be taken into account as part of
hemo-dialysis patient could be relegated from such facility. Hospitals are also essential as part of
security if any emergency emerged from any casualty related to patients.

1. KL Sentral: Nearest hospitals – PPUM, Pantai Hospital Bangsar, CVS (opening soon)
2. Jalan Tun Razak: Nearest hospitals – Pusrawi, IJN, HKL, Tawakkal, Prince Court, Damai
Specialist

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 FIRO SOLUTIONS

3. Jalan Tunku Abdul Rahman: Nearest hospitals – Hospital Pakar Al Islam (Kg Baru), HKL, Tung
Shin Hospital

OPENING HOURS

Firo Dialysis Centre will be opened 6 days in a week. Operation starts at 8.00 am and closed at 8.00
pm. Firo Dialysis Centre offers 3 session per day and each session estimated up to 3 – 4 hours per
session.

MEDICAL EQUIPMENT & CONSUMABLES

FURNITURE
TYPE QUANTITY (UNIT)
Computer 2
Printer 1
Telephone 1
Chair (waiting) 20
Table (waiting) 3
Chair (Patient) 6
Table (Patient) 6
Chair (Medical Officer) 1
Table (Medical Officer) 1
Cabinet (multicompartment)-High 3
Cabinet (multicompartment)-Small 3
Stationery
Fridge 2
Cash register 1
White board/ Notice board 1
MEDICAL EQUIPMENT
TYPE QUANTITY (UNIT)
Dialysis Machine 6
RO water generator 1
RO water dispenser 1
BP set 1
Dressing set 1
I&D set 1
Surgical set (minor) 1
Patient bed 2
Set diatermi 1
ECG 1
Glove
Face mask
Wheel chair 1
Injection syringe
Needle
Needle (stitch)
Sterile machine 1

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 FIRO SOLUTIONS

CONSUMABLES
1) Medicine (tablet/pil/syrup/syringe/cream)
2) Infusion liquid (normal saline/glucose)
3) Antibacterial liquid (alcohol spirit/eusol/hibitane)

FINANCIAL

PROJECT COSTING

There are 2 types of costing proposed; buy-off hemo-dialysis machine and leasing of hemo-dialysis
machine. Each costing incorporated with 6 month projection overhead cost. Salaries costing is
tabulated as below. Such cost is relevant for both approaches.
STAFF SALARIES
FULL TIME
ITEMS POSITIONS ESTIMATED AMOUNT (RM) EPF (13%) QTY TOTAL(RM)
1 DOCTOR 3,000.00 390.00 1 3,390.00
2 NEFROLOGIST 2,000.00 260.00 1 2,260.00
3 STAFF NURSE (POST BASIC) 3,300.00 429.00 1 3,729.00
4 ASSISTANT DIALYSIS 1,000.00 130.00 2 2,260.00
5 JANITOR 900.00 117.00 1 1,017.00
6 MANAGER 4,000.00 520.00 1 4,520.00
17,176.00

BUY-OFF MACHINE APPROACH

START-UP COST
NO ITEM QTY PRICE/UNIT TOTAL PRICE
1 RENOVATION (1 UNIT SHOPLOT- GF & 1ST) 1 150,000.00 150,000.00
2 DIALYSIS MACHINES* 6 22,000.00 132,000.00
3 RO WATER TREATMENT MACHINE** 1 60,000.00 60,000.00
4 RO REPROCESSOR (NEW) 1 40,000.00 40,000.00
5 CLINICAL EQUIPMENT 1 30,000.00 30,000.00
6 DISPOSABLE ITEMS (1 YEAR) 1 30,000.00 30,000.00
7 LAYOUT PLAN CHARGE 1 500.00 500.00
8 ADMINISTRATION & MISCELLANEOUS 1 24,000.00 24,000.00
9 MOH 1 5,000.00 5,000.00
10 CLINICAL WASTE REGISTRATION 1 700.00 700.00
11 MARKETING 1 50,000.00 50,000.00
ADVANCE RENTAL COST 6 10,000.00 60,000.00
TOTAL STARTUP COST= 582,200.00

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 FIRO SOLUTIONS

EXPENDITURE COST
1 RENTAL COST 6 10,000.00 60,000.00
2 STAFF SALARIES 6 17,176.00 103,056.00
3 UTILITIES (TNB/WATER/INTERNET) 6 3,000.00 18,000.00
3 MONTHLY EXPENDITURE 6 3,000.00 18,000.00
4 CLINICAL WASTE MANAGEMENT 6 400.00 2,400.00
TOTAL EXPENDITURE COST= 201,456.00
TOTAL PROJECT COST
1 START-UP COST 582,200.00
2 EXPENDITURE COST 201,456.00
783,656.00

LEASE MACHINE APPROACH

START-UP COST
NO ITEM QTY PRICE/UNIT TOTAL PRICE
1 RENOVATION (1 UNIT SHOPLOT- GF & 1ST) 1 150,000.00 150,000.00
2 DIALYSIS MACHINES* 6 22,000.00 22,000.00
3 RO WATER TREATMENT MACHINE** 1
10,000.00 10,000.00
4 RO REPROCESSOR (NEW) 1
5 CLINICAL EQUIPMENT 1 30,000.00 30,000.00
6 DISPOSABLE ITEMS (1 YEAR) 1 30,000.00 30,000.00
7 LAYOUT PLAN CHARGE 1 500.00 500.00
8 ADMINISTRATION & MISCELLANEOUS 1 24,000.00 24,000.00
9 MOH 1 5,000.00 5,000.00
10 CLINICAL WASTE REGISTRATION 1 700.00 700.00
11 MARKETING 1 50,000.00 50,000.00
12 ADVANCE RENTAL COST 6 10,000.00 60,000.00
TOTAL STARTUP COST= 382,200.00

EXPENDITURE COST
1 RENTAL COST 12 10,000.00 120,000.00
2 STAFF SALARIES 6 17,176.00 103,056.00
3 UTILITIES (TNB/WATER/INTERNET) 6 3,000.00 18,000.00
3 MONTHLY EXPENDITURE 6 3,000.00 18,000.00
4 CLINICAL WASTE MANAGEMENT 6 400.00 2,400.00
5 LOAN 1 INSTALLMENT 6 2,750.00 16,500.00
6 LOAN 2 INSTALLMENT 6 2,116.67 12,700.02
TOTAL EXPENDITURE COST= 290,656.02

TOTAL PROJECT COST

1 START-UP COST 382,200.00
2 EXPENDITURE COST 290,656.02
672,856.02

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 FIRO SOLUTIONS

SALES/ REVENUE

SALES PROJECTION (IDEAL - 1 YEAR)

TOTAL
DAY/M CHARGE/SESSI
NO SESSION/DAY CHARGE/M
ONTH ON (RM)
ONTH (RM)
1 15 24 200.00 72,000.00
Ideal projection, full
SALES PROJECTION/YEAR= 864,000.00 swing session,
3 session/ day
MARGIN= 864,000.00 - 404,360.04
= 459,639.96
= 114 %

In a worst case scenario, in which a slow progression of patient, for instance 25% progression every
month, a sales projection is tabulated as below. It shows at month 9th, possibility of getting a full
swing patient numbers for each beds/ session.
SALES PROJECTION (25%/MONTH PROGRESSION)
TOTAL
SESSIO CHARGE/SE
MONTH NO DAY/MONTH CHARGE/M
N/DAY SSION (RM)
ONTH (RM)
1 3 24 200.00 14,400.00
2 4 24 200.00 18,000.00
3 5 24 200.00 22,500.00
4 6 24 200.00 28,125.00 25% progression starts
5 7 24 200.00 35,156.25 with 3 session/ day in
month 9th
6 9 24 200.00 43,945.31
7 11 24 200.00 54,931.64
8 14 24 200.00 68,664.55
9 15 24 200.00 72,000.00

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 FIRO SOLUTIONS

COST-SALES PROJECTION
BUY-OFF MACHINE APPROACH
CASHFLOW PROJECTION (YEAR 1) (25% PROGRESSION) MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH
START-UP 1 2 3 4 5 6 7 8 9 10 11 12
PAID-UP CAPITAL
CASH 783,656.00 261,456.00 251,456.00 241,456.00 231,456.00 221,456.00 211,456.00 201,456.00 182,280.00 166,704.00 155,628.00 150,177.00 151,757.25

(MINUS)
START-UP COST 522,200.00

(MINUS)
ADMINISTRATION COST
SALARIES 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00
PREMISE RENTAL 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00
UTILITIES 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00
CLINICAL WASTE MANAGEMENT 400.00 400.00 400.00 400.00 400.00 400.00
MONTHLY EXPENDITURE 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00
10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 33,576.00 33,576.00 33,576.00 33,576.00 33,576.00 33,576.00
(PLUS)
MONTHLY SALES 14,400.00 18,000.00 22,500.00 28,125.00 35,156.25 43,945.31
TOTAL SALES (GROSS PROFIT) 0.00 0.00 0.00 0.00 0.00 0.00 14,400.00 18,000.00 22,500.00 28,125.00 35,156.25 43,945.31 TOTAL NET
PROFIT/YEAR
NET PROFIT -10,000.00 -10,000.00 -10,000.00 -10,000.00 -10,000.00 -10,000.00 -19,176.00 -15,576.00 -11,076.00 -5,451.00 1,580.25 10,369.31 -99,329.44
(CASH IN HAND) -20,000.00 -30,000.00 -40,000.00 -50,000.00 -60,000.00 -79,176.00 -94,752.00 -105,828.00 -111,279.00 -109,698.75 -99,329.44

CASHFLOW PROJECTION (YEAR 2) (25% PROGRESSION) MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH
START-UP 13 14 15 16 17 18 19 20 21 22 23 24
PAID-UP CAPITAL
CASH 151,757.25 151,757.25 173,112.89 208,201.44 246,625.44 285,049.44 323,473.44 361,897.44 400,321.44 438,745.44 477,169.44 515,593.44 554,017.44

(MINUS)
ADMINISTRATION COST
SALARIES 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00
PREMISE RENTAL 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00
UTILITIES 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00
CLINICAL WASTE MANAGEMENT 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00
MONTHLY EXPENDITURE 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00
33,576.00 33,576.00 33,576.00 33,576.00 33,576.00 33,576.00 33,576.00 33,576.00 33,576.00 33,576.00 33,576.00 33,576.00
(PLUS)
MONTHLY SALES 54,931.64 68,664.55 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00
TOTAL SALES (GROSS PROFIT) 54,931.64 68,664.55 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 TOTAL NET
PROFIT/YEAR
NET PROFIT 21,355.64 35,088.55 38,424.00 38,424.00 38,424.00 38,424.00 38,424.00 38,424.00 38,424.00 38,424.00 38,424.00 38,424.00 440,684.19
TOTAL NET PROFIT -77,973.80 -42,885.25 -4,461.25 33,962.75 72,386.75 110,810.75 149,234.75 187,658.75 226,082.75 264,506.75 302,930.75 341,354.75 341,354.75

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 FIRO SOLUTIONS

CASHFLOW PROJECTION (YEAR 3) (25% PROGRESSION) MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH
START-UP 25 26 27 28 29 30 31 32 33 34 35 36
PAID-UP CAPITAL
CASH 554,017.44 554,017.44 485,818.44 523,383.64 560,948.84 598,514.04 636,079.24 673,644.44 711,209.64 748,774.84 786,340.04 823,905.24 861,470.44

(MINUS)
ADMINISTRATION COST
SALARIES 18,034.80 18,034.80 18,034.80 18,034.80 18,034.80 18,034.80 18,034.80 18,034.80 18,034.80 18,034.80 18,034.80 18,034.80
PREMISE RENTAL 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00
UTILITIES 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00
CLINICAL WASTE MANAGEMENT 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00
MONTHLY EXPENDITURE 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00
INVESTMENT BONUS/DIVIDEN 105,764.21
140,199.01 34,434.80 34,434.80 34,434.80 34,434.80 34,434.80 34,434.80 34,434.80 34,434.80 34,434.80 34,434.80 34,434.80
(PLUS)
MONTHLY SALES 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00
TOTAL SALES (GROSS PROFIT) 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 TOTAL NET
PROFIT/YEAR
NET PROFIT -68,199.01 37,565.20 37,565.20 37,565.20 37,565.20 37,565.20 37,565.20 37,565.20 37,565.20 37,565.20 37,565.20 37,565.20 345,018.19

TOTAL NET PROFIT 273,155.75 310,720.95 348,286.15 385,851.35 423,416.55 460,981.75 498,546.95 536,112.15 573,677.35 611,242.55 648,807.75 686,372.95 686,372.95

CASHFLOW PROJECTION (YEAR 4) (25% PROGRESSION) MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH
START-UP 37 38 39 40 41 42 43 44 45 46 47 48
PAID-UP CAPITAL
CASH 861,470.44 861,470.44 725,624.80 763,190.00 800,755.20 838,320.40 875,885.60 913,450.80 951,016.00 988,581.20 1,026,146.40 1,063,711.60 1,101,276.80

(MINUS)
ADMINISTRATION COST
SALARIES 18,936.54 18,034.80 18,034.80 18,034.80 18,034.80 18,034.80 18,034.80 18,034.80 18,034.80 18,034.80 18,034.80 18,034.80
PREMISE RENTAL 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00
UTILITIES 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00
CLINICAL WASTE MANAGEMENT 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00
MONTHLY EXPENDITURE 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00
INVESTMENT BONUS/DIVIDEN 172,509.10
207,845.64 34,434.80 34,434.80 34,434.80 34,434.80 34,434.80 34,434.80 34,434.80 34,434.80 34,434.80 34,434.80 34,434.80
(PLUS)
MONTHLY SALES 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00
TOTAL SALES (GROSS PROFIT) 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 TOTAL NET
PROFIT/YEAR
NET PROFIT -135,845.64 37,565.20 37,565.20 37,565.20 37,565.20 37,565.20 37,565.20 37,565.20 37,565.20 37,565.20 37,565.20 37,565.20 277,371.56

TOTAL NET PROFIT 550,527.31 588,092.51 625,657.71 663,222.91 700,788.11 738,353.31 775,918.51 813,483.71 851,048.91 888,614.11 926,179.31 963,744.51 963,744.51

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CASHFLOW PROJECTION (YEAR 5) (25% PROGRESSION) MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH
START-UP 49 50 51 52 53 54 55 56 57 58 59 60
PAID-UP CAPITAL
CASH 1,101,276.80 1,101,276.80 1,136,993.43 1,173,656.89 1,210,320.35 1,246,983.81 1,283,647.27 1,320,310.73 1,356,974.19 1,393,637.65 1,430,301.11 1,466,964.57 1,503,628.03

(MINUS)
ADMINISTRATION COST
SALARIES 19,883.37 18,936.54 18,936.54 18,936.54 18,936.54 18,936.54 18,936.54 18,936.54 18,936.54 18,936.54 18,936.54 18,936.54
PREMISE RENTAL 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00
UTILITIES 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00
CLINICAL WASTE MANAGEMENT 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00
MONTHLY EXPENDITURE 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00
INVESTMENT BONUS/DIVIDEN 138,685.78
36,283.37 35,336.54 35,336.54 35,336.54 35,336.54 35,336.54 35,336.54 35,336.54 35,336.54 35,336.54 35,336.54 35,336.54
(PLUS)
MONTHLY SALES 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00
TOTAL SALES (GROSS PROFIT) 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 TOTAL NET
PROFIT/YEAR
NET PROFIT 35,716.63 36,663.46 36,663.46 36,663.46 36,663.46 36,663.46 36,663.46 36,663.46 36,663.46 36,663.46 36,663.46 36,663.46 439,014.69

TOTAL NET PROFIT 999,461.14 1,036,124.60 1,072,788.06 1,109,451.52 1,146,114.98 1,182,778.44 1,219,441.90 1,256,105.36 1,292,768.82 1,329,432.28 1,366,095.74 1,402,759.20 1,402,759.20

CASHFLOW PROJECTION (YEAR 6) (25% PROGRESSION) MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH TOTAL NET
START-UP 61 62 63 64 65 66 67 68 69 70 71 72 PROFIT/YEAR
PAID-UP CAPITAL
CASH 1,503,628.03 1,503,628.03 1,538,350.50 1,574,067.13 1,609,783.76 1,645,500.40 1,681,217.03 1,716,933.66 1,752,650.29 1,788,366.93 1,824,083.56 1,859,800.19 1,895,516.83

(MINUS)
ADMINISTRATION COST
SALARIES 20,877.54 19,883.37 19,883.37 19,883.37 19,883.37 19,883.37 19,883.37 19,883.37 19,883.37 19,883.37 19,883.37 19,883.37
PREMISE RENTAL 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00
UTILITIES 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00
CLINICAL WASTE MANAGEMENT 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00
MONTHLY EXPENDITURE 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00
37,277.54 36,283.37 36,283.37 36,283.37 36,283.37 36,283.37 36,283.37 36,283.37 36,283.37 36,283.37 36,283.37 36,283.37
(PLUS)
MONTHLY SALES 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00
TOTAL SALES (GROSS PROFIT) 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00

NET PROFIT 34,722.46 35,716.63 35,716.63 35,716.63 35,716.63 35,716.63 35,716.63 35,716.63 35,716.63 35,716.63 35,716.63 35,716.63 427,605.43

TOTAL NET PROFIT 1,437,481.67 1,473,198.30 1,508,914.93 1,544,631.57 1,580,348.20 1,616,064.83 1,651,781.47 1,687,498.10 1,723,214.73 1,758,931.37 1,794,648.00 1,830,364.63 1,830,364.63

13
 FIRO SOLUTIONS

LEASE MACHINE APPROACH

CASHFLOW PROJECTION (YEAR 1) (25% PROGRESSION) MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH
START-UP 1 2 3 4 5 6 7 8 9 10 11 12
PAID-UP CAPITAL
CASH 672,856.02 290,656.02 280,656.02 270,656.02 260,656.02 250,656.02 240,656.02 230,656.02 206,613.35 186,170.68 170,228.01 159,910.34 156,623.92
(MINUS)
START-UP COST 382,200.00

(MINUS)
ADMINISTRATION COST
SALARIES 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00
PREMISE RENTAL 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00
UTILITIES 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00
CLINICAL WASTE MANAGEMENT 400.00 400.00 400.00 400.00 400.00 400.00
MONTHLY EXPENDITURE 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00
LOAN 1 INSTALLMENT 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00
LOAN 2 INSTALLMENT 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67
10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67
(PLUS)
MONTHLY SALES 0.00 0.00 0.00 0.00 0.00 0.00 14,400.00 18,000.00 22,500.00 28,125.00 35,156.25 43,945.31
TOTAL SALES (GROSS PROFIT) 0.00 0.00 0.00 0.00 0.00 0.00 14,400.00 18,000.00 22,500.00 28,125.00 35,156.25 43,945.31 TOTAL NET
PROFIT/YEAR
NET PROFIT -10,000.00 -10,000.00 -10,000.00 -10,000.00 -10,000.00 -10,000.00 -24,042.67 -20,442.67 -15,942.67 -10,317.67 -3,286.42 5,502.64 -128,529.46
(CASH IN HAND) -20,000.00 -30,000.00 -40,000.00 -50,000.00 -60,000.00 -84,042.67 -104,485.34 -120,428.01 -130,745.68 -134,032.10 -128,529.46

CASHFLOW PROJECTION (YEAR 2) (25% PROGRESSION) MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH
START-UP 13 14 15 16 17 18 19 20 21 22 23 24
PAID-UP CAPITAL
CASH 156,623.92 156,623.92 173,112.89 203,334.77 236,892.10 270,449.43 304,006.76 337,564.09 371,121.42 404,678.75 438,236.08 471,793.41 505,350.74

(MINUS)
ADMINISTRATION COST
SALARIES 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00
PREMISE RENTAL 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00
UTILITIES 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00
CLINICAL WASTE MANAGEMENT 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00
MONTHLY EXPENDITURE 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00
LOAN 1 INSTALLMENT 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00
LOAN 2 INSTALLMENT 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67
38,442.67 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67
(PLUS)
MONTHLY SALES 54,931.64 68,664.55 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00
TOTAL SALES (GROSS PROFIT) 54,931.64 68,664.55 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 TOTAL NET
PROFIT/YEAR
NET PROFIT 16,488.97 30,221.88 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 382,284.15
TOTAL NET PROFIT -112,040.49 -81,818.61 -48,261.28 -14,703.95 18,853.38 52,410.71 85,968.04 119,525.37 153,082.70 186,640.03 220,197.36 253,754.69 253,754.69

14
 FIRO SOLUTIONS

CASHFLOW PROJECTION (YEAR 3) (25% PROGRESSION) MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH
START-UP 25 26 27 28 29 30 31 32 33 34 35 36
PAID-UP CAPITAL
CASH 505,350.74 505,350.74 447,159.88 480,717.21 514,274.54 547,831.87 581,389.20 614,946.53 648,503.86 682,061.19 715,618.52 749,175.85 782,733.18

(MINUS)
ADMINISTRATION COST
SALARIES 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00
PREMISE RENTAL 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00
UTILITIES 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00
CLINICAL WASTE MANAGEMENT 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00
MONTHLY EXPENDITURE 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00
LOAN 1 INSTALLMENT 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00
LOAN 2 INSTALLMENT 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67
INVESTMENT BONUS/DIVIDEN 91,748.20
130,190.87 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67
(PLUS)
MONTHLY SALES 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00
TOTAL SALES (GROSS PROFIT) 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 TOTAL NET
PROFIT/YEAR
NET PROFIT -58,190.87 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 310,939.76
TOTAL NET PROFIT 195,563.83 229,121.16 262,678.49 296,235.82 329,793.15 363,350.48 396,907.81 430,465.14 464,022.47 497,579.80 531,137.13 564,694.46 564,694.46

CASHFLOW PROJECTION (YEAR 4) (25% PROGRESSION) MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH
START-UP 37 38 39 40 41 42 43 44 45 46 47 48
PAID-UP CAPITAL
CASH 782,733.18 782,733.18 648,041.21 681,598.54 715,155.87 748,713.20 782,270.53 815,827.86 849,385.19 882,942.52 916,499.85 950,057.18 983,614.51

(MINUS)
ADMINISTRATION COST
SALARIES 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00
PREMISE RENTAL 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00
UTILITIES 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00
CLINICAL WASTE MANAGEMENT 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00
MONTHLY EXPENDITURE 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00
LOAN 1 INSTALLMENT 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00
LOAN 2 INSTALLMENT 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67
INVESTMENT BONUS/DIVIDEN 168,249.29
206,691.96 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67
(PLUS)
MONTHLY SALES 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00
TOTAL SALES (GROSS PROFIT) 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 TOTAL NET
PROFIT/YEAR
NET PROFIT -134,691.96 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 234,438.67
TOTAL NET PROFIT 430,002.49 463,559.82 497,117.15 530,674.48 564,231.81 597,789.14 631,346.47 664,903.80 698,461.13 732,018.46 765,575.79 799,133.12 799,133.12

15
 FIRO SOLUTIONS

CASHFLOW PROJECTION (YEAR 5) (25% PROGRESSION) MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH
START-UP 49 50 51 52 53 54 55 56 57 58 59 60
PAID-UP CAPITAL
CASH 983,614.51 983,614.51 899,952.51 933,509.84 967,067.17 1,000,624.50 1,034,181.83 1,067,739.16 1,101,296.49 1,134,853.82 1,168,411.15 1,201,968.48 1,235,525.81

(MINUS)
ADMINISTRATION COST
SALARIES 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00
PREMISE RENTAL 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00
UTILITIES 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00
CLINICAL WASTE MANAGEMENT 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00
MONTHLY EXPENDITURE 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00
LOAN 1 INSTALLMENT 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00 2,750.00
LOAN 2 INSTALLMENT 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67 2,116.67
INVESTMENT BONUS/DIVIDEN 117,219.33
155,662.00 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67 38,442.67
(PLUS)
MONTHLY SALES 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00
TOTAL SALES (GROSS PROFIT) 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 TOTAL NET
PROFIT/YEAR
NET PROFIT -83,662.00 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 33,557.33 285,468.63
TOTAL NET PROFIT 715,471.12 749,028.45 782,585.78 816,143.11 849,700.44 883,257.77 916,815.10 950,372.43 983,929.76 1,017,487.09 1,051,044.42 1,084,601.75 1,084,601.75

CASHFLOW PROJECTION (YEAR 6) (25% PROGRESSION) MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH TOTAL NET
START-UP 61 62 63 64 65 66 67 68 69 70 71 72 PROFIT/YEAR
PAID-UP CAPITAL
CASH 1,235,525.81 1,235,525.81 1,273,949.81 1,312,373.81 1,350,797.81 1,389,221.81 1,427,645.81 1,466,069.81 1,504,493.81 1,542,917.81 1,581,341.81 1,619,765.81 1,658,189.81

(MINUS)
ADMINISTRATION COST
SALARIES 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00 17,176.00
PREMISE RENTAL 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00
UTILITIES 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00
CLINICAL WASTE MANAGEMENT 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00
MONTHLY EXPENDITURE 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00
33,576.00 33,576.00 33,576.00 33,576.00 33,576.00 33,576.00 33,576.00 33,576.00 33,576.00 33,576.00 33,576.00 33,576.00
(PLUS)
MONTHLY SALES 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00
TOTAL SALES (GROSS PROFIT) 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00

NET PROFIT 38,424.00 38,424.00 38,424.00 38,424.00 38,424.00 38,424.00 38,424.00 38,424.00 38,424.00 38,424.00 38,424.00 38,424.00 461,088.00
TOTAL NET PROFIT 1,123,025.75 1,161,449.75 1,199,873.75 1,238,297.75 1,276,721.75 1,315,145.75 1,353,569.75 1,391,993.75 1,430,417.75 1,468,841.75 1,507,265.75 1,545,689.75 1,545,689.75

16
 FIRO SOLUTIONS

RETURN OF INVESTMENT
Return of investment for both approaches/ proposals are achievable at 3rd year of business. The
simulation is based on no shareholder dividen/ bonus given on the first two years of business.

SHAREHOLDER DIVIDEN/ BONUS

BUY-OFF MACHINE APPROACH

DIVIDEN (50% FROM TOTAL NET PROFIT YEAR END)
% AMOUNT (RM) YA 2 20% YA 3 DIVIDEN YA 4 DIVIDEN YA 5 DIVIDEN
SHARE 1 25 195,914.00 35,254.74 43,127.27 34,671.45 54,876.84 113,053.45 58%
SHARE 2 26 203,750.56 440,684.19 35,254.74 345,018.19 44,852.37 277,371.56 36,058.30 439,014.69 57,071.91 116,165.40 57%
SHARE 3 49 383,991.44 35,254.74 84,529.46 67,956.03 107,558.60 187,740.23 49%
783,656.00 105,764.21 172,509.10 138,685.78 219,507.35

LEASE MACHINE APPROACH

DIVIDEN (50% FROM TOTAL NET PROFIT YEAR END)
% AMOUNT (RM) YA 2 20% YA 3 DIVIDEN YA 4 DIVIDEN YA 5 DIVIDEN
SHARE 1 25 168,214.01 30,582.73 38,867.47 29,304.83 35,683.58 98,755.04 59%
SHARE 2 26 174,942.57 382,284.15 30,582.73 310,939.76 44,852.37 234,438.67 30,477.03 285,468.63 37,110.92 105,912.12 61%
SHARE 3 49 329,699.45 30,582.73 84,529.46 57,437.47 69,939.81 172,549.66 52%
672,856.02 91,748.20 168,249.29 117,219.33 142,734.31

Bonus of 20% from total net profit at year end-2 will be disburse to each shareholder at first month of
business year 3. Dividend of profit will be disbursed based on 50% of total net profit for each end year
starting year end-3. Remaining of total net profit will be bring to next business year for cash flow. Up
to end of year 5, each of shareholder would acquire dividend up to 60% of their investment value.

17