Product sheet · version 1.0

Scriba

Knowing your bank balance is not governing cash. Governing it means seeing the coming weeks and months — with time left to decide.

01 · Two sections, one engine

Treasury calculates. The Virtual CFO interprets.

The number is the same: neither side recalculates the other's figure.

7 views

Treasury

How much cash comes in and goes out over the coming weeks, and how the year closes.

Overview and ten-day cash flow
Open items, customers and suppliers
Open orders, advances, bills
Bank balances and credit lines
Manual entries and cash budget

7 screens

Virtual CFO

The same figures read the way a CFO would read them.

Dashboard: the five numbers of the month
Liquidity: 3 to 12-month trajectory
Revenue and forecast
Receivables and collections: recovery priority
Budget, simulator, configuration

02 · How much cash, and when

Ten days at a time

One single matrix: line items in rows, ten-day periods in columns. Opening balance, inflows, outflows, period flow and closing balance. Ten days is the step at which a payment is decided — a whole month is too coarse to tell whether cash holds.

Every cell opens up: underneath are the items that make it, with company name, due date, bank and amount. Filters by bank and accounting due-date ledger, and Excel export of whatever is on screen.

The month in five numbers · illustrative example

1,6: months of cover from the order book
136: average days to collect on 12-month revenue

Illustrative values. The twelve-month cash trajectory comes from the same ten-day treasury periods, aggregated by month, with the low point marked.

03 · What changes in the business

Whoever runs the cash stops building numbers and starts deciding with them

Today, without Scriba

The cash plan is a sheet only one person knows how to update.
Overdue debt surfaces when the customer fails to pay a second time.
How much credit line is left has to be asked of the bank.
The budget lives in a different file from treasury, and the two drift apart.
"What happens if revenue drops 5%?" gets answered on instinct.

With Scriba

The cash plan is a screen: open it, filter it, export it.
Overdue debt is at the top of the list, ranked by how much it weighs and for how long.
Granted, used and remaining credit per bank sit on the same row.
The budget is treasury's own: one budget, for everyone.
The question is answered by moving one lever and reading the EBITDA.

04 · Forecasting

A forecast that declares its own error

Actuals, previous year and a 3, 6 or 12-month forecast with a confidence interval. Alongside sits the accuracy measured by re-running the model on months already known — and the current, incomplete month stays out of the comparisons.

05 · Receivables

Who to call first

Ageing splits receivables into bands, from not-yet-due to over 90 days, and does the same for supplier payables. Recovery priority ranks customers by overdue amount weighted on days late: the Monday morning phone call is the first row.

06 · Simulator

Levers, not assumptions

The levers are the real ledgers of the company's chart of accounts. Move a revenue line and the costs tied to it move with it: the effect on EBITDA, EBIT and the bottom line appears as you drag, separating what is decided from what is induced.

07 · The screens

Treasury and the Virtual CFO, as they look

Treasury overview: opening balance, inflows, outflows and cash flow by ten-day period — Treasury · Cash flow by ten-day period, from opening to closing balance.

Virtual CFO: twelve-month revenue and forecast with confidence interval and measured accuracy — Virtual CFO · 12-month revenue and forecast, with its accuracy declared.

Half an hour of demo, on your own cash.

Bring an extract of open items and bank balances: we will show you your own treasury, not a catalogue of examples.

Request a demo