How current is the position?

It moves when your banks do. End-of-day statements set the close, intraday reports move it while the day is still running, and the screen carries the moment it was read. Nothing waits for a nightly job or for somebody to press refresh.

Are term deposits and credit lines part of it?

Deposits are, on a line of their own rather than folded into cash: the group owns the money and cannot spend it this afternoon. Undrawn credit lines are held too and they sit outside the position — headroom is what you could borrow, not what you hold.

What happens when a bank has not sent its statement?

The account keeps its last reported closing balance, and the position says so on its own surface with the count of accounts still outstanding beside the figure. It does not estimate the gap, and a file that never arrived never looks like a zero.

Our entities hold several currencies. What do we actually see?

Each account in the currency it is kept in, and a group figure translated at the rates published for the moment the position was read, with each rate and that moment shown beside it. A pair with no published rate for that moment is not converted at yesterday’s rate or triangulated through a third currency: the line stays in its own currency and the total says how many currencies it covers.

Do we have to change anything at our banks or in our ERP?

No. Whatever they send today is what it reads, in the shape it already has. When a bank changes its file the load stops and names the bank, the file and the line rather than guessing, and the figures that file feeds say so instead of quietly moving.

Liquidity and balances

A cash position you can act on, not one you rebuild every morning.

It reads every bank account in the group as the statements arrive, dates each movement by the day the money is actually available, and holds one figure that opens down to the entity, the bank and the statement line. Where an account has not reported yet, the screen says so rather than averaging it in and hoping.

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Treasury position · group

Available today

EUR 153,185,700

What the group can move before its banks close

Bank balances: EUR 162,800,000
Term deposits: EUR 22,400,000
Total liquidity: EUR 185,200,000

As ofAug 14, 2026, 08:00 GMT+2

Every balance translated at the rates published for the moment above — one rate per pair, the same everywhere on the screen.

Statements in from 44 of 47 accounts

3 still on yesterday’s close

The arithmetic

What is actually in a cash position?

Most systems print one number and call it cash. Here is the same morning taken apart: what the group holds, what of it is tied to a maturity date, what has not reached its value date, and what is already promised to leave before cut-off.

One morning, from what is held to what can move

What it is	Amount · EUR
Total liquidityEverything the group holds this morning, balances and term deposits together.	EUR 185,200,000
Term depositsTied to a maturity date. The group owns the money and cannot spend it this afternoon.	EUR -22,400,000
Not yet value-datedCredits the bank has booked with a value date still ahead. The balance shows them; the money is not there.	EUR -4,186,500
Committed before cut-offPayments already approved and queued to leave today. Fund against them twice and something bounces.	EUR -5,427,800

Available today

What the group can actually move before its banks close, across every account that has reported.

EUR 153,185,700

Each of those lines is somewhere a single “cash” figure quietly rounds off the truth. Naming them is not extra detail — it is the difference between a number you report upward and a number you can spend.

What it reads

Where does this morning’s figure come from?

From the files your banks already send and the ledger you already keep. Nobody signs into a bank portal at eight, and nothing is typed in twice.

Whatever each bank sends: MT940, CAMT.053, BAI2, Norma 43, and the national formats in between. A bank that sends something we do not hold yet gets a format profile, not a project.
Through the day, not only at the end of it: Intraday reports move the position while the day is still running, so the figure at eleven is this morning’s rather than last night’s.
Your ledger, carried beside it: Every balance sits next to what your ERP holds for the same account on the same day, so the position and the books never become two stories to argue about at close.

Bank statements · this morning

TODAY

Accounts reporting

Of 47 across the group

MT940: 18
CAMT.053: 15
CSB43: 8
BAI2: 3

Outstanding3

An account that has not reported keeps its last statement’s closing balance, and the count stays on the screen until the file lands.

Where the figures come from

One figure, every level

Does the entity see the same number as the group?

It sees the same record. The group figure is not a roll-up somebody assembled from four regional workbooks on Monday — it is one reconciled position, cut to whichever level the person opening it has to answer for.

The shape of the group above

Companies: 28
Banking relationships: 19
Bank accounts: 47
Currencies held: 5

Group, country, entity, account: Open a level and what is underneath it is the level above, taken apart. Nothing is re-added on the way up, so the two cannot disagree.
Every calendar the cash is kept in: Cut-offs and bank holidays are held per country and per bank, so a balance is never compared against a market that was shut that day.
Booking date and value date, both: They answer different questions, and the position says which one it is showing. What the bank has recorded is not the same as what you can move.
Each currency in the currency it is kept in: Local amounts stay local, and the group figure carries the rate it was translated at and the moment that rate was published. Where a pair has no published rate for the day, that line stays in its own currency and out of the total, and the total’s label says how many currencies it covers.

So the figure in the board pack, the figure the controller is closing against and the figure treasury is funding the day from are one record, read three ways.

Day to day

Who opens this screen, and when?

Four people, at four moments of the same day, and none of them is waiting on the other three.

Treasury, before nine: Funds the day from it: what is available, which accounts it sits in, and what has to move before the first cut-off.
The controller, at the close: Closes against the same balances treasury is funding from, so nobody spends the following week reconciling two versions of one month.
Shared services, through the day: Works the accounts that have not reported and the movements that need a person, rather than re-reading the ones that are already fine.
The CFO, when it is asked for: Takes a figure they can defend upward, with the statement line behind every part of it still attached to it.

What it feeds

Who it is built for

Before you ask

The questions this page gets.

01How current is the position?: It moves when your banks do. End-of-day statements set the close, intraday reports move it while the day is still running, and the screen carries the moment it was read. Nothing waits for a nightly job or for somebody to press refresh.
02Are term deposits and credit lines part of it?: Deposits are, on a line of their own rather than folded into cash: the group owns the money and cannot spend it this afternoon. Undrawn credit lines are held too and they sit outside the position — headroom is what you could borrow, not what you hold.
03What happens when a bank has not sent its statement?: The account keeps its last reported closing balance, and the position says so on its own surface with the count of accounts still outstanding beside the figure. It does not estimate the gap, and a file that never arrived never looks like a zero.
04Our entities hold several currencies. What do we actually see?: Each account in the currency it is kept in, and a group figure translated at the rates published for the moment the position was read, with each rate and that moment shown beside it. A pair with no published rate for that moment is not converted at yesterday’s rate or triangulated through a third currency: the line stays in its own currency and the total says how many currencies it covers.
05Do we have to change anything at our banks or in our ERP?: No. Whatever they send today is what it reads, in the shape it already has. When a bank changes its file the load stops and names the bank, the file and the line rather than guessing, and the figures that file feeds say so instead of quietly moving.

See your own position, reconciled.

Bring one month of statements and one extract from your ERP. We will show you your own group position — with the accounts that did not report and the lines that do not match still in it, which is usually the part worth seeing.

Request a demo See the whole product

A first look runs from files alone. Nothing has to be connected to your banks to do it.