1.
Connects
Securely integrates with your bank accounts (via Enable Banking / PSD2) and your invoices, knowing at all times every inflow and outflow.
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Available product
Cashflow OS gives you full control over your future cash flow.
An AI platform, designed specifically for the needs of Greek small and medium-sized businesses. It automatically connects to your bank accounts, reads invoices, payments, and your tax obligations (VAT, EFKA). It forecasts next quarter's liquidity and warns you early, before you hit a shortfall.
37.9838° N · 23.7275° E — AthensReliance on traditional spreadsheets (Excel) deprives the business of live visibility, since the figures require frequent updating and can leave you outside your budget.
Cashflow OS pulls data on a daily basis and warns you early, before a shortfall appears.
Ideal for
- SMEs under cash-flow pressure
- Trading businesses
- Services & consulting
- Seasonal businesses
- Accounting offices
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How it works
How we turn banking data into a live forecast.
2.
Forecasts
Predicts your cash position over a quarterly horizon, presenting three alternative scenarios and identifying the date of the lowest point.
3.
Warns
Activates safety triggers 2–4 weeks before any liquidity risk, automatically factoring in VAT, EFKA, and upcoming tax installments.
4.
Suggests
Provides targeted recommendations for specific actions, such as sending an immediate reminder for a particular invoice or delaying a payment, shielding your cash flow from the risk and cost of an overdraft.
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Capabilities
What does Cashflow OS do?
01BANK
Live bank connection
Connects to multiple accounts via Enable Banking (PSD2), ensuring accurate, daily reading of balances, with protection of privacy.
↗02FORECAST
Quarterly forecast
Replaces assumptions with data. The system identifies in advance the most critical time milestone for your cash, presenting three development scenarios instead of a static snapshot of today's balances.
↗03TAX
Automated tax calendar
Current tax and social security obligations (VAT, EFKA, income tax) are automatically fed into the system's forecasts, so you're never caught by surprise when they come due.
↗04RECEIVABLES
Collections review and prioritization
Automatically ranks open invoices by age and collection-speed indicator. This shows you which debts take priority, immediately improving your liquidity.
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Compare
Replace Excel with live forecasts.
| With spreadsheets (Excel) | With Cashflow OS |
|---|---|
| Data needs constant updating; sudden, unpredictable expenses | Updated banking data with warnings 2–4 weeks in advance |
| VAT and EFKA arrive unexpectedly every quarter | Tax schedule fully built into the liquidity mapping |
| No forecast for cash liquidity | A 3-month plan with three different scenarios, pinpointing the day with the least cash |
| Chasing overdue debts with no clear plan | You immediately see which invoices are most overdue and affecting your cash flow |
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illustrative
Outcome
Put an end to unexpected cash gaps.
A business with seasonal liquidity · tracking cash in spreadsheets
↓ with Cashflow OS
The lowest-point date shows weeks ahead, with suggested moves
Illustrative scenario, not a measured client. The real outcome depends on your business's data and flow.
- Live data from your bank accounts.
- VAT and social security visible inside the forecast.
- Three scenarios with a lowest-point date.
- DSO and aging of invoices for faster collection.
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FAQ
Before you ask.
How does Cashflow OS connect to my bank?
The connection is made through the Enable Banking platform, using secure open banking (PSD2) access, strictly for reading. The system never stores your credentials, and balance updates run automatically on a daily basis.
Does it take Greek tax obligations (VAT, EFKA) into account?
Absolutely. Quarterly VAT, EFKA contributions, and income tax installments are automatically fed into the system's forecasts. This way, every obligation becomes visible weeks before its official deadline.
How far ahead does it forecast liquidity?
The system forecasts your cash position and liquidity over a quarterly horizon. At the same time, it works through three different versions (baseline, optimistic, and pessimistic scenarios) and identifies the most critical time milestone for your liquidity, in order to help you avoid a shortfall.
Is my business's financial data safe?
Data ownership remains exclusively yours. Every system is designed strictly according to GDPR standards, with data isolated per organization, fully encrypted, and hosted within the European Union.
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Get started
See your cash a quarter ahead.
See your cash flow trajectory clearly for the next 3 months and take full control of your money. Cashflow OS fully adapts to your own real data and is ready to operate within just a few days.
The initial connection and first snapshot of your financial picture are provided free of charge, as part of the initial study and assessment, before we move ahead with any implementation.