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Client: Horizon Démo SA, Morges. Signed on January 15, 2026.
Fees. A flat fee of CHF 24,000 excluding VAT for the ordinary audit of the 2026 accounts, billed in two installments (50 % in October, 50 % upon delivery of the report).
Time limit. The audit body's report must be submitted no later than March 31, 2027, subject to receipt of the documents before February 15, 2027.
Areas of risk. Inventory valuation, debt recovery, bank financing.
Stocks: CHF 1,240,000 (31.12.2025: CHF 860,000).
Accounts receivable: CHF 2,150,000 (31.12.2025: CHF 1,720,000), including CHF 410,000 owed to a distributor in Singapore, which is 120 days overdue.
Bank debts: CHF 900,000 (31.12.2025: CHF 400,000).
Gross margin: 38.5 % (2025: 42.1 %). Cash: −43 %.
1. Deadlines. The quarterly statement is filed within 60 days of the end of the period. Internal deadline: the 20th of the second month, for review by a partner.
2. Controls. Reconciliation of VAT turnover / accounting, prior tax control on the ten largest amounts.
3. Meals with clients. Reimbursements of up to CHF 80 per person, including drinks, are available upon presentation of a receipt stating the client's name and file number. For amounts exceeding this, prior approval by a partner is required.
Client data remains on the firm's infrastructure. It can be used in WivenLLM, within the workspace of the relevant mandate. It must not be copied to online AI services.
Which balance sheet variations require particular attention during the audit?
Changes in the balance sheet to be audited
Three key positions stand out in the situation as of September 30, 2026:
Also worth noting: the gross margin falls from 42.1 % to 38.5 %, and liquidity decreases from 43 %.
These three amounts far exceed the significance threshold of CHF 120,000: they must be documented in the audit file.
What fees and what deadline for submitting the report are stipulated in the engagement letter?
Fees and report deadline
According to the mission letter of January 15, 2026:
The letter does not provide for additional fees in the event of additional work: to be specified with the client if the stock analysis takes longer.
Until when must the VAT return for the 3rd quarter of 2026 be filed?
VAT deadline Q3 2026
According to procedure FIS-02 (section 1), the statement is filed within 60 days of the end of the quarter, i.e., end of November 2026 for July to September.
The procedure establishes a internal deadline: November 20, 2026, to allow time for review by a partner.
Up to what amount is reimbursed for a meal with a client?
Reimbursement of customer meals
A meal with a client is refundable up to CHF 80 per person, including drinks (PRO-05 directive, point 3).
The supporting document must include the client's name and the file number. For amounts exceeding this threshold, prior approval from a partner is required.
@agent Prepare the reminder letter to Horizon Démo SA for the supporting documents for the stocks and the Singapore receivable, in Word document.
Horizon supporting document reminder
Relance_Horizon_Demo_SA_justificatifs.docxCreate Word document{
"filename": "Relance_Horizon_Demo_SA_justificatifs.docx",
"title": "Demande de justificatifs - contrôle des comptes 2026"
}The reminder letter is ready. It asks Horizon Démo SA:
Proposed response deadline: November 15, 2026. The document should be reviewed before sending.
Pour Fiduciaire Démo SA, dossier de M. Jean Dupont : AVS 756.1234.5678.97, IBAN CH93 0076 2011 6238 5295 7, contact jean.dupont@exemple.ch, tél. +41 79 123 45 67. Dupont a signé avec Mme Anne-Marie de Rham.
Horizon Démo SA
2. Required documents. Extract from the commercial register less than 12 months old; signed form A (beneficial owner); identity documents of the signatories; proof of the origin of funds for any initial contribution exceeding CHF 1,000,000.
3. Enhanced review. Mandatory if the structure includes a company outside of Switzerland and the EU/EFTA.
Extract from the Commercial Register dated March 3, 2025. Form A attached, unsigned. Identity documents of both administrators: attached.
Initial contribution announced: CHF 2,400,000. Origin of funds: letter from the client (’sale of a stake’), without supporting documentation.
Structure: operational subsidiary in Singapore.
2.3 Fractionation. Several entries below the internal threshold of CHF 50,000, over a short period and from different counterparties, trigger a further clarification within the meaning of Art. 6 LBA, to be documented within 10 working days.
2.5 Decision. The classification of the alert and any possible communication to the MROS are the responsibility of the Compliance department.
Client: Atelier Démo Sàrl. Profile: declared annual turnover CHF 600,000.
From October 5 to 14, 2026: six incoming transfers of CHF 48,000 to CHF 49,500, from four different counterparties. Total: CHF 292,300.
4. Advance rate. Bonds rated A or better: 80 %. BBB bonds: 70 %. SMI index shares: 70 %. Other listed shares: 50 %. Investment funds: depending on the composition, up to 50 %.
5. Concentration. A position that exceeds 20 % of the pledged portfolio loses 10 points of advance rate.
What is missing from the opening file of Lumen Démo Holding SA?
Lumen case file: missing documents
Compared to the KYC v4 checklist, the file is incomplete on three points :
The Singapore subsidiary also triggers the reinforced review as specified in point 3 of the checklist.
The risk profile and the decision to open remain with the compliance officer.
Summarizes alert ALT-2026-0148 and what directive LBA-04 provides.
Alert ALT-2026-0148
The alert : six incoming transfers of CHF 48,000 to CHF 49,500 between October 5 and 14, 2026, from four different counterparties, for a total of CHF 292,300. The client, Atelier Démo Sàrl, reports an annual turnover of CHF 600,000.
The LBA-04 directive (point 2.3) considers this scheme as a apparent splitting below the internal threshold of CHF 50,000. It triggers a further clarification (Art. 6 LBA), to be documented in the 10 business days.
The first possible step is to request the contracts or invoices related to these four counterparties from the client. The classification of the alert remains the responsibility of the Compliance department (section 2.5).
What is the advance rate for a pledge of A-rated bonds?
Advance rate on A-bonds
According to policy CR-02 (point 4), the rated bonds Or better yet have an advance rate of 80 %.
Beware of concentration (point 5): if the position exceeds 20 % of the pledged portfolio, the rate decreases by 10 points, i.e. 70 %.
@agent Prepare the clarification note for alert ALT-2026-0148 in Word document, for validation by the compliance officer.
Clarification Note ALT-0148
Note_clarification_ALT-2026-0148.docxCreate Word document{
"filename": "Note_clarification_ALT-2026-0148.docx",
"title": "Clarification complémentaire - alerte ALT-2026-0148"
}The clarification note is ready. It contains:
The conclusion is left blank: it is up to the compliance officer.
Client Lumen Démo Holding SA, ayant droit économique Mme Anne Morel, AVS 756.9876.5432.10, IBAN CH56 0483 5012 3456 7800 9, e-mail a.morel@exemple.ch, tél. +41 22 555 01 23. Mme Morel détient 100 % des actions.
Lumen Démo Holding SA Atelier Démo Sàrl
1200 stainless steel flanges DN50, unit price CHF 72.00, total CHF 86,400 excluding VAT. Delivery: week 48 (November 27, 2026).
Special clause. A late delivery penalty of 0.5 % per week, capped at 5 % of the order amount. Accepted by Mécanique Démo SA on October 2, 2026.
Art. 7 – Time limits. Delivery times are indicative. No late delivery penalties are due unless otherwise agreed in writing.
Art. 9 – Payment. 30 days net.
1. Block the batch (red label) and isolate it. 2. Open a non-conformity report within 24 hours. 3. Inform the customer within 48 hours. 4. Conduct a root cause analysis (5 Whys method). 5. Implement corrective action validated by the quality manager. If the cost exceeds CHF 5,000: inform management.
CNC 3: Preventive maintenance every 500 spindle hours. Counter as of 20/10/2026: 2,340 hours. Next intervention: 2,500 hours. Planned downtime: 1 day, external technician.
What deadline and penalties did we accept for order 4512 from Alpina Demo AG?
Order 4512: Deadline and penalties
For order no. 4512 (1,200 stainless steel flanges, CHF 86,400 excluding VAT) :
This is a derogation from our General Terms and Conditions: Article 7 excludes penalties except by written agreement, and this agreement was given on October 2, 2026.
What should be done if a batch is declared non-compliant at the customer's premises?
Non-compliant batch: procedure
The PQ-07 procedure involves five steps:
If the cost exceeds CHF 5,000, The management must be informed.
When does the CNC 3 need to go in for maintenance?
CNC Maintenance 3
The CNC 3 undergoes preventive maintenance every 500 hours of the spindle. The counter was at 2,340 h October 20, 2026: the next intervention falls on 2,500 h, that is, in approximately 160 hours.
Plan for a stoppage’one day with the external technician, to be scheduled before the production of order 4512.
@agent Prepares an offer for 300 additional stainless steel flanges for Alpina Demo AG, under the conditions of order 4512, in Word document.
Offer of 300 Alpina bridles
Offre_Alpina_Demo_AG_300_brides.docxCreate Word document{
"filename": "Offre_Alpina_Demo_AG_300_brides.docx",
"title": "Offre - 300 brides inox DN50"
}The offer is ready:
To be reviewed and signed by management before sending.
Commande d'Alpina Démo AG, contact M. Peter Keller, peter.keller@exemple.ch, tél. +41 31 555 44 22, IDE CHE-123.456.789, IBAN CH44 3199 9123 0008 8901 2. Keller attend la confirmation avant vendredi.
Alpina Démo AG