Click a year to expand detailed quarterly planning. Green items (●) are key milestones.
Product Modules
Strategy: Start with Franchise core + Cashbook, then expand — each module adds value for franchise clients and opens external SaaS revenue.
Team Structure & Salary Plan (revenue-aligned) — 5 core staff. CEO & DCEO bumps are conditional on sustained monthly revenue (RM27k for RM3,900; RM40k for RM5,000), then 5% p.a. every January. All salaries include RM450/mo allowances + 14.95% employer statutory contributions + RM150 medical insurance per person.
CEO & DCEO: RM 3,000 (Jun 2026) → RM 3,900 once Rev_Total > RM 27k for 2 mo (Mar 2027) → RM 5,000 for CEO & DCEO (MD Status) once > RM 40k for 2 mo (Aug 2027 under Optimum) → 5% p.a. from Jan 2028 •
Dev Transfer (Akmal): RM 2,200 • Dev New Hire (Iffat): RM 2,000 — Aug 2026 (Optimum) / Jan 2027 (Extended); 5% p.a. from Jan 2028 •
IT Operations: RM 1,900 (Jan 2027) → 5% p.a. from Jan 2028 •
AI Usage & Research: RM 1,200/mo recurring OPEX from Jun 2026 •
Management fee: Flat RM 1,500/mo Jun 2026 → Dec 2031 (reimburses Phase 1–2 supplier pass-through with modest margin; re-scoped as advisory / backup-DC retainer from Jul 2028)
Market context: Malaysian tech startup CEO/CTO median salary range RM4,500–RM7,000/month (industry surveys 2024–2025). The RM5,000 target is within market range and simultaneously satisfies MD Status knowledge-worker requirements.
Capacity & Workload
Workload vs Capacity — person-months by category plotted against available headcount-months per year (Optimum). Capacity: 2026 24pm (2 staff × 7mo + 2 Devs × 5mo Aug–Dec) · 2027 60pm (5 staff × 12mo) · 2028–2031 60pm (5 staff × 12mo). Workload estimates are directional — actual allocation will vary. Under Extended, 2026 capacity drops to 14pm (Devs slip to Jan 2027).
Workload Allocation (est.) vs Capacity
Stacked workload in person-months; dashed line = available capacity
Contingency Hire (RM 18k)Year
Malaysia Digital (MD) Status grants tax incentives, grant eligibility, and enterprise credibility. Application targeted for Q1–Q2 2028 after all prerequisites are met.
1
Qualifying Digital Activities
SaaS platform operations, AI face recognition, cloud infrastructure
● In progress — SaaS active
2
≥2 Knowledge Workers at ≥RM5k/mo
CEO & DCEO starting at RM3,000 each — must reach RM5,000 by early 2028
○ Planned — salary ramp underway
3
≥RM50k/yr OPEX on MD Activities
Infrastructure, cloud services, domains, server ops, software licenses
● In progress — OPEX growing
4
≥RM1k Paid-up Capital
Current: RM1k minimum. Target RM250k for future Expansion Incentive eligibility.
○ Planned — capital review 2028
MD Milestone
When
Status
SaaS revenue active (fee collection)
H2 2026
On track
AI R&D pilot (GPU testing)
2027
Planned
Trademark registered
Before 2028
Filing Q4 2026
CEO & DCEO salaries ≥ RM5,000
Early 2028
Ramping
MDEC pre-consultation
Q1–Q2 2028
Planned
MD Status application
Q2–Q3 2028
Planned
MD Status approval (target)
H2 2028
Planned
Financial Impact Analysis
Approval Timing
Why this section exists. QCXIS is incorporated with RM 100,000 paid-up share capital — actual equity on the balance sheet at incorporation, not a repayable working-capital advance. The RM 14,499.99 hardware obligation is deliberately deferred to Jan 2028 so that 100% of the Jun 2026 → Dec 2027 cash runway is earmarked for salary; Tier 2 (RM 2,000/mo under Optimum) clears the balance by Aug 2028, landing one month after the Jul-28 direct-supplier takeover. This section spells out the allocation, schedule, and end-state.
Paid-Up Share Capital
RM 100,000
Equity at incorporation · not repayable
Hardware Obligation
RM 14,499.99
Existing QC Group hardware capex
Repayment Starts
Jan 2028
Deferred — salary window protected
Repayment Completes
Aug 2028
8-month Tier 2 plan under Optimum
Paid-Up Capital Allocation — RM 100,000
Use of capital
Amount
Rationale
Expanded OPEX runway (3–4 mo full team)
RM 35,000
Launch runway + HR/Portrait slip contingency
AR buffer (45-day collection slip)
RM 10,000
Expanded pool at accelerated ramp
Payroll buffer (Aug-26 Dev hire + 2027 uplift)
RM 25,000
Absorbs Akmal + Iffat hires before revenue catches up + Mar-27 uplift
Why RM 100k (not RM 50k): RM 50k paid-up only survives Optimum (Jun-26 floor RM 59,518). RM 100k must survive the Extended scenario + 6-month HR/Portrait delay while holding the Jun-26 floor at RM 109,518. Repayment is held back to Jan 2028 precisely so the RM 100k is reserved for payroll (MD-Status CEO/DCEO RM 5k each, Aug-26 Dev hire, Jan-27 IT Ops, 2027 uplift) first and capital repayment second. RM 100k is also a stepping stone toward the RM 250,000 minimum for future MDEC Malaysia Digital Expansion Incentive eligibility.
Jun 2026 → Dec 2027 — no repayment (salary window protected)
Jan 2028
RM 2,000
RM 2,000 (Tier 2 fires: Rev>45k×2mo)
Feb 2028
RM 2,000
RM 4,000
Mar 2028
RM 2,000
RM 6,000
Apr 2028
RM 2,000
RM 8,000
May 2028
RM 2,000
RM 10,000
Jun 2028
RM 2,000
RM 12,000
Jul 2028
RM 2,000
RM 14,000 (direct-supplier takeover)
Aug 2028 ✓
RM 499.99
RM 14,499.99 — paid in full
Tier triggers: Base RM 1,000 → Tier 1 RM 1,500 (Rev_Total > RM 35k for 2 consecutive prior months) → Tier 2 RM 2,000 (> RM 45k × 2 mo). Under Optimum with OHXEM folded in, Nov/Dec 2027 Rev > RM 45k → Tier 2 fires immediately on the Jan-28 start. Under Extended, Tier 1 may apply for the first 1–2 months → completion slips to Sep–Oct 2028.
Direct Recurring Suppliers — QCXIS takes over Jul 2028
Supplier
RM / month
RM / year
cPanel Premier
300.00
3,600.00
Immunify360
200.00
2,400.00
Server Colocation 2U
490.05
5,880.60
Subtotal (base)
990.05
11,880.60
Flat RM 990.05/mo through Dec 2029; 3% annual escalation from Jan 2030 — 2030: RM 1,019.75/mo · 2031: RM 1,050.34/mo. Through Jun 2028 the same suppliers are fronted by QC Group and reimbursed inside the RM 1,500/mo management fee.
Infra Upgrade CAPEX — QCXIS self-funded growth
When
Amount
Example use
Jul 2029
RM 10,000
Backup storage + redundancy
Jul 2030
RM 15,000
Server refresh / capacity expansion
Jul 2031
RM 20,000
GPU / AI capacity + networking
3-yr total
RM 45,000
Self-funded from QCXIS operating cash
Booked as Jul lump sums (typical capex purchase pattern). Funded entirely from QCXIS retained earnings — no further QC Group outlay after Jul 2028.
Why defer repayment to Jan 2028? The Jun 2026 → Dec 2027 window carries the heaviest payroll intensity relative to revenue — full MD-Status CTC for CEO & DCEO (RM 5,000 each), the Aug-26 Dev hire, the Jan-27 IT Operations hire, and the 2027 salary uplift all land inside it. Holding repayment back until Jan 2028 preserves the entire RM 14,499.99 as payroll headroom for 19 months. By Jan 2028, Optimum Rev_Total is already >RM 45k for 2 consecutive months → Tier 2 (RM 2,000/mo) fires immediately, clearing the balance in 8 months by Aug 2028 — one month after the Jul-28 direct-supplier takeover. Cash balance never goes negative (lowest point: Jun 2026 at RM 109,518 under Optimum; same floor under Extended).
Beyond hardware: 4-phase ownership transfer. From Jul 2028 QCXIS takes over the recurring suppliers directly (cPanel + Immunify360 + Colocation = RM 990.05/mo, +3% from 2030) and funds its own upgrade CAPEX (RM 10k/15k/20k in Jul 2029/30/31). The flat RM 1,500/mo retainer to QC Group continues as a flexible, board-revisable advisory / backup-DC fee. The 2.5%-of-revenue scaling formula previously drafted has been retired in favour of this concrete itemised model.
Revenue
Revenue vs OPEX vs Net (RM) — pre-tax
All streams (Fee + HR + Portrait) against total OPEX. Timeline starts Jun 2026.
Stream 1 — Fee Collection: RM1/client/month invoiced to franchisee outlets. Verified via platform data. 30-day terms. Starts Jun 2026.
Stream 2 — HR Module: RM40/mo sub + RM5/emp/mo (normal) · RM2/emp/mo (promo '27–'28). Avg 25 emp. Funnel-driven acquisition with scenario-specific leads, trial and paid conversion rates, and cohort churn (Y1 high, retained low). CAC booked per customer.
Stream 3 — Portrait Module: Seat-quota subscription — Starter RM299 / Pro RM699 / Enterprise RM1,199 per org/mo. Bundled customers (30% of HR) get 15% off. Standalone market grows via scenario-keyed funnel. 10% churn.
Portrait Tier Mix
Stream 4 — OHXEM (International): USD 2/student/mo × FX 4.40 = RM 8.80/student/mo. Cap 90 students/outlet × 70% realisation = RM 554.40/outlet/mo steady-state. Outlet ramp Optimum: 2 (Jun-26) → 3 (Dec-26 pilot) → 15 (Dec-27) → 50 (Dec-28) flat; Extended slips ~12 mo (15 by Dec-28, 50 by Dec-29). Steady-state ~RM 333k/yr at 50 outlets. QCXIS not FX-exposed in model (billed at locked rate).
Payroll: CEO & DCEO RM 3,000 → RM 3,900 (rev > RM 27k for 2 mo, Mar 2027) → RM 5,000 for CEO & DCEO (MD Status) (rev > RM 40k for 2 mo, Aug 2027); Dev Transfer (Akmal) RM 2,200 & Dev New Hire (Iffat) RM 2,000 from Aug 2026 (Optimum) / Jan 2027 (Extended); IT Operations RM 1,900 from Jan 2027. All 5% p.a. from Jan 2028. Includes RM 450/mo allowances + 14.95% statutory + RM 150 insurance. Plus AI Usage & Research RM 1,200/mo from Jun 2026 and a flat management fee RM 1,500/mo Jun 2026 → Dec 2031.
Infrastructure — 4-phase model: Flat inter-company management fee — RM 1,500/mo Jun 2026 → Dec 2031 (reimburses Phase 1–2 supplier pass-through with modest margin; re-scoped as flat advisory / backup-DC retainer from Jul 2028 once QCXIS takes direct vendor contracts). Plus RM 1,200/mo AI Usage & Research recurring OPEX from Jun 2026 (MD-qualifying AI activity evidence). Hardware repayment: RM 14,499.99 on revenue-scaled tiers, deferred to Jan 2028 to fully protect the Jun-26→Dec-27 salary window; typically Tier 2 (RM 2,000/mo) under Optimum, completing Aug 2028. From Jul 2028: QCXIS contracts cPanel + Immunify360 + Colocation directly (RM 990.05/mo; +3% from 2030) and funds own upgrade CAPEX (RM 10k/15k/20k in Jul 2029/30/31). See section ④B Capital & Repayment Plan for the full schedule.
Green = positive; red = negative. Dashed lines: RM0 breakeven and RM10,000 buffer target. Dec dips reflect annual tax payment.
What this shows: QCXIS opens with RM 100,000 paid-up share capital. The lowest point shows residual exposure beyond that buffer. Switch scenarios above to see how growth assumptions change the funding picture.