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30 min · free
Discovery call
We learn about your agency, team size, revenue model, service mix, current finance setup. We'll tell you in the first 5 minutes whether Lume is a fit.
Free 30-min call · No pitch · We'll tell you in 5 minutes if it's a fit
SOUND FAMILIAR?
You're winning clients, delivering work, and growing the team. Under the surface, most agencies at your stage share the same four gaps.
Some clients look great on paper but eat margin through scope creep, underbilled hours, and hidden delivery costs. A real client-level P&L answers it cleanly: the retainer covers the invoice, but does it cover the cost?
You quoted a retainer for 40 hours. The team delivered 55. Nobody tracked the gap. That's 15 hours of free labour, every month, across every client.
Industry: 15-30% of project value lost to unbilled scope
Staff is your biggest cost. But you don't know your utilization rate, your capacity ceiling, or what revenue a new hire needs to generate to break even. A wrong hire at €45K/year sitting at 60% utilization is roughly an €18K annual loss.
Industry: 60-75% of cost is people
Project invoices create 30-60 day gaps while payroll is monthly. One late-paying client throws the whole month off. You don't have a forward view of cash, you're reacting to the bank balance, not anticipating it.
THE REALITY
Industry research, not Lume claims. This is the environment your agency is operating in.
Sources: agency-economics research, public industry benchmarks. Cited as context, not findings from Lume engagements.
WHAT WE BUILD FOR YOUR AGENCY
A financial model designed around the way marketing agencies actually work: retainers, projects, utilization, and client portfolios. Customised to the shape of your business.
See exactly which clients are profitable and which are margin-negative. Revenue minus delivery cost, per client, every month.
Track what percentage of your team's available hours are billable. Know your capacity ceiling before you need it, and spot underperformers early.
The single most important metric for agency profitability. See it monthly, compare it to benchmarks, and know when you can actually afford to hire.
Scope creep becomes visible. Every project's quoted vs. actual hours, aggregated monthly. Finally see where the margin leakage is happening.
See your cash 3-6 months forward. Toggle scenarios: what if your biggest client leaves? Payroll up 15%? Invoices paid 15 days later?
Understand the balance between recurring and one-off revenue. Track client retention and pipeline health to reduce concentration risk.
What happens if you raise retainer prices 10%? Switch to value-based pricing? See the margin impact before you make the change.
Every month by the 10th. AI-drafted, human-reviewed, with a plain-language summary and the 3 actions that matter most this month.
WHAT THIS LOOKS LIKE IN PRACTICE
An illustrative scenario built from real agency-economics patterns. We won't show you fabricated client wins. This is the kind of analysis a first Clarity Session is designed to deliver. Real client cases will replace this scenario as they accumulate.
Illustrative scenario only. Specific figures and the order of priorities will vary by business. The point of a Clarity Session is to surface the version of this picture specific to your agency, and to quantify each finding in euros, so you know which move matters most.
HOW IT WORKS
We learn about your agency, team size, revenue model, service mix, current finance setup. We'll tell you in the first 5 minutes whether Lume is a fit.
You provide your financial data, P&L, client list, team costs, pricing structure. We build your agency-specific model and KPI dashboard.
Deep dive into your numbers. We identify margin leaks, pricing gaps, utilization issues, and cash risks. Your report arrives with the three moves that matter most.
Your report lands every month by the 10th. AI-drafted, human-reviewed. Client profitability, team utilization, cash runway, and the 3 actions that matter most this month. Your time: 10 minutes.
INVESTMENT
One-off read of your agency, delivered in two weeks. €1.500. Credited in full against your first month if you continue to Intelligence within 90 days.
Clarity Session details →For agencies €50K+/month who want monthly strategy calls, scenario modelling, and decision packs alongside the system. €4.500/month, includes everything in Intelligence.
Strategic Partner details →WHO'S BEHIND THIS
The operator lane: building the system, running the rhythm.
I founded Lume to give founder-led agencies the forward-looking finance function that usually only arrives with a full-time hire. I spent more than a decade in senior finance at companies like Booking.com and Sunrock, then I started working independently with founder-led startups and scale-ups. That's where the same pattern kept surfacing: sharp founders making big decisions without the financial clarity to back them, because a full finance team isn't realistic at their stage. Lume is what I built in response. Every discovery call is with me, and I stay your point of contact throughout.
Focus inside Lume Diagnostic engagements, financial system build, client onboarding, reporting infrastructure, and monthly delivery rhythm.
The strategy lane: modeling, scenarios, the decisions that matter.
Sindhu leads the strategy behind Lume: the financial modeling, scenario planning, and the numbers behind the decisions that carry the most weight. Eight years of senior FP&A and strategic finance, proven on capital structuring and due diligence at the Dutch development bank and a fast-growing infrastructure company. Institutional rigor, pointed at your agency's decisions.
Focus inside Lume Strategic depth: financial modeling, decision packs, monthly strategy calls, scenario modeling, and the Strategic Partner tier.
READY?
Book a 30-minute discovery call. No pitch. No obligation. We'll tell you in the first five minutes whether Lume fits your agency.