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Kristina Ercegović: Achieving my dreams can never tire me

In the entrepreneurial scene of the entire region, the name of Zagreb’s Kristina Ercegović is well-known and synonymous with business success. Many who seek a turnaround in their business will surely seek advice from Kristina, a writer, serial entrepreneur, and business consultant, who is rightly called the ‘good spirit of entrepreneurship’.

The initiator of Business Cafe, author of numerous successful articles, blogs, and columns, as well as authored books on entrepreneurship, some of which have become regional bestsellers, has had several business turnarounds in her own career, so it is no surprise that she named her current company Zaokret. Success has always followed her, and in various business decisions, from resignations in other successful companies to her own that she sold, her driving forces have always been personal growth, optimism, and great ambitions… Kristina is truly a leader, one of those who never falter on their path despite perhaps not so ideal times and circumstances in which they live and operate.

In your long-standing successful entrepreneurial career, you have often made drastic changes and turnarounds in business, primarily guided, as you have emphasized, by further personal growth. Recently, you shut down one of your very successful projects, Business Cafe, which for years networked and educated small entrepreneurs. What prompted you to take this drastic business move?

I mainly follow my intuition, of course, and the numbers, but above all my inner voice, and somehow I have the luck to see a little ahead and the bigger picture and can connect things before time. Sometimes it is a burden, sometimes a blessing, because timing is very important. Business Cafe continues in neighboring countries. It is not completely shut down.

Since you expanded Business Cafe by selling licenses to some countries in the region, how successful has that venture proven to be? Will you continue to be part of that project, and in what ways?

It has proven successful as a concept in all countries, seven of them and 25 cities where we tried, but it has not been financially sustainable everywhere. The other day it was in Skopje, it continues there, as well as in Sarajevo and Ljubljana. I have three potential buyers for Croatia, which I did not expect at all. There are some ideas to continue perhaps in a slightly different form, but there is definitely interest, because as people say: ‘Where do entrepreneurs socialize? Well, at Business Cafe.’ It is very important to socialize with like-minded people; that need exists and will not disappear. What pleases me most in that part of the job is the selection and conversation with guests; I am open to continuing that part. I have a few unsolicited offers and proposals that I am now considering. And the colleagues who run Business Cafe in other countries always eagerly await me as a guest and co-moderator, of course.

Is it sometimes useful advice to ‘stop when it’s best’?

I believe it is. And in life, one should know when to stop. And have a measure. And a sense of timing. Stopping does not mean giving up nor does it mean that we have not succeeded in something. Sometimes it means ‘let’s see if someone else can do it smarter’. Or just stop. Or take a break. Or wait. Or let things happen on their own. For an entrepreneur, the most important thing is to get out of their own way, as well as their company. And to never be a slave to their work and to adapt their work to life, not life to work.

Have you ever regretted any of your business ventures and moves that changed the direction of your career and business? Did all of them ultimately prove to be justified and successful?

I have not, but I have made financial mistakes and I chose some people poorly, both personally and professionally. I regret selling two of the four properties I owned at one point, or that I did not keep them and create a passive income source, and I regret not using other people’s money more for business growth. And I have one dream that has never been realized, which I thought of too early. Its time is just coming.

You are always proactive, simultaneously working on numerous projects, almost never resting, and this has been going on for years. What are you currently most occupied with?

My focus is on the project ‘Women and Money’. Our mission is to change the financial future of women in the Balkans. Our vision is financially independent women. Several business angels are entering into co-ownership with me, and we have great ambitions and concrete plans. I am giving 300 percent to that. Personally, I am currently taking a course for successful online business and soon I will start training as a constellator. Namely, I want to enrich my consulting for small entrepreneurs, in which I always have a holistic approach – a combination of awareness, business, and psychology, with the NLP Master I have had for years, with knowledge of systemic (primarily business) constellations.

Do you ever get tired of this consecutive proactivity and constant multitasking?

No. What tires me the most are nonsense, meaningless activities, and people who drain my energy, so I have always, but even more every day, been careful about who I am in contact with. Achieving my dreams, contributing to society, that can never tire me. I do not practice multitasking; I am focused when I work on one thing at a time, only I have a lot of passion and interests, so I work a little on all of that. And I often rest and recharge my batteries. I take short breaks and regularly go into nature. I am in the south or on some trip for at least a third of the month. I love being in Dalmatia, looking at the sea and sunsets for a long time; that is where I recharge my batteries the fastest and easiest, and all my ancestors are from there. As soon as I pass Sveti Rok, I am a different woman. My partner has a boat, so he ‘hooked’ me on the boat and sailing the sea; I slowly grew to love it, from initial fear to true enjoyment.   

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Kristina Ercegović

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What is your most important driver and motivator to always move forward and not give up, even when it is difficult and the business situation and circumstances are not ideal?

The mission – why I started all this. My passions are entrepreneurship – I want to encourage people to think entrepreneurially, which means not complaining but being proactive. We do not all have to be entrepreneurs; it is not for everyone, but we can all stop complaining, be grateful for what we have, and take action on what we can. We can always make some lemonade from life’s lemons, right? My other passion is empowering women. In everything I do, I want to leave a mark, or as someone told me – you make everyone better. That is why we are here, to love each other, to be supportive. Let’s make the world at least a little better when we leave than when we arrived, and how, by sharing our talents with others.

You often emphasize that in entrepreneurship, it is not important what you have achieved but what kind of person you become along the way. What other moral qualities are you most proud of?

My favorite compliment I received is precisely this that I have already mentioned, you make everyone better. But also from one client: ‘There is a business life before and after meeting Kristina.’ I think that is the best answer. Freedom, honesty, loyalty, community, relationships, generosity, truth, and most importantly love and doing good are important to me.

You have written many books on entrepreneurship. One of the regional bestsellers is your fifth book ‘You are strongest when you are yourself’ from 2018, in which, among other things, you give advice on how not to be a slave to your work. For those who have not yet read that book, how can one truly avoid becoming a slave to their work?

Two things are most important. SYSTEM (set clear written rules down to the smallest detail on how we work, because nothing is taken for granted) and PEOPLE – hiring and then leading the right people.

Are you currently working on any new book?     

Yes, I have several in my head, but I think the first one to go on paper will be ‘(Not) about money, it’s about us – a guide to managing money’.

You have experience in starting and running three companies as well as a number of projects, and selling two of your own companies and shares in a third. Not only did you resign from other successful companies, but also from your own. What useful experiences have you drawn from that?

The most important thing is that I got to know myself; among other things, I realized that I am excellent at starting something from nothing. I am a pure entrepreneur.

Since 2010, you have been running your own company Zaokret, which also operates the portal ‘Women and Money’. For years, you have been conducting online courses and consultations, giving advice to various entrepreneurs, writing blogs, as well as columns in numerous magazines and on portals… You are actually a business mentor, and your main products and services are advice and educating entrepreneurs. How advantageous is it to ‘sell’ the knowledge and skills you have acquired compared to when you have to sell some concrete products and services? 

In my case, that part arose spontaneously while I was building and am building other businesses. Others saw and recognized me as a teacher of entrepreneurship while I only saw myself as an entrepreneur. Everyone tells me that I am the biggest brand of all my businesses and projects. I guess that’s how it is; I don’t know. I just do what I love. I really love to learn, and I am even more delighted to share what I have learned with others. To help others struggle less, to perhaps hit their heads against the wall less than I did, and to make three mistakes instead of ten (laughs). Everything else is just a consequence of my sincere intention, and people recognize that. There is no theorizing, selling fog, and bullshit with me, because along with theoretical and formal education (graduated from the Faculty of Economics and internationally recognized EMBA), I completed a series of informal education plus I have 5 years of experience in a corporation (1 year abroad) and 20 in small entrepreneurship. And I have traveled to about 70 countries.

If we talk in numbers, how many users follow you on your portal, how many seek your advice through blogs, various forms of consulting, how many are registered for your workshops and newsletters…?

Since I sometimes work as a business influencer, at one point we calculated that my reach is 70,000 small entrepreneurs. I have been writing a blog for 15 years, I have written over 500 columns, along with five books. I have actually shared all my knowledge for free, and what I sell is time and dedication if someone wants to work with me to help them elevate their business to a higher level. For that, I have had my author program for entrepreneurs ‘Building a Business’ for 7 years. And of course, I also have the program ‘Be Your Own Boss’ for beginners, and I do individual consultations 1 on 1.

You often say that networking is extremely important in business. What are all the advantages of networking?

In business, it is important WHO we know, not just what we know. I do not mean membership cards and making deals through connections over lamb. Networking is the most neglected business skill, and it is essentially about long-term relationship building. People do business with people because of people. Relationships fulfill us the most along with meaningful work. It makes sense from all sides to systematically invest in building a network and relationships. Contact is not a number but a relationship. And that is built over the long term. For example, a characteristic of successful people is when they set a goal to go from point A to point B, and first they ask WHO can help me do that FASTER, not what my next step is. Only after who comes the question of the next step.

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Kristina Ercegović

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What are the most common mistakes made by small entrepreneurs, especially those who have not yet mastered all the skills of working and surviving in the market?

The purpose of business is to solve a problem and add value to the customer. If we are not truly customer-oriented but self-oriented, our downfall is certain. This includes poor service. And inadequate and insufficient marketing. We must also pay attention to cash flow, know how to read financial reports, and sell. We often have a lot of missed sales, our margins are too small, our prices are too low, and we have problems with collecting receivables. And here we are, ourselves – our way of thinking, sense of value, self-confidence, positive attitude, resilience, resourcefulness… That is what makes the crucial difference at the end of the day.

What would you advise small entrepreneurs who may have temporarily halted their business and company due to less than ideal market circumstances, but still have an entrepreneurial spirit within them and would like to establish their own business again?

Forgive yourself and this time be smarter. Work more ON, not IN the business. Start from what we are best at, what we are masters of, choose a niche, because we cannot be everything to everyone, be aware of what we are selling and what the customer is really buying, and what makes us unique, set clear written systems of rules and procedures, attract talents smarter, hire and lead people. We cannot and do not have to do everything ourselves, leverage, see how we can do smarter, how to create as many sources of passive income as possible, can we create a digital product, do business online, create our franchise… Once we do those 5 steps well, the 6th, synergy and results will surely await us on the other side. I have always said that we need a good accountant, lawyer, and we all need a good coach & therapist/psychologist because working on a business is actually a great opportunity for personal growth and development. Our business grows to the level we grow. If we want to change something, we must change ourselves.

How do you balance motherhood with numerous business obligations?

I do not balance. It has sometimes been very, very difficult. And there have been internal struggles and feelings of guilt and being torn in 100 directions… But realistically, I am always simultaneously a woman, a mother, an entrepreneur, a friend, and a lover/partner. My son Luka is now 14 years old; it is easier for us now because he is very independent, and the two of us make a great team. I love him more than anything in the world, but even if he were not my son, I would really enjoy spending time with him. He is totally a cool and interesting guy. I am sure we will all hear about him in time, and somehow it seems to me that my biggest brand in a few years could be that I am Luka’s mom. In any case, I am overjoyed, grateful, and privileged to be with him every day.