Cash-flow forecasts, liquidity budgets and annual budgets that give you full control over cash flow and financial planning — delivered at a fixed price.
According to Creditreform, 6 out of 10 bankruptcies in Norway are due to liquidity problems — not lack of profitability. You can have full order books and a positive result but still run out of money because you pay suppliers faster than customers pay you. Smart Okonomi helps you build systems that give full control over cash flow.
A liquidity budget is different from a result budget. The result budget shows planned income and cost. The liquidity budget shows when money actually comes in and goes out — and this is where many businesses get into trouble. We set up rolling 13-week liquidity forecasts that are updated weekly and give you precise estimates of account balance ahead.
We prepare the annual budget together with you in October–November, ready for the new year. The budget is broken down per month and includes revenue per segment/product, purchase of goods and direct costs, fixed costs (rent, salary, insurance, IT), tax and fees (VAT periods, advance tax, employer's contributions), and investments and financing. Throughout the year we follow up budget against accounts with monthly variance reporting.
Scenario analysis gives you answers to important questions: What happens to liquidity if revenue falls 20%? What if the largest customer delays payment by 60 days? What does it cost to hire a new person? We build models that let you simulate different scenarios and see the consequences for cash flow — so you can make informed decisions instead of guessing.
Liquidity improvement often requires concrete measures: shortening payment terms from 30 to 14 days (effect: up to 50% faster payment), sending invoices the same day as delivery (every day of delay costs money), negotiating longer payment terms with suppliers, setting up instalment or advance invoicing for large assignments, and establishing overdraft facilities as a safety net (typically 5–10% of revenue).
Smart Okonomi offers cash management and budgeting as part of the fixed-price agreement. More than 15,000 clients trust us. Call 48 07 99 18.
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