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Delivery-date: Wed, 10 Dec 2025 16:53:31 -0300
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From: Luis Mateu <lmateu@vindex.com.uy>
Date: Wed, 10 Dec 2025 16:53:19 -0300
Message-ID: <CADNLOqpEkCCL1PMVX_5K1HdD=1V1qKhJSe08-HdkHNSYy7sQAA@mail.gmail.com>
Subject: Re: CLIENTES DISTRIBUCION
To: "Quintanilla, Maria Victoria" <mariavictoriaquintan@kpmg.com>
Cc: Laura Clausen <lclausen@bagno-company.com>, Pablo Machado <pmachado@bagno-company.com>, 
	Lorena mendieta <lmendieta@bagno-company.com>, 
	"jbarboza@bagno-company.com" <jbarboza@bagno-company.com>, Felipe Mateu <fmateu@bagno-company.com>, 
	eduardo <ecarle@bagno-company.com>, Sandra Osorio <contacto@bagno-company.com>, 
	"Casas, Gaston S" <gcasas@kpmg.com>
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Buenisimo Vicky , solo me cabe hacer un comentario y es si no deber=C3=ADa =
ir
con un aviso de castigo si no se respeta el plazo

Cr.Luis Mateu

El El mi=C3=A9, 10 dic. 2025 a la(s) 4:03=E2=80=AFp. m., Quintanilla, Maria=
 Victoria <
mariavictoriaquintan@kpmg.com> escribi=C3=B3:

> Hola Equipo!
>
>
>
> =C2=BFComo estan?
>
>
>
> Hace varias semanas reunimos con Vir y con Pablo para revisar las l=C3=AD=
neas
> de cr=C3=A9dito de los clientes, y la forma de pago de cada uno.
>
>
>
> En estas reuniones surgi=C3=B3 la necesidad de la empresa de poder reduci=
r la
> cantidad de d=C3=ADas de cobro a los clientes.
>
>
>
> Hoy la mayor parte de cheques diferidos a cobrar que se reciben estan
> concentraos en el =C3=A1rea de Distribuci=C3=B3n, donde los plazos de los=
 cheques van
> desde 30 d=C3=ADas, 60,90 y hasta 120 d=C3=ADas. A esto tambi=C3=A9n se =
le suman los 30 o
> 40 d=C3=ADas en los que el cliente entrega los cheques. Esto hace que el=
 ciclo
> de vender y cobrar sea muy extenso y se tenga que incurrir en el descuent=
o
> de los cheques para cubrir las obligaciones que la organizaci=C3=B3n tien=
e.
>
> Ese descuento de cheque se hace a trav=C3=A9s de los bancos, donde ellos =
por
> adelantar el dinero cobran un inter=C3=A9s y ese inter=C3=A9s nunca es tr=
asladado al
> cliente, siempre se hace cargo la empresa.
>
>
>
> Por esto motivo y con el fin de mejorar la salud financiera de la
> organizaci=C3=B3n, se van a enviar cartas a los clientes record=C3=A1ndol=
es la forma
> de pago de cada uno.
>
>
>
> Los plazos van a ser 30, 60 y 90 d=C3=ADas, dependiendo cada cliente. y=
 para
> compras especiales, previamente aprobadas por Pablo podr=C3=A1n acceder a=
 120
> d=C3=ADas de cr=C3=A9dito.
>
>
>
> Estas cartas a los clientes ser=C3=A1n enviados desde el equipo de cuenta=
s
> corrientes, en copia al equipo de KPMG. Seguramente uds como primer
> contacto del cliente reciban alg=C3=BAn tipo de comentario o pedido del c=
liente
> con respecto a los plazos, por ello les pedimos su ayuda para lograr
> mejorar los plazos de cobro. Y siempre que lo consideren necesario estam=
os
> a disposici=C3=B3n para conversar casos puntuales.
>
>
>
> La idea es que las cartas sean enviadas en la primer quincena de enero
> 2026, ni bien se env=C3=ADen les avisaremos.
>
>
>
> Gracias
>
> Saludos
>
>
>
> *Cra. Victoria Quintanilla | *Outsourcing, Payroll & Tax
>
>
>
> KPMG Uruguay | Cir. Dr. Enrique Tarigo 1335, Piso 7, Of. 702
> <https://www.google.com/maps/search/Dr.+Enrique+Tarigo+1335,+Piso+7,+Of.+=
702?entry=3Dgmail&source=3Dg>
> | Montevideo, CP 11100
>
> Tel: +598 2902 45 46 ext. 228
>
> KPMG has a commitment to environmental responsibility. Please consider th=
e
> earth before printing this e-mail.
>
>
>
> Debemos se=C3=B1alar finalmente que el presente documento ha sido emitido=
 en
> cumplimiento de un requerimiento de servicios profesionales de
> asesoramiento por parte de vuestra empresa, los cuales fueron prestados
> aplicando nuestra mayor diligencia y conocimiento t=C3=A9cnico. No obstan=
te,
> advertimos que los organismos p=C3=BAblicos o tribunales que eventualment=
e
> entiendan en el tema pueden sustentar otras opiniones o variar aquellas q=
ue
> han sido resumidas o transcritas por nosotros. Las informaciones y
> opiniones contenidas en el presente informe tienen por fin el uso de las
> mismas por vuestra empresa.
>
> ___.___
>
> Please note, finally, that this report has been issued in reply to a
> request for professional advisory services by your company, and that thes=
e
> services were offered on the basis of our best possible diligence and
> technical knowledge. We should, however, warn you that the public
> authorities or courts by which these issues may be heard might sustain
> other opinions or deviate from those that have been summarized or
> transcribed in this report. The information and opinions contained in thi=
s
> report are designed to be used by your company.
>
>
> ***********************************************************************
> The information in this e-mail is confidential and may be legally
> privileged. It is intended solely for the addressee. Access to this e-mai=
l
> by anyone else is unauthorized. If you have received this communication i=
n
> error, please address with the subject heading "Received in error," send =
to
> the original sender , then delete the e-mail and destroy any copies of it=
.
> If you are not the intended recipient, any disclosure, copying,
> distribution or any action taken or omitted to be taken in reliance on it=
,
> is prohibited and may be unlawful. Any opinions or advice contained in th=
is
> e-mail are subject to the terms and conditions expressed in the governing
> KPMG client engagement letter. Opinions, conclusions and other informatio=
n
> in this e-mail and any attachments that do not relate to the official
> business of the member firm are neither given nor endorsed by it.
>
> KPMG cannot guarantee that e-mail communications are secure or error-free=
,
> as information could be intercepted, corrupted, amended, lost, destroyed,
> arrive late or incomplete, or contain viruses.
>
> This email is being sent out by KPMG International on behalf of the local
> KPMG member firm providing services to you. KPMG International Limited is=
 a
> private English company limited by guarantee. KPMG International Limited
> and its related entities do not provide services to clients. Each KPMG fi=
rm
> is a legally distinct and separate entity and describes itself as such.
> Each KPMG member firm is responsible for its own obligations and
> liabilities.
> For more detail about our structure please visit home.kpmg/governance.
>
> This footnote also confirms that this e-mail message has been swept by
> AntiVirus software.
> ***********************************************************************
>

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Content-Type: text/html; charset="UTF-8"
Content-Transfer-Encoding: quoted-printable

<div dir=3D"auto">Buenisimo Vicky , solo me cabe hacer un comentario y es s=
i no deber=C3=ADa ir con un aviso de castigo si no se respeta el plazo <div><div dir=3D"ltr" class=3D"gmail_signatu=
re" data-smartmail=3D"gmail_signature">Cr.Luis Mateu</div></div></div><div>=
 </div><div> <div class=3D"gmail_quote gmail_quote_container"><div di=
r=3D"ltr" class=3D"gmail_attr">El El mi=C3=A9, 10 dic. 2025 a la(s) 4:03=E2=
=80=AFp.=C2=A0m., Quintanilla, Maria Victoria &lt;<a href=3D"mailto:mariavi=
ctoriaquintan@kpmg.com">mariavictoriaquintan@kpmg.com</a>&gt; escribi=C3=B3=
: </div><blockquote class=3D"gmail_quote" style=3D"margin:0px 0px 0px 0.=
8ex;border-left-width:1px;border-left-style:solid;padding-left:1ex;border-l=
eft-color:rgb(204,204,204)">

<div lang=3D"ES-UY" link=3D"#467886" vlink=3D"#96607D" style=3D"overflow-wr=
ap: break-word;">
<div class=3D"m_6602836600282389760WordSection1">
Hola Equipo!
=C2=A0
=C2=BFComo estan?
=C2=A0
Hace varias semanas reunimos con Vir y con Pablo par=
a revisar las l=C3=ADneas de cr=C3=A9dito de los clientes, y la forma de pa=
go de cada uno.

=C2=A0
En estas reuniones surgi=C3=B3 la necesidad de la em=
presa de poder reducir la cantidad de d=C3=ADas de cobro a los clientes.

=C2=A0
Hoy la mayor parte de cheques diferidos a cobrar que=
 se reciben estan concentraos en el =C3=A1rea de Distribuci=C3=B3n, donde l=
os plazos de los cheques van desde 30 d=C3=ADas, 60,90 y hasta 120 d=C3=ADa=
s.=C2=A0 A esto tambi=C3=A9n se le suman los 30 o 40 d=C3=ADas en los
 que el cliente entrega los cheques.=C2=A0 Esto hace que el ciclo de vender=
 y cobrar sea muy extenso y se tenga que incurrir en el descuento de los ch=
eques para cubrir las obligaciones que la organizaci=C3=B3n tiene.

Ese descuento de cheque se hace a trav=C3=A9s de los=
 bancos, donde ellos por adelantar el dinero cobran un inter=C3=A9s y ese i=
nter=C3=A9s nunca es trasladado al cliente, siempre se hace cargo la empres=
a.

=C2=A0
Por esto motivo y con el fin de mejorar la salud fin=
anciera de la organizaci=C3=B3n, se van a enviar cartas a los clientes reco=
rd=C3=A1ndoles la forma de pago de cada uno.=C2=A0

=C2=A0
Los plazos van a ser 30, 60 y =C2=A090 d=C3=ADas, de=
pendiendo cada cliente.=C2=A0 y para compras especiales, previamente aproba=
das por Pablo podr=C3=A1n acceder a 120 d=C3=ADas de cr=C3=A9dito.

=C2=A0
Estas cartas a los clientes ser=C3=A1n enviados desd=
e el equipo de cuentas corrientes, en copia al equipo de KPMG.=C2=A0 Segura=
mente uds como primer contacto del cliente reciban alg=C3=BAn tipo de comen=
tario o pedido del cliente con respecto a los plazos,
 por ello les pedimos su ayuda para lograr mejorar los plazos de cobro.=C2=
=A0 Y siempre que lo consideren necesario estamos a disposici=C3=B3n para c=
onversar casos puntuales.

=C2=A0
La idea es que las cartas sean enviadas en la primer=
 quincena de =C2=A0enero 2026, ni bien se env=C3=ADen les avisaremos.

=C2=A0
Gracias
Saludos 
=C2=A0
Cra. Victoria Quint=
anilla |
Outsourcing, Payroll &amp; Tax

=C2=A0<=
u>
KPMG Uruguay | Cir. <a href=3D"https://www.googl=
e.com/maps/search/Dr.+Enrique+Tarigo+1335,+Piso+7,+Of.+702?entry=3Dgmail&am=
p;source=3Dg" style=3D"font-family:Arial,sans-serif">Dr. Enrique Tarigo 133=
5, Piso 7, Of. 702</a> | Montevideo, CP 11100</s=
pan>
Tel: +598 2902 45 46 ext. 228</=
span>
<img src=3D"cid:ii_19b09d25019ad7999131" style=
=3D"width:96px;max-width:100%"></=
p>
KPMG has a commitment to environmental responsibility. Pleas=
e consider the earth before printing this e-mail.
=C2=A0
D=
ebemos se=C3=B1alar finalmente que el presente documento ha sido emitido en=
 cumplimiento de un requerimiento de servicios
 profesionales de asesoramiento por parte de vuestra empresa, los cuales fu=
eron prestados aplicando nuestra mayor diligencia y conocimiento t=C3=A9cni=
co. No obstante, advertimos que los organismos p=C3=BAblicos o tribunales q=
ue eventualmente entiendan en el tema pueden
 sustentar otras opiniones o variar aquellas que han sido resumidas o trans=
critas por nosotros. Las informaciones y opiniones contenidas en el present=
e informe tienen por fin el uso de las mismas por vuestra empresa.<s=
pan style=3D"font-size:8pt;font-family:&quot;Times New Roman&quot;,serif;co=
lor:rgb(31,73,125)"></sp=
an>

___.___</=
span>=


Please no=
te, finally, that this report has been issued in reply to a request for pro=
fessional advisory services by your company, and that these services were
 offered on the basis of our best possible diligence and technical knowledg=
e. We should, however, warn you that the public authorities or courts by wh=
ich these issues may be heard might sustain other opinions or deviate from =
those that have been summarized
 or transcribed in this report. The information and opinions contained in t=
his report are designed to be used by your company.</p=
>
=C2=A0
</div>

<div>
*********************************************************************** 
The information in this e-mail is confidential and may be legally privilege=
d. It is intended solely for the addressee. Access to this e-mail by anyone=
 else is unauthorized. If you have received this communication in error, pl=
ease address with the subject heading &quot;Received in error,&quot; send t=
o the original sender , then delete the e-mail and destroy any copies of it=
. If you are not the intended recipient, any disclosure, copying, distribut=
ion or any action taken or omitted to be taken in reliance on it, is prohib=
ited and may be unlawful. Any opinions or advice contained in this e-mail a=
re subject to the terms and conditions expressed in the governing KPMG clie=
nt engagement letter. Opinions, conclusions and other information in this e=
-mail and any attachments that do not relate to the official business of th=
e member firm are neither given nor endorsed by it. 
 
KPMG cannot guarantee that e-mail communications are secure or error-free, =
as information could be intercepted, corrupted, amended, lost, destroyed, a=
rrive late or incomplete, or contain viruses. 
 
This email is being sent out by KPMG International on behalf of the local K=
PMG member firm providing services to you. KPMG International Limited is a=
 private English company limited by guarantee. KPMG International Limited a=
nd its related entities do not provide services to clients. Each KPMG firm=
 is a legally distinct and separate entity and describes itself as such. Ea=
ch KPMG member firm is responsible for its own obligations and liabilities.=
 
For more detail about our structure please visit home.kpmg/governance. 
 
This footnote also confirms that this e-mail message has been swept by Anti=
Virus software. 
*********************************************************************** 
</div></div>

</blockquote></div></div>

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