See the low point
before it arrives.
Every bank, entity and currency in one cash position, forecast thirteen weeks out with an honest range. When the floor gets close, Headroom tells you what to move.
13 weeks
Forecast horizon, with its range
2.9 %
Median error at 13 weeks
06:00 CET
Every bank, every entity, refreshed daily
Orvane Group · consolidated · EUR
As of 17 Oct · 09:41 CET
(01) Forecast
A forecast that shows its range, not just its guess.
Headroom learns from two years of your actuals, then draws the next thirteen weeks as a range. Narrow where it’s sure, wide where it isn’t, on the same scale every morning.
01 · History
Thirteen weeks of what actually happened.
Every statement line from every bank, matched to the ledger and sorted into receipts, payroll, suppliers, tax and debt. No upload, no spreadsheet.
02 · Forecast
Then the next thirteen, as a range.
The line is the median. The band is where eight outcomes in ten land, from P10 to P90. It widens with time, because the future does.
03 · Scenarios
Base, Upside, Stress. One click.
Stress assumes your five largest customers pay 21 days late and EUR/USD moves 6 %. The cone redraws in under a second, and so does the low point.
04 · Drivers
And it tells you why.
Payroll on the 28th. VAT on 5 Dec. The RCF repayment on 8 Dec. Each driver sits on the curve with its amount, so every dip has a name.
(02) Every account
Fourteen accounts, six currencies, one number by 9 a.m.
Headroom reads every balance at 06:00 CET, converts at the ECB fixing and rolls it into one group position. Move money between accounts and the total doesn’t flinch. It shouldn’t.
Orvane Group · 9 entities · 14 accounts
€18,402,566
Consolidated · EUR
As of 17 Oct · 09:41 CET
Bank
EUR
USD
GBP
CHF
PLN
SEK
In EUR
Commerzbank
2 accounts
€6,214,380
$1,082,400
—
—
—
—
€7,210,698
HSBC
3 accounts
€1,408,212
$2,310,775
£612,040
—
—
—
€4,241,305
Barclays
1 account
—
—
£384,910
—
—
—
€444,059
Chase
1 account
—
$820,330
—
—
—
—
€755,090
Deutsche Bank
2 accounts
€2,967,105
—
—
CHF 742,600
—
—
€3,759,550
Wise Business
3 accounts
€261,032
—
—
—
PLN 3,215,480
SEK 4,102,300
€1,367,879
Revolut Business
2 accounts
€512,870
—
£96,315
—
—
—
€623,985
Subtotal
€11,363,599
$4,213,505
£1,093,265
CHF 742,600
PLN 3,215,480
SEK 4,102,300
€18,402,566
FX · ECB 17 Oct · 1 EUR = 1.0864 USD · 0.8668 GBP · 0.9371 CHF · 4.2905 PLN · 11.478 SEK
(03) Cash bridge
Ask why the line dips. Get an answer with the numbers in it.
The bridge walks from today’s balance to any day on the forecast, one driver at a time. Ask in plain English. Headroom answers from your ledger and shows its sources.
Cash bridge · 17 Oct → 9 Dec · EUR
Floor €2.0M
€18.40M
17 Oct
+€21.36M
Receipts
−€9.84M
Payroll
−€14.02M
Suppliers
−€6.21M
VAT
−€4.12M
Debt
−€4.77M
Dividend
€0.80M
9 Dec
Why is 9 Dec so low?
↵
Headroom
Three outflows land within five days: Q4 VAT (€6.21M) on 5 Dec, the RCF repayment (€4.12M) on 8 Dec and the interim dividend (€4.77M) on 9 Dec. December receipts also run 4 days late on average. Moving the dividend to 19 Dec keeps you €3.6M above your floor.
Sources · NetSuite AP, 412 open bills · board minutes 12 Sep · 104 weeks of receipts
Why is 9 Dec so low?
→
What if Brightline pays 30 days late?
→
Can we still pay the dividend on 9 Dec?
→
(04) Alert rules
Alerts you set like a rule, not a notification you mute.
Write the rule once, in a sentence. Drag the threshold and see which weeks would have fired, before you switch it on.
When falls below within , tell on .
(05) Four eyes
Two signatures above €50k. Always.
Prepare a payment run, route it through the chain, release it at the bank. Every threshold is a rule, every signature is logged, and nobody approves their own batch.
View as
Viewer
Preparer
Approver
Admin
Signs up to €500k. Sees why each payment is here.
Payment run · 17 Oct · SEPA · 12 payments
€1,384,906.40
Kessler Stahl GmbH
DE
€512,880.00
Waiting · CFO
Rheinkai Logistik
DE
€96,240.50
2 signatures
Atelier Morvan
FR
€18,412.00
1 signature
Nordlys Packaging AS
NO
€61,905.30
2 signatures
Ferrovia Sud Srl
IT
€148,300.00
2 signatures
Halse & Grieve Ltd
UK
€37,618.20
1 signature
Coteaux Énergie
FR
€204,115.75
2 signatures
Brandt Industrietechnik
DE
€9,862.40
1 signature
Lusitânia Têxteis
PT
€52,770.00
2 signatures
Vireo Software BV
NL
€24,000.00
1 signature
Marmot Facilities
UK
€14,236.90
1 signature
Oskar Pålsson AB
SE
€204,565.35
2 signatures
11 released · 1 waiting · €872,026.40 sent
≤ €50k · 1 signature
> €50k · 2 signatures
> €500k · + CFO
LR
Lucía Romero
Preparer · AP lead
12 prepared
TB
Tom Becker
Approver · Financial controller
7 approved
SV
Sanna Virtanen
Treasurer · Group treasurer
11 released
Released to Commerzbank · 11 payments · Kessler Stahl waits for the CFO
(06) Bank feeds
Statements in from 1,280 banks, sorted before they reach your ERP.
Host-to-host, EBICS, SWIFT or open banking. Headroom pulls each feed, tags every line and posts it to NetSuite, SAP or Xero, matched to the invoice it settles.
1,280
Banks
31
ERPs & TMS
22
Integrations
−€4,210.00 · AWS EMEA · 16 Oct
Software
+$96,300.00 · Halvorsen AS · 15 Oct
Customer receipt
+€182,400.00 · Brightline Retail · 16 Oct
Customer receipt
−€18,940.00 · Kessler Stahl · 15 Oct
Supplier
−£38,112.60 · HMRC VAT · 16 Oct
Tax
−CHF 4,120.00 · Swisscom · 14 Oct
Telecom
−$12,880.00 · FedEx Freight · 15 Oct
Logistics
+£24,500.00 · Marlow Group · 14 Oct
Customer receipt
−€611,204.18 · Payroll Oct · 15 Oct
Payroll
−€2,600.00 · Notion Labs · 14 Oct
Software
Headroom
EBICS · SWIFT MT940 · camt.053 · Host-to-host · PSD2 open banking · SFTP
(07) Backtest
We publish the misses too. Here’s where the actuals landed.
Every customer can backtest their own forecast: what Headroom said thirteen weeks ago, next to what the bank said this morning.
“
I used to send the board a number on Monday and spend the week explaining it. Now I send the range, and nobody asks me to defend the middle of it.
Backtest · forecast vs actual · EUR
Brennick Components
Norrvik Marine
Casavera Foods
Alderbrook Hotels
412 groups · 6,140 accounts · forecasts refreshed daily at 06:00 CET
(08) Pricing
Priced by how far ahead you look. Not by the seat.
Every plan includes unlimited viewers, daily refresh and every bank feed. Pay for horizon, entities and accounts.
Monthly
Yearly · 2 months free
0
13 wks
52 wks
Team
One finance team, a handful of banks.
13 weeks
Up to 10 accounts · 3 entities · 5 editors · Alert rules · Base forecast
€890
per month
Growth
Most groups
Several entities, real currency exposure.
26 weeks
Up to 40 accounts · 12 entities · Scenarios · Approval chain · Cash bridge AI
€1,940
per month
Group
A treasury function with a policy to enforce.
52 weeks
Unlimited accounts & entities · SSO & SCIM · Custom roles · EU or UK hosting · Named treasury engineer
Custom
from €4,800 / month
14-day trial on Team and Growth, on your real bank data. Prices exclude VAT.
(09) Assumptions
Questions treasurers ask before the demo.
A-01
Does Headroom move money?
+
No. Headroom prepares payment runs and routes the approvals. Funds move only when your bank releases the batch, after the last signature.
A-02
How accurate is the forecast?
+
It tells you. Every forecast carries its P10–P90 range, and the backtest compares it with what landed, week by week. At thirteen weeks the median error across customers is 2.9 %.
A-03
Which banks and ERPs connect?
+
1,280 banks through host-to-host, EBICS, SWIFT or open banking, and 31 ERPs and treasury systems including NetSuite, SAP, Xero and Sage. If yours is missing, we build the feed.
A-04
How long does setup take?
+
Most groups see their first consolidated position within three days. A forecast you can trust takes about three weeks, once Headroom has learned how you pay and get paid.
A-05
What does the AI see?
+
Your ledger, your statements and the notes you add. It answers from your data, cites its sources and never trains shared models on it.
A-06
Can we keep our spreadsheet?
+
Yes. Export any forecast to Excel with live formulas, or import your current model as the starting scenario.
A-07
Where is our data hosted?
+
Frankfurt by default, London on request. Bank access is read-only until you switch payments on. Certifications named on this site are demo content: replace them with your own.
Find your low point before it finds you.
Bring one bank export. In thirty minutes we’ll show you your group position, your next thirteen weeks and how much room you really have.