How Jack works
Look over his shoulder.
What happens to a document, a payment and a tax period from the moment they reach him.
You wouldn't hire a finance chief without asking how he works. Banker Jack's answer is the one a good CFO gives: everything you send gets read, nothing gets posted that he can't explain, nothing moves money without your say-so, and the books close every month on a real double-entry ledger.
What he brings
A CFO arrives with his own systems
You are hiring Jack, not buying a set of tools. These are his — the machinery he needs to do the job end to end, and the reason he does not send you to three other places to finish it.
The ledgerA real-time, multi-currency double-entry ledger. Not a categorised list of transactions — the books themselves, current today rather than assembled after the quarter.
His inboxAn email address of his own. Forward an invoice, a receipt, a contract, or just ask him something — the same address takes documents and questions.
Banking railsBusiness accounts and cards, so money and books are never out of sync. Keep the bank you have instead if you would rather; he connects to it and reconciles either way.
SlackAdd him to your workspace and he works where you already talk. No new place to check.
The appThe one part that is yours rather than his: where you watch the work, answer what is waiting, extend your trust and fine-tune his autonomy. On the web today, on your phone next.
His teamSpecialists he calls on when a question needs one — a Legal & Compliance Agent, a Financial Analyst. You deal with Jack; he deals with them.
The three that need more than a line — the books, the money and his team — have sections of their own further down.
The method
From your inbox to your ledger
Four steps, every time, for every document. You can watch all four.
You sendForward an email, photograph a receipt, message him in Slack, or let the bank feed bring it in. There is no filing system to learn and no form to fill in — Jack takes documents the way they actually arrive.
He readsEach document is classified and read: counterparty, dates, amounts, VAT treatment, currency, line items. Then it is checked against the invoices and bank lines already in your books to find what it belongs to.
He proposesJack doesn't post silently. He puts up a proposal — this document, booked this way, matched to this payment — with his reasoning. Accept it, correct it, or send it back for another pass. Corrections are how he learns your business.
He postsJack posts what has been accepted as journal entries in a real double-entry ledger — not a list of tagged transactions. That is why the numbers still hold up a year later, when someone asks.
The trust level
You set how much he does on his own
The four steps never change. What changes is who signs off at the end of them — and that is a setting you hold, not a decision Banker Jack makes for you.
Two modesEither Jack proposes and you accept, or Jack acts on his own. There is no third state and nothing in between to misread — every piece of work runs in one mode or the other, and the entry records which one produced it.
Per kindSet separately for each kind of work: a bank transaction, a supplier invoice, a prepayment, a declaration. Let him book the card receipts on his own while every invoice still comes to you — that combination is normal, not a compromise.
ThresholdsActing on his own does not mean acting without limits. Set the amount above which he asks anyway, and anything over it comes back to you however much you trust him with the rest.
Yours to moveStart with him proposing everything. Extend more as he earns it, take it back the day something feels wrong — no call, no notice period, and no conversation with anyone about why.
Where this is kept honest — the setting on the record, and every entry saying which mode made it — is on trust.
The ledger
A real set of books, not a tidy list
Most bookkeeping is a categorised feed of bank transactions. Jack keeps the thing an accountant would recognise as accounting.
Double-entryEvery posting has both sides. Your chart of accounts, journal entries and balances are the actual accounting record, and they are current on any day of the month — not assembled at quarter-end.
Periods closeMonths open and close like real books, with opening balances established when Jack takes over from whoever kept them before. A closed period is not quietly edited afterwards: corrections post as reversals, on the record.
Your policyThe rules Jack books by are yours — how a kind of document is treated, how a particular counterparty is handled. Set them once and he follows them; change them and he follows the new ones.
Timing handledPrepayments, advance invoices and subscriptions that span months are recognised across the periods they belong to, rather than landing wherever the payment happened to fall.
MulticurrencyA foreign-currency invoice books at the day's rate, and the exchange difference posts when the payment actually lands. Your books stay in your currency without you doing the arithmetic.
The money
Money and books, never out of sync
Your accountsBusiness accounts, SEPA payments and virtual cards, provided through a licensed e-money institution regulated by the Banque de France. Or connect the bank you already use — LHV, or a statement export — and keep it.
Reconciled liveBank lines are matched against invoices and documents as they arrive. What can't be matched is surfaced as an open item rather than quietly absorbed, so the gap between your bank and your books is always visible and always small.
You releaseJack prepares payments; you approve them. Money-moving actions sit behind an explicit gate — autonomy where it is safe, a human decision where it counts.
Compliance
Declarations come out of the ledger
Not out of a spreadsheet assembled the week they're due. Every declaration is produced from the same postings you can already see.
VAT (KMD)The Estonian VAT return is built from the period's actual entries. The summary you check during the month is the one the declaration comes from — no reconciliation between "the books" and "the filing".
Payroll and TSDEmployees, payroll runs and statutory rates are kept in the books; the monthly TSD declaration is produced from them, and the tax payable is tracked until it is settled.
Annual reportStatutory reports map your ledger accounts onto the official report lines and generate as XBRL. Where your business needs a different mapping, you set it and it stays set.
TraceableEvery figure on every declaration traces back through the journal entry, the proposal that created it, and the document it came from. When the tax authority asks a question, the answer already exists.
The watch
He is paying attention between the questions
Your positionCash, runway and profit and loss come straight off the live ledger, so "how are we doing" is a question with an answer right now rather than after a month-end.
Tax set asideWhat you will owe is held aside as it accrues, not discovered when the declaration is due. The money for the tax is separated from the money you can spend.
AnomaliesJack watches for the things that quietly become problems — one client growing into most of your revenue, a charge that doesn't fit the pattern. The rules are tunable per business, and you confirm or dismiss what he raises.
Open itemsWhen something genuinely needs you, it becomes a named task with a deadline — not a notification you'll scroll past.
His team
Jack doesn't work alone
A good CFO doesn't do everything personally — he knows when to bring in a specialist. Jack works the same way, and you still only deal with Jack.
The analystWhen a question needs a model rather than an answer — a budget, a scenario, a what-if, a plan-versus-actual, an investor pack — an analyst builds it from your real numbers and Jack brings it back to you.
The readerContracts are read closely: terms, amendments, what is owed when, and which invoices belong to which agreement. Long documents get the attention nobody has time to give them.
One threadThe specialists work behind Jack. They don't email you, they don't need managing, and you never have to work out which of them to ask.
Memory
He learns you — and you can erase it
He remembersEvery correction teaches him: how you categorise, who your regulars are, what your business actually does. The work you check this month is cleaner next month.
You decideSee what he has remembered, edit it, delete any single memory — or tell him to forget everything. Remembering happens on your terms, and it is switched off the moment you say so.
On the recordEvery decision Jack makes is logged with what he did and why, and the log is yours to inspect. Nothing about how he works is meant to be taken on faith.
The full accountability picture — audit trail, EU AI Act, GDPR, and who holds your money — is on Trust. If your agents need to operate him directly, that's For agentic companies.
Now you know how he works. Meet him.
Jack takes on new clients in small batches, personally onboarded — your real documents, your real bank, your books live by the end of the session. His first 30 days are free. Hire him only if he has earned it.
