Cash flow
What you can spend, before you spend it
Profflow reads the balance from your bank statement and lays out every payment already known for the next ninety days: customers’ invoices on their due dates, bills, salaries and taxes. The lowest day ahead, less the reserve you keep, is what you can spend.
Safe to spend
€37,308
The balance stays above the reserve for 90 days
Figures: the preview company, an invented Estonian services firm, worked out by Profflow’s cash engine.
How it is counted
One figure, four steps
- €156,344
On the account today
Read from the bank statement - −€59,036
Payments known until the lowest day
In from customers, out to suppliers, staff and the state - €97,308
The lowest day ahead
Where the balance stands at its lowest - −€60,000
Your reserve
The amount you never want to go under - €37,308
Safe to spend
What is left to spend without coming up short
What goes into the forecast
Customers’ invoices
Each open invoice on its due date; one already late is shown as late, not counted as paid.
Supplier bills
Each bill on its due date, or on the day you scheduled it.
Salaries and payroll taxes
Net pay and the TSD on the 10th, from the payroll itself.
VAT
The KMD payment on the 20th, from the month’s invoices.
Only payments already known are on the line. Months further out are an estimate from the months behind, and are marked as one.
Told in time
Alerts before the day they matter
- Under the reserve
The day the projection goes under your reserve, and its lowest point.
- Cash runs out
The day the balance would go below zero on the payments known.
- A large payment ahead
A payment bigger than what is safe to spend, or a fifth of the balance.
- Customers late
Invoices past due, the total and the oldest of them.
- An unusual payment
More than twice what you usually pay that supplier, or a large first payment.
Frequently
asked questions
Can’t find your answer? Write to us
No. It reads the bank statement and counts. The reserve is a number you choose; nothing is set aside in your account.
Ninety days day by day, from payments already known. Further out, month by month, the forecast uses a trend from your past months and says so.
An invoice past its due date is shown as late and counted two weeks from today, marked as an estimate — the forecast never expects it today. A bill past its date is counted as paid tomorrow.
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See your company’s money
clearly, every day
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