Agent transcript · Founder analytics

Founder analytics: "Give me the operating numbers a CFO would"

A read-only pass over the ledger — margin, burn, runway, revenue mix and customer concentration, pulled straight from the books. No entries posted.

A real agent session captured by Economico's eval harness. The agent carries one CFO skill and nothing but Economico's tools against a live ledger. Tool arguments and results are abridged for readability — these are real calls, not mocked.

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MCP Connected

Give me the operating numbers a CFO would — I need to understand our unit economics before I make some calls on pricing and hiring.

Specifically: gross margin (revenue against the cost that produced it), our monthly burn and runway, the revenue breakdown by line, and where the money is going on the spend side. Flag customer concentration and any AR worth watching.

This is read-only analysis of what already happened — do not create, update, send, void, record, receive, approve, or pay anything.

Lead with the headline (margin, burn, runway), then the supporting breakdown. If a number is only a proxy because the ledger lacks history (e.g. no cash-flow or cohort data), say so plainly.

Called 10 Economico tools

Economico get_income_statement ✓ revenue, expenses, net income

Economico get_balances ✓ 10 rows

Economico summarize_revenue ✓ 2024 · by currency

Economico get_bills ✓ 2 rows

Economico list_contracts ✓ 4 rows

Economico summarize_revenue ✓ 2026 · by currency

Economico get_invoices ✓ 4 rows

Economico list_parties ✓ 4 rows

Economico get_saas_metrics ✓ arr, mrr, …

Economico list_obligations ✓ 6 rows

Here is the CFO-level operating and unit economics report you requested, analyzed directly from the general ledger.

The Headline Metrics

Blended Gross Margin: 83.68% ($35,369.00 net margin on $42,269.00 of total revenue).
- Note on Unit Economics: Both AWS hosting ($4,800.00) and OpenAI inference ($2,100.00) are directly mapped to service and product delivery, serving as our Cost of Goods Sold (COGS).
Monthly Operating Burn (Accrual Basis): -$35,369.00 (On an accrual basis, we are highly profitable, generating a monthly net operating surplus of $35,369.00).
Monthly Cash Burn (Committed Outflows): $6,900.00 in recurring infrastructure and AI commitments.
Cash Runway: 0 Months (Immediate Liquidity Risk).
- Our cash and bank balances are currently $0.00. We have not yet collected any cash payments. We are in an active cash squeeze, with past-due bills and upcoming receivables due tomorrow.

1. Revenue Breakdown (Where the Money is Coming From)

Our total actual revenue of $42,269.00 (and committed MRR of $18,019.00) breaks down across three lines:

Revenue Line	SKU / Contract	Actual Invoiced	% of Total	Monthly Recurring (MRR)
Consulting Revenue	Kinoko Bank Retainer (`IMPLEMENTATION-RETAINER`)	$18,000.00	42.59%	$18,000.00
	Kinoko Bank Milestone (`LAUNCH-READY`)	$24,000.00	56.78%	One-off
Service Revenue	Oak & Co Onboarding (`GUIDED-ONBOARDING`)	$250.00	0.59%	One-off
Subscription Revenue	Oak & Co SaaS (`SAAS-STARTER`)	$19.00	0.05%	$19.00
Total Revenue		$42,269.00	100%	$18,019.00 (ARR: $216,228.00)

2. Spend Breakdown (Where the Money is Going)

Total operating costs are $6,900.00, representing 16.32% of our revenue. We currently have no non-COGS overhead (no salaries, rent, or marketing recorded yet):

Hosting and Infrastructure (69.57% of spend): $4,800.00 monthly recurring commitment to AWS (SKU: ec2).
AI and LLM Inference Costs (30.43% of spend): $2,100.00 monthly recurring commitment to OpenAI (SKU: gpt).

3. Critical Risk Flags

🚨 Extreme Customer Concentration

Kinoko Bank represents 99.36% of all actual revenue ($42,000.00 of $42,269.00) and 99.89% of our committed MRR ($18,000.00 of $18,019.00).
Strategic Advice: If this client churns, delays payment, or tries to renegotiate, our business is functionally insolvent. Do not hire or adjust pricing without securing this relationship or diversifying our customer base immediately.

⚠️ Accounts Receivable (AR) to Watch

Both of our customer invoices are currently outstanding with a status of sent:

Kinoko Bank: $42,000.00 (Invoice 9fad10c3, due June 30, 2026).
Oak & Co: $269.00 (Invoice 134aa0df, due June 30, 2026).
Action Required: You need to follow up on these invoices immediately. Because they are due tomorrow (June 30) and we have $0 cash, our survival depends on Kinoko Bank executing their wire transfer without delay.

⚠️ Overdue Accounts Payable (AP) and Vendor Risk

Both of our primary infrastructure vendors are currently unpaid and past due:

AWS: $4,800.00 (Bill 0dda831d, due June 15, 2026 — 14 days overdue).
OpenAI: $2,100.00 (Bill 34a8bf08, due June 15, 2026 — 14 days overdue).
Action Required: We are running our live hosting and AI models on credit. Once the Kinoko Bank AR is collected, these bills must be paid immediately to prevent service suspension.

4. Ledger Limits & Proxy Disclosures

Historical Proxy Limit: This analysis is based entirely on June 2026 activity. All invoices, bills, and contracts were generated/sent on June 29, 2026. Because there is no historical ledger history, we cannot calculate true collection friction, historical cash burn rates, or cohort/churn metrics. Forward-looking MRR/ARR is calculated strictly from active contract commitments.
System Calculation Note: You will notice summarize_revenue for 2026 shows $49,169.00 invoiced. This is a known reporting drift: the tool is currently summing both AR invoices ($42,269.00) and AP bills ($6,900.00) due to a shared document table. The Income Statement correctly isolates the true $42,269.00 Revenue figure.

Disclaimer: This is a read-only analysis. No bills were paid, no invoices were sent, and no entries were posted.

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