Margin clarity, cash forecasting, and the decisions your bookkeeper can't help you with. For the price of one underpriced client. Built by senior finance professionals for founder-led marketing and digital agencies in Europe.
SOUND FAMILIAR?
Three signs you're at the stage where financial visibility hasn't kept up with the growth.
You're busy, the team is growing, clients are paying. But when you look at the bank account, the numbers don't add up. Margin is leaking somewhere. You just can't see where.
Should you hire? Raise prices? Drop that client? You're making calls on instinct because there's no structured view of what the numbers actually say about the consequences.
You get a tax return and a year-end report. Nobody tells you what's about to happen to your cash, your margins, or your runway. By the time you see it, it's too late.
WHAT WE DO
We build the infrastructure that gives you steady, measurable, ongoing financial clarity, and keep it running for you, month after month.
We go deep into your real numbers: revenue, margins, costs, cash. We surface where profit is leaking, what's at risk, and the highest-impact moves you can make. Each one quantified in euros.
Clarity Session or Intelligence SetupWe build a financial model tailored to your business: KPI dashboard, forecast engine, scenario tools, and cash runway model. Then we run the monthly reporting, so you get the answer, not the work.
Financial IntelligenceEvery month, your report lands, your numbers, reviewed by an analyst, ready to act on. For founders making bigger calls, the Strategic Partner tier adds monthly strategy calls and decision packs to the engagement. Decisions backed by data.
Strategic PartnerEU data processing, Dutch-registered
Every report checked before delivery
Automated analysis, zero manual errors
THE RESULT
WHO THIS IS FOR
Your revenue is up, but the money doesn't feel like it. Margin leaks quietly, retainers blur into projects, scope creep eats hours nobody's tracking, and your “cash forecast” is whatever your bank balance says today.
Lume is built for exactly this. A system shaped around how agencies actually run.
We bring on a handful of new clients each quarter. Founder-led marketing or digital agencies, working alongside your bookkeeper. If we believe our intelligence system will benefit you, we'll say so. If not, we'll tell you that too.
WHAT WE DO DIFFERENT
Your accountant handles compliance. A CFO costs €90K. Lume fills the gap with financial intelligence that's forward-looking, automated, and built for the decisions you actually need to make.
Strategic financial analysis and decision support for growing businesses.
A financial intelligence system built and customised for your business, not a generic dashboard.
Forward-looking intelligence. What's about to happen. Where the risks are. Cash in 90 days.
AI-accelerated, human-reviewed reporting. Every number checked by an analyst before it reaches you.
Productised delivery. Predictable price, predictable rhythm, no scope drift.
Your data, always. If you leave, your reports and data leave with you.
Bookkeeping, tax, or compliance. Your bookkeeper does that. We work alongside them.
A dashboard tool you have to figure out yourself.
Ad-hoc consulting with variable quality and unpredictable cost.
Regulated financial, investment, or legal advice.
The final call. The decisions stay yours, always.
Implementation. We map the moves. Your team runs them.
Three paths
Each path is a complete piece of work, priced clearly. The Clarity Session is credited in full against your first month if you continue within 90 days.
One complete read of your agency's finances. The three moves that matter most, each modelled.
Your financial intelligence system. Built, maintained, and running every month.
Your monthly financial co-pilot. Every decision backed by data.
Three steps. No complexity.
A free 30-minute conversation to understand your situation. We figure out whether Lume is the right fit and which path makes sense.
We go deep into your numbers, build the financial model, and set up the monthly reporting we'll run for you. Results from the first week.
Your monthly report arrives in your portal where you can download and view it. KPIs tracked, cash monitored, risks flagged. You fill in one form. We handle everything else.
Common questions
More questions? See the full FAQ →
Book a free 30-minute discovery call. No pitch. No obligation. We'll figure out whether Lume is the right fit for your business.
Book a Free Discovery Call
