Fractional CFO · AI-native · Built for European SMEs

Your CFO, without the
€200,000 salary.

Cash flow forecasting, board reporting, FP&A, investor relations and financial controls — run by a fractional CFO backed by AI. From €500/month.

No accountant required · No credit card · Cancel any time

What your CFO actually does

Six functions. One fractional hire.

Tap any tile to see exactly what your CFO delivers — and what it means for your business.

💧
Cash Intelligence
Know your runway to the day
Week 1Week 13 — Crisis point
⚠ 22 days cash remaining without intervention

13-week rolling cash model. Zero unforecast surprises.

📋
Board Reporting
Board packs that close rounds
board-pack-q1-2026.pdf
Executive Summary
P&L vs Budget
Cash Flow
KPIs
Risks
Outlook

Investor-grade reports generated every quarter. CFO presents.

🎯
Financial Diagnostic
Where does your finance function stand?
41/60
Steward & Controller
Stage 02 / 03

20 questions. AI analysis. Instant CFO brief.

🤖
AI CFO Chat
Ask your CFO anything
Y
What is our cash runway if revenue drops 20%?
CFO
Based on your current burn of €42K/mo and €380K cash, you have 9 months. A 20% revenue drop extends burn to €48K — runway drops to 7.9 months.

Claude-powered. Knows your numbers. Available 24/7.

📊
FP&A Engine
Model every major decision
Base
480K
38%
Upside
620K
44%
Downside
320K
28%
RevenueMargin

Driver-based models. Hiring, pricing, expansion — all modelled.

📈
Investor Readiness
Always 30 days from raising
ARR Growth
+127%
Gross Margin
68%
Burn Multiple
1.4×
↓ risk
Runway
18 mo

Data room, KPIs, lender packages. Raise on your terms.

0%

of scaling companies hit a cash crisis before hiring a CFO

KPMG, 2024

0K+

full-time CFO annual cost — beyond reach for most growth-stage companies

Robert Half, 2025

0 mo

average delay before founders act on a broken finance function

Deloitte CFO Survey, 2025

How it works

Your CFO function, running in 24 hours

01
🎯
Assess your finance function

A free financial maturity assessment benchmarks you across 5 dimensions. Pinpoints exactly where your business is exposed — and what a CFO would fix first.

02
We connect your financial data

Link Xero, upload bank statements, or enter numbers manually. From day one: automated cash monitoring, weekly reports, tax alerts, and board-ready financials.

03
📊
Your CFO runs on autopilot

Monday morning briefings, monthly board packs, investor one-pagers, FP&A scenarios, and runway alerts — delivered automatically so you focus on the business.

Pricing

CFO capability at every stage

From free diagnostics to full fractional CFO engagement.

Free
€0forever

Know where you stand

APEX OS
  • Financial Maturity Assessment
  • Personalised CFO intelligence brief
  • 5-dimension health score
  • 90-day action plan
Start Free
Micro
€500/month

For 1–3 person companies. No accounting software.

APEX OS
  • Bank statement CSV upload
  • Monday morning WhatsApp briefing
  • Cash runway calculator
  • VAT & tax reminders
  • AI CFO bot (ask anything)
  • 1 quarterly CFO call
Start Free Trial
Starter
€1,500/month

For teams on Xero or QuickBooks.

APEX OS
  • Everything in Micro
  • Xero / QuickBooks live sync
  • Weekly automated email report
  • AI CFO Chat (sees your real data)
  • Budget vs actuals tracking
  • Quarterly board narrative
  • 1 CFO day / month
Get Started
Growth
€3,500/month

Full automated CFO function.

APEX OS
  • Everything in Starter
  • Daily cash model (automated)
  • Monthly board pack PDF
  • FP&A scenario modelling
  • Peer benchmarking by sector
  • Phantom CFO workers
  • 2 CFO days / month
Book a Call
Strategic
€6,500/month

Embedded fractional CFO.

APEX OS
  • Everything in Growth
  • 3+ CFO days / month
  • Board meeting attendance
  • Investor relations support
  • M&A / fundraise readiness
  • Covenant compliance
  • Unlimited seats
Book a Call
📊

CFO-level visibility.
From day one.

Start with a free financial assessment. Then connect your data and let your CFO function run automatically.

Start Free Assessment →

No credit card · No accountant required · Cancel any time