Customer
Oper Credits
“I wrote a Claude skill that uses Light’s MCP. At the end of each month I just ask: which accruals do I still need to post? It flags them.”
Measured outcomes
Finance team
3 external firms → 1 person
Runs finance for Belgium, Switzerland, and the UK without an outsourced team.
Systems
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.
Oper Credits builds AI-driven software that automates mortgage processing for financial institutions across Europe, running three legal entities across Belgium, Switzerland, and the UK.
“I’ve always thought the name Light was a pretty good description of what the system feels like,” says Finance Manager Cédric Van Heybeeck.
Growth is fast, and so is the complexity that comes with operating across multiple jurisdictions: different tax rules, different currencies, different regulatory environments. Cédric joined Oper just under a year ago, knowing the finance function had to catch up with the rest of the business.
The problem: decentralised by default, consolidated by hand
When Cédric joined, Oper ran three completely separate accounting setups. Bexio in Switzerland. Exact Online in Belgium. In the UK, no accounting system at all, just Excel, with books that closed once a year. Each external firm worked independently. Nothing talked to anything else.
By the time the month-end output made sense, investor reporting was already almost a month late. Actuals compared to plan after the fact — in a fast-moving startup, that’s barely useful.
The solution: not Netsuite. Not another heavy ERP.
“Before Light everything was very decentralised. Each of the three entities had a different accounting system. The pure consolidation definitely took half a week, a little more,” Cédric says.
Cédric knew the category well. Netsuite made it to the final two. Every demo sent the same signal: a large system, many screens, process flows built for complexity rather than speed. Being a European product mattered too — American platforms had a reputation, confirmed by references, for falling short on VAT and local compliance. Oper operates in Belgium and Switzerland.
One P&L. Three entities. No spreadsheets.
Before Light, Oper had no real-time visibility into its numbers. Three entities, three external accounting firms, each closing on their own schedule. Cédric had to wait for all three before he could start the manual consolidation in Excel, assigning every P&L transaction to a cost center by hand.
Light changed both. Consolidation posts automatically as transactions happen. When Cédric posts an entry, Light surfaces GL account suggestions, cost centers, and tax codes based on prior activity.
What Oper Credits runs on Light
Before finding Light, Oper had a typically fragmented finance tech stack: three ledgers for three entities, plus a handful of point solutions on the fringes. They’ve since consolidated from eight systems to three.
- Three separate ledgers — Bexio, Exact Online, and a UK entity that ran on Excel — replaced by one Light instance across all three entities.
- Consolidation across Belgium, Switzerland, and the UK posts automatically as transactions happen, instead of a half-week manual close.
- AP fully inside the GL: what used to live in Spendesk and get migrated into the ledger every month now flows straight through Light from receipt to posting.
- Bank connections to ING, HSBC, KBC, and Zürcher Kantonalbank run natively in Light, with no separate connector layer.
- Contract-based invoicing and deferred revenue generated and scheduled automatically, no manual spreadsheet tracker.
- Personio for HR and HubSpot for CRM stay exactly where they are, untouched.
AP automation, and Slack 🤝 Light
Before Light, Oper used Spendesk for AP. The system worked fine in isolation. The problem was the isolation itself: data had to be migrated into the accounting systems each month, documents lived separately from the GL, and audit trails were a headache. Light’s AP flow is built into the GL from the start.
Oper’s new CTO came from a company running Netsuite. He was, in Cédric’s words, extremely enthusiastic from the first time he used the Slack integration — approving a vendor invoice in the tool he has open all day, versus logging into a finance system he’d rarely touch otherwise. The difference landed immediately.
“Our employees only have to go to Slack, send a message with a picture of their receipt, and the system does the rest. They love it. There’s a lot less chasing from me involved.”
Contracts, invoicing, and deferred revenue
Every Oper client runs a bespoke contract. Before Light, that meant a manual invoicing schedule in Excel, per client, per entity, chased every month. Contract and invoice lived in separate places, connected only by a spreadsheet someone had to keep current.
Because the system knows which period each invoice relates to, it also defers the associated revenue automatically. No manual journal entries, no end-of-month reconciliation between a contract tracker and the GL.
“When it’s time for an invoice to be sent out, Light generates it automatically for my review. I simply review and press send.”
Finance manager-turned-vibe coder
Cédric’s background is purely finance — no technical training, no programming experience. That didn’t stop him from building. Day to day, he uses Light’s chat function for detailed invoice breakdowns: an invoice split across many line items used to take 10 to 15 minutes, now under a minute. The finance team gives the rest of the company internal updates on how they’re using AI. Some of what finance has automated, people didn’t even know existed as a task.
Oper’s AI agent product is now live and going to market. Enterprise client volume is growing, and the complexity that comes with it — bespoke contracts, multiple entities, multi-currency — is handled through Light. The finance function that was once a cost department running on spreadsheets is now something the rest of the company looks to as a model for how to work with AI.
Cédric Van Heybeeck · Finance Manager, Oper Credits
“I’ve always thought the name Light was a pretty good description of what the system feels like.”
Cédric Van HeybeeckFinance Manager, Oper Credits
Run finance on evidence, not effort
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