Grow with confidence. Forecast your cash flow, reduce your risk.
With FlowFinance you analyze balance sheets and payment behavior, assess your customers' credit risk and make better-informed payment decisions, all in one platform.
Metalfer Ltd. (example)
Medium risk
Balance sheet
68/100
Payments
75/100
Metalfer Ltd.
Nordwind Logistics
Edilcasa Materials
Gamma Services
Delta Freight
€248,000
42 days
Invoice due dates
Demonstration example of the interface with synthetic data. It does not represent real customer data.
Balance sheet analysis
The customer's income, financial and asset position
Payment history
Real payment behavior from your invoices
Customer index 0-100
Credit reliability in a single concise value
Multi-user
Roles and permissions for the entire organization
Selling counts. Getting paid counts just as much.
Customers who systematically pay their invoices late.
New customers whose reliability you don't know.
Payment terms agreed without adequate information.
Difficulty forecasting collections and managing liquidity.
FlowFinance turns financial and commercial information into better-informed business decisions.
From gathering information to decisions, in four steps
Analyze the customer
Use the available balance sheet information to understand the customer's financial situation.
Understand payment behavior
Review the payment history of the invoices you issued to the customer, where that information is available.
Get the reliability index
Review a concise assessment of the customer's credit risk, based on the available information.
Decide with greater awareness
Use the analysis to set payment terms, monitor your customer portfolio and plan your cash flow.
It's not just what the balance sheet says. It's also how your customers pay you.
Balance sheet analysis
The customer's income, financial and asset position, derived from the available balance sheet.
Payment history
The actual payment behavior, derived from the invoices you have already issued to the customer.
Customer reliability index
A concise assessment, based on the available information.
Better-informed commercial decisions
A solid balance sheet doesn't tell the whole story
A customer with an apparently solid balance sheet can still show irregular payments: actual delays towards their own suppliers is information the balance sheet alone doesn't show.
A good track record doesn't remove the weaknesses
Conversely, a history of on-time payments is a useful signal, but it doesn't erase any financial weaknesses that emerge from the balance sheet: the two sources complement each other.
One clear index. Better-informed decisions.
FlowFinance summarizes the available information on each customer into a 0-100 reliability index, with a credit risk classification.
Demonstration example
Metalfer Ltd.
/100
Reliability index
Contributing factors
The index is based on the available information. Where the payment history or the most recent balance sheet is missing, the assessment relies on the other sources and should be read with greater caution.
One glance, the full picture
Instead of reading balance sheets and invoice lists separately, the index gives you a single, immediate measure to compare customers, set payment terms and monitor the overall quality of your portfolio.
Decision support, not a guarantee
The index helps you ask the right questions and guide your commercial assessments. It doesn't guarantee that a customer will pay: the final decision always rests with the person evaluating the credit.
Synthetic demonstration data. The scale and classifications match those in the application (index 0-100, low, medium or high risk).
Two customers. Two different payment behaviors. Two different decisions.
How combining the balance sheet with the payment history can lead to different payment terms for different customers.
Customer Alpha
Comfortable profileHow the analysis can guide the decision
The available information supports standard payment terms, with regular monitoring of the due-date schedule.
The final decision always rests with the company. This comparison is an illustrative simulation with synthetic data: it is not a real credit assessment nor a payment forecast.
Not just tracking invoices. Understand your collection trends.
Reports and analysis to understand liquidity, collections and the reliability of your entire customer portfolio, not just the individual customer.
Understand cash flow
Visualize money in and money out, and the projected cash position, week by week.
Analyze collection trends
Track how payments and collections evolve over time and spot trend changes.
Assess portfolio reliability
The reliability index on each customer feeds the overall assessment of your portfolio's quality.
See your commercial exposure
Know your trade credit to your main customers and the potential risk areas.
Support financial planning
Reports ready for conversations with your bank, shareholders and collaborators.
Incoming (30 days)
€42,800
Overdue
€18,400
Average portfolio risk
Medium
The right information, to the right people.
Multiple users from the same organization can work on FlowFinance. The administrator manages access and permissions, so each person only sees and does what is theirs.
Organization administrator
Invites users, defines granular roles and permissions for each module and manages the organization.
Admin & finance team
Handles invoices, payments and due-date schedules: the operational level where payment behavior data originates.
Management
Reviews dashboards, reliability indexes and reports to make decisions on credit and payment terms.
Other authorized users
Access only to the modules the administrator has granted permission for: shared visibility, without exposing everything to everyone.
Granular per-module permissions: dashboard, customers, invoices, payments, reports and forecasts. Information is only visible to authorized users of the organization.
For companies that sell today and get paid tomorrow.
Wholesalers and distributors
Many customers, thin margins and long payment terms: a single insolvent customer can wipe out the margin of dozens of orders.
Assess every customer's reliability before granting credit and monitor your portfolio's exposure over time.
Manufacturing companies
Large recurring orders with long payment cycles: cash is tied up for months before collection.
Combine balance sheet analysis with payment history to decide how much credit to grant each order supplier.
Construction materials and plant suppliers
Projects that close late and balances collected months later, often with recurring delays.
Before major supplies, check the customer's reliability and agree payment terms that fit their profile.
B2B service providers
Services delivered before payment and limited ability to protect yourself: one late customer immediately weighs on liquidity.
Decide payment terms and deposits based on concrete data, not on trust, and keep your due-date schedule under control.
Transport and logistics
Continuous invoicing and cash-sensitive operations: collection delays immediately spread to fuel, staff and vehicles.
Forecast collections, monitor due dates and spot early the customers whose payment behavior is deteriorating.
Custom quote
Book a call and receive a quote based on your needs
Enterprise
For structured teams and companies
Frequently asked questions
Know your customers better.
Make smarter credit decisions.
Find out how FlowFinance can help your company assess customer reliability, monitor commercial risk and improve collections management.
We use cookies
We use essential cookies to make our site work and optional cookies to improve your experience. By clicking "Accept all", you agree to the use of all cookies. Cookie Policy