Custom cash flow and liquidity software
Appfront builds custom software that lets your liquidity look ahead. Bank transactions, outstanding receivables and payables, recurring costs and known commitments come together in a single forecast, with scenarios for what happens if a large customer pays late. Get in touch to go through your situation.
What is cash flow and liquidity software?
Liquidity software answers one question: how much money will I have available over the coming period? That sounds simple, but the answer comes from multiple sources: the balance on your bank accounts, the invoices still to be paid to you, the invoices you have to pay yourself, recurring costs such as salaries and rent, and commitments that have not yet been invoiced.
Your accounting looks back and shows what has happened. A liquidity forecast looks ahead and works with expectations: when is this customer likely to pay, based on how they always do it? That is exactly why it is usually done in a spreadsheet, and why that spreadsheet is never up to date.
Appfront builds this as custom software with integrations to your bank and your accounting, for example via an Exact Online integration, so that the forecast updates itself.
All sources in one view
Bank balances, receivables, payables, recurring costs and known commitments together, instead of four tabs that someone maintains by hand.
Payment behaviour instead of due date
The forecast uses when a customer actually pays, not the date on the invoice, which makes the difference between fiction and something you can use.
Running scenarios
What happens if your biggest customer pays late, an investment goes ahead or revenue drops? You get the answer in minutes instead of an afternoon of calculations.
Forecast or bookkeeping? Where the line sits
This software does not replace your accounting package and is no competitor to it; it lives off it.
Looking ahead
A forecast of your cash position for the coming weeks and months, based on payment behaviour and known commitments, with scenarios and an alert when a lower limit comes into view.
Recording what has happened
Invoices, journal entries, VAT and annual accounts belong in your accounting package. We integrate with it. If you are mainly looking for better invoicing, see the best invoicing software or build an integration with your accounting.
Our development process for your liquidity system
A forecast is only worth something if it turns out to be right in hindsight. That is why we test the model against your own history before anyone starts steering by it.
We map out which bank accounts and entities you have, which accounting package you use, which costs recur and which commitments are not yet in your books. We also check whether there is enough history to determine payment behaviour per customer.
We design the forecasting model, the scenario logic, the alert thresholds and the reports for management, controller and accountant, each of whom works with a different horizon.
We build in short iterations with automated tests, structured logging and monitoring. You see working versions along the way and steer based on what your team actually needs in practice, rather than on a specification written months ago.
A controlled go-live with validation and a safety net, followed by ongoing maintenance, monitoring and further development as your financial structure or entity landscape changes.
What custom liquidity software delivers in practice
What you need differs per organisation. These are the components that come up most often.
Bank and accounting integration
Daily transactions and balances from your bank accounts and outstanding items from your accounting, so the forecast updates itself without manual work.
Forecast based on payment behaviour
Expected income based on how customers actually pay, per customer or customer group, rather than on the theoretical due date.
Recurring costs and commitments
Salaries, rent, subscriptions, loan repayments and taxes as fixed items in the forecast, plus commitments that are known but not yet invoiced.
Scenarios
Modelling optimistic and pessimistic variants and specific events, with the option to save a scenario and later compare it with what actually happened.
Multiple entities and accounts
Consolidation across companies, branches and currencies, with the ability to zoom in per entity, which is usually the point where a spreadsheet gives up for good.
Alerts
An alert when the forecast falls below a lower limit you have set, or when reality structurally deviates from what was predicted.
Typical use cases in practice
Liquidity management becomes urgent as soon as timing matters and not just profitability.
Growing SMEs
Businesses where growth eats working capital and the question is not whether there is a profit, but whether there will be enough in the account next month.
Project-driven companies
Construction, installation and engineering, where large expenses come before milestone invoices and the timing of payments is decisive.
Holding structures
Organisations with multiple companies and accounts, where the overall picture is missing while money can be moved between entities.
Seasonal businesses
Companies with sharp peaks and troughs, which need to bridge the winter with what was earned during the season.
Test your idea first: a working prototype in 1 day
With OneDayBuild, we make your idea tangible in a single day for €1,150, so you know whether further development is worth the investment. Decide to go ahead with the full build? Then we deduct the cost in full.
View OneDayBuild →Technology we use
Bank integrations run through regulated providers; we build the layer on top. The exact choice depends on your processes, the systems to be integrated and your hosting preferences. We deliberately choose a stack that your own team can manage and develop further, with no dependence on per-user licences.
Why Appfront for your liquidity system?
Appfront builds custom software for a wide range of organisations in the Netherlands. With liquidity, we first test the model against your own history. A forecast that looks good but has been consistently too optimistic over recent quarters is more dangerous than no forecast at all.
That is why we show by default how forecast and reality compared. It makes visible what the model is worth and where it needs adjusting, rather than leaving a number on a screen that nobody can weigh.
On every project we write clear documentation and make sure your own team, or a future supplier, can understand and manage the system. No black box, but transparent code and clear agreements on monitoring, alerting and maintenance. You own the solution and pay no per-user licence.
Also take a look at our broader services around custom software, accounting integrations and investment project software. Unsure about the approach? Get in touch.
Security for your liquidity system
This system holds the financial heart of your organisation: balances, customer payment behaviour, margins and forecasts. Appfront builds according to the OWASP ASVS, with role-based access following least privilege and separation per entity, so that not everyone sees the full picture.
Bank integrations run through regulated providers; we do not store your bank login credentials and access is limited to reading account information. We deliberately do not initiate payments: that belongs with your bank and significantly reduces the risk of this system.
More about our approach to security: information security policy and CVD policy.
- Encryption in transit (TLS 1.2+) and at rest
- Role-based access following least privilege
- Audit trail of views and changes
- Secrets in a secure vault, not in code
- Documented data flows for your processing register
- Read-only access to bank accounts, no payment initiation
Frequently asked questions about cash flow and liquidity software
Answers to the questions we get asked most often.
It forecasts your cash position for the coming weeks and months by bringing together bank balances, outstanding receivables and payables, recurring costs and known commitments. Unlike your accounting, it looks ahead and works with expectations, including your customers' actual payment behaviour.
Accounting records what has happened and works with invoice data. Liquidity is about when money actually comes in and goes out, including items that have not been invoiced yet. Most accounting packages do have a simple forecast, but without payment behaviour, scenarios and consolidation across entities.
That depends on your data, and we make no promises about it. What we do is test the model against your own history: how well would the forecast have predicted recent periods? We run that test before go-live, and the system continues to show how forecast and reality compared afterwards, so you know what it is worth.
Yes, through regulated bank integration providers that supply access to account information. Which banks and account types are supported differs per provider; we check this up front. It can also work with periodic imports instead of a bank integration, but then the forecast is less up to date.
Yes, and that is often what prompts the need. Consolidation across entities, accounts and, where relevant, currencies, with the ability to drill down per entity. That gives you both the overall picture and the answer to which entity is running tight while there is headroom elsewhere.
Yes. A scenario can be saved and later set against actual results. That makes decisions traceable: you can look back at which assumption an investment decision was based on and whether that assumption held.
Usually the controller or finance manager daily, management weekly or monthly, and sometimes the accountant or lender. Each needs a different horizon and level of detail, so we design separate views rather than a single dashboard in which everyone is looking for something different.
There are good liquidity packages, and for a single company with a standard accounting package they are usually faster and cheaper. Custom software pays off with multiple entities and intercompany flows, with an industry-specific pattern such as stage billing in construction, or when you want to integrate with systems that such a package does not support.
Ready to build your liquidity software?
Tell us how many entities and accounts you work with, which accounting package you use and which question you currently cannot answer quickly enough. We are happy to advise on scope, integrations and the first version. A no-obligation first conversation will give you a clear picture of the options and whether custom software is worthwhile in your situation.