The roll-up that always arrives late
When an organization runs several companies, each with its own banks and currency, the roll-up gets built by collecting files from each treasury, converting them and adding them up in a spreadsheet. By the time the number is ready it's already yesterday's, and it doesn't say which company reported and which didn't, or what rate each balance was converted at.
FLIQO consolidates cash for every company in a single view, while each company keeps operating on its own data.
Each company runs on its own, the view brings them together
Each company has its accounts, its transactions, its forecast and its team. Whoever runs a company sees only that company. Whoever oversees all of them switches to the consolidated view and sees the total, with each company's detail one click away.
The structure supports several levels. For example, the companies in each country can roll up into their own level, and those levels into an overall one. Each level sees what sits beneath it, and nothing from another branch.
One currency, no hidden zeros
Each company keeps its own currency, and the consolidated view converts everything into a single currency using exchange rates shared by all the companies. If a currency's rate is missing, that company is shown in its own currency but left out of the total, and the screen says how much was left out. The total is never filled in with a made-up conversion.
Today's position and the cash ahead
The consolidated view answers several questions, each in its own tab:
- Position: total resources, split into available, invested and restricted, with the detail for each company.
- Reported balance: the sum of the latest balance the bank reported for each company, with the date it refers to. A company that didn't report isn't filled in with an old balance: it's counted separately.
- Forecast: the same balances plus the estimated flows, over a horizon you choose from one week to one year.
- Monthly trend: how cash moves month by month across all the companies.
- Portfolios and classification: investments and debt by class, added up across companies.
Which company has a surplus and which needs funding
The view ranks companies by their 30-day projected cash, with their days of liquidity and their status against each one's liquidity band. Within the same currency, it pairs companies with a surplus with those that are going to fall short and suggests how much one could lend the other. Whatever can't be covered within the same currency is shown separately.
The suggestions guide, they don't execute: a loan between companies depends on exchange regulations, contracts and taxes, and treasury makes the call.
How much funding is missing, company by company
The funding tab shows, by company and by quarter, the credit already contracted and the additional amount still needed to stay above the minimum available reserve. The total adds up each company's needs and doesn't offset them with other companies' surpluses: they are separate legal entities, and moving that money is a separate decision.
When a company is missing a piece of data needed to measure it, such as its liquidity band or its budget, the row says so. That way a company that hasn't been set up doesn't look healthy.
The trend and the alerts
Every day a snapshot of the consolidated view and of each company is saved. Those snapshots build the curve of how cash evolved across all the companies together. The series starts the day the structure is set up and grows forward: the past isn't reconstructed.
When a company stays outside its liquidity band for several days in a row, the alert reaches its treasurer and goes up to whoever oversees the levels above, without repeating for someone who sits on several of them.
What's defined once for everyone
Some data belongs to all the companies and is declared only once: the counterparty master, exchange rates and the definition of investment portfolios. A bank has a single code even if it works with five of your companies, and a counterparty doesn't show up under two names. Positions, transactions and balances still belong to each company.
Who sees the consolidated view
Seeing the consolidated view is a permission of its own, separate from operating a company. You can give a management profile the consolidated treasury view without opening anything else, or keep an analyst running their company without access to the others' figures.
Asking Aria
You can ask Aria how much cash all the companies have today, which has the largest surplus, which will need funding next month, or ask for a short summary of where all of them stand. Aria answers with the same data as the screen and within the permissions of whoever is asking.
Frequently asked questions
Can the companies be in different countries and currencies?
Yes. Each company operates in its own currency and the consolidated view converts everything into one, using the shared exchange rates.
Do we need to pool cash into a single account?
No. The view consolidates information, not money. Each company keeps its own accounts.
Does the parent company also operate?
It can. If the main company has its own accounts and operations, it's registered as one more company and the consolidated view is set up separately. That way its operations don't mix with the total for all of them.
Does FLIQO move money between companies?
No. It shows where there's a surplus and where there's a shortfall, and suggests pairings in the same currency. Each loan or transfer between companies is decided and recorded by treasury.
Can I take the consolidated view to a committee?
Yes. The executive slide can be copied as an image or downloaded as a PDF, and the funding table can be copied as an image with your company's branding, ready for a presentation.