Feature
The cash you have. The cash you'll have.
One view separates the cash you actually banked from the 12-month projection. No more doubt about what's earned and what still depends on your clients.
Day-to-day use cases
- Decide if you can afford a €3,000 training in September — the projection shows the actual impact.
- Anticipate the cash dip in Jan-April when URSSAF/HMRC bills you for 4 quarters of charges.
- See 6 months ahead that you need to prospect before the current mission ends.
- Know whether 4 weeks of vacation in August are OK — or whether they'd break your treasury.
How it works
- 1Your confirmed missions, recurring expenses, charges and VAT are projected over 12 months.
- 2The engine knows you invoice end of month and your client pays in 45 days — cash hits M+2.
- 3For past months, only realized counts (paid invoices, settled expenses). No pollution from assumptions that didn't materialize.
- 4The 0-100 health score summarizes 5 dimensions: collection, runway, margin, client diversification, regularity.
Details that make the difference
Realized vs projected asymmetry. Past months only show actual cash in/out. Future months are fully projected. Current month mixes both.
Runway in months. How many months you can operate with no new mission coming in. Computed from current cash and fixed expenses.
Invoice → payment lag. The engine knows NET_30 doesn't mean exactly 30 days. 15-day tolerance by default, configurable per entity.
Client diversification. The health score penalizes a portfolio too concentrated on one client (>50% of revenue).
Frequently asked questions
What's exactly the difference between realized and projected?
Realized is money that's actually been banked or spent (invoices marked PAID, expenses with actualDate, paid VAT). Projected is what the engine estimates will happen in the future based on your missions, recurring expenses and charges calendar. They never appear on the same data point — past months are realized only, future months are projected only.
How is the health score calculated?
Five dimensions are weighted: collection (late vs on-time payments), runway (cash / monthly expenses), margin (revenue - charges), diversification (client concentration), regularity (month-to-month revenue variance). Each dimension is scored and the weighted average yields 0-100.
What if a mission slips a month?
You update the date in the calendar. The 12-month projection recalculates instantly and the health score adjusts.