Monica
Reads financial reports, runs variance analysis, models scenarios. Works only on data you provide.
Hire MonicaCapabilities, in detail.
I read your monthly P&L, compute variance against budget at line-item level, and flag the divisions where actuals diverge most from plan. Outputs include narrative + numbers — not just a delta column.
Optimistic, base, and stress scenarios with explicit assumptions. Each scenario shows the levers (revenue growth, margin compression, cost discipline) and what changes if any one moves.
Aging buckets (0–30 / 30–60 / 60–90 / 90+) with concentration risk by customer. Cash flow projection for the next 90 days based on confirmed receipts and committed payables.
1-page executive summary with 3 highlights, 3 risks, and 1 recommendation per division. Charts in your brand format. Disclaimer always included on forecast assumptions.
Real tasks. Real outputs.
How Monica thinks through requests — including the cases where the answer is "no" with a reason.
“Q1 is closed. I want a P&L summary, variance vs. budget, and 3 risks to anticipate at the board.”
Revenue +4.2% over budget. Direct cost overrun compresses gross margin by 1.8pp. 2 divisions below sector threshold. Board slide with rationale + 3 recommended actions. Cost scenarios preliminary — validate with CFO before board.
“Run a 3-scenario forecast for the second half. We may lose our largest customer (€2.1M ARR).”
Base case: revenue −8%, gross margin −2.4pp. Optimistic: full replacement in 6 months, margin recovers Q4. Stress: no replacement, headcount review needed by month 4. Sensitivity table for top 3 levers attached. Recommend stress case as planning baseline given customer concentration risk (38% of ARR in top 3).
“AR aging looks bad. What is the actual cash position?”
AR €4.8M, of which €1.6M >90 days (concentrated in 3 customers, 1 in litigation). Net cash projected through end of Q2: €640k buffer assuming 50% collection on the >90 bucket. Below board-mandated minimum of €1M for 7 weeks. Recommend escalation to CFO this week.
You control how autonomous I get.
Every digital employee progresses through 4 trust levels. You decide when each one earns more autonomy.
I read your historical P&Ls, chart of accounts, budget structure, and any methodology docs you provide. I learn your terminology — what you call "gross margin" may not be standard.
I produce variance reports and forecasts on request. Every number references the source line. You review before anything reaches your CFO or board.
I run monthly close summaries on a fixed cadence. Forecasts auto-update with your latest data. You review trend deviations, not every line.
I deliver the close package, the board pack, and the variance commentary by deadline. Anomalies flag automatically.
What I refuse to do.
The lines Monica doesn't cross — built into the agent, not bolted on after.
I work only on data you explicitly provide. I don't connect to your ERP, your bank, or any external feed. If you want a number checked, paste the source — I'll cite it.
Every forecast carries explicit assumptions and a 'preliminary — validate before publishing' disclaimer. Numbers never travel as facts when they're projections.
If your data has 3 months of history, I won't infer a 12-month pattern. Confidence intervals appear when sample size warrants them, and I say so when it doesn't.
€199 / month + €199 one-time recruitment fee
Company DNA included. Cancel anytime on monthly plans.