Expert Advisory. Precise Execution.
Five integrated practice areas — financial governance, IFRS reporting, risk and credit advisory, public sector finance, and interim leadership — deployed with director-level precision across the Dutch Caribbean.
One principal. Five disciplines. No intermediaries.
Director-level expertise applied directly — across governance, reporting, risk, public finance, and interim leadership — without delegation or substitution.
Integration is structural, not a selling point.
Governance weaknesses originate in reporting gaps. Credit exposure is shaped by governance design. Interim leadership mandates require command of all five domains simultaneously. CB Advisors is structured to reflect how regulated institutions actually function — not how advisory firms prefer to be organised.
The most senior person leads and delivers.
Every engagement is conducted by the principal directly — not delegated to associates, not staffed behind a managing partner. The client engages with director-level experience from the first consultation through to final delivery. There is no dilution of seniority across the mandate.
Regulatory fluency is the baseline, not the differentiator.
CBvS supervision, Dutch financial regulation, BES legislation, and the full IFRS suite are minimum qualifications — not differentiators. The value lies in applying that technical foundation with the institutional judgment that only direct experience in senior financial leadership roles can provide.
Sound governance is not an administrative exercise — it is the primary institutional defence mechanism. CB Advisors structures governance frameworks that satisfy both the letter and the spirit of supervisory requirements: from board-level terms of reference to operational control environments fully aligned with the three lines of defence model.
Scope of Engagement
- Board governance frameworks and terms of reference
- Internal control environment design and review (AO/IB)
- Audit committee mandate and coordination support
- Three lines of defence framework implementation
- Governance gap assessment and structured improvement roadmap
Typically serves: Banks, credit unions, regulated financial institutions, investment funds
In a regulated environment, financial reporting is not simply a matter of accuracy — it is a matter of regulatory credibility. We bring practitioner-level IFRS expertise to every reporting mandate: from first-time adoption and annual statement preparation to complex technical accounting questions that arise when standards evolve or circumstances change.
Scope of Engagement
- IFRS-compliant financial statement preparation
- IFRS 9 expected credit loss model design and implementation
- IFRS 13 fair value hierarchy assessments
- Technical accounting memoranda and formal position papers
- First-time adoption support and accounting policy documentation
- Audit file preparation and independent auditor liaison
Typically serves: Regulated financial institutions, government entities, investment structures requiring IFRS-compliant reporting
Credit policy that is robust in design but unworkable in practice offers no real protection. We develop and review credit frameworks that are technically sound, supervisory-compliant, and operationally viable — precisely aligned to the CBvS regulatory framework and current IFRS 9 guidance on expected credit loss provisioning.
Scope of Engagement
- Credit policy development, review and periodic update
- Risk governance framework design and documentation
- Credit portfolio assessment and scenario-based stress testing
- CBvS regulatory alignment review and gap analysis
- Loan classification, impairment staging and provisioning guidance
Typically serves: Commercial banks, credit cooperatives and lending institutions under CBvS supervision
Public entities in Curaçao and the BES islands carry a dual obligation: statutory financial compliance and sustained public accountability. For entities subject to balanced budget legislation or BES financial supervision requirements, we provide advisory that addresses both the regulatory substance and the institutional context — including structured support in dialogue with supervisory counterparts.
Scope of Engagement
- Balanced budget compliance assessments and trajectory planning
- Financial impact assessment for proposed policy or legislation
- Governance improvement trajectories for supervisory approval
- Direct preparation and support for supervisory dialogue
- Financial restructuring and fiscal stabilisation advisory
Typically serves: Ministries, statutory bodies, public agencies and semi-public entities under BES or island government oversight
The most critical period for any regulated institution is often the one without steady financial leadership. CB Advisors provides senior interim Finance Director and CFO mandates where immediate continuity of financial oversight is non-negotiable — combining the depth of experience to assume full responsibility from day one with a structured handover that safeguards institutional continuity.
Scope of Engagement
- Interim CFO and Finance Director mandate, full or part-time
- Financial stabilisation leadership during periods of institutional stress
- Restructuring coordination and turnaround advisory
- Board and supervisory authority reporting through the transition
- Structured knowledge transfer and successor onboarding
Typically serves: Regulated financial institutions navigating leadership transition, operational restructuring or urgent financial stabilisation
Let's discuss
your requirements.
CB Advisors works with a select number of clients at any one time.
Initial consultations are confidential and without obligation.