Trusted by finance teams
Planning & cashflow: where things go wrong
The budget round takes 3 months and the result is an Excel nobody dares to modify
Adjusting a forecast means manually updating 4 tabs
The board asks 'what if we make that investment?' and you have no answer
You have a P&L budget but no idea what it means for your cash
One system for the entire planning chain
Plan at any level
From ledger account to driver-based model, you choose the level of detail per business area.
Plan the full financial reality
P&L, balance sheet, loans, investments, all connected in one fully calculated model.
Long-term and operational
From annual budget to week-to-week cash, strategic planning and weekly cashflow in one system.
Budgets, forecasts & scenarios
Build annual budgets and forecasts at the level that fits the branch, ledger account or subtotal, hard input or formula-based. Maintain base case, optimistic, and pessimistic scenarios side-by-side and compare them directly against actuals in the same report.
- Input at ledger account or subtotal level, configurable per branch
- Hard input or formula-based, your choice per line
- Multiple scenarios side-by-side: base, optimistic, pessimistic
- Compare directly against actuals in the same report, no exports
Business modules (driver-based planning)
Build driver-based planning models per business area. Plan revenue as quantity × price per product group. Plan personnel costs with FTE, gross salary, social charges, and pension per team. Results roll automatically into the P&L, change a driver, watch the budget update.
- Revenue planning: quantity × price per product group or segment
- Personnel planning: FTE, gross salary, social charges, and pension per team
- Custom modules for other cost drivers (locations, contracts, marketing)
- Results flow automatically into the P&L, no manual consolidation
Balance sheet planning, loans & investments
Plan balance sheet items based on metrics (DSO, DPO, inventory days) and direct dependencies with P&L lines. Enter existing loans with their repayment and interest schedules, and add new financing. Plan investments and divestments with their depreciation. Everything writes back to the P&L and balance sheet, and an indirect cashflow forecast generates automatically from the whole picture.
- Balance sheet planning driven by DSO, DPO, and inventory days
- Existing and new loans with repayment and interest schedules
- Investments and divestments including depreciation
- Indirect cashflow forecast generates automatically from P&L + balance sheet
13-week cashflow & aging analysis
For week-to-week cash management, run a direct 13-week forecast built from your actual outstanding receivables and payables. Drill into the consolidated aging analysis to see debtor and creditor exposure at group level. Adjust expected payment dates, add recurring payments, pull in loans and investments, and see liquidity move in real time.
- Direct 13-week forecast from actual receivables and payables
- Consolidated aging analysis at group level
- Adjust expected payment dates and add recurring payments
- Loans and investments automatically included in the cash position
"Building a budget in Excel isn't planning, it's a snapshot that's outdated the moment you save it. Controllers deserve a system where budget, balance sheet, and cashflow are connected, and where scenarios actually recalculate."
Connect your systems in minutes
Smartbooks plugs seamlessly into your existing accounting, ERP and BI stack. No IT project, no migration, just plug-and-play with the tools you already use.
Missing an integration? Almost any connection is possible, and for N8N we provide ready-to-use nodes.
For BI tools and automation platforms we use open APIs and ready-made N8N nodes.
More on planning & cashflow
Frequently asked about planning & cashflow
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