Financial Health Score
A score out of 100 made up of liquidity, profitability, cash flow, leverage, collection quality and financial compliance, assessed by sector.
AI CFO
Upload your documents and let AI CFO build your company's financial picture.
A finance manager assistant for SMEs that brings trial balances, e-invoices, bank statements and tax documents together, and calculates the financial health score, cash position and risks from verified data.
What is AI CFO?
In most SMEs, the financial picture is a trial balance that arrives from the accountant at month-end; cash, receivables, taxes and risks stay scattered across documents. AI CFO brings these documents together in one place. When trial balances, e-invoices, bank statements, VAT and social security accruals are uploaded, the system recognises each document, assigns it to the right period, filters out duplicates and matches bank transactions with invoices.
Once the data is complete, managers get a financial health score out of 100, cash and profitability indicators, a 90-day cash view and alerts for unexplained transactions. All figures are calculated by rules from the uploaded documents; AI is used only to explain these verified figures and answer questions.
Problems it solves
- Scattered dataThe trial balance is with the accountant, invoices on the e-invoice portal, statements at the bank, accruals in e-mail. Everything comes together on one screen.
- Hidden risksBank outflows without a matching record, unpaid taxes and overdue receivables are flagged automatically.
- Documents in the wrong periodEach document is assigned to the right month by its own date. If the same invoice is uploaded twice, it is not counted twice.
- Figures that are hard to readThe trial balance and balance sheet become summaries, scores and charts a manager can understand.
- Back-and-forth with the accountantA question about a transaction is sent to the accountant with the related record in one click.
From document to decision in four steps
- 1 · UploadDrag and drop trial balances, e-invoices and e-archive invoices, bank statements, VAT and social security accruals, tax payment receipts and payrolls.
- 2 · Let AI CFO organiseEach document is recognised by type and assigned to the right period; duplicates and out-of-period documents are filtered out. Bank transactions are matched automatically with invoices and tax payments.
- 3 · Check data readinessBefore a score is produced, the system checks whether the period's required documents are complete and lists anything missing. No estimates are made with incomplete data.
- 4 · DecideThe financial health score, indicator cards, cash view, risk records and one-click PDF/Excel reports are ready. You can ask your questions to the AI CFO assistant.
Key features
Document Center
Drag and drop documents; type, period and amount are read automatically, and duplicates and out-of-period documents are set aside without being deleted.
A score is produced only when the period's required documents are complete; anything missing is shown by document name.
Bank Reconciliation
Bank transactions are matched with invoices, tax and social security payments; a transaction without a match is raised as an alert.
Financial Analysis
Income statement waterfall, balance sheet and working capital, current ratio, receivables ageing and collection period on one page.
Owner summary, detailed CFO, cash flow, tax and social security, profitability and incentive reports; monthly, 3, 6, 12-month or annual; PDF and a 16-sheet Excel file.
Risks and Records
Each risk is opened as a record; its status is tracked, notes are added, it can be sent to the accountant in one click and every step is logged.
AI CFO Assistant
Answers questions such as “Why did cash fall this month?” with the company's verified figures; it does not make up numbers and says “no data” when data is missing.
Who it is for
SME owners and general managers
Those who want to see the company's cash, profitability and risk position on one screen without building a finance team.
Finance and accounting staff
Those who want to speed up month-end checks, bank reconciliation and management reports.
Groups with several companies
Those who want to monitor group companies from one account with company-level permissions.
Financial advisors
Those who want to receive and answer their clients' questions together with the related record.
Documents, not AI, determine the figures.
Rule-based calculation
All amounts and scores are calculated from the uploaded documents with repeatable rules. AI only explains these figures.
No score from incomplete data
If data is missing, the screen shows “awaiting data”; no estimates are made.
Every step is logged
Document uploads, approvals, exclusions and report downloads are written to an audit log. Excluded documents are never deleted.
Encrypted storage
Uploaded files are stored encrypted; file type is verified from content.
AI is optional
The assistant and document reading (OCR) are enabled with user consent; a company administrator can turn them off company-wide.
Data protection rights in the app
Privacy notice, consent history, personal data export and deletion request screens are available in the application.
Frequently asked questions
Does AI CFO replace the accountant?
No. Accounting records and tax returns are the financial advisor's job. AI CFO makes these records understandable for managers, shows risks early and makes communication with the accountant easier.
Does AI calculate the figures?
No. All amounts are calculated by rules from the uploaded documents. AI only explains the finished figures and answers questions.
Which documents can I upload?
Trial balances (Excel/PDF), e-invoices and e-archive invoices (XML/PDF), bank statements (Excel/CSV), VAT and social security accruals, tax payment receipts and payroll. Receipt photos are read with the optional OCR feature.
Does it connect to my bank or e-invoice system?
No. Documents are uploaded as files; there is no direct bank or tax authority connection.
Does my data leave the country?
Documents and financial data are stored encrypted on the AI CFO server. Only if you turn on the AI assistant or OCR is the related question or image sent to the AI provider. Both features are off by default.
Can I manage more than one company?
Yes. Several companies can be set up under one group, and users can be given company-level permissions.
Let's evaluate AI CFO together.
We listen to your financial processes and plan the right setup for you.