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CustomersAI mortgage softwareOper

“Light has changed my perspective on using AI. That is something I now expect from a finance system.”

Finance team

3 external firms → 1 person

Runs finance for Belgium, Switzerland, and the UK without an outsourced team.

Un-ERPed

8 → 3

Bexio, Exact Online, Excel, Spendesk, and a bank-connector layer, replaced by one ledger.

Consolidation

Half a week → automatic

Posts as transactions happen, instead of a manual month-end scramble across three entities.

For Oper's finance manager, month-end used to mean chasing receipts, consolidating spreadsheets and waiting weeks for the numbers. Now, AI agents do the legwork, and the books close in days.

Oper builds AI-driven software that automates the back office around mortgage applications, so credit analysts spend less time comparing documents. It runs 3 entities: a UK holding company and operating entities in Belgium and Switzerland. Finance Manager Cédric Van Heybeeck runs day-to-day finance for all 3, from bookkeeping to investor reporting.

Company
Oper
Industry
AI mortgage software
Entities
3 trading and group entities across: UK, Belgium and Switzerland
Website
opercredits.com
The Oper team standing together outdoors

01The Challenge

The challenge: the next month was almost over before the last one closed

Before Light, Oper ran finance for three entities on eight systems. Bexio in Switzerland, Exact Online in Belgium, Excel in the UK. Spendesk handled AP, and every month its data was migrated into the ledgers by hand. A separate connector layer pulled in feeds from ING, HSBC, KBC and Zürcher Kantonalbank. Consolidation happened in a spreadsheet and took half a week. Today Oper runs on three systems: Light for the ledger, AP, banking, invoicing and consolidation across all three entities, with Personio and HubSpot left where they were. Five tools are gone. The month-end consolidation is gone with them, because entries now post as transactions happen. External accountants in each country did most of the day-to-day work but now one Finance Manager runs the function that the three external firms used to share.

Month-end started with Cédric pulling documents out of the AP system and sending PDFs to 3 firms. Their reporting came back 2 weeks after month-end. He then reworked it, consolidated it by hand in Excel, and rebuilt it for management and investor reporting.

By the time we had finalised our month-end close, the next month was almost over.
Cédric Van HeybeeckFinance Manager, Oper

Consolidation alone took half a week, sometimes a full week. FX rates were entered by hand. AI use in the team amounted to asking ChatGPT the occasional question.

We saw the potential. We knew we had to implement AI. We knew we were a little bit behind.
Cédric Van HeybeeckFinance Manager, Oper
Cédric Van Heybeeck on the stairs at Oper

02The Solution

The solution: one ledger

Oper evaluated solutions against three key criteria: consistent, real-time data across all entities; automation powered by that data; and built-in compliance. Light met all three. It brings all three entities into a single system, using custom dimensions to track cost centres and projects. Its built-in VAT and invoicing compliance was also a key advantage for a business operating across Belgium and Switzerland.

“Light being a European supplier, we pretty much instantly felt that you had it under control, and that it wasn't something built on top just for us.”

The external accountants now cover tax and year-end compliance only. Everything else is in-house.

Oper Credits’ finance stack

Oper Credits’ finance stack before Light: Accounting split across Exact Online, Excel and Bexio, with separate Consolidation, Expenses, Bank Connector, CRM and HRM tools. Oper Credits’ finance stack with Light: Personio for HR, HubSpot for CRM and all banks connected directly to the Light platform.

Building without a technical background

Before Light, Cédric’s AI use was the occasional ChatGPT question. Now he uses AI in his work every day through Light, and builds on it himself. Light scans every incoming invoice and pre-fills the data, so he reviews instead of typing. Receipts dropped into Slack are matched to their transactions. Agents run on a schedule in the background, and when he wants a new one, he describes the process in plain language to the Light Command Interface.

Agents that do the chasing

Cédric used to work out which receipts were missing, who they belonged to, and message each person on Slack. Then message them again. It was the task he liked least.

“It was a very repetitive task, so I postponed it until the end of the month, when it was almost too late and I really needed them.”

Now an agent sends a reminder once a receipt has been missing for 3 days. Employees drop the receipt into Slack, and the agent matches it to the transaction. Receipts arrive sooner, and Cédric no longer chases.

The same approach runs across the close

  1. Approval reminders. Pending invoices are chased without Cédric sending a message.
  2. Accruals overview. At the start of each month, an agent lists open accruals, tied back to the trial balance, so nothing is left unreversed.
  3. Accrual proposals. A second agent scans recurring vendors and expenses and proposes accruals for the close. Cédric reviews them, then asks the agent to post the journal entries.

With no technical background each agent was built by describing the manual process to the Light Command Interface, which turned it into a brief the agent runs every month. To accompany the agents Oper also built a finance dashboard in Lovable, connected to Light through its APIs and Claude connector. It covers budget versus actuals, cash flow forecast, and management and investor reporting, and refreshes every morning.

Cédric Van Heybeeck, Finance Manager at Oper
I just described what I previously did manually, and it converted that into a brief the agents could run every month.
Cédric Van HeybeeckFinance Manager, Oper

Trust was built through testing. The agents were initially scheduled to run a minute later, with their outputs checked against the trial balance. For the first two or three runs, Cédric compared the automated results with the manual process, refining the prompts until the outputs matched consistently. He retains control over decisions that require judgement: for accruals, the agent checks with him before creating a journal entry.

In Light, it's very easy to check what agents are doing. You can set up your custom agents to tell you what they're doing, in the format you want.
Cédric Van HeybeeckFinance Manager, Oper

An audit assistant, built overnight

With his audit background, Cédric knew how time-consuming it was to respond to auditors’ sample requests, often spending days retrieving supporting documents one by one. So when Light’s team invited customers to suggest app ideas, he proposed an audit assistant that would do the legwork: paste in a list of transaction IDs and receive a ZIP file containing all the supporting documents.

“I asked whether it could be built, and by the same evening it was already built. I tested it in the morning and it worked perfectly. Now I'm heading into audit season knowing I won't have to dig through all the documents.”

In Cédric's experience, a custom integration used to mean a paid request costing thousands of euros. Light's Personio app, which syncs joiners and leavers, took 5 minutes to set up.

03The Result

The result: 0-day close ambition

Oper used to close around 3 weeks after month-end. It now closes 3 to 4 days after. Consolidation, which took half a week, is a data export: Light handles FX rates and intercompany eliminations. Reporting comes straight out of Light or the dashboard built on it.

The savings are daily as well as monthly. Incoming invoices arrive scanned and pre-filled; Cédric reviews, approves, and they are paid. The P&L is consolidated in real time, so he opens the dashboard each morning and sees where the business stands. Excel is now for quick calculations and one-off analysis, not reporting.

The time goes to analysis: where Oper makes money, where it can save, and what that means for the business.

What Oper runs on Light

  1. One ledger across 3 entities in the UK, Belgium and Switzerland.
  2. Automatic consolidation, including FX and intercompany eliminations.
  3. Custom dimensions for cost centres and projects.
  4. AP with invoice scanning and pre-filled data.
  5. Receipt capture and approvals through Slack.
  6. Custom agents for receipt reminders, approval reminders, and accrual review.
  7. Audit assistant app for bulk document retrieval.
  8. Personio and Remote apps for user sync and cost centre allocation.

Where Oper’s finance team is heading

Cédric’s next questions are commercial ones: where Oper makes money, where it can save, and what the numbers say while the month is still running. Audit season is next, and the documents are already a paste and a download away.

Portrait of Cédric Van Heybeeck, Finance Manager at Oper
There is so much that agents prepare for me. I’m just reviewing it. That leaves me a lot more time for analysis, for forecasting, for tying the financials back to the business, instead of being in the day-to-day operations.
Cédric Van HeybeeckFinance Manager, Oper

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