The seniority of a finance director, at your company's pace
You don't need a full-time CFO, but you do need real financial steering at the right moments. That is exactly what we do: a few days a month, according to the client's needs, with an adjustable commitment.
Accountant, part-time CFO or full-time CFO?
Three different roles, often confused. Here is what truly sets them apart, so you can choose knowingly.
| Your accountant | Argafin part-time CFO | A full-time CFO | |
|---|---|---|---|
| Main role | Compliance, closing and filings | Steering, trade-offs and decisions | Steering, trade-offs and decisions |
| Horizon | What has happened | Prepares, projects and anticipates the future | Prepares, projects and anticipates the future |
| Cadence | Quarterly or annual closing | A few days a month, as needed | Every day |
| Scope | Accounting, tax, legal obligations | Cash flow, financing, reporting, profitability, strategy | Same, full-time |
| Indicative cost | Accounting fees | From a few days a month | €150,000 to €200,000 per year, including charges |
| Time to set up | Immediate | A few weeks | 4 to 6 months of recruitment |
| Flexibility | Annual mandate | Scalable up or down | Permanent contract |
We do not replace your accountant. They produce your figures, we turn them into decisions. The two roles complement each other and work hand in hand.
What we take on, and when
Each engagement has its warning signal. If one of them rings true, it's the right time to talk.
Cash flow forecast
The signalYou discover cash strains the day they hit.
Budget and forecast
The signalYou steer blind, with no quantified target for the year.
Reporting and dashboard
The signalYour figures arrive too late to allow an effective decision.
Profitability analysis
The signalYou don't know which clients or products are really profitable.
Financing search
The signalYou have a growth project without a solid financing plan.
Fundraising preparation
The signalYour investors ask for a financial model you don't have.
Internal control and processes
The signalClosings are slow, manual and error-prone.
Audit or due diligence preparation
The signalA deal is coming and your files aren't ready.
Valuation and sale preparation
The signalYou're thinking of handing over within three to five years.
Tool selection and setup
The signalYour accounting tool gives you no management visibility.
One engagement, three steps, no surprises
From the first conversation to the first decisions made on reliable figures.
We get to know each other
30 minutes online, free and commitment-free. You outline your situation, we pinpoint your two or three real financial priorities.
We set the roadmap
Together we define the scope, the cadence of our work and the deliverables. You know exactly what you get and when.
We move forward at your side
Your Argafin CFO works at the agreed cadence, sets up the tools and stays reachable between visits. The volume adjusts to your reality.
Your milestones over the first 90 days
A CFO's calibre, without a CFO's budget
You only pay for the time you genuinely need, and part of the bill can be covered by regional aid.
Argafin is a certified provider for four Walloon business cheques: Creation 75%, Transmission 75%, Diagnosis 50% and Growth 50%.
Every engagement is priced to measure after the QuickScan, with no commitment on your part.
What leaders ask us most
What is a part-time CFO?
It's an experienced finance director who works in your company a few days a month, instead of being a full-time employee. You access the same level of expertise, sized to the real scale of your needs and budget.
How is it different from my accountant?
The accountant produces your accounts and secures your legal obligations: a compliance job, turned towards the past. The part-time CFO uses those accounts to steer: cash, financing, profitability, trade-offs. The two roles are complementary and we work hand in hand with your accountant.
From what company size is it relevant?
There's no absolute threshold. The trigger isn't size but complexity: as soon as your decisions involve amounts you can no longer weigh on intuition, a structured financial view pays off. We support start-ups as much as established groups.
How many days a month should I plan for?
Most of our engagements start between two and four days a month. A fundraising, a closing or a sale occasionally requires more. The volume is set together at scoping, then adjusted.
Can I adjust or stop along the way?
Yes. The volume scales up or down according to your real needs. That's the fundamental difference with a full-time hire, which commits you long-term.
How much does it cost?
A full-time CFO represents €150,000 to €200,000 a year in Belgium, charges included. Part-time, you only fund the useful days. Argafin is a certified provider for four Walloon business cheques: Creation 75%, Transmission 75%, Diagnosis 50% and Growth 50%. The Walloon Region therefore covers up to 75% of your consulting costs. Every engagement is priced to measure after the free QuickScan.
How does a collaboration actually start?
With a free 30-minute QuickScan. We identify your two or three real financial priorities, then propose a written scope: perimeter, cadence, deliverables. You decide afterwards, with no commitment.
Thirty minutes to see clearly
The QuickScan is free, online and commitment-free. You leave with your financial priorities identified.