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Financial management by subscription

A real CFO from 399 euro a month.

They read your company’s numbers every day and help you decide before, not after. Because the financial statements arrive in May, and you make decisions today.

See how much you can save Book a demo

CFO Digital with annual payment. One-off activation 990 euro. See the plans

From automatic data to the calculation engine with AI agents, to the CFO who analyses and approves, to decisions on cash planning, EBITDA, DSCR and margin

You are deciding in the dark.

It happens even with management software that works and a good accountant.

  1. Late financial statements

    It arrives in May, and talks about a year that is already over.

  2. The bank asks, you don’t have it

    The bank wants a plan and your cash position for the coming months. You have last year’s financial statements.

  3. Blind margins

    You know how much you invoiced. You don’t know how much you earned, on which client, on which product.

  4. Gut-feel decisions

    You hire, invest, offer a discount. Without knowing what it costs you.

It is not an accounting problem. It is a management problem.

What deciding in the dark costs you.

euro
euro
days

Your sector median: 85 days.

What you keep every year

about 0 euro

What you can recover
0 euro
Your CFO Digital
5,388 euro
You keep
0 euro

Cash tied up in receivables

0euro

You collect 0 days after your sector median. Keeping that cash tied up costs about 0 euro a year, at 4.4%.

Margin slipping away

0euro a year

1.5 points of margin on revenue, between frozen price lists, discounts, loss-making jobs and unmonitored fixed costs. Finance Partners estimate.

Debt paid dearly

0euro a year

One extra point of interest on bank debt, because the bank sees an old balance sheet and not your numbers.

And if the company gets into trouble

up to 0 euro of your personal assets

Without adequate structures, in a crisis creditors can claim the company’s debts from those who run it.

What the law says

Whoever runs a company must give it adequate organisational, administrative and accounting structures, meaning the organisation and controls needed to spot difficulties in time (article 2086 of the Italian Civil Code).

If they do not, and the company cannot pay, they are liable to creditors with their own assets (article 2476 for S.r.l.). The damage is presumed equal to the equity lost from the moment the company should have been stopped (article 2486).

Proof of damage is always required, it is not automatic. The amount shown is an order of magnitude based on your bank debt, not an estimate of the damage.

Estimates on your numbers, not a diagnosis. Collection days: sector medians across 18,656 Italian SMEs with revenue from 4 to 40 million, 2025 financial statements, source AIDA. Cost of idle cash: Bank of Italy rate on new loans to businesses up to 1 million, August 2026. Margin and spread: prudent Finance Partners assumptions.

Want the real numbers instead of estimates?

Take the Instant Check-up Book a demo

Three steps, no leap in the dark.

From the first conversation to decisions, with your CFO.

  1. 1

    A thirty-minute call

    We talk about your company and work out together whether we can help.We look at your situation with your dedicated CFO and tell you whether we can help.

  2. 2

    Setup, in a few weeks

    We connect your accounting system, analyse the data and set the first priorities.We connect to your management software, retrieve the history of recent years and reclassify it with the Finance Partners method. The result is a first reading, with the first points to watch.

  3. 3

    Then, every month

    You get the report, meet your CFO and follow your updated FP-Score.The report on your company with your CFO’s reading and a meeting to decide what to do. Every quarter, your company’s health score, the FP-Score.

Your CFO has a name and a face.

Every company has its own CFO, with at least ten years of experience. They reply by the next working day.

  • Matteo NardiniMatteo Nardini20 years of experience. Industry, trade and services. Lucca.
  • Alessandro LazzeriAlessandro Lazzeri27 years of experience. Industry, boatbuilding and trade, in international groups. Pisa.
  • Massimo RomaniMassimo Romani36 years of experience. Industry, construction and services. Bologna.
  • Mauro MarcucciMauro Marcucci30 years of experience. Industry, construction, logistics and energy. Modena.
  • Maria Elena MarencoMaria Elena Marenco21 years of experience. Services and hospitality, management control in SMEs. Turin.
  • Piero SantantonioPiero Santantonio24 years of experience. Industry, services and technology. Pesaro.
  • Vittorio BegaVittorio Bega37 years of experience. Industry, food, fashion and trade. Novara.
  • Gabriele FurlanGabriele Furlan42 years of experience. Industry, food, trade and logistics. Venice.
  • Gabriele Pacini40 years of experience. Industry, technology and healthcare. Lucca.
  • Federico PastineseFederico Pastinese39 years of experience. Industry, food, fashion and trade. Turin.
  • Stefano MancabelliStefano Mancabelli37 years of experience. Industry, trade and hospitality, in international groups. Milan.
  • Luca FranceschiniLuca Franceschini26 years of experience. Industry, fashion and luxury, in international groups. Treviso.
  • D. T.20 years of experience. Investor relations and governance. Bergamo.
  • Salvatore MontagnaSalvatore Montagna25 years of experience. Industry and healthcare. Monza.

Scroll to see all the CFOs

We work alongside your accountant, not in their place, and give them free access to your numbers. How we work with accountants

What you see every morning.

Aura is the platform your CFO uses to read your numbers.
What you see here has already been checked by them.

Your CFO’s dashboard on a laptop, with the company health score, four indicators, the EBITDA bridge and adequate structures

Four of the many things you find in the dashboard.

  1. FP-ScoreA 0 to 100 score of your company’s health, based on 29 checks in six areas. It tells you where to act.
  2. Four indicatorsGrowth, margins, liquidity and debt. All under control, at a glance.
  3. EBITDA bridgeEBITDA is the margin left before interest, taxes, depreciation and amortisation. The bridge shows you why it changed, item by item.
  4. Adequate structuresThe organisation and controls needed to spot difficulties in time, which Italian law requires of every company (article 2086 of the Civil Code). See what is missing and what to do.

Data from a fictional company. The dashboard also includes the 13-week cash forecast, collections and payments customer by customer, comparison with your sector, reports and documents. The real dashboard is your CFO’s working tool.

AI analyses the numbers. Your CFO interprets them and helps you decide. See how they work in our Method.

Your CFO has a devil’s advocate.

Before a reading reaches you, Irene, one of your CFO’s AI agents, tries to take it apart. She looks for the weak assumption, the figure that does not add up, the worst case. If the reading holds, your CFO sends it to you. If it does not, they redo it.

Meet the team of agents in the Method

Companies that have stopped deciding in the dark.

EAEvantra AutomobiliMYMY GroupGGenus1975RERecanati EuropePProgressoLLIMPEEAEvantra AutomobiliMYMY GroupGGenus1975RERecanati EuropePProgressoLLIMPE

Start with CFO Digital. Then choose from the marketplace only the services you need.

Want your CFO on site? Choose a Classic plan.

Remote CFO Digital 449 euro/month
  • Dashboard connected to your management software
  • Your CFO on chat, WhatsApp and Teams
  • 13-week cash forecast and budget
  • Monthly report with actuals, budget and prior year
  • Monitoring of adequate organisational, administrative and accounting structures
  • FP-Score updated every quarter
One-off activation setup of 990 euro. On site Classic plans 2,990 from 2,490 euro/month Launch price for the first 6 months Your CFO in the company two days a month, with the full Finance Partners method: Start, Crescita, Partner.

In every plan your CFO works with a team of AI agents, including the devil’s advocate. They are included, at no extra cost. From the marketplace you choose individual modules or packages as you need them, priced according to the size of your company.

See plans and pricing

The first step is measurement.

A first picture of your company. The report reaches your inbox in a few minutes. Then, if you wish, thirty minutes with your CFO.

Take the Instant Check-up Book a demo

Adequate organisational, administrative and accounting structures are built before financial strain sets in. Afterwards, room for manoeuvre has already narrowed.