On January 1, 2027, PIS and Cofins cease to exist and the CBS takes effect at its full rate. For Norvia, the reform is a test of organization: those with planned data, processes and cash flow get through the transition with adjustments, not surprises.

Green figure 9.2m on a black background, with the headline “companies in default in Brazil” and a subtitle on credit becoming a cash tool, with Norvia’s circular brand graphic.

Entrepreneurs often point to a lack of capital as the main obstacle to growth, but the more common bottleneck is the lack of structure to receive that capital. For Norvia, structure comes before the check.

In 2025, a high interest rate environment reshaped the investment market, making capital more selective and reinforcing the importance of strong fundamentals, financial discipline, and a long-term perspective in business decisions.

Many companies grow but struggle to sustain results due to a lack of structure. Learn the key signs that indicate when business consulting can help organize operations, strengthen governance, and support sustainable growth