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Companies must ensure data security commensurate with the risk by taking appropriate technical and organizational measures (TOM). This is required by the new Data Protection Act. © HayDmitriy / Depositphotos.com

OPERATIONAL EXCELLENCE

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Putting together what fits together: A holding company is first and foremost a design tool and the foundation of a customized financial architecture. © Depositphotos.com

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This screenshot from the Creditreform database illustrates the machinations of a bankruptcy rider. These are exclusively companies that were liquidated without meeting their payment obligations. Behind each of the companies are bruised creditors who have worked in vain. © Creditreform