Operational Liquidity Intelligence
Anticipate future liquidity.Decide in time.
Bring together the information that moves your cash, project how your liquidity will evolve and evaluate scenarios before their effects materialize.
Today
Current position
Expected trajectory
Within the bandsLate collection
Near the minimum available reserveStress scenario
Below the minimum available reserve
Illustrative diagram. It shows no real figures.
01The central question
When will cash run short or build up in excess, and what should be decided ahead of time?
- Planning horizon
- 30–1095
- days, configurable per company
- Granularity
- Daily
- each point of the projection opens its movements
- Uncertainty
- P5–P95
- bands computed by simulation
- Sources
- 6
- ERP, banks, files, markets, internal systems and APIs
Product capabilities, not customer results.
02The problem
Today's cash does not explain tomorrow's liquidity
- 01
The projection lives in spreadsheets that are always behind.
- 02
Each area knows its collections and payments; treasury chases every figure.
- 03
Month-end is a marathon of reconciliations and explanations.
- 04
Cash problems show up only after they happen.
03How FLIQO works
From scattered information to a forward view of liquidity
01
Data
Balances, collections, payments, debt, investments, rates and currencies, from your systems.
02
Obligations and expectations
What must be paid and is expected to come in, with a date, an owner and a degree of certainty.
03
Liquidity position
Available, restricted and invested cash at the cut-off date.
04
Projection
The liquidity trajectory, day by day, over the horizon you need.
05
Scenarios
What happens if assumptions and their timing change.
06
Alerts
Warnings when the trajectory crosses a band or drifts from what was expected.
07
Decisions
Funding, payments, investments and hedges, evaluated before they reach cash.
04Product
From today's balance to future liquidity
Each tile is one period. Liquidity is not a figure: it is a sequence of states that can be anticipated and corrected.
Fig. 02Expected liquidity, period by period
- Week 1: Above the liquidity threshold
- Week 2: Within the bands
- Week 3: Within the bands
- Week 4: Within the bands
- Week 5: Within the bands
- Week 6: Near the minimum available reserve
- Week 7: Below the minimum available reserve
- Week 8: Below the minimum available reserve
- Week 9: Near the minimum available reserve
- Week 10: Within the bands
- Week 11: Within the bands
- Week 12: Within the bands
- Week 13: Above the liquidity threshold
- Below the minimum available reserve
- Near the minimum available reserve
- Within the bands
- Above the liquidity threshold
Illustrative diagram. It shows no real figures.
05One logic
One logic. Several ways to reach it.
Operate
Treasury lives in FLIQO, on screens each role sees according to its permissions.
Ask
Aria answers on those same figures and takes you to the screen that already holds the answer.
Compose
Describe what you want to understand and FLIQO builds the dashboard with those same figures.
The same logic behind every screen, every answer from Aria, every dashboard and every alert.
06Scenarios
A projection is not a single future
Projecting does not mean asserting a single outcome. It means understanding the possible trajectories and what they imply.
RoadmapSensitivities on rates, currencies, debt and investments as scenario drivers.
- Expected
- Late collection
- Early payment
- Stress
- Uncertainty band
Illustrative diagram. It shows no real figures.
07From projection to decision
Anticipation is useful when it lets you act
Today
The observed position and the commitments already known.
Alert
Expected crossing of the minimum available reserve within the horizon.
Decision
Bring funding forward, draw an available line or mobilize an asset.
- Funding needs
- Available credit lines
- Mobilizable assets
Outcome
The maturity is covered and the trajectory stays above the band.
08Traceability and explainability
Every projection must be explainable
A projection must be reconstructable: where it comes from, who stands behind it, what changed afterwards and how far it drifted from what was observed.
- 1SourceSource system and upload file.
- 2OwnerWho estimated and who validated.
- 3AssumptionCertainty and validity of the estimate.
- 4VersionFrozen snapshot at the cut-off date.
- 5ChangesEvery later change, field by field.
- 6ObservedThe actual movement, reconciled.
- 7DeviationThe difference, with its cause noted.
09Works with your ecosystem
FLIQO is not meant to replace your ERP, banks or transactional systems
FLIQO uses those sources as inputs to a higher layer of intelligence about future liquidity.
Your sources
ERP
Today, by file
RoadmapNative ERP connectors
Banks
Today, by statement
RoadmapDirect bank connectivity
Files
Markets
Internal systems
APIs
Intelligence layer
Operational Liquidity Intelligence
- Liquidity position
- Projection and scenarios
- Alerts and gaps
- Treasury decisions
10Use cases
Three situations where anticipation changes the decision
01
Anticipate liquidity needs
A company can project sufficient revenue and still struggle to meet its obligations when payments fall due before collections arrive.
FLIQO projects daily availability and identifies when it could fall below the minimum levels the organization has defined.
The result: anticipate potential shortfalls and evaluate alternatives before they put operations at risk.
02
Understand cash deviations
Forecasts change, and actual results do not always match expectations. Understanding those differences can mean rebuilding information from multiple sources and versions.
FLIQO lets you compare what was forecast with what happened, identify deviations, and review the data, assumptions and changes behind every figure.
The result: less effort spent rebuilding information, and more time to understand deviations and make better decisions.
03
Evaluate financing alternatives
A forecast can reveal a future liquidity need, even when the company holds investments or credit lines.
FLIQO lets you identify when a potential shortfall appears, estimate its size, and analyze the resources that could help cover it, taking into account their availability and any recorded restrictions.
The result: early, explainable information to evaluate financing alternatives before the need becomes urgent.
11Manifesto
In a complex organization, liquidity is too important to depend on scattered files and versions that do not reconcile.
We do not replace existing systems, and we do not wait for the company to change how it works. We provide an intelligence and governance layer over your existing data, helping you anticipate liquidity trends with figures that can be explained and audited.
Our technology adapts to the business, not the business to it.
FLIQO — Operational Liquidity Intelligence.
12Request a demo
Know your liquidity before it arrives
FLIQO turns the operational and financial information that affects cash into a forward view of liquidity, so you can anticipate scenarios and decide in time.
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Prefer to write to us? fliqobyactives@outlook.com