Fractional CFO services for startups & SMEs

Your fractional CFO.
Your full finance department.

AI and automation, built into your finance function.

Built for your next stage.

Make decisions with current numbers and a finance team that follows through. We manage your daily accounting, reporting and forecasting, with a full weekly CFO review and AI and automation built into the work.

AI, automation & your finance team

From transaction.
To decision.

AI reads and assists. Your systems calculate. Your finance team validates. Your CFO leads.

Ecommerce & retail

Orders, refunds, settlement reports, marketplace fees, stock movements and purchase orders join bank, payroll and supplier records.

The financial question

Which channels produce contribution after returns, fulfilment and acquisition costs—and how much cash does the next stock order require?

Explore this industry’s finance pack ↗
MakeWorkflow example
Make.com & authorised APIs.
Triggers & schedulesValidation & routingControlled workbook updatesError alerts
Illustrative workflow Financial inputsSelect a stage for the detail

Green: accounting & reporting flowPurple: reviewed business data, assumptions & AI contributions

CFO oversight throughout. Accounting policies, approval limits and reporting requirements guide every stage.

Explore the workflow

Choose a stage to inspect its inputs, outputs and review responsibilities.

Back to the full workflow ↑

From source records to decisions you can act on.

Your business systems supply the records. Make and authorised connections route them through validation, accounting, reporting and analysis. Claude assists inside the reporting process; your finance team validates the numbers and your CFO approves the interpretation before delivery.

Input
Industry systems, source documents and approved assumptions.
Work
Connect → validate → reconcile → model → review → deliver.
Output
An approved management pack, current forecasts and a record of actions.
Ownership
Accountant validates records; CFO reviews the model and recommendations; client approves business decisions.
DailyBookkeeping & reconciliation
WeeklyCFO performance call or Loom
MonthlyClosed accounts & management report

See the work

Inside your CFO review.

What changed? Why did it change? What should we do next? Follow the conversation from financial evidence to decisions and accountable actions.

From a finding to a decision.

In the fictional ecommerce example, product margin holds while contribution falls. Near-term cash looks comfortable, but the longer forecast exposes a funding decision. See how a CFO challenges both.

Step inside the CFO review ↗Explore the finance pack ↗

Fictional example. No client records or results.

01 / EvidenceWhat explains the result?

Trace the movement back to its operating drivers.

02 / ChallengeWhich assumptions hold?

Test the forecast against timing, commitments and downside risk.

03 / DecisionWhat should happen next?

Compare the options and define who can approve the commitment.

04 / Follow-throughWho owns the next action?

Agree a deadline and evidence of completion.

Your fractional CFO & finance department

The leadership.
The team.
The follow-through.

When reporting arrives late, cash commitments are scattered and finance depends on the founder to keep moving, decisions lose their financial context.

BriQs takes responsibility for the complete finance function. Your fractional CFO leads financial performance, planning and control. Your accountant manages the daily work, supported by finance management where needed. AI and automation connect the information and reduce repetitive administration.

You receive current financial visibility, a full weekly performance review and a team that carries the agreed actions forward.

Explore the complete service

Industries we work with

Finance built around
your business model.

Trace the financial questions that matter in your industry, then inspect a detailed fictional example of the reporting behind the decisions.

01

Ecommerce & retail

Which channels produce contribution after returns, fulfilment and acquisition costs—and how much cash does the next stock order require?

  • Channel contribution & product margins
  • Inventory, purchase orders & settlements
  • Returns, advertising economics & cash
Explore the finance pack ↗
02

Construction & renovation

Which projects are losing margin, what remains committed, and will collections fund the next phase of delivery?

  • Project margin & cost to complete
  • Progress billing, variations & retentions
  • Committed spend & project cash
Explore the finance pack ↗
03

Agencies

Which clients and projects earn a sustainable margin once delivery time is included, and which cash balances are reserved for client spend?

  • Retainer & project contribution
  • Team capacity and delivery economics
  • Client funds, collections & cash
Explore the finance pack ↗
04

Professional services

Are the right grades doing the work, are fees recovering their cost, and where is completed work waiting to be billed or collected?

  • Engagement profitability & realisation
  • Capacity and utilisation by grade
  • Unbilled work, debtors & collections
Explore the finance pack ↗
05

SaaS

Is growth coming from acquisition or retention, how long does acquisition spend take to pay back, and what does that mean for runway?

  • MRR bridge, churn & retention
  • Customer cohorts & acquisition payback
  • Deferred revenue, growth & runway
Explore the finance pack ↗
06

AI businesses

Does additional usage improve contribution after model and infrastructure costs, and which pricing or provider decisions protect the margin?

  • Usage revenue & inference economics
  • Provider cost, caching & gross margin
  • Enterprise commitments & funding
Explore the finance pack ↗
07

IT services

Do recurring contracts cover the support capacity they consume, and how do implementation and resale commitments affect cash?

  • Managed-service & project profitability
  • Support capacity, renewals & utilisation
  • Hardware, licence resale & working capital
Explore the finance pack ↗

We also work with healthcare and consumer-health businesses, connecting service and product revenue, recurring billing, supplier costs and financial controls. Discuss your finance function ↗

The BriQs approach

A finance department.
Built as we run it.

We take responsibility for the work and develop the finance function as our understanding of the business deepens.

  1. 01

    Review & agree.

    A free review of the finance structure, records, systems and controls. A proposal explains the approach, responsibilities, priorities and price.

  2. 02

    Take over & establish control.

    Your accountant and CFO begin the work. We reconcile the starting position, organise approvals and establish the reporting calendar.

  3. 03

    Run, review & improve.

    Daily accounting, weekly CFO reviews and a full monthly management pack. Automation develops alongside the processes and controls.

Explore the seven steps and your role in the handover

One complete service

The CFO involvement
your business needs.

Both levels include the finance department, daily operations, a weekly CFO review, and AI and automation. The strategic scope grows with the decisions ahead.

Financial control & operating clarity

CFO Core

From €1,850/ month

A complete finance department with CFO leadership for businesses building reliable reporting, cash visibility and financial control.

  • Daily bookkeeping and reconciliation
  • Full weekly CFO performance review
  • Monthly close and management reporting
  • Cash forecasting, budgeting and financial controls
  • AI and automation embedded in the function
Discuss CFO Core

Growth, capital & complexity

Strategic CFO

From €3,000/ month

Everything in CFO Core, with deeper strategic involvement for scaling, fundraising, acquisitions and more complex financial decisions.

  • Advanced modelling and scenario analysis
  • Unit economics and pricing strategy
  • Fundraising preparation and investor reporting
  • Board packs and strategic finance support
  • Defined growth, funding and capital-allocation workstreams
Discuss Strategic CFO

Starting monthly fees in EUR, excluding applicable VAT. Scope and final fees are confirmed in your proposal.

Compare scope & see how pricing works
Sanad Abuharb, Founder and CEO of BriQs Group
Sanad Abuharb Founder & CEO, BriQs Group

Meet the founder

Big Four foundations.
Built for your business.

Sanad Abuharb founded BriQs Group after more than ten years at Big Four accounting firms. His experience spans external audit, accounting and finance, internal controls, corporate governance and strategic business advisory across EMEA, the UK and the US.

He developed BriQs’ own methodology for startups and SMEs: the discipline of rigorous financial work, adapted to the pace and resources of a growing business, with AI and automation embedded in delivery.

Meet Sanad & explore the BriQs methodology

A few practical details

Before we
get started.

Does the CFO come with a finance team?

Yes. Both CFO Core and Strategic CFO include a complete finance department, with daily accounting, CFO leadership, reporting, controls, and embedded AI and automation.

How is the weekly CFO review delivered?

The full financial performance review takes place every week through a call or a Loom video, depending on your availability. It covers performance, cash, commitments, risks and agreed actions. You have direct access to your CFO during the agreed business hours, with an initial response within 0–2 working hours.

How do we contact our CFO and follow the work?

Use Slack Connect, Microsoft Teams or another agreed channel. You can join your ClickUp project to see requests, task owners, due dates and progress. Your CFO is available during the agreed business hours, with an initial response within 0–2 working hours.

What is included in the free review?

We review the current finance structure, records, processes, reporting, systems and controls. Our proposal explains the priorities, the approach we would follow, the team, scope and pricing.

Will we need to change accounting software?

We first review your existing systems and the connections they support. We recommend changes when there is a clear reason, and agree the platform, workflows and responsibilities with you.

Who approves payments and AI-assisted work?

Your accountant reviews AI-assisted accounting work. Your CFO reviews financial analysis and advice. Payments follow the bank permissions and approval matrix agreed with your authorised decision-makers.

Start with a conversation

Build the finance function
your next stage needs.

Tell us where the business stands. We’ll show you how we would run the finance function, the priorities we would address and the team behind the work.

Book a free introductionExplore the engagement and pricing