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Three paths to financial clarity.

Every service is designed to deliver measurable value from day one. And create a natural path to the next level when you're ready. No lock-in. No complexity you don't need.
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CHOOSE YOUR STARTING POINT

Three ways to work with Lume. Start where it fits.

Every engagement starts with the same thing: a deep look at your real numbers. From there, the path branches, a one-off diagnostic, a monthly system, or a deeper strategic partnership.

01

Lume Clarity Session

One-off · two-week delivery

One complete read of your agency's finances. The three moves that matter most, each modelled.

€1.500 one-off
  • Complete read of your agency's finances
  • The three moves that matter most, modelled
  • Cash truth, margin per client, 90-minute working session
  • Delivered in two weeks
  • Credited against month one if you continue within 90 days
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MOST POPULAR
02

Lume Financial Intelligence

Monthly system · the core offer

Your financial intelligence system. Built, maintained, and running every month.

€950 / month+ €1.500 setup · 3-month minimum
  • Custom KPI dashboard & financial model
  • Monthly reporting we run for you
  • Cash runway and forecast engine
  • Human-reviewed monthly report
  • 10 minutes of your time per month
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03

Lume Strategic Partner

Monthly · with strategy layer

Your monthly financial co-pilot. Every decision backed by data.

€4.500 / month+ €1.500 setup · 3-month minimum
  • Everything in Financial Intelligence
  • Monthly decision pack and strategic brief
  • Monthly strategy calls
  • On-demand scenario modeling
  • Risk flags and early-warning alerts
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Not sure which path is right? Book a free 30-minute discovery call. We'll figure it out together. No pitch, no obligation.

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The lowest-risk way to start

The Clarity → Intelligence credit.

€1.500
€0
Credited in full against month one

Test the work before committing to anything monthly.

Start with a Clarity Session, €1.500 paid once, delivered in two weeks. You get a written read of your agency, the three moves that matter most, and a 90-minute working session.

If it's the right fit and you upgrade to Financial Intelligence or Strategic Partner within 90 days, the €1.500 is credited in full against your first month. The read that convinced you costs you nothing on top.

Side by side

What you get in each engagement

A scannable view of what's included where, so you can see which fits your situation.

What you get Clarity Session€1.500 one-off Financial Intelligence€950/mo + €1.500 setup Strategic Partner€4.500/mo + €1.500 setup
Full read of your finances✓ Delivered once✓ Included in setup✓ Included in setup
Three moves that matter most, modelled✓✓✓
Custom KPI dashboard & financial model×✓✓
Monthly report by the 10th×✓✓
Cash runway & forecast engine×✓✓
Monthly decision pack & strategic brief××✓
Monthly strategy calls××✓
On-demand scenario modeling××✓
Risk flags & early-warning alerts××✓
Your time commitment per month~3 hours during the Session~10 minutes~10 minutes + strategy calls

See each service page for full commitment details and pricing tiers.

HOW THE SERVICES CONNECT

Two ways in. One path forward.

Most clients start directly with Intelligence. Some prefer to test the waters with a Clarity Session first. Both paths lead to the same place: ongoing financial clarity.

1
Free · 30 min

Discovery Call

We figure out the right fit.

2
Primary path

Financial Intelligence

System built + monthly reports.

3
When you need depth

Strategic Partner

Decision packs + strategy calls.

Alternative entry: Clarity Session (€1.500 credited against month one within 90 days) → Intelligence → Partner

BEFORE BOOKING A CALL

Four questions founders ask. Four honest answers.

Each of these is a real conversation a founder has with themselves before working with us. Here's how we'd answer each one, honestly.

The Bookkeeper Question
"Won't my bookkeeper handle this?"
Your bookkeeper handles compliance, tax, and reporting what already happened. 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.
The CFO Question
"What about a fractional CFO?"
A fractional CFO at €3,000 to €7,500 per month makes sense once your business needs full-time strategic finance, typically at €1M+ in annual revenue. At your stage, you don't yet need a full strategy hire. You need monthly clarity on margin and cash at a price that pays back. Lume is built for that specific gap.
The Tool Question
"Could I just buy a BI tool?"
Dashboard tools give you data. Lume gives you decisions. A chart showing your utilization rate is useless if nobody explains what it means and what to do about it. Every Lume report ends with the 3 actions that matter most this month, in plain language, quantified in euros.
The Timing Question
"Do I really need this right now?"
You know your revenue. You probably know your rough costs. But do you know your profit per client? Your real utilization rate? Your cash position 90 days from now? The agencies that grow sustainably are the ones that see clearly. That's what Lume installs.

Not sure which is the right fit? Let's figure it out together.

Book a free 30-minute discovery call. No pitch, no obligation. We'll tell you in the first five minutes whether Lume is the right fit, and which path makes the most sense for your situation.

Book a discovery call → Read the FAQ