The complete framework for deploying one million euros in European markets. Not theory — a working model with real EU numbers, actual cost structures, and the tools that make it work.
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What's Inside
Five sections. Zero padding.
Every section has one job: give you a decision-making framework that works in European markets. No motivational content, no US-centric case studies.
01
The €1M Framework — How the Thinking Model Works
Not the video script — the actual decision logic. How to think about capital allocation across Build, Scale, and Protect buckets. Why the ratios change by industry. How to stress-test an allocation before you commit.
02
EU Data Tables — Rates, Costs & Mechanics
German Bund rates vs. EURIBOR context. French employer cost calculations (charges patronales). VAT OSS mechanics for pan-EU e-commerce. EU payment stack comparison: Mollie vs. Adyen vs. Stripe — fees, settlement, and when each wins.
03
3 Worked Examples — SaaS, E-commerce, Local Service
Full €1M allocation with EU-specific line items. Each example shows what the US version would look like, what changes in Europe, and why. Real cost structures: payroll taxes, EU hosting costs, VAT implications.
04
Blank Allocation Template
The exact template used to build every MoneyFrame breakdown. Fill in your business category, your capital amount, your target geography. Includes decision prompts for each line item so you can justify every allocation.
05
EU Tool Stack — Every Tool Referenced, With Context
Personio, Mollie, Factorial, Holded, Qonto, Pennylane, Agicap — every EU-first tool mentioned across the content library. What it does, when to use it, when the global alternative wins instead.
Section 2 Preview
EU Data Tables
The reference data that makes the framework actionable. Updated for 2026.
German Bund Rates vs. EURIBOR Context
Rates
Instrument
Rate (2026)
Use Case
Risk Level
German Bund 10Y
~2.6%
Risk-free baseline for EU
Very Low
EURIBOR 3M
~2.4%
Floating rate benchmark
Low
ECB Deposit Rate
~2.25%
Floor for EUR overnight rates
Very Low
High-yield EU corp bond
5–7%
Higher yield, accepting credit risk
Medium-High
Private credit (EU SME)
8–12%
Illiquid, long lock-up periods
High
French Employer Cost Calculator
Payroll
Cost Component
% of Gross Salary
Notes
Gross salary (net × ~1.28)
100%
Base reference point
Employer social charges
+40–45%
Health, pension, unemployment
Apprenticeship tax
+0.68%
On gross salary mass
Construction contribution
+0.45%
For firms >50 FTE
Total cost to employer
~1.42–1.47× gross
€60K net → ~€100K total cost
EU Payment Stack Comparison
Payments
Provider
Card Fee
Settlement
Best For
Mollie
1.8% + €0.25
Next day
EU SME, iDEAL/SEPA
Adyen
Interchange + 0.3%
2 days
Enterprise, high volume
Stripe (EU)
1.5% + €0.25
7 days (new)
Dev-friendly, global reach
SumUp
1.69% flat
Next day
POS / local business
PayPlug (FR)
~1.5% + €0.30
Next day
French e-commerce
VAT OSS Mechanics — Pan-EU E-commerce
Tax
Country
Standard VAT
Reduced VAT
OSS Threshold
Germany 🇩🇪
19%
7%
€10,000 EU-wide
France 🇫🇷
20%
5.5% / 10%
€10,000 EU-wide
Netherlands 🇳🇱
21%
9%
€10,000 EU-wide
Spain 🇪🇸
21%
10%
€10,000 EU-wide
Poland 🇵🇱
23%
8%
€10,000 EU-wide
Section 3
3 Worked Examples
Full €1M deployment, line by line. Each example includes EU-specific cost structures and the decisions behind every allocation.
SaaS
€1M into a B2B SaaS targeting EU SMEs
Deployed
€1,000,000
Engineering Team (18 months)
2 senior devs + 1 product designer, Berlin or Lisbon rates
GDPR compliance is a cost center, not an afterthought — €50K is the minimum for proper legal scaffolding. Engineering costs benchmarked to Lisbon/Warsaw rates, not London or Amsterdam. DACH-first go-to-market because German B2B buyers have the highest LTV in EU SME SaaS.
E-Commerce
€1M into a DTC brand selling across EU via OSS
Deployed
€1,000,000
Inventory (first 3 POs)
EU-sourced manufacturing, minimum MOQ buffer
€300,000
30%
Paid Media (Meta EU + Google)
Separate campaigns per country — one creative does not fit all
€280,000
28%
3PL & Fulfilment (EU hub)
Single warehouse in NL or DE for pan-EU shipping
€120,000
12%
Tech Stack (Shopify + OSS registration)
Shopify Markets, VAT OSS setup via tax agent
€50,000
5%
Brand & Creative
Localised for 3 markets: DE, FR, NL
€100,000
10%
Working Capital Reserve
Covers 60-day supplier terms and returns float
€150,000
15%
EU-specific decisions
One EU warehouse (NL or DE) eliminates customs complexity while covering 70%+ of EU purchasing power. VAT OSS registration is mandatory above €10K cross-border — budget for the tax agent setup. Paid media budgets split by country because CPMs and buyer behaviour differ significantly: German buyers research longer, French buyers convert faster.
Local Service Business
€1M into a premium home services rollup (Germany)
Deployed
€1,000,000
Acquisitions (3 existing businesses)
Buy at 3–4× EBIT — local plumbers, cleaners, installers
Google Local, review management, Google Ads per city
€70,000
7%
Working Capital & Equipment
Vans, tools, consumables for year 1
€150,000
15%
Management Hire
1 ops manager, 12-month runway at German rates
€100,000
10%
Reserve
Acquisition overruns, legal disputes, earnouts
€50,000
5%
EU-specific decisions
German trades businesses sell at 3–4× EBIT — cheaper than the UK equivalent. Personio handles German-specific payroll complexity (Lohnsteuer, Sozialversicherung) out of the box. Local SEO in Germany requires separate Google Business Profiles per city because buyer trust is hyper-local. Earnout structures are common in German SME acquisitions — keep reserve liquid.
Section 4
Your Blank Template
The allocation model used to build every MoneyFrame breakdown. Fill in your own numbers, justify every line.
€1M Allocation Template
Fill in your business category, capital, and target geography
Your Version
Allocation Item
Amount
%
Core build / primary asset / acquisition
€______
___%
Team / headcount (name each role)
€______
___%
Marketing / customer acquisition
€______
___%
Tech stack / tooling / infrastructure
€______
___%
Legal / compliance / EU-specific requirements
€______
___%
Working capital / cash reserve
€______
___%
Other (specify)
€______
___%
Total Deployed
€1,000,000
Section 5
The EU Tool Stack
Every EU-first tool referenced across the MoneyFrame content library. What it does, when it wins, when the global alternative is better.
HR & Payroll
Personio
German-built HR platform handling EU payroll complexity — Lohnsteuer, Sozialversicherung, French charges, Dutch employee contracts.
Use when: Hiring in Germany, Austria, or Switzerland. Native compliance beats Workday's EU add-ons at this scale.
HR & Payroll
Factorial
Spanish-origin HR tool strong in Southern Europe. Better localization for Spanish, Italian, and Portuguese employment law than German alternatives.
Use when: Building in Spain, Italy, or Portugal. The UI is better than Personio for Mediterranean markets.
Payments
Mollie
Dutch payment processor with native iDEAL, Bancontact, SEPA Direct Debit. Built for EU e-commerce from the ground up.
Use when: Selling to Netherlands, Belgium, or running pan-EU subscription billing. iDEAL conversion beats cards in NL.
Banking
Qonto
French neobank built for EU SMEs. IBAN, SEPA transfers, multi-user access, accounting integrations — all designed for the EU regulatory context.
Use when: Incorporating a French, German, Italian, or Spanish entity. Better than Revolut Business for EU-native compliance.
Accounting
Pennylane
French accounting SaaS built for French accounting norms (PCG). Connects directly to French accountants and handles FEC exports.
Use when: Running a French entity. Accountants prefer it over Sage or QuickBooks for French compliance.
Accounting
Holded
Spanish ERP covering accounting, invoicing, and inventory. Native SII (Immediate Information Supply) for Spanish tax reporting.
Use when: Running a Spanish entity. SII compliance is mandatory for high-volume Spanish businesses — Holded handles it natively.
Cash Flow
Agicap
French cash flow forecasting platform. Connects to EU bank accounts, syncs with accounting software, projects 13-week cash positions.
Use when: Managing multi-entity EU operations or whenever cash timing (supplier terms, VAT refunds) needs to be modelled.
E-commerce
Shopify Markets
Shopify's native multi-market layer handling currency conversion, EU VAT OSS compliance, and market-specific pricing from a single store.
Use when: Selling DTC across 3+ EU countries. Markets eliminates the need for separate Shopify stores per country.
Stop building on dollar assumptions
The framework is €9. The mistakes it prevents cost multiples more. EU founders have been applying US playbooks to European markets for a decade — this is the correction.