The verdict in three sentences
A vertical SaaS license is unbeatable below 12 staff, with near-zero entry cost and go-live in 2 to 4 weeks. Above 20 to 25 staff, bespoke development (40,000 to 100,000 EUR) becomes rational because the per-seat subscription eventually exceeds the amortization of a proprietary tool. The real question is not the entry price but the 5-year TCO and control over your client portal and document management.
Vertical license vs bespoke: the 2026 comparison
Vertical vendors bill a per-user subscription. Bespoke requires upfront investment but removes the per-head fee.
| Criterion | Vertical SaaS license | Bespoke development |
|---|---|---|
| Upfront cost | 0 to 3,000 EUR (setup) | 40,000 to 100,000 EUR |
| Recurring cost | 30 to 80 EUR / staff / month | Hosting + maintenance 800 to 2,500 EUR / month |
| Go-live time | 2 to 4 weeks | 4 to 8 months |
| Workflow customization | Limited to vendor options | Total |
| Client portal | Standard, hard to change | Bespoke, firm-branded |
| Code ownership | No (vendor lock-in) | Yes |
| Data reversibility | Often constrained export | Owned database |
5-year TCO by headcount
The tipping point depends directly on billable staff. Here is a 2026 order of magnitude for an average 55 EUR per head per month subscription versus a bespoke build amortized at 70,000 EUR plus 1,500 EUR monthly maintenance.
| Headcount | 5-yr TCO license (55 EUR/head) | 5-yr TCO bespoke | Most economical |
|---|---|---|---|
| 5 staff | 16,500 EUR | 160,000 EUR | License |
| 10 staff | 33,000 EUR | 160,000 EUR | License |
| 20 staff | 66,000 EUR | 160,000 EUR | License |
| 30 staff | 99,000 EUR | 160,000 EUR | License |
| 45 staff | 148,500 EUR | 160,000 EUR | Break-even |
| 60 staff | 198,000 EUR | 160,000 EUR | Bespoke |
The switch-over sits around 45 to 50 staff in this scenario. Below it, the license wins; above it, or if you demand a differentiating client portal and bespoke document management, dedicated development becomes strategic.
The features that justify bespoke
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Document management indexed by engagement and fiscal year, a client portal with document upload and signature, engagement tracking with filing-deadline alerts, per-staff workload dashboards, and connection to your production tools. These specific workflows, uncovered by standard options, are what make a proprietary tool pay off beyond the license saving.
Mini case study
Mark, partner at a 24-staff firm in Manhattan, currently pays 55 EUR per head per month, i.e. 15,840 EUR per year, with no firm-branded client portal. Over 5 years his license costs 79,200 EUR. A bespoke build at 72,000 EUR plus 1,500 EUR monthly totals 162,000 EUR over 5 years: pricier in pure cash. But by internalizing document management and a premium client portal, he estimates saving 6 hours per week on document collection, i.e. roughly 280 hours/year valued at 60 EUR = 16,800 EUR/year. Bespoke pays back within 4 years.
FAQ
How much does accounting firm software cost in 2026? Expect 30 to 80 EUR per staff member per month depending on modules (production, review, document management, portal). A 10-person firm lands around 6,600 EUR per year.
At what headcount does bespoke pay off? In a 55 EUR per head scenario, the 5-year TCO break-even appears around 45-50 staff, or earlier if productivity gains exceed 15,000 EUR per year.
How long does bespoke development take? Expect 4 to 8 months from scoping to production, depending on scope (document management, portal, engagement tracking, integrations).
What happens to my data if I leave a vertical vendor? Export is often constrained and billed. A bespoke tool guarantees ownership of the database and controlled reversibility, a key argument for a growing firm.
Can we migrate gradually without stopping production? Yes, by starting with one module (client portal or document management) then extending. Budget 15,000 to 25,000 EUR for that first scope.
Let's scope your project. Tell us your headcount, current production tools and priorities (document management, client portal, engagement tracking) for a calibrated budget estimate. 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.
