VeriCasa — Financial Overview
Trendy Harmony Lda · March 03, 2026 · Cash + Accrual basis
Cash: ~€51,197 · Total cost: €41,833/mo · Real burn: €23,257/mo
Accrual Revenue (LTM)
€79,777
€7,252/mo avg · 11 months data
Gross Margin
78%
COGS €17,200 (WorldCheck + infra only)
Net P/L (LTM)
-€362,942
-€32,995/mo avg
Collection Rate
283%
Cash €225,558 / Accrual €79,777

Monthly Accrual P&L — Apr 2025 to Feb 2026

MonthTxnsTotal Revenue COGSGross Profit GP% R&D Sales G&A Net P/L Cash Rev Cash P/L
Apr 2025334€4,958€200€4,75896%€22,800€9,344€6,340-€33,726€18,507-€20,177
May 2025962€8,407€200€8,20798%€22,800€8,170€6,340-€29,103€6,769-€30,741
Jun 2025472€5,717€200€5,51797%€22,800€7,847€6,340-€31,470€3,543-€33,644
Jul 2025544€6,112€200€5,91297%€22,800€8,965€6,340-€32,193€14,724-€23,581
Aug 20251,101€9,171€200€8,97198%€22,800€8,889€6,340-€29,058€13,958-€24,271
Sep 2025643€6,655€200€6,45597%€22,800€8,835€6,340-€31,520€13,422-€24,753
Oct 2025925€8,202€200€8,00298%€22,800€9,370€6,340-€30,508€18,772-€19,938
Nov 2025729€7,126€200€6,92697%€22,800€9,671€6,340-€31,885€21,779-€17,232
Dec 2025542€6,100€5,200€90015%€22,800€12,885€6,340-€41,125€53,919€6,694
Jan 20261,021€8,730€5,200€3,53040%€22,800€9,171€6,340-€34,781€16,778-€26,733
Feb 2026997€8,599€5,200€3,39940%€22,800€11,832€6,340-€37,573€43,387-€2,785
TOTAL (11 mo)8,270€79,777€17,200€62,57778%€250,800€104,979€69,740-€362,942€225,558-€217,161
MONTHLY AVG751€7,252€1,563€5,68878%€22,800€9,543€6,340-€32,995
Revenue = transactions × €5.49 blended rate + amortised setup fees (€3,125/mo).
COGS = WorldCheck €5K (from Dec 25) + hosting €200 — costs that persist even if we stop building.
R&D = ProtoQ + developers — discretionary platform-building costs.
Sales & Support = Nelson + João + Vinicius + commissions — must continue for client operations.
G&A = consulting, travel, IT, advisory, software, bookkeeping, marketing, banking.

Accrual Revenue vs Cash Revenue — Monthly

Green = accrual revenue (usage-based). Blue = cash received (Bankinter). Cash often exceeds accrual due to prepaid credit bundles & setup fees. Where cash is zero, Bankinter data is not yet available.

Accrual Net P/L — Monthly Trend

Net P/L = Total Revenue − COGS − OpEx. All months are negative because the business is pre-breakeven.
The trend shows improvement as transaction volumes grow while costs are relatively fixed.

COGS — Direct Service Costs (€5,200/mo)

Item€/mo%Note
WorldCheck / Refinitiv — KYC data€5,00096%WC1 API, up to 100K screens/yr. From Dec 2025
Infrastructure (hosting)€2004%Kamatera, AWS, DigitalOcean, GitHub
Total COGS€5,200/mo
COGS = costs that persist even if we stop building. Only WorldCheck (ongoing contract) + infrastructure.

R&D — Platform Development (€22,800/mo)

Item€/moNote
ProtoQ OOD — platform dev team€15,000Framework agreement. True cost, P&L shows €5.5K
Mandy Spaan — Senior Engineer€3,500€3,500/mo × 12
Úrsula Maplehurst — R&D Advisory€1,500€1,500/mo, 11.5 hrs/mo
Yago Oliveira Pais — Developer€1,400€1,200 × 14/12
Carolina — Developer€1,400€1,200 × 14/12
Total R&D€22,800/mo
Discretionary — could stop paying if we stopped building. ProtoQ is the largest vendor dependency (€89K outstanding).

Sales & Support (€11,832/mo)

Item€/moNote
Nelson Agostinho — Sales & Support€2,333€2,000 × 14/12
João Baião — Sales (payroll)€3,760€2,200 + 23.75% SS + €500 × 14/12
João Baião — 10% commission€4,33910% of €43,387 cash rev
Vinicius Benini — Sales & Support€1,400€1,200 × 14/12
Total Sales & Support€11,832/mo
Client-facing — must continue for operations. João commission varies with cash revenue (10% of Bankinter inflows).

G&A — General & Admin (€6,340/mo)

Item€/mo
Travel — hotels, flights, meals€1,719
Strategic consulting & advisors€1,542
IT services€1,250
Advisory fees€629
Software licences€775
Bookkeeping€160
Advertising & marketing€155
Banking charges€22
Materials & sundry€88
Total G&A€6,340/mo
Admin overhead. Rates from 2025 Balancete Dec 2025 averages.

Total Cost Summary — Accrual Basis (True Contractual Rates)

Cost by category

COGS€5,200/mo
R&D€22,800/mo
Sales & Support€11,832/mo
G&A€6,340/mo
Total Accrual Cost €46,172/mo
Annualised€554,064/yr

Cost structure insight

R&D as % of total49%
Sales as % of total26%
COGS as % of total11%
G&A as % of total14%
ProtoQ (€15K) is 43% of total cost. ProtoQ P&L shows €5.5K — true cost is €15K.
WorldCheck P&L shows €1.4K — true cost is €5K (quarterly billing).

Supplier Contracts — Key Terms

SupplierMonthly CostTermBillingKey Risk
ProtoQ OOD (Bulgaria)€15,000 Framework, no fixed termMonthly (per Work Order) €89K outstanding ~6 months behind on payments
WorldCheck / Refinitiv (LSEG)€5,000 27 months (24 + 3 grace)Quarterly in advance ISO 27001 contractual obligation
ProtoQ: Time & material basis. IBAN: Lithuanian bank. Payment within 5 working days.
WorldCheck: Up to 100K screens/yr included. Territory: Canada, Europe, UK. Auto-renews 24 months. 90-day notice to exit.

Methodology & Assumptions

Revenue recognition: Transaction revenue accrued when credits are consumed (analysis processed). Blended rate of €5.49/tx based on Vantagem contract rate (Vantagem = ~69% of all transactions). Other clients pay €4.99–€9.88 per credit — blended rate is conservative.

Setup fees: Amortised over 12 months per IFRS 15 (setup is not a distinct performance obligation). Estimated €37.5K total 2025 setup fees ÷ 12 = €3,125/mo.

Cost categories (verified Mar 2026):
• COGS (€5,200/mo): Only costs that persist if we stop building — WorldCheck + hosting.
• R&D (€22,800/mo): Platform dev — ProtoQ, Mandy, Úrsula, Yago, Carolina. Discretionary.
• Sales & Support (€11,832/mo): Client-facing — Nelson, João (payroll + 10% commission), Vinicius. Must continue.
• G&A (€6,340/mo): Admin — consulting, travel, IT, advisory, software, bookkeeping, marketing, banking.

Personnel rates: Verified by Rodolfo (Mar 2026). Portuguese ×14 contracts converted: rate × 14 / 12 for monthly cost. João commission = 10% of cash revenue (per contract).

To refine: Map per-client transaction data to per-client pricing for precise blended rate. Currently using Vantagem rate as proxy.
2025 Deals Closed
€222,912
47 deals · ~€18,576/mo avg
Total Monthly Cost
€41,833
People €30,293 + other €11,540
Real Burn
€23,257
Cost €41,833 - income €18,576
Cash in Bank
€51,197
Bankinter €33,991 · Revolut €17,206
2.2 months
Runway remaining · Cash €51,197 / real burn €23,257/mo
Total cost €41,833/mo − avg income €18,576/mo = real burn €23,257/mo

Monthly Client Revenue — Bankinter (Mar 2025 – Feb 2026)

Source: Bankinter extractos. Shows actual client payments received each month. Last 3 months highlighted.

Monthly Cash P&L — Income & Outflows (Revolut + Bankinter combined)

MonthSourceOpeningRevenueFounder LoansOutflowsNet ChangeClosing
Mar 2026Both€53,579€1,845—-€6,727-€2,382€51,197
Feb 2026Both€20,664€43,387€17,502-€50,477+€32,915€53,579
Jan 2026Both€32,483€16,778€2,000-€39,384-€11,819€20,664
Dec 2025Both€17,791€53,919—-€39,230+€14,692€32,483
Nov 2025Both€16,792€21,779—-€20,780+€999€17,791
Oct 2025Both€30,633€18,772€1,503-€34,118-€13,841€16,792
Sep 2025Both€66,558€13,422€18-€49,368-€35,925€30,633
Aug 2025Both€97,960€13,958€59-€44,266-€31,402€66,558
Jul 2025Both€104,502€14,724—-€29,269-€6,542€97,960
Jun 2025Both€18,294€3,543€109,000-€26,335+€86,208€104,502
May 2025Both€25,985€6,769€14,000-€28,462-€7,691€18,294
Apr 2025Both€11,802€18,507€14,000-€18,326+€14,183€25,985
Mar 2025Both€19,443€1,873€14,000-€24,013-€7,641€11,802
Feb 2025Rev only€1,324—€37,346-€21,535+€15,811€17,135
Jan 2025Rev only€6,656—€1,246-€6,578-€5,332€1,324
Jan–Feb 2026 have full data from both accounts. Bankinter 2025 statements pending.
Opening = combined bank balance at start of month. Revenue = client payments (Bankinter). Outflows = all costs.
Net Change = Closing − Opening (includes revenue + founder loans − outflows).
2025 months show Revolut only — understate total cash (Bankinter balance was ~€30K at Dec 31).

Revenue vs Costs vs P/L — Monthly (Mar 2025 – Feb 2026)

Revenue (green) = client payments received. Costs (red) = all operational outflows. P/L (blue dashed) = revenue minus costs.
Director loans excluded from both revenue and costs — this is pure operating performance.

Client Income Detail — Who Paid

December 2025

ClientAmount
EXP GLOBAL PORTUGAL LDA€6,913
SENTIR L MEDIACAO€6,150
MATLAW, MESTRE€4,852
RESERVICE MEDIACAO IMOBIL€4,098
FREITAS PIRES, LDA€3,688
CASTELHANA SOC MEDIACAO€3,383
UM SEIS UM LDA€3,213
BARCOVEZ MEDIACAO IMOB€3,196
Prestigio Global€3,187
GOLDENLOFT LDA€2,374
PORTAL RUMO SOC MEDIACAO€1,845
NEW CYCLE MEDIACAO IMO€1,845
REALWISE, LDA€1,845
RITA SOARES (FT 69.2025)€1,845
MAXOCIDENTE MEDIACAO€1,688
FOCAGEM MEDIACAO IMOBI€1,688
MENTES POSITIVAS-M€1,688
ASSOC. INOVACAO E EMPREEND€420
Total€53,918
18 client payments

January 2026

ClientAmount
PORTAL RUMO SOC MEDIACAO€3,376
Prestígio Global€2,701
DESAFIO ACEITE SOL€2,149
CCPT COMPRARCASA R€1,845
HBRN MEDIACAO IMOB€1,752
MENTES POSITIVAS-M€1,688
CMV SOCIEDADE (FT202)€804
VANTAGEM ALTRUISTA LDA€804
LUXUS-SOCIEDADE DE€672
CANARIO FO LDA€615
LOFT AO QUADRADO€372
Total€16,778
11 client payments

February 2026

ClientAmount
THE OITAVOS S (Trend Har)€7,995
IMANT - MEDIACAO I€7,995
CCPT COMPRARCASA R€7,221
Pre-Feb-2 clients€7,002
EXP GLOBAL PORTUGAL LDA€5,068
DESAFIO ACEITE SOL€2,149
MY PT REAL ESTATE€1,845
HBRN MEDIACAO IMOB€1,752
MENTES POSITIVAS-M€1,688
LUXUS-SOCIEDADE DE€672
Total€43,387
10 client payments

March 2026 (partial)

ClientAmount
VE IMOVEIS (VeriCasa credit)€1,845
Total€1,845
1 client payments
Flagged: REEMBOLSOS A RESID (€8,634 Jan) excluded — confirmed as VAT rebate, not client revenue.
Coverage: Dec 2025 – Feb 2026 from Bankinter extractos.

Team Cost Breakdown — per person

Verified rates (confirmed by Rodolfo, Mar 2026)
PersonCategoryRole€/mo
Mandy SpaanR&DSenior Engineer€3,500
Nelson AgostinhoSalesSales & Support€2,333
João BaiãoSalesHead of Sales€3,760
↳ €2,200 + 23.75% SS + €500 meal × 14/12 = €3,760 + 10% commission on cash revenue
Úrsula MaplehurstR&DR&D Advisory€1,500
Vinicius BeniniSalesSales & Support€1,400
Yago Oliveira PaisR&DDeveloper€1,400
CarolinaR&DDeveloper€1,400
Internal team subtotal€15,293
ProtoQ OOD (Bulgaria)outsourceDev team€15,000
↳ ProtoQ P&L shows €5,535 — true cost is €15K/mo
Outsource subtotal (true)€15,000
Total people cost (true)€30,293/mo
Iryna departed — finance/ops unfilled.

Non-People Costs — €11,540/mo

Based on 2025 full-year averages (Balancete Dec 2025)
Category€/mo
WorldCheck / Refinitiv — KYC data€5,000
Travel — hotels, flights, meals€1,719
Strategic consulting & advisors€1,542
IT services€1,250
Software licences€775
Advisory fees€629
Infrastructure (hosting)€200
Bookkeeping€160
Advertising & marketing€155
Materials & sundry€88
Banking charges€22
Non-people subtotal€11,540
Total monthly cost€41,833
People (true)€30,293
Non-people€11,540

Income Summary — 2025

AmountMonthly avg
Deals closed (sales dashboard)€222,912€18,576
Revenue recognised (P&L)€123,010€10,251
Gap (deferred / prepaid credits)~€99,902
Full year 2024 (pre-commercial)€15,549€1,295
Dec 2025 actual (Bankinter)€53,91818 clients
Jan 2026 actual (Bankinter)€16,77811 clients
Feb 2026 actual (Bankinter)€43,38710 clients

Cash-Basis Projection — if 2025 income rate continues (€18,576/mo)

MonthIncomeTotal CostReal BurnCash Balance
Apr 2026€18,576€41,833-€23,257€27,940
May 2026€18,576€41,833-€23,257€4,683
Jun 2026€18,576€41,833-€23,257€-18,574CASH OUT
Jul 2026€18,576€41,833-€23,257€-41,831NEGATIVE
Aug 2026€18,576€41,833-€23,257€-65,088NEGATIVE
Sep 2026€18,576€41,833-€23,257€-88,345NEGATIVE
Oct 2026€18,576€41,833-€23,257€-111,602NEGATIVE
Nov 2026€18,576€41,833-€23,257€-134,859NEGATIVE
Dec 2026€18,576€41,833-€23,257€-158,116NEGATIVE
Jan 2027€18,576€41,833-€23,257€-181,373NEGATIVE
Feb 2027€18,576€41,833-€23,257€-204,630NEGATIVE
Mar 2027€18,576€41,833-€23,257€-227,887NEGATIVE
Assumption: Income at 2025 average of €18,576/mo. Cost held at €41,833/mo. No founder injections.
Real burn: €23,257/mo — without founder support, cash runs out in ~2 months.
Cash in Bank
€51,197
Bankinter €33,991 · Revolut €17,206
Runway
2.2 mo
Cash / real burn (€23,257/mo)
ProtoQ Outstanding
€89,000
Invoice #57 · ~6 months behind
Shareholder Investment
€486,577
Phil €426,245 + Rodolfo €60,332

Balance Sheet — March 03, 2026

Assets

Cash & equivalents€51,197
Bankinter€33,991
Revolut€17,206
Accounts receivable€0
Total Assets €51,197

Liabilities & Equity

ProtoQ outstanding€89,000
Other accounts payable€2,602
Total Liabilities €91,602
 
Director loans — Phil€426,245
Director loans — Rodolfo€60,332
Prestações suplementares€400,000
Accumulated lossesnegative
Total L + E —
Note: This is a simplified balance sheet from available data. Formal accounts from bookkeeper needed for precise equity figure.
Accounts receivable from Balancete Account 21 (€912 at Dec 2025). ProtoQ liability is the largest single payable.

Estimated Runway

2.2 months
Cash in bank / real monthly burn
Cash in bank€51,197
Total monthly cost€41,833
Average monthly income (2025)€18,576
Real burn (cost − income)€23,257/mo

ProtoQ OOD — Outstanding Liability

Invoice #57 (Jul-Dec 2025)€104,000
2,438 dev hrs x €40 + 180 design hrs x €36
Paid to date-€15,000
Outstanding€89,000
Current rate: €15,000/mo · ~6 months behind
Open: What is the long-term rate once debt is cleared?

Director Loans — Full History

Phil — Transfers to Trendy Harmony

DateAmountDescription
13/02/2026€17,502Transferred to Trendy Harmony (Revolut)
10/01/2026€12,800Transferred to Trendy Harmony (Bankinter)
12/10/2025€1,503Paid iPhone cost on behalf of TH
27/06/2025€95,000Transferred to Trendy Harmony (incl. PS restructure)
13/06/2025€14,000Transferred to Trendy Harmony (Revolut)
21/05/2025€14,000Transferred to Trendy Harmony
15/04/2025€14,000Transferred to Trendy Harmony
11/03/2025€14,000Transferred to Trendy Harmony
04/02/2025€28,000Transferred to Trendy Harmony (Revolut)
16/12/2024€2,000Transferred to Trendy Harmony
16/12/2024€20,000Transferred to Trendy Harmony
12/12/2024€43,050Transferred to Trendy Harmony
10/12/2024€3,000Transferred to Trendy Harmony
27/11/2024€1,000Transferred to Trendy Harmony
15/11/2024€1,000Transferred to Trendy Harmony
11/11/2024€2,515Transferred to Trendy Harmony
28/10/2024€17,123Paid Kangatronix Limited VC-001 from personal account
28/10/2024€65,113Paid Úrsula Maplehurst Invoice 2024.3 from personal account
21/10/2024€479Transferred to Trendy Harmony
15/10/2024€10,000Transferred to Trendy Harmony
10/10/2024€1,000Transferred to Trendy Harmony
18/09/2024€1,000Transferred to Trendy Harmony
28/08/2024€2,000Transferred to Trendy Harmony
01/08/2024€300Transferred to Trendy Harmony
31/07/2024€25,030Paid ProtoQ Invoice 21 from personal account
22/05/2024€2,000Transferred to Trendy Harmony
05/04/2024€17,144Paid ProtoQ Invoice 19 from personal account
01/04/2024€2,000Transferred to Trendy Harmony
01/01/2024€963Transferred to Trendy Harmony
28/12/2023€4,000Paid ProtoQ Invoice 17 from personal account
27/11/2023€2,500Transferred to Trendy Harmony (Bankinter)
Phil — tracked transactions €434,022

Rodolfo — All contributions

DateAmountDescription
03/03/2026€2,500Empréstimo to TH (Bankinter)
19/02/2026€2,500Empréstimo to TH (Bankinter)
18/02/2026€2,500Empréstimo to TH (Bankinter)
16/02/2026€2,500Empréstimo to TH (Bankinter)
15/02/2026€2,500Empréstimo to TH (Bankinter)
14/02/2026€2,500Empréstimo to TH (Bankinter)
13/02/2026€7,500Transfer to TH (Bankinter)
13/02/2026€2,500Empréstimo to TH (Bankinter)
15/11/2025€10,000Websummit 2025 (paid by Rodolfo)
31/07/2025€7,000Nelson Tiago Berna — 2025 Jan–Jul salary (paid by Rodolfo, period total)
31/12/2024€14,000Nelson Tiago Berna — 2024 salary (paid by Rodolfo, annual total)
19/06/2025€19McDonalds
18/06/2025€31Carruagem Bar
17/06/2025€200João Baião
13/06/2025€67Musos Aristocratas
09/06/2025€19Transfer to TH
07/06/2025€436Transavia
30/05/2025€494Mytrip
30/05/2025€34Uber x2
27/05/2025€74Transfer to TH
26/05/2025€5Auchan
16/05/2025€70American Club of Lisbon
14/05/2025€16DIGI payment
11/04/2025€16DIGI payment
14/03/2025€15DIGI payment
14/02/2025€11DIGI payment
11/03/2025€500Transfer to TH
24/02/2025€346Transfer to TH
22/01/2025€1,246Transfer to TH
25/10/2024€74Transfer to TH
06/09/2024€250Transfer to TH
25/05/2024€409Unknown transaction (debit — needs clarification)
Rodolfo — tracked transactions €60,332

Summary — Total Shareholder Investment

Phil — transfers + personal (spreadsheet through Jun 2025)€394,440
Phil — post-Jun 2025 (from company statements)€31,805
Phil total€426,245
Rodolfo — cash + Nelson + Websummit (pre-2026)€34,512
Rodolfo — Feb 2026 loans (Bankinter)€22,500
Rodolfo total€60,332
Combined shareholder investment €486,577

Key Metrics

Enterprise value (10x ARR)€656,880
2025 income / annual cost0.44x
Cash / total monthly cost1.2 months
Cash / real burn2.2 months
ARR€65,688
Internal people as % of cost37%
ProtoQ + outsource as % of cost36%
Active clients40 +2/mo

CFO Assessment — March 2026

~€486,577 invested · 40 clients · €222,912 deals closed 2025 · €41,833/mo total cost
CRITICALProtoQ is the biggest financial risk
True dev cost ~€15,000/mo — 3x the P&L. Outstanding: €89,000. If they call this debt or stop work, there is no product team. Needs a formal payment plan and investor disclosure. Open question: what is the long-term rate once the backlog is cleared?
CRITICALTotal monthly cost is €41,833/mo (P&L shows €32,368)
People cost €30,293/mo + non-people €11,540 = €41,833 total cost. Cash (~€51,197) covers 1.2 months at this rate.
CRITICALBridge to fundraise is not optional
At ~€23,257/mo real burn (cost minus income), cash runs out within 2 months without founder injections.
HIGHRevenue concentration is existential
Remax Vantagem alone = ~67% of all transactions. Pipeline thin at €8K under proposal.
ACTION€222,912 closed vs €123,010 recognised
~€99,902 gap = likely prepaid credits not yet consumed. Confirm with Bankinter.
ACTIONWhere to cut if needed
Travel (€1,719/mo) + advisory (€2,171/mo) + João bonuses (€1,154/mo) = ~€5-7K/mo addressable savings.
Latest Week
306
w/e 27 Feb · €1,680 value
4-Week Avg
249
+6.3% vs prior 4 weeks
Peak Week
306
w/e 27 Feb
Vantagem Share
66%
203 of 306 txns this week

Weekly Paid Transactions — Trend

Transaction Split — Latest Week (w/e 27 Feb)

203 Vantagem · 55 Team · 48 Other · 306 total

Transaction Composition — Weekly

Monthly Recurring Revenue (MRR) — from Weekly Dashboard

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