Features
From bank balance to single booking.
Every number takes you to its source with one click: the bank transaction or the booking in DATEV.
01 · Liquidity and cash flow
All bank accounts, one balance.
Balances and transactions from all major German banks in one place. Updated automatically, and any time with one click.
- Available and restricted accounts kept apart
- Available liquidity after payments due
- Cash flow: income, expenses and balance per month
Available liquidity
€241,564
AI categorisation
Every bank transaction gets a category.
Finqo suggests the category and learns from your corrections. So your cash flow is always neatly structured. The AI runs exclusively in EU data centres.
Management accounts
October 2026
02 · Management accounts
Management accounts (BWA) as soon as it's booked.
Your management accounts by month and year, compared with last year and as plan vs. actual. Always in line with your DATEV bookings, without waiting for them to be sent.
- Full transparency: drill down from every line to single bookings
- Build your management accounts your way: create your own categories and map accounts freely
- Year-end forecast: where will you land if things carry on like this?
Cost centres
Oct 202603 · Cost centres
See where you make money.
Results per project, location or department, straight from the cost centres in your DATEV bookings.
- Analyse each project: revenue, costs and result per project
- Budget per cost centre: see at once how much is left
- Development per cost centre over the months
04 · Open items and payment runs
Who owes you what? What's due?
Receivables and payables with due dates. Bundle invoices due into a payment run and send it for approval. The transfer itself happens in your banking or in DATEV.
Payment run
7 invoicesBalance: plan and scenario
05 · Planning
Plan the way that suits you.
Plan results and liquidity in one go. For each line item, you choose how you want to plan.
AI forecast
based on your numbers so far
Prior year + growth
e.g. revenue +8% on last year
Seasonal split
annual value following your pattern
Fixed amounts
or monthly growth
Import plan values
e.g. from DATEV
Per cost centre
budgets for projects and departments
Scenarios: best, base and worst case, with events like a new hire, losing a customer, a price increase, an investment or a loan. Finqo derives the liquidity plan from the profit plan automatically, including payment terms and VAT.
06 · Also included
Tax reserve
Your taxes for the year, minus prepayments. So you see early whether you'll pay more or get money back.
Deadlines
Upcoming dates for VAT returns and social security.
Groups
Several companies with a group view.
Team
Invite more users with their own permissions.