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Fintellect · 2023—2024

Fintellect

See which projects make money.

Service agencies.

Fintellect FC–01: a precision financial instrument with an integrated display, aluminium time dial and numeric keypad
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Role
Co-founder, CEO, CPO
Sole product designer
Scope
Product, brand, pitch
Marketing and web
Team
Tiny founding team
Design led end-to-end
Product
Accounting, finance
Productivity

Ukraine Support Fund · 2025 cohort

Europe · Batch 16 · 2023

Ukrainian Startup Fund

$25k seed grant · 2021

ZAS Ventures

$50k pre-seed · 2024

Selected coverage

AIN · 2024Startup of the Day: FintellectRead Vector · 2023A “silver bullet” for financial managementRead Fintech Insider · 2023Among Ukraine’s most promising fintech startupsRead

One simple question, buried across six tools.

Service and creative agencies live or die by hour utilisation and project margin. Yet most owners handle their finances through a bank, bookkeeping suite, time tracker, project manager and a spreadsheet that never quite agree.

Fintellect pulled banking, project P&L, team economics and utilisation into one workspace — built for the people running the business, rather than for their accountants.

“Is this month profitable?” should take one minute to answer.
01 / Project economicsPrice the work. See its real cost. Protect the margin.

The team was part of the P&L.

Fintellect connected salary, billable capacity, utilisation and commercial rates in one view. Owners could see the economics behind every role, not just a headcount total.

02 / Team economicsHeadcount, cost, utilisation and rates in one operating view.

Snack-size analytics, everywhere.

Each workflow surfaced the number that mattered, with just enough context to act on it. The same compact widget system carried project cost, team capacity, cash and forecasts across the product.

03 / Modular analytics

Small signals · one system

Team / capacity
Headcount
8

7 billable1 non-billable

Total team expenses
€39 000
Overheads
€7 800

€975per person

Time utilisation
67%
754 hbilled 366 hleft
Plan / forecast
Forecast
€48 600

€39 400 low€62 300 high

Next expense
−€1 000Office rent Oct 12
Cash gap
−€3 200Oct 30 · 18 days
Project / cost
Planned cost
€290 800
Budget utilisation
49%
€141.2kused €149.6kleft
Sprint payments
€188 225 Payments total created

€24 800 draft invoices

€47 040 pending invoices

€116 385 paid invoices

€31 600 uninvoiced

€18 450 unbilled

Project / margin
Production cost
€141 15960% from final cost
ProfitSet
€94 10640% from final cost
Wallets / position
Balance after
€107 030
Net receivables
€19 300

€22 500 incoming−€3 200 outgoing

Cash runway
2.3 mo

€46 800 monthly burn€107 030 cash after

Final costSet
€235 265
Total on all accounts
€87 730
Project · Team · Plan · WalletsOne component language across the operating system.
01 / Operating plan

Fintellect OS · October 2024

Operating planA live month model with forecast, nested operations and plan-to-fact reconciliation.
02 / Project economics

Estimate · Cost model

Project economicsDelivery inputs stay editable while cost, profit and final price resolve in real time.
03 / Finance layer

Wallets · Multi-currency

Wallet layerConnections, currencies and future obligations remain visible without leaving the account view.

Make the operating model visible.

The product had to connect cash, project economics, people and reporting without turning into another accounting maze. Multi-currency sits underneath every module as a shared system layer, not as an isolated calculator.

One financial model, several views of the business Banks supply transactions, exchange rates and account balances. Project tools supply tasks, sprints, people and time logs. Sync and mapping link these records in a common reporting currency. Budgets, rates, invoices and overheads feed project and team economics. The shared model produces cash position, project margin, team utilisation and forecasts. Decisions update the operating plan. 01 / SOURCE SYSTEMS 02 / SHARED FINANCIAL MODEL 03 / DECISION SURFACES BANK FEEDS Connected financial accounts TRANSACTIONS FX RATES ACCOUNT BALANCES PROJECT ENVIRONMENT Delivery activity and ownership TASKS SPRINTS TIME LOGS PEOPLE OPERATING PLAN Commercial and cost assumptions BUDGETS RATES INVOICES OVERHEADS Adjusted as the business changes SYNC & MAPPING Import · deduplicate · categorise · match ownership LINKED FINANCIAL RECORDS Cash events · plans · invoices · project activity MULTI-CURRENCY BASE Historical FX rates → one reporting currency PROJECT & TEAM ECONOMICS Revenue − delivery cost − allocated overheads Time × internal rates → actual delivery cost FORECAST & SCENARIOS Actuals + expected income − planned payments CASH POSITION Balances across accounts Receivables and payables One reporting currency PROJECT MARGIN Cost · revenue · profit TEAM ECONOMICS Capacity · rates · utilisation FORECAST & ALERTS Cash gaps · runway · variance Different questions. The same underlying numbers. DECISIONS UPDATE THE OPERATING PLAN
04 / Operating modelBank and delivery data meet in one multi-currency model. Budgets, rates and overheads turn activity into economics — and the same numbers inform project margin, team utilisation, cash position and forecasts.

Make finance feel sharp without making it frivolous.

Agency founders care how the tools they use look and sound. I shaped an editorial, high-contrast identity that could hold serious financial material without falling into the visual clichés of traditional accounting software.

The same system scaled into story-format campaigns, product education and sales — one argument expressed through different levels of depth.

Paid social system

One product story across offers, formats and colour worlds.

Coral Fintellect product campaign with the financial workspace shown on a laptop Purple version of the same Fintellect product campaign
Product storyCoral / Purple
Blue Fintellect campaign with the three-dimensional brand mark Lime version of the same Fintellect brand campaign
Brand worldBlue / Lime
Coral Fintellect trial offer campaign Purple version of the same Fintellect trial offer
Conversion offerCoral / Purple
Coral Polish-language Fintellect campaign built around a playful finance quote Purple version of the same Polish-language Fintellect campaign
Market activationCoral / Purple

Designing the product meant designing the company around it.

Fintellect was a compact lesson in full-stack design leadership: the interface, pricing story, brand, pitch and website all had to make the same promise credible. The result is less a collection of screens than one coherent operating argument.

Berkeley SkyDeck

Building Fintellect.

Gor Walowski · Founder talk
Watch on YouTube ↗

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