Cases · Cash and margin · Case #049
Studio + constructionSMB ~10MReconciled treasury

You issue the invoices. Who collects them?

It's not revenue you're missing: it's the cash no one was chasing.

65,000 euro
overdue receivables recovered in the first quarter
-18
average days to cash
0
reconciliation time, it happens on its own
Confirmed
The house that was burning

The ERP showed invoices issued. Never what was collected.

The owner ran two entities under the same roof: the studio and the construction firm. On projects worth around 10 million, money moved in and out across multiple accounts, multiple work orders, with progress invoices issued and never followed up. The simplest question, "how much do I actually have in cash right now, net of what I owe and what is owed to me?", couldn't be answered in less than half a day of exports, spreadsheets and calls to the accountant.

The poison he drank without noticing: the invoice went out, ended up in a PDF, and died there. No one reconciled it against the bank transfer. A progress invoice worth tens of thousands stayed open 90, 120 days, not because the client wouldn't pay, but because no one had chased it. Owed money doesn't scream: it dies in silence.

The three truths that didn't talk to each other
ERPknows what was ISSUEDHome bankingknows the MOVEMENTSAccountantcloses AFTER××Reconciled cashissued -> collected yes / no

Three separate truths: the ERP knew billings, the bank knew movements, the accountant knew the books after the fact. To join them someone had to reconcile by hand, line by line. That someone was the owner, who didn't have the time. So it never got done, and cash stayed an estimate.

Aging receivables
"You spot the gap only when it's under your nose, and by quarter-end 60-70 thousand euro were stuck in invoices a simple chase would have unlocked."the real cost of not-doing
Receivables by aging bracket · before
current30 d60 d90+ dsleeping here

Old credit sank instead of standing out. The buckets past 60 days, in red, were tens of thousands already earned and never collected. Not a client problem: a visibility problem.

Why it stayed unresolved

He had everything. Except the three things that talk to each other.

He had the accountant, he had the ERP, he had home banking. The accountant closes the books after the fact, not in real time. The ERP knows billings, not the bank statement. Home banking knows the movements, not which invoice they belong to.

To join them, someone had to sit down and reconcile by hand, line by line. And that someone was him, and he didn't have the time. It's not a lack of tools: it's that no single tool tells you how much cash you actually have.

What we built

Reconciled cash, on the phone.

A single certain number, continuously updated. Reconciliation happens by itself: every invoice matched against the bank, every aged credit that asks to be chased.

01
Real liquidity, in three seconds

One view over all the accounts of both companies, readable from the phone.

02
Automatic reconciliation

Every invoice matched against bank movements: no longer "issued", now "collected yes / no".

03
Aged payables by bucket

Current, 30 / 60 / 90+ past due: old credit stands out instead of sinking.

04
Flow direction

Vendor payables and where cash is going: is the month draining or filling?

05
The runway

For how many days cash holds at the current burn, with no new inflows.

The result

65,000 euro recovered, just because they were visible.

Cash stopped being an estimate to rebuild and became a certain number, always in the pocket. Chasing went from a task to postpone to a thirty-second decision with a coffee in hand.

Overdue receivables in Q1 · before and after
JanuaryFebruaryMarchoverdue receivables65,000 euro recoveredchases sent

As soon as receivables became visible and chased, overdue balances started coming down: about 65,000 euro back in the first quarter, without a euro of new billing.

Receivables recovered · Q1
65,000 euro

Only because for the first time they were visible and chased.

Average days to cash
-18

The chase goes out the moment the invoice slips, not at quarter-end.

Reconciliation time
∞ -> 0

From half a day at month-end to zero: it happens by itself, continuously.

In one line

It's not revenue you're missing: it's the cash no one was chasing.

How much is stuck, right now, in receivables a simple chase would unlock? The ROIometro puts it in euros.

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