Live reporting
You build the cash flow statement. Every line ties back to a reconciled movement.
Define its sections and lines, and it recomputes as your transactions categorize — no monthly export, no rebuild. Open any figure and you land on the bank and ledger movements it came from.
Net movement
EUR 2,244,600
Receipts less payments, every line categorized
- Operating
- EUR 1,804,600
- Customer collections
- EUR 6,180,000
- Card settlement
- EUR 1,240,000
- Supplier payments
- EUR -3,420,000
- Payroll
- EUR -1,690,000
- Indirect taxes
- EUR -505,400
- Investing
- EUR 402,000
- Maturing deposits
- EUR 720,000
- Capital expenditure
- EUR -318,000
- Financing
- EUR 38,000
- Credit line drawdown
- EUR 322,000
- Loan repayments
- EUR -212,000
- Interest paid
- EUR -72,000
1,251 transactions categorized to a line
33 still waiting on a rule, out of the statement until placed
Your structure
How do you build a cash flow statement?
The statement is a structure, not a template. You define the sections, the lines under them, and how each rolls up to the net — then reorder, rename or add a line whenever the business changes.
- Define the sections and lines
- Group receipts and payments the way your business reads them. Start from the usual sections or lay out your own.
- Set how each line rolls up
- Every line feeds its section, and every section feeds the net movement. Change the hierarchy and the totals follow.
- Reorder, rename, add a line
- The structure is configuration, not a rebuild. Add a line, rename a section or change the order, and the statement takes the new shape at once.
Statement lines
10
across 3 sections you arrange
Operating5 lines
- Customer collections
- Card settlement
- Supplier payments
- Payroll
- Indirect taxes
Investing2 lines
- Maturing deposits
- Capital expenditure
Financing3 lines
- Credit line drawdown
- Loan repayments
- Interest paid
From line to movement
Where does each line’s number come from?
Every line is the sum of the transactions categorized into it, and every transaction is a bank movement already reconciled against the ledger. Open a line and you see them — down to the statement reference each one was read from.
- Categorized transactions feed the line
- Each figure is real cash that moved, grouped by your rules — not an accrual worked backward from a balance.
- Every movement is reconciled
- Behind each line sit bank movements matched to the ledger, both legs of every intercompany transfer among them.
- Drill to the source
- Open any line to the movements underneath, each carrying the bank message it was read from. A figure you cannot trace does not belong on the statement.
Customer collections
EUR 6,180,000
612 movements behind this one line, each reconciled bank to ledger
- Wholesale customer receiptCAMT.053 · 4471QX
- EUR 312,880.00
- Card acquirer settlementCAMT.053 · 4471R2
- EUR 184,200.00
- Agency booking receiptMT940 · 88·0142
- EUR 96,540.00
3 of 612 movements shown — the drill reaches every one
Never stale
What keeps the statement up to date?
An exported statement is out of date the moment it is saved. This one is a view over the reconciled movements, so it moves when they do — and it says what it has not yet placed rather than guessing.
- It recomputes as transactions categorize
- New movements land, your rules place them, and the lines and totals change with them. There is no monthly rebuild and no version to reconcile.
- It weighs, and it declines
- The engine scores the rules that could apply and picks the one the evidence supports. When nothing fits, it holds the transaction out rather than forcing it into the nearest line.
- It keeps the trail
- Every categorized transaction keeps why it landed where it did, and the alternatives keep their scores. The whole statement exports with its evidence.
A transaction that matches no rule waits for you, uncategorized and named on the surface. The statement never quietly drops it into a line to make the total look whole.
Who reads it
Who uses a cash flow statement?
One statement, read three ways — the person who builds it, the person who acts on it, and the person who signs it off.
- The controller
- Owns the structure and the rules, and reconciles each line to the movements behind it. The waiting transactions are their queue, not a silent gap.
- The treasurer
- Reads the net movement for the period and drills into a spike the moment it appears, without waiting for a month-end pack.
- The CFO
- Reads the group’s cash for the period and can defend any figure upward, because every one of them traces to a reconciled movement.
What the statement feeds
Questions
Common questions about the statement
- 01What is a cash flow statement?
- A cash flow statement lists the cash that actually came in and went out over a period, grouped into sections that add up to what the group’s cash did. Here every line is real money that moved, read from the bank and matched to the ledger. Where a group holds several currencies, the part of the change that is only the rate moving gets a line of its own rather than being folded into one of the sections.
- 02How is this different from exporting a cash flow statement?
- An export is a snapshot that is stale the moment it is saved. This statement is a live view over the reconciled movements: it recomputes as transactions categorize, and every line still opens to the cash underneath it.
- 03Can I build my own statement structure?
- Yes. You define the sections, the lines under them and how each rolls up to the net movement, then reorder, rename or add a line whenever the business changes. The structure is configuration, not a rebuild.
- 04Does every line tie back to the actual bank movements?
- Yes. Open any line and you reach the transactions categorized into it, each one a bank movement already reconciled against the ledger and carrying the message it was read from. A figure that cannot be traced does not ship on the statement.
- 05What happens to a transaction that does not fit a rule?
- It waits, uncategorized and named on the surface, until you place it. The statement holds it out rather than dropping it into the nearest line, so the total never claims a movement it has not accounted for.
See the cash flow statement built on your numbers.
Bring your banks and your ledger. We reconcile them, you define the statement, and every line traces back to the movement it came from.
A working session on your own data, with the structure and the drill live.