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The OECD/INFE 2020 International Survey of Adult Financial Literacy found a consistent pattern: in 16 comparable countri...
27/08/2026

The OECD/INFE 2020 International Survey of Adult Financial Literacy found a consistent pattern: in 16 comparable countries and economies, men scored higher than women in financial knowledge, while women did not score higher in any.

OECD analysis also found that gender differences in financial resilience became smaller after demographic and socio-economic factors were considered — and smaller still when financial literacy was taken into account.

In plain terms: financial literacy is one part of a wider gap. Confidence, economic circumstances and social factors matter too — but financial knowledge and skills can be strengthened.

That's the premise of FEMpower in Finance: an Erasmus+ adult education project developing a curriculum, real-life case studies and a practical toolbox for women's financial skills.

Why this matters to us at The Vision Works: Financial literacy is the foundation of every sound business decision we see — in founding, growth and crisis. Strengthening the part of the gap that can be trained is a concrete contribution, not a slogan.

fempower.finance

Eurostat's business-demography data show a consistent result for the EU-27 business economy: among the birth cohorts obs...
26/08/2026

Eurostat's business-demography data show a consistent result for the EU-27 business economy: among the birth cohorts observed from 2012 to 2015, only around 44–46% of newly born enterprises were still active five years later.

The figures do not tell us why some enterprises survive and others do not. What founders can influence is how robustly their business model is designed from the start — and today, robust increasingly means digital and sustainable at the same time, not as an afterthought.

Start-DSP builds entrepreneurship education for European universities that treats digital, sustainable and profitable as one skill set from day one.

Why this matters to us at The Vision Works: Supporting founders is the first pillar of our consulting work, alongside growth, crisis and succession. The best crisis prevention we know is a business model that's built right from the start.

www.start-dsp.eu

According to EIBIS 2025, 68% of EU firms had faced costs from extreme climate-related events, while 53% had taken action...
25/08/2026

According to EIBIS 2025, 68% of EU firms had faced costs from extreme climate-related events, while 53% had taken action to manage physical climate risks. Two years earlier, EIBIS 2023 found that only 13% of EU firms had insurance covering climate-related losses.

That distance — between being hit and being prepared — is what risk literacy means in practice.

PEARL (Promoting ESG Awareness and Risk Literacy in SMEs) builds exactly this capability through vocational education and training: helping small companies read ESG risks the way they already read cash flow.

Why this matters to us at The Vision Works: Crisis consulting is risk work. Nearly every crisis we accompany had early signals that were readable — for those trained to read them. PEARL moves that training to before the crisis.

www.esgforenterprise.eu

In the first large-scale global study of its kind, researchers surveyed 10,000 young people aged 16–25 across ten countr...
24/08/2026

In the first large-scale global study of its kind, researchers surveyed 10,000 young people aged 16–25 across ten countries. Published in The Lancet Planetary Health, the study found that 59% were very or extremely worried about climate change, 75% thought the future was frightening, and more than 45% said their climate-related feelings negatively affected their daily life and functioning.

Those are numbers universities cannot ignore: climate-related distress can affect how young people function from day to day.

RISE UP brings climate resilience education into higher education — supporting educators and students in working with eco-anxiety instead of around it.

At The Vision Works, we want to bring in our Climate, Transformation and Education Knowledge to support educators in adressing this important topic.

www.riseup-edu.org

Thirty Years On: Europe Updates Its Business Transfer GuidanceBusiness succession has been on the European agenda since ...
21/08/2026

Thirty Years On: Europe Updates Its Business Transfer Guidance

Business succession has been on the European agenda since 1994, when the Commission first issued a Recommendation on the transfer of small and medium-sized enterprises, followed by further work including a Communication in 2006.

On 22 June 2026, the Commission adopted a new Recommendation, announced the following day — renewing and replacing that three-decade-old framework.

The starting point is demographic: a growing number of small business owners across the EU are approaching retirement without a designated successor, with the potential to affect millions of companies over the next decade.
European Commission

The Commission is direct about the stakes. Where a transfer fails, jobs, know-how and economic value may be lost — and in the absence of European buyers, strategic European businesses may increasingly be acquired by foreign competitors and investors.
European Commission

For tourism, the scale is considerable. The EU's core tourism industry consists of 2.3 million businesses, mainly SMEs, employing around 12.3 million people and contributing 10% of EU GDP.
European Parliament

The updated Recommendation asks Member States to act on awareness-raising, legal and tax measures, financing, digital matchmaking platforms for buyers and sellers, and coordinated cooperation at EU level.

Why this matters to us at The Vision Works

We have spent years working with owners in exactly this position: businesses that function well, and a handover nobody has planned. Crisis consulting taught us that succession failures rarely come from bad businesses — they come from good businesses that ran out of time. That is why we joined Next GEN Tourism, and why we contribute what we know about business models, assessment tools and preparing owners for transition.

Website: https://nextgentourism.eu/

The World Sustainable Hospitality Alliance estimates that the hotel sector accounts for around 1% of global carbon emiss...
20/08/2026

The World Sustainable Hospitality Alliance estimates that the hotel sector accounts for around 1% of global carbon emissions. Its 2017 Global Hotel Decarbonisation Report found that, under the report's 2°C pathway, the industry would need to reduce greenhouse gas emissions per room per year by 66% by 2030 and 90% by 2050, compared with a 2010 baseline.

For a large hotel chain, that's a strategy project. For a family-run guesthouse, it's an enourmous challenge on top of everything else.

That's the gap the Erasmus+ project EcoSmart Hospitality works on: practical green and digital skills for hospitality SMEs, resources for VET providers, and insights for policymakers.

Why this matters to us at The Vision Works: In our consulting practice, sustainability rarely fails because of conviction — it fails because of capacity. Reduction pathways only become real when the people running the business have the skills to act on them.

www.ecosmartproject.eu

On 18 March 2026, the EU's Omnibus I Directive entered into force. It substantially narrows the CSRD's scope to undertak...
19/08/2026

On 18 March 2026, the EU's Omnibus I Directive entered into force. It substantially narrows the CSRD's scope to undertakings with more than 1,000 employees and net annual turnover above €450 million — while most SMEs remain outside mandatory reporting.

But sustainability data requests will not disappear. Large customers and banks may still seek ESG information. For CSRD value-chain reporting, the EU is introducing a cap on what reporting companies can require from businesses with no more than 1,000 employees. This protection is based on the EU's voluntary reporting standard, but it does not cover every bank or customer request.

Knowing what the voluntary standard covers — and what sits outside it — is becoming a practical skill for SMEs and their accountants. The ESG-AI project builds exactly these skills: AI-supported ESG reporting training aligned with ESRS and IFRS S1–S2.

Why this matters to us at The Vision Works: ESG data requests have become part of ordinary financing conversations in our consulting work. The Omnibus changed who must report. It did not make sustainability data requests disappear.

www.esgaihub.com

The social economy is bigger than most people think: across the EU-27, it counts more than 4.3 million entities employin...
18/08/2026

The social economy is bigger than most people think: across the EU-27, it counts more than 4.3 million entities employing at least 11.5 million people — 6.3% of everyone employed in the EU. Social enterprises alone employ at least 3.9 million people (European Commission benchmarking report).

An economic ecosystem of that size deserves practical tools for crisis preparedness and resilience.

RESPONSE develops resilience education for social entrepreneurs, built by partners from Ireland, Spain, Germany and Ukraine.

Why this matters to us at The Vision Works: Resilience is our daily business — we accompany companies through crises and out of them. Resilience can be built before it's needed, and that holds for social enterprises just as much as for any other company.

www.responseforresillience.eu

Tourism Businesses do not disappear quietly - What Happens When a Tourism Business Has No Successor?When a family-run ho...
08/06/2026

Tourism Businesses do not disappear quietly - What Happens When a Tourism Business Has No Successor?

When a family-run hotel, guesthouse, restaurant, activity provider or local tourism service closes because no successor is ready, the effects reach far beyond the owner.

It can affect:
• employees and seasonal workers
• local suppliers and producers
• destination diversity and regional identity
• tourism services in rural or less densely populated areas

Successful business transfers help maintain economic activity and preserve jobs by ensuring continuity. Buying or taking over an existing company can be a strong alternative to starting a business from scratch.

Many tourism SMEs are deeply embedded in their regions. They are not only businesses. They are part of the local visitor experience, part of the employment structure and often part of the cultural identity of a destination.

At the vision works, we believe succession readiness should become part of structured business education and SME support.
That is why we, together with our partners, established the NextGenTourism Project. This initiative is developing practical resources for VET educators, business advisors and tourism SMEs, including:
• modular training resources
• practical tools and case studies
• a digital Succession Readiness Assessment Application
• an open Knowledge Hub for long-term access

Source: European Commission, Business Transfers
Project: NEXTGen Tourism
Project Website: https://nextgentourism.eu/



Project Partners
University of Akureyri / UNAK: https://www.facebook.com/haskolinnaakureyri
MCI Management Center Innsbruck: https://www.facebook.com/MCInnsbruck/
Development Centre of the Heart of Slovenia / Razvojni center Srca Slovenije: https://www.facebook.com/the.heart.of.slovenia
Momentum Educate + Innovate: https://www.facebook.com/MomentumEducateInnovate
The Vision Works / TVW GmbH: https://www.facebook.com/thevisionworkstvw
NextGEN Tourism Project
Gairmeach Training Limited

World Environment Day: turning awareness into practical changeToday, on World Environment Day, we are reminded that envi...
05/06/2026

World Environment Day: turning awareness into practical change

Today, on World Environment Day, we are reminded that environmental protection is not a side issue. It is directly connected to how we learn, work, build businesses, manage resources, support communities, and prepare for the future.

At The Vision Works, this connects directly to our vision and our work across several European projects. Examples of our current work are:

RISE UP supports transformative climate education in higher education. The project equips future academics, scientists, professionals, educators, and students with the knowledge, skills, and resilience needed to respond to the climate crisis. It focuses not only on climate awareness, but also on socio-ecological transformation, resilience, eco-distress, and the role of educators and learners as agents of change.

EcoSmart Hospitality supports Europe’s hospitality sector in combining sustainability with digital transformation. The project develops resources for SMEs, VET providers, educators, and policymakers, helping hospitality businesses adopt eco-friendly practices, improve operational efficiency, strengthen digital readiness, and build a more resilient and future-ready sector.

CLARITY reimagines climate education by helping children and young people move from climate anxiety towards resilience, connection, creativity, and regeneration. The project brings together psychology, pedagogy, arts, and sustainability science, placing emotional competence, imagination, values, and collective agency at the centre of climate learning.

DARE – Diversities are Reviving Enterprises focuses on diversity and inclusion as drivers of SME growth, innovation, and workplace equality. While its core focus is inclusive entrepreneurship and the better use of diverse talent, DARE also contributes to a broader understanding of sustainable enterprise.

Start-DSP supports entrepreneurship education by helping educators and students engage with digital, sustainable, and ethical business practices.

We also want to use this occasion to thank all the partners we work with across our European projects. Environmental and social transformation depends on collaboration, shared expertise, and the willingness to develop practical solutions together. We are grateful for the universities, VET providers, SMEs, NGOs, innovation organisations, educators, and sector experts who help turn these ideas into real outcomes.

For us, World Environment Day is not only a date in the calendar. It is a reminder that transformation depends on education, cooperation, and the ability to turn complex environmental goals into concrete action.

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