Tools that put the advantage back in your hands.

We build the structured back-office and risk work a full team would normally handle, for the small firm and the independent operator. You can own each tool outright instead of renting it month after month.

A studio,
not a single app.

Each tool is built for one kind of work and gives that professional time back, by saving the hours, reducing the risk, or organizing the mess. So you can do the work that matters.

Built for the operator doing the work.

HR Risk

Numidian

You put in the facts. We organize them by risk factor.

Structured risk scoring for the workplace dispute in front of you, built for fractional HR consultants and employment attorneys who need a fast, consistent read before they advise a client.

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A line of tools you own outright.

Alongside Numidian, Holdings is a set of small, private tools you buy once and run on your own machine. No account, no subscription, no connection. The numbers you put in, a deal, your debts, your portfolio, never leave your computer.

Owned tool

Rental Value Analyzer

Grade a rental in ten seconds, on your own machine.

Cash flow, cap rate, DSCR, a year-by-year projection, and a deterministic A-through-F grade for the deal in front of you.

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Owned tool

Financial Decision Calculators

Four money decisions, worked out privately.

Debt payoff, amortization, buy versus rent, and a savings projection, in one file that runs entirely on your machine.

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Owned tool

Portfolio Allocation Analyzer

Your allocation and concentration, without handing them to a website.

Allocation by asset class, concentration metrics, and the exact moves to reach your target, with nothing transmitted.

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The dividend was always meant to go back to the person who earns it.

Consumer Dividends started from one idea, and it is our clearest way to understand what gets built and what does not.