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PFPauwels Finance

Coming soon · Financial OS

Know your numbers, without the bookkeeping.

Export your transactions, drop in your receipts, and the AI sorts, categorizes, and files every line, VAT included. Your profit, cash flow, and taxes stay current on their own. Built by a finance auditor who got tired of doing it by hand.

Status · In development

Join the waitlist

Be the first to know when it opens. No spam, just the launch.

Sound familiar?

Running it all yourself comes with a low hum of not quite knowing.

Receipts piling up that you keep meaning to sort, and a nagging feeling you're forgetting to claim things.

A tax bill you've set money aside for, without being able to swear the number is right.

It's the 14th, and you couldn't say whether this month is ahead or behind.

None of it is complicated. It just never gets done. That's the entire job Financial OS quietly takes off your plate, so you always know exactly where you stand.

Preview · inside Financial OS

See your numbers, not your bookkeeping.

Real views from the app, every category, VAT rate, and receipt below was sorted by the AI.

PFFinancial OS
Lumen Studio
June 2026LS
148 transactions imported this month · 142 auto-categorized by the AI.6 to review
Revenue · June
$12,480
▲ 14% vs May
Expenses · June
$3,538
▼ 6% vs May
Net profit · June
$8,942
71.6% margin

Revenue vs expenses

last 6 months
Jan
Feb
Mar
Apr
May
Jun
RevenueExpenses

Income by source

June
Product sales$6,400
Consulting$5,200
Other income$880
  • Cash in bank$38,240
  • VAT set aside · Q2$3,740

How it works

One system for your whole financial picture.

Business and personal, one company or several, you set it up your way once, then the AI keeps everything formatted, categorized, and reconciled straight from your bank exports.

  1. 01

    Personalize it to your situation

    A short form shapes the system around you. Run one company, several at once, or your solo business and personal finances together, cleanly split out, your way.

  2. 02

    Feed it your bank exports

    Everything is built on raw exports from your bank. Set up an automation, or just drop the files in yourself, Excel, CSV, PDF, whatever format your bank gives you, it all works.

  3. 03

    The AI sorts every transaction

    Using how you set things up, it categorizes income, business costs, and personal expenses, and keeps your balance sheet up to date as it goes.

  4. 04

    Add invoices for anything with VAT

    Upload them, or forward them straight to your own intake inbox. The AI reads each invoice and fills in the VAT and invoice date on the matching transaction.

  5. 05

    Review and adjust, anytime

    Everything the AI does is visible and editable. Recategorize a transaction in a couple of clicks whenever you like, you stay in control of your own books.

  6. 06

    Always know where you stand

    Live P&L for business and personal, cash flow, balance sheet, and taxes, a complete, current view of your finances instead of a year-end scramble.

On the roadmap

Soon: see exactly what you keep.

Profit by client, offer, and service, not just what you earn, but what actually stays with you. Want that clarity right now?

Explore the Profit Clarity Sprint

Always know where you stand.

Financial OS is in private beta. Join the waitlist and we'll let you in as spots open up.