The verdict in three sentences
For a Berlin accounting practice, a vertical SaaS (25-60 EUR/user/month) wins on fast rollout, but a custom-built platform (45,000-95,000 EUR) pays off as soon as a client portal and document management become commercial differentiators. The real trade-off is not the entry price but the exit cost and the 2 to 4 hours per week recovered per staff member. Below 8 staff the SaaS is usually right; above that, custom justifies itself over three years.
Vertical SaaS or custom: the real cost
Per-user SaaS billing feels painless but compounds. Custom demands a heavier upfront investment, then amortises over a predictable maintenance fee. Here are 2026 orders of magnitude for a 12-user Berlin firm.
| Item | Vertical SaaS | Custom build |
|---|---|---|
| License / initial build | 0 EUR (subscription) | 45,000-95,000 EUR |
| Monthly cost per user | 25-60 EUR | included in maintenance |
| Client portal + DMS | often an add-on | 8,000-18,000 EUR |
| Monthly maintenance | included | 900-2,500 EUR |
| Vendor day rate | — | 500-700 EUR |
| Time to go live | 2-6 weeks | 12-20 weeks |
| Exit / migration cost | high (lock-in) | data you own |
The hidden SaaS line item is lock-in: limited export, billed data recovery, pricing that climbs at each renewal. Custom flips the logic: you pay to own.
Three-year comparison (12 staff)
| Scenario | Year 1 | Years 2-3 | 3-year total |
|---|---|---|---|
| SaaS at 45 EUR/user | 6,480 EUR | 12,960 EUR | 19,440 EUR |
| SaaS at 60 EUR/user + portal | 10,800 EUR | 17,280 EUR | 28,080 EUR |
| Custom 70,000 EUR + DMS 12,000 EUR | 82,000 EUR + 18,000 maintenance | 36,000 maintenance | 136,000 EUR |
Over three years the SaaS stays cheaper in pure cash. But this table ignores two effects: the SaaS annual price rise (often 5-10%/year) and the value created by a custom client portal that differentiates the firm and cuts document back-and-forth. That is where the decision is made.
Mini case study
Mathilde, partner at a 12-person accounting firm in central Berlin, loses too many hours chasing clients for missing documents. She invests 70,000 EUR in custom software with a client portal + DMS (12,000 EUR) plus 1,500 EUR/month maintenance. Each staff member recovers 3 hours a week thanks to automated document collection. At a loaded cost of 45 EUR/hour, that is 12 × 3 × 45 × 45 weeks = 72,900 EUR/year of recovered capacity. The build pays back in a little over a year, before counting the commercial upside of a portal that helps her sell better-margined advisory work.
FAQ
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Is a SaaS enough for a small firm?
Yes, below 8 staff a SaaS at 25-45 EUR/user/month covers the essentials for 2,400 to 5,400 EUR/year. Custom is justified mainly when the client portal becomes a sales argument.
What does the client portal + DMS module cost?
Budget 8,000 to 18,000 EUR depending on automation (reminders, document OCR, e-signature). It is the line item that generates the most measurable time savings.
How long for custom software?
Between 12 and 20 weeks for a standard practice scope. A clear requirements spec shortens this and avoids 20-30% quote drift.
What maintenance budget should I plan?
Maintenance of 900 to 2,500 EUR/month depending on criticality and volume of changes. Without maintenance, business software degrades within 18-24 months.
Is custom worth it over 3 years?
In pure cash the SaaS is often cheaper. But once you value the hours saved (2-4 h/staff/week) and the absence of lock-in, custom pulls ahead at around 10-12 staff.
Let's scope your project. Tell us about your firm (headcount, current tools, client portal needs) and we will cost out the most profitable SaaS-vs-custom scenario, indicative budget 45,000-95,000 EUR by scope. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
