1.
Connects
Connects to your bank accounts (Enable Banking / PSD2) and your invoices, and knows at any moment what comes in and what goes out.
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Product — available
Cashflow OS sees your cash before it happens.
The cash-flow platform for Greek SMEs. It connects to your bank accounts, reads invoices, payments and your tax obligations (VAT, social security), and forecasts your liquidity 13 weeks ahead — with alerts before you run short.
37.9838° N · 23.7275° E — AthensMost SMEs run their cash in spreadsheets that go stale within hours. Cashflow OS shows your liquidity live and warns you weeks before you run short.
Ideal for
- SMEs under cash-flow pressure
- Trading businesses
- Services & consulting
- Seasonal businesses
- Accounting offices
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How it works
From the account to the forecast.
2.
Projects
Projects your cash position 13 weeks ahead, with three scenarios and the date of the lowest point.
3.
Alerts
Raises the alarm 2–4 weeks before any liquidity risk — including upcoming VAT, social-security and tax instalments.
4.
Suggests
Suggests concrete moves — which invoice to chase, which payment to push back — before you need an overdraft.
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Capabilities
What Cashflow OS does.
01BANK
Live bank connection
Connects to multiple accounts via Enable Banking (PSD2), read-only, with daily balance updates.
↗02FORECAST
13-week forecast
Three scenarios (base, best, worst), runway, and the date of the lowest point — not just today's balance.
↗03TAX
Tax calendar
Quarterly VAT, EFKA social-security contributions and income-tax instalments drop into the forecast automatically — no surprise at the deadline.
↗04RECEIVABLES
Aging & DSO
Tracks open invoices by age and your DSO, so you know who to chase first to improve liquidity.
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Compare
From Excel to a live forecast.
| With spreadsheets | With Cashflow OS |
|---|---|
| Data goes stale within hours; your cash surprises you | Live bank data with alerts 2–4 weeks earlier |
| VAT and social security hit you suddenly each quarter | Tax obligations scheduled and visible in the forecast |
| No visibility beyond today | 13-week forecast with three scenarios and a lowest-point date |
| Chasing invoices by guesswork | Aging and DSO show who to chase first |
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illustrative
Outcome
Fewer surprises in the bank.
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?
It connects through Enable Banking (secure PSD2 open-banking access, read-only). We don't store your credentials, and account balances refresh daily.
Does it account for Greek taxes (VAT, EFKA)?
Yes. Quarterly VAT, EFKA social-security contributions and income-tax instalments drop into the forecast automatically, so obligations show weeks before the deadline instead of arriving as a surprise.
How far ahead does it forecast liquidity?
It projects your cash position and runway 13 weeks ahead, with three scenarios (base, best, worst) and the date of the lowest point, so you can act before you run short.
Is my company's financial data safe?
Your data stays yours: isolated per organization, encrypted, with read-only bank access. We design GDPR-first and host within the EU.
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Get started
See your cash 13 weeks ahead.
Connect your accounts and see — plainly — where your liquidity is heading over the next 13 weeks, and what you can do now.
Set up around your own data, in days. The first connection and overview are free.