Fishmonger business plan template

Avoid mistakes with our fishmonger business plan template and online financial forecasting software. You can also download as PDF or Word.

Discover our fishmonger business plan template

Our fishmonger business plan template gives you the structure to write a professional plan

Not accustomed to writing business plans? Our fishmonger business template will turn a typically challenging process into a total breeze.

Modelled on a complete business plan of a fishmonger in France, our template features both the financial forecast and the written part that presents the project, its team, the local market and the business strategy implemented by the management.

Cast your eyes on this template to achieve a better understanding of what your bank and investors would like to see, so that you can create a business plan that meets their expectations.

fishmonger businesss plan template
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How to use this fishmonger business plan template

Edit the fishmonger business plan template online, or download it

There are 3 ways to use this template:

  • Edit it online: you can adapt this template to your business idea by changing the text or the financial forecast directly in our business planning software
  • Download in PDF: if you're just after a little inspiration, you can download the fishmonger business plan template in PDF to read over it
  • Download in Word format: want to edit your plan on Word? Simply export the fishmonger business plan template to Ms Word (.docx) format
online editor for fishmonger business plan template

Fishmonger business plan template content

This template includes a complete fishmonger business plan example, with a financial forecast and the following sections:

  1. Executive summary: the executive summary gives the reader a clear and concise overview of your business idea
  2. Company: this section lays out the structure of your business, including its location, management team and legal form
  3. Products and services: here, you'll give an overview of the fresh fish, shellfish and crustaceans sold by your fishmonger
  4. Market analysis: the market analysis is where you’ll demonstrate that there is a strong demand for your products and services through a thorough assessment of the industry (customer profile, hot trends, regulation, competition, etc.)
  5. Strategy: this section highlights the company's game plan when it comes to pricing, marketing and mitigating risks along the way
  6. Operations: this step lays out the company's operational organisation, including the recruitment plan
  7. Financial plan: the financial plan includes a table of sources & uses (initial funding plan), and complete financial statements (P&L, balance sheet and cash flow statements).
  8. Appendices: this part provides the opportunity to include multiple financial appendices generated by our software (debt maturity profile, monthly financial statements, financial analysis, etc.).
cover page and table of contents for the fishmonger business plan template by The Business Plan Shop
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Executive summary of the fishmonger's business plan

The executive summary gives the reader a clear and concise overview of your business idea.

Our fishmonger business plan example's executive summary is formed of the following subsections:

  1. Business overview: in this subsection, we outline who the fishmonger founders are, what legal form they've chosen for the business, and the rationale behind the choice of their location
  2. Market overview: in this subsection, we summarize the conclusions of the market analysis performed by the fishmonger's owners and explain who they might target (our fishmonger business plan template targets residents living in the city centre and the outskirts of the city)
  3. Financial highlights: in this subsection, we give an overview of the forecasted financial performance of the fishmonger over the first 3 years of operation
  4. Our ask: in this subsection, we outline the amount of financing required to start the fishmonger and how it's going to be funded (the founders are seeking a bank loan to start their fishmonger)
executive summary for fishmonger business plan sample

Company overview included in our fishmonger business plan sample

This section lays out the structure of your business, including its location, management team and legal form.

Our fishmonger business plan template's company section is formed of the following subsections:

  1. Structure & Ownership: in this subsection, we outline who the fishmonger shareholders are, what legal form they've chosen for the business
  2. Location: in this subsection, we present the area surrounding the location chosen for the business and the layout and main features of the premises
  3. Management Team: in this subsection, we give an overview of the background of each of the fishmonger's founders and explain how they met and why they decided to start a company together
company overview included in fishmonger business plan template
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Products and services offered by the fishmonger

The products and services section is where you will present the different types of produce as well as services offered by your fishmonger.

In our fishmonger business plan template products and services section, we cover:

  • Fresh fish: A diverse selection of seasonal, fresh French-origin fish, such as sole, cod, salmon, and more.
  • Shellfish and crustaceans: a selection of seasonal shellfish and crustaceans including langoustines, spider crab, whelks etc.
  • Refrigerated prepared dishes: a weekly offering of three dishes to take away such as cod brandade, fish à la bordelaise, bouillabaisse etc.
  • Additional services: a range of free services including orders by phone, vacuum-packed food on demand and cutting and scaling on demand
  • Local products: a range of local products such as preserves from ecological fishing, sauces or rillettes brought from a producer
product and services description of the fishmonger business plan example

Market analysis for the opening of the fishmonger

The market analysis is where you’ll demonstrate that there is a strong demand for your products and services through a thorough assessment of the industry (customer profile, hot trends, regulation, competition, etc.)

Our fishmonger business plan example's market analysis section is formed of the following subsections:

  1. Demographics and Segmentation: in this subsection, we explore the market in depth. We look at the supply and demand sides both at the national and local level, analyse the hot trends perceived by the founders, and the key statistics that will help the founders build their positioning
  2. Target market: in this subsection, our founders explain who they view as their ideal customers (our fishmonger business plan template targets residents living in the city centre and the outskirts of the city) and why they chose to target them
  3. Competition: in this subsection, we take a look at the direct (nearby fishmongers offering the same produce and services) and indirect (markets, the fish market and supermarkets) local competition to ensure we have a differentiated positioning and that the market is large enough to accommodate the arrival of a new fishmonger
  4. Regulation: in this subsection, we give an overview of the main regulation applicable to our fishmonger
market analysis section of the fishmonger business plan template
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Setting the strategy for our fishmonger

This section highlights the company's game plan when it comes to pricing, marketing and mitigating risks along the way.

Our fishmonger business plan template strategy section is formed of the following subsections:

  1. Pricing: in this subsection, we explain how we set the prices of our main categories of products (fresh fish, shellfish, crustaceans and refrigerated prepared dishes) as well as available services (phone orders, vacuum-packed food, cutting and scaling on demand) and the rationale behind our choice
  2. Marketing plan: in this subsection, we explain what action we'll put in place to build awareness and loyalty among our fish shop customers
  3. Milestones: in this subsection, we give an overview of the main goals we set for ourselves for the next 3 years
  4. Risks and Mittigants: in this subsection, we perform an assessment of the medium and long-term risks that could jeopardize the financial viability of our fishmonger and outline how we intend to mitigate them
fishmonger business plan example: stragtegy section

Operations section of the fishmonger business plan template

This part lays out the company's operational organisation, including the recruitment plan.

Our fishmonger business plan example's operations section is formed of the following subsections:

  1. Personnel plan: in this subsection, we explain what our opening hours will be and explain the responsabilities of each of our fishmonger staff member
  2. Key assets and IP: in this subsection, we list the assets and intellectual property rights which are critical to our business operations and explain how we will secure and protect each of these
  3. Suppliers: in this subsection, we give an overview of the main suppliers we will use our what commercial terms have been negotiated with them
fishmonger business plan template: operations section
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Financial plan included in our fishmonger business plan template

This section presents the expected financial performance of the fishmonger over the next 3 years.

Our fishmonger business plan example's financial plan is formed of the following subsections:

  1. Start-up funding: in this subsection, we list the cost of each item required to launch the fishmonger
  2. Important assumptions: in this subsection, we explain the methodology and the main assumptions used to build the fishmonger's financial forecast
  3. Sales forecast: in this subsection, we detail the expected revenues and growth rate for our fishmonger in the coming years
  4. Cost structure: in this subsection, we list all the expenses required for our fishmonger to operate smoothly
  5. Projected Profit & Loss statement: in this subsection, we analyse our forecasted P&L and comment on the expected profitability of our fishmonger over the next 3 years
  6. Projected cash flow statement: in this subsection, we analyse the expected cash generation of the fishmonger
  7. Projected balance sheet: in this section we give an analysis of the liquidity and solvability implied from our balance sheet
fishmonger business plan forecasted P&L

Appendices of the fishmonger business plan template

This part provides the opportunity to include multiple financial appendices generated by our software (debt maturity profile, monthly financial statements, financial analysis, etc.).

Our fishmonger business plan template's appendices include:

  1. A Maturity profile chart showing the principal repayments of their loans over the next 3 years
  2. A monthly cash flow forecast: showing how much cash is being generated or consumed each month over the first 3 years of operations
fishmonger business plan template: monthly cash flow forecast

Fishmonger business plan template sample

Executive Summary

Business Overview

The Little Fishmonger will be a fish shop located in the city of Caen. We will specialize in seafood and fish with an emphasis on French products. 

Our customers will be able to purchase fresh produce, in addition to dishes produced by our team.

We believe that our extensive knowledge in both fishing and the origin of our products will help deliver quality service and proximity. We aim to listen to the needs of our customers and react accordingly.

Despite there already being a large number of local shops in the area, our arrival will further improve the attractivity of the street for residents due to being closer to more amenities. 

By offering a variety of fresh fish and seafood, alongside food offered by the existing restaurants and shops in downtown Caen, The Little Fishmonger will be able to adequately meet local demand for fresh produce, which is currently high.

We plan to set up a limited liability company with total share capital of €5,000. The business will be managed by Maxime C. and Valentine D.

Maxime C. has 10 years of experience working in wholesale (buying from fishermen and re-selling to fishmongers), whilst Valentine D. has worked for multiple fishmongers in the past, as a shop assistant.

The two partners met through their professional experience 5 years ago, and have remained friends ever since. 

Market Overview

Domestic Market

Retail trade in France

Key figures

The French government estimated that there were 517,400 retail companies in 2016 with a combined turnover of €441 billion.

The retail sector included:

  • Food stores (groceries, butcher shops, fishmongers, etc)
  • Household stores (home decoration, hardware etc)
  • Personal stores (perfume stores, clothing stores, body care stores, etc)
  • Other store types (any other type of business that did not fit into these categories)

Food stores headlined the retail market in 2016, employing the most number of workers.

Food retailing

According to the same report, 114,000 retail businesses specialised in food in 2018 - in other words, 24.8% of the retail sector.

There were 10,271 new companies formed in 2018 and the sector employed a total of 705,000 people - most of them in Île-de-France and Provence-Alpes-Côte d'Azur.

The food industry generated €208.6 billion in sales or 49.9% of the retail sector.

The majority of shops where under 400m2, employed 2 people, and generated an average turnover of around €454,000 per year.

In 2019, The Observatory of Small Business estimated that food shops recorded a total increase in turnover of 2.4%.

Local Market

According to the INSEE (National Institute of Statistical and Economic Studies), Caen was home to 105,403 individuals in 2016. The city also had 57,524 households.

The city centre of Caen is very dynamic - there is a wide variety in the type of businesses that operate in the area.

According to Tendance Ouest, there were several innovative independent businesses such as microbreweries and cheesemongers in Caen in 2016.

With no less than 10 fishmongers in the city of Caen, the market is well established.

People living in the city centre tend to have above average income and can afford to buy premium fish directly from fishmongers.

Normandy has a prolific fishing industry - as a result of being located on the coast. It is also home to the second-largest maritime fishing region in France.

According to Normandie Fraîcheur Mer, the region has 626 boats and catches 61,000 tonnes of fish annually.

Most of the fish caught in this region are sent across the country but local fishmongers also receive their fair share to sell.

Normandy stands out as the leading fishing region for shellfish (mainly scallops). They are followed by whelks and mussels.

Financial Highlights

We expect the company to be profitable from its first year of operation - achieving a sales revenue of €279,880 and an EBITDA of €14,878 (i.e. 5.32% margin).

In year 2, we plan to expand our client base and expect sales revenues of €285,620 (or 2.05% of growth) and an EBITDA of €17,368 (which corresponds to an 6.08% EBITDA margin).

In year 3, we expect to achieve revenues of €293,650 (or 2.81% of growth) and an EBITDA of €21,456 (or 7.31% of margin).

Operating cash flow generation is expected to be positive for the entire duration of the plan, and the company should be adequately capitalized to allow us to meet our loan repayments while maintaining sufficient liquidity to meet any contingencies.

Our Ask

The initial financing needs of the project are estimated at €30,000. Our partners have planned to contribute €20,000, that is to say 66,6% of the sum.

We would like to obtain a bank loan of €10,000 to complete the financing.

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Fishmonger Business Plan Template FAQ

What is a fishmonger business plan and do I need one?

A fishmonger business plan is a written document that sets out the commercial, operational and financial objectives of the company over the next 3 to 5 years.

It consists of two main parts:

  • A written part that presents, in detail, your fishmonger business, the team, your strategy, and your medium-term objectives.
  • A financial forecast that highlights the expected profitability of the fishmonger and the initial funding requirements.

The lack of business planning is one of the main reasons why more than 50% of startups fail within 5 years. If you're starting a fishmonger, writing a business plan is a must-have in order to reduce the risk of failure of your project.

Business plans are also required by most lenders and investors in order to secure financing, therefore a business plan is also highly recommended if you're seeking a loan or equity investment for your fishmonger.

How do I write a business plan for a fishmonger and is it difficult?

Writing a fishmonger business plan without The Business Plan Shop can be both error-prone and time-consuming - whether you're new to entrepreneurship or experienced:

  • You'll need to research the structure of a business plan, what to include in each section, and what key elements investors and lenders expect to see
  • You may encounter writer's block (especially if it's the first time you're writing a business plan for your fishmonger)
  • You'll need to create a financial forecast on a spreadsheet which requires a solid understanding of accounting and financial modelling in order to be done without error
  • You'll need to spend hours formatting financial data on Excel or Sheets before it's ready to integrate into your business plan
  • Any updates to your fishmonger business plan or financial forecast will need to be done manually

Luckily for you, The Business Plan Shop's online platform and fishmonger business plan template guide you through every stage of writing a business plan, so that you can spend more time managing and growing your business instead.

Our editor follows a best-in-class structure for professional business plans. Each section and subsection includes examples and instructions to help you, while our business plan templates provide further inspiration if you're stuck.

Our financial forecasting software helps you create a forecast and integrate it into your business plan with ease. Anytime you update your data, your business plan automatically updates.

And with our forecasting software all the calculations are done for you, without errors.

What is the budget for a fishmonger and how much does it cost to get started?

The budget to start and run a fishmonger will depend on the exact concept and location.

A fishmonger set up as a market stall would probably result in lower overhead costs compared to a brick-and-mortar shop, especially in terms of rental and staffing expenses.

It's worth noting that a fishmonger requires specialized equipment such as refrigerated display counters, fish display cases, cutting tables, scales, and knives. High-quality display units are crucial to preserve the freshness of the fish and attract customers but add significantly to the overall budget.

As an example, in our fishmonger business plan template the total initial funding requirement amounted to €30,000 (c. $32,000 or £26,000), with the founders contributing €20,000 (c. $21,400 or £17,000).

In order to assess the exact budget for your fishmonger idea, you need to do a financial forecast using a financial projection tool such as the one we offer.

Is The Business Plan Shop the best fishmonger business plan template for me?

The package we offer at The Business Plan Shop goes way beyond a simple blank template you need to fill. With our platform you get:

  • Access to one of the best business plan software on the market
  • Access to our fishmonger business plan template which contains a complete example of a written business plan and financial forecast to start a fishmonger
  • Access to our entire business plan templates library - giving you dozens of examples to take inspiration from
  • Access to our financial planning and analysis platform so that you can track the actual performance of your business against what you had planned in your business plan and re-plan easily

But you shouldn't take our word for it: try our solution for free and make your own opinion!

How does the free trial of The Business Plan Shop work?

The free trial enables you to try the software for free during 7 days in order to verify that it meets your requirements before buying.

Some features are limited during the free trial, the main limits are:

  • You can only create one business plan
  • The financials of the first year are visible, but data for other years are hidden
  • You can export your plan in PDF but not in Word or CSV
  • No access to our business plan templates

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How much does The Business Plan Shop’s fishmonger business plan template cost?

Access to our template is included with all our paid subscriptions.

Please visit our pricing page to learn about this in more detail.

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