financial services

The investment markets shape the global economy, yet fewer people understand how they work, which investments are genuinely worthwhile and which trends have real staying power. Today, only someone with decades of experience and a keen eye for emerging opportunities can confidently navigate the maze of futures, derivatives, swaps, short and long positions, ETFs, spreads and the tokenisation of assets. Martin Petrov is one of those people.

Mariela Ilieva studied Mathematics and Informatics at Sofia University, holding a Bachelor's degree in Business Management from the University of Ruse, and a Master's degree in Accounting and Control at the University of National and World Economy (UNWE). Since 2004, her professional path has been entirely devoted to accounting, and in 2010 she founded Saldo.Bg.

Mirchev Accounting Ltd is a family-run accounting firm founded on the belief that behind every business are people, dreams and responsibilities. That is why its team turns accounting into a long-term partnership, becoming trusted advisers whom clients can always rely on when making important business decisions. Maria Mircheva, managing partner, tells us more.

You work with dozens of companies. What have you learned about people and business that you would never discover from their financial statements alone?

Your business deserves financial architecture of the highest calibre. With EURO FINANCE 2007 Ltd, security meets vision.

The art of corporate stability

Finance Audit is a company that delivers exactly that – services that turn business success into a secure and sustainable endeavour.

Established nearly 10 years ago by a team of highly qualified professionals, the company specialises in providing audit and accounting services.

They also know how to communicate with clients, understand every detail and identify the most appropriate solution for each individual case. This philosophy lies at the heart of ANVIA accountancy firm.

Tanya Staneva is a certified public accountant and managing partner at Staneva CPA. She has over 15 years of experience in financial audit, strategic financial consulting and building systems for internal control and risk management.

Which leadership trait helps you the most in creating a company that provides top-quality accounting and auditing services?

In a world defined by turbulent change, Gichka Arnaoudova is dedicated to helping businesses to turn instability into progress. As the Head of Bancassurance and Key Partners at Allianz Bulgaria, she has in-depth knowledge of the worlds of business and insurance, and knows how to combine strategic foresight with operational discipline, enabling clients to thrive.

Democratization of access to financial products and credit cards is the core mission of MFG, a dynamic fintech and insurtech ecosystem. By promoting financial inclusion while using a sustainable business mindset and advanced technologies, the group steadily but rapidly carved a place in the markets across Europe, while nurturing ambitions for expansion outside the continent.

As traditional forms of saving and investment gradually lose the trust of customers due to inflation and liquidity concerns, the rapidly evolving fintech sector is ushering in a new era of smart investment. P2P lending is a crucial part of this shift. Venelin Todorov, cofounder, business development and product owner of Virr and Cashlend, is bringing it to Bulgaria.

Why is P2P lending a good alternative to traditional investment methods?

History and the world are changing before our eyes, and more and more of us are realising that traditional investment tools such as real estate and gold are far from exhausting the possibilities for reasonable, profitable investments. There are no limits for those who dare to leave their comfort zone and enter the world of modern investments. Kristin Cohen – founder and chief executive director of Thracian Invest and the first woman sole shareholder in a management company in Bulgaria – explains more.

Hundreds of thousands of Bulgarians live and work in the UK. Some have been there for decades, while others are looking to settle even after Brexit. The life of each of them is a series of challenges and administrative issues to solve, such as paying taxes and insurance, retirement, starting a company, reuniting with family members who are still in Bulgaria, and immigration status. Vladisara Consult is a company that is not only prepared to offer professional help with all these – and many other – administrative and legal matters.

LetKnow Pay is a reliable partner to any venture and enterprise that wants to stay ahead of the curve. The EU-regulated crypto payment service allows smooth integration and reliable transfers of currencies, defined by robust technical support and excellent customer service.

Aneta Hristova has done it. Almost 20 years ago she founded ATP Konsult. In the time that has passed since then, she has built a respectable and modern accounting practice that offers high-quality tailored solutions to small and mid-size companies. Accounting, taxes, payroll, finance – in all these fields ATP Konsult strives to offer comprehensive solutions and services that help both established businesses and startups make the most of the market and their output. Aneta Hristova shares more.

Ability to turn even the most complex tasks into clear, achievable goals. Openness to the world and a constant search for new challenges and directions for growth. A genuine concern for society. These are some of the defining traits of today's most inspiring business leaders - and they can all be found in the personality and vision of Kiril Zhelev.

After joining the MFG team in 2021, Dilyana Landzheva had worked on key projects vital to the group's development – such as securing its insurance licence. In early 2025, she became Deputy CEO of Instinct Insurance.

Blockchain technologies and cryptocurrencies are no longer a novelty. They often make the news – sometimes for their astonishing market performance, and sometimes for their spectacular price drops. However, when we zoom out from day-to-day fluctuations and focus on the bigger trends, we quickly realize that blockchain and crypto are not just here to stay – they are the future of markets, economies, and ultimately, our lives.

Spare funds, desire for a stable investment and... hesitation about the wisest way to proceed – many people today face this dilemma. The Bulgarian crowdfunding platform Afranga is the answer. It offers companies an innovative way to raise capital and people with spare funds the chance to invest in high-potential ventures bypassing intermediaries or hidden clauses. Its founder, Svetlin Sabev, explains how.

What exactly is Afranga?

Company directors who use external accounting services often do not distinguish between accounting and financial management. In reality, they need both.

Accounting and financial management are closely related, yet serve different functions.

From large corporations to small enterprises, Italian businesses form a significant part of the Bulgarian economy. For the past two decades, many of them have relied on Alias Group for timely, professional, and competent support. The consultancy was founded by a true business leader: Francesco Frattini – a man who not only has the vision and knowledge of what a business should do (and avoid) to succeed in Bulgaria, but who is also a passionate art lover. He has launched a side career as a film director and producer, and is now exploring further opportunities in the local market.