beginr execution roadmap
Fractional FP&A as a Service
A monthly forecast, a living budget model and a numbers review for bootstrapped EU SMEs, priced to sit under the fractional-CFO line.
- Category
- Agency
- Difficulty
- Moderate
- Revenue potential
- Solid
- Startup cost
- €1.5k
Executive summary
FP&A-only retainers for EU small and mid-sized companies can work as a narrow service. They won't ever become a venture-scale business.
People do pay for outsourced finance help. Dedicated FP&A retainers (planning and forecasting work) run €4k-€8k per month, and broader part-time CFO work runs €5k-€15k per month.
The clearest opening is a planning-only offer at about €1,500-€3,000 per month. You do rolling forecasts, track budget against actuals, give them a 13-week cash view, and run one review call a month.
Your best edge is being local and actually doing the work. If you can build models across several legal entities and currencies, say a German GmbH and a Dutch BV together, you solve a real onboarding and consolidation problem that offshore or US-first firms handle badly.
The hard part is credibility. Small companies won't let you own their forecast unless you have a real finance background. And you can't grow past a handful of clients without the work getting worse.
- Price below part-time CFO retainers but above what self-serve software costs.
- AI takes out the manual work. Judgment and building the model still have to be done by a person.
- Your best early clients come from your own network and referrals from accountants.
- This works best as a high-cash agency you run yourself.
Unlock the full roadmap
You've seen the opening. Unlock the complete, sourced execution plan: market sizing, competitor map, MVP/PRD spec, SWOT, a 90-day roadmap, financials, and KPIs — every claim sourced — plus the print-ready PDF and a personalized investor & sales pitch deck (PDF and editable PowerPoint).
Single roadmap
- Your #1 match, in full
- Step-by-Step 90-Day GTM Blueprint
- Editable 3-Year Financial Model (XLSX)
Validate your top 2 persona matches
- Pick any 2 roadmaps
- Compare your top matches
- Lower price per roadmap
3 roadmaps
- Pick any 3 roadmaps
- Compare your top matches
- Best price per roadmap
Not sure it's your best move? Take the free assessment and see how this idea scores for you.
Questions, answered
What do I actually get each month?
You get a rolling forecast, budget-versus-actual tracking, a 13-week cash view, and one monthly review call. The offer is intentionally FP&A only, not a full CFO bundle.
Can you handle multiple entities and currencies?
Yes, the wedge is built for EU-local complexity like multi-entity, multi-currency consolidation. That matters for groups such as a German GmbH and a Dutch BV.
Why not just buy software?
The model design, assumptions, and monthly judgment are still human-led, even if AI speeds up transcription, variance commentary, and pulling actuals from tools like Xero, DATEV, Exact, or Pennylane. Clients are paying for the retainer because they need that planning work done with context.