Lume Financial Intelligence: Monthly Finance System for Agencies

Your monthly financial intelligence. Built once, running every month.

The core Lume offer: a financial model and KPI dashboard built around your business, monthly reporting we run for you and deliver by the 10th, and a human-reviewed view of margin, cash, and what's about to happen next.

€950/month

+ €1.500 one-off setup · 3-month minimum

7 business days from kickoff to first report

~10 minutes of your time per month

By the 10th, your monthly report, every month

Cancel with 30 days notice after the 3-month minimum

WHAT YOU GET

A financial operating system. Built around your business.

Built during setup, refreshed every month thereafter. Your numbers stay current. The reports arrive on time. We stay on the work with you.

✓

Custom KPI dashboard

Tailored to your business, margin per client, utilization, revenue per employee, retainer mix, pipeline health. The metrics that actually decide whether you can hire, raise, or drop a client.

✓

Cash forecast & runway model

Cash 3-6 months forward. Scenario tools: what if a major client churns? Payroll up 15%? Invoices paid 15 days later? You see the impact before you make the call.

✓

Monthly report by the 10th

Every month: KPIs, margin trends, cash position, 3 actions that matter most this month. AI-drafted, human-reviewed before it reaches you. Land in your inbox by the 10th.

✓

Client profitability tracking

Revenue minus true delivery cost, per client, every month. See the picture change as you make pricing changes, drop clients, or adjust scopes. Margin movement is visible, not hidden.

✓

Scope creep & utilization tracking

Quoted vs. actual hours, aggregated monthly. Team utilization rates. Capacity ceiling. The leading indicators of margin loss, surfaced before they become quarterly problems.

✓

A dedicated analyst

Someone who knows your business and reviews every number before it reaches you. Not a chatbot. Not a generic templated report. A human reading your numbers each month, and flagging what matters.

A focused setup week, then a steady monthly rhythm.

The system is built in the first week. After that, it runs every month with about 10 minutes of your time.

Discovery call Day 0 · Free

30-minute conversation to confirm fit and understand the shape of your business. No pitch.

Setup & build Week 1

We build your financial model, KPI dashboard, and reporting infrastructure. You provide source data; we do the work.

First report delivered Week 2

Your first monthly report lands. Walkthrough call to make sure the numbers and the framing match how you think about your business.

Monthly intelligence Every month, by the 10th

Short input form on the 1st (~10 min). Report by the 10th. KPIs current, cash forecast updated, risks flagged, top 3 actions for the month. Repeat.

Honest about who Intelligence is for, and who it isn't.

Intelligence is for you if

✓ You're a founder-led agency doing €20K+/month in revenue

✓ You want financial visibility every month, not just at year-end

✓ You're making real decisions (hiring, pricing, dropping clients) and need data behind them

✓ You'd rather pay €950/month for a system than spend that time building one yourself

✓ You have a bookkeeper handling compliance and want a layer above that

Intelligence is probably not for you if

✗ You're pre-revenue or doing under ~€15K/month, start with a Clarity Session first

✗ You're looking for bookkeeping, tax, or compliance work

✗ You're not willing to share monthly financial data

✗ You want a passive dashboard with no human review behind it

✗ You're already working with a CFO and the gap doesn't exist for you

Not ready to commit monthly? Start with Clarity.

€1.500 → €0

Clarity credited in full against month one

Test the work before signing up for the monthly system.

Run a Clarity Session first: €1.500, one-off, two weeks. You get a written read of your agency, the three moves that matter most, a 90-minute working session, and a clear picture of whether ongoing Intelligence is worth it for your business.

If you upgrade to Financial Intelligence within 90 days, the €1.500 is credited in full against your first month. You pay once. You decide twice.

Before you book.

Your bookkeeper handles compliance, VAT, payroll, tax reporting. Lume handles strategy, what's about to happen and what to do about it. The two roles are designed to complement each other. Your bookkeeper keeps doing what they do best, and Lume takes the strategic questions off their plate.

You could. The real question: will you update it every month? Will you spot the anomaly the month it happens, not the quarter after? What Intelligence provides isn't just a model. It's the discipline, the automation, and a dedicated analyst who reviews every number before it reaches you.

The first month builds the system. The second month proves it's working. The third month is when most clients start making real decisions off the data. After that, you can cancel anytime with 30 days notice, but most clients stay because the picture compounds over time.

That's the Strategic Partner tier, same monthly system underneath, plus a monthly decision pack, scenario modeling, and monthly strategy calls with our Senior Partner. Most agencies move up around €50K/month in revenue or when they're facing a major decision (capital raise, big hire wave, repositioning).

Yes. Every report we deliver, every model we build, every dashboard we set up, yours. If you ever leave Lume, the data and deliverables leave with you. No lock-in beyond the 30-day notice period.