13-Week Cash-Flow Forecasting for Agencies

This is a done-for-you cash-flow forecasting service for EU agencies. The pain is clear, and you can deliver it with AI help.

Take an owner-run agency doing between EUR 500k and EUR 5M. Cheap DIY forecasting tools fall apart after you set them up. A part-time CFO on retainer costs too much until you're around EUR 2M in revenue. These agencies are stuck in the middle.

Late payments are a permanent problem in Europe. In 2024, more than half of EU companies said they got paid late, and the average wait still runs past 60 days.

The best version of this isn't just software. It's a paid setup project plus a monthly retainer, where you deliver a rolling 13-week model, warn them about tight weeks, and give the owner a report they can actually read.

AI can cut a lot of the manual work: sorting transactions, guessing when money will come in, writing up the summary. That means one person can run this alone before needing to hire.

• This works best where payroll and VAT timing keep causing stress, because that stress comes back every month.
• Competitors don't lose on the forecasting math. They lose on keeping it updated, factoring in the sales pipeline, and giving reports the owner can decide from.
• The business makes sense operationally, but only if your bookkeeping is disciplined and you look like you know finance from day one.