The verdict in three sentences
A "subscription" website at 99 EUR/month appeals on cash flow but leaves you no asset: no code, no design, sometimes not even the domain name. Over 5 years you pay the equivalent of an owned site while owning nothing and staying locked into the vendor. Renting only makes sense to test an idea short-term or smooth a very tight cash position.
Renting vs owning: the 2026 comparison
2026 order of magnitude on the Dublin market, for an 8-to-15-page B2B marketing site.
| Criterion | Rented site (subscription) | Owned site |
|---|---|---|
| Entry cost | 0 – 500 EUR | 12,000 – 30,000 EUR |
| Monthly fee | 79 – 249 EUR/mo | 200 – 500 EUR/mo (maintenance) |
| Code ownership | No | Yes |
| Design ownership | No | Yes |
| Reversibility | Low to none | Total |
| Balance-sheet asset | None | Capitalisable asset |
| 5-year cost | 4,740 – 14,940 EUR | 24,000 – 60,000 EUR |
At first glance renting looks 2-3x cheaper over 5 years. But at the end, the rented site vanishes if you stop paying, whereas the owned site remains an asset you control and can evolve or resell.
The real cost of lock-in
The risk is not the monthly price but the dependency. Here is what lock-in concretely costs when you want to leave.
| Exit scenario | Rented site | Owned site |
|---|---|---|
| Code retrieval | Impossible / often refused | Immediate (you own it) |
| Content retrieval | Limited export | Total |
| Domain transfer | Sometimes blocked | Free |
| Rebuild elsewhere | Start from scratch (+8,000 EUR) | Continuity |
| Imposed price rise | Endured (up to +30%/yr) | Negotiable |
The decisive clause is reversibility: at signing, require in writing the return of source code, content and domain if the contract ends. Without it, the 99 EUR monthly fee is really a lifetime subscription under threat of losing your entire site.
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Mini case study
Karim, owner of an engineering practice in Dublin (12 staff), signs a 149 EUR/mo "site + hosting + maintenance" offer. Three years on, he wants to migrate to a faster site. The vendor refuses to hand over the code and bills 900 EUR to export the content. Karim has already paid 36 × 149 = 5,364 EUR owning no asset, and must start from scratch for 12,000 EUR.
Had he bought an owned site at 14,000 EUR + 250 EUR/mo maintenance, he would have spent 14,000 + 9,000 = 23,000 EUR over 3 years, but with a controlled, revaluable asset and no fresh start. The maths flips as soon as you factor the exit cost: renting is a disguised cash-flow trap.
FAQ
When does renting become more expensive than owning? Usually between years 4 and 6, depending on the monthly fee. A 149 EUR/mo subscription exceeds the cost of an owned site by year 5, without ever producing an asset.
Can a rented site suit a business? Yes, for a market test under 18 months or a very tight cash position. Beyond that, the lack of an asset and the lock-in weigh heavily. It is not a structural choice for an established business.
What should I require before signing a subscription? A written reversibility clause: return of code, content and domain within 15 days if the contract ends, without abusive fees. Without this clause, refuse or negotiate ownership.
Does renting really include maintenance? Often minimal maintenance (updates, hosting). Functional changes are billed extra, sometimes at high rates for lack of competition, since you are locked in.
Can an owned site sit on the balance sheet? Yes, a custom-built site can be capitalised and amortised (often over 3-5 years), making it an accounting asset. A rented site stays an expense with no asset counterpart.
Let's scope your project. Tell us your horizon and cash-flow constraint: we cost renting vs owning over 5 years and secure reversibility by contract. 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.
