People Behind Your Financial Safety Net

We're a small group based in Varna who've spent years helping Bulgarian businesses prepare for the unexpected. No fancy corporate talk—just practical advice from people who've seen what works.

Why We Do This Work

Back in 2018, one of our early clients—a family bakery in Sofia—nearly closed after their main oven broke down mid-season. They had no reserve fund. That experience stuck with us.

We started ConnectedSmartEnergy because we kept seeing the same pattern: hardworking business owners blindsided by costs they could've prepared for. The equipment failure, the supplier who vanishes, the seasonal dip that lasts two months longer than expected.

Our approach isn't about complex financial products. It's about sitting down with you, looking at your actual numbers, and building a buffer that matches your reality. We work mostly with small to mid-sized operations across Bulgaria—the kinds of businesses that don't have a finance department but still need solid planning.

Team discussion about budget planning strategies

Who You'll Actually Work With

Rumen Petkov

Lead Financial Advisor

Rumen spent twelve years in corporate banking before deciding he'd rather help local businesses than large corporations. He has this way of explaining budget scenarios that actually makes sense—no jargon, just clear examples. When he's not working, you'll find him restoring old Trabants.

Elena Dimitrova

Risk Planning Specialist

Elena came from the insurance sector and brings a practical eye for what can go wrong. She's the one who'll ask about your supplier contracts and seasonal patterns—questions that feel nosy until you realize they're protecting your business. Outside work, she volunteers teaching financial basics to young entrepreneurs.

How We Actually Help

Real Number Analysis

We look at your past three years—revenue patterns, expense spikes, seasonal shifts. Then we map out what buffer would've saved you during your worst quarter. Simple math, but it changes everything.

Industry Context

A restaurant needs different reserves than a consulting firm. We've worked with enough Bulgarian businesses to know what risks are specific to your sector and your region.

Quarterly Check-ins

Your business changes, so your plan should too. We meet every three months to adjust your contingency strategy. These aren't long meetings—usually under an hour, often over coffee.

Business planning session with documents and coffee

A Recent Example

Last autumn, we worked with a logistics company in Plovdiv. Their main concern was fuel price volatility. We built a six-month buffer specifically for that risk.

When diesel prices jumped 23% in February 2025, they had enough reserve to maintain their routes without cutting staff or raising prices immediately. It gave them breathing room to renegotiate contracts properly instead of making desperate decisions.

That's what good contingency planning does—it buys you time to think clearly when things get messy.

We're based at ul. Voden 17 in central Varna. Drop by for a conversation, or reach us at +359 63 160 798. We usually have coffee brewing.