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App AFianco · Modulo 01 di 04 · Cashflow Monitor

You always know
how you're doing.

Net margin, break-even, days of coverage, DSO/DPO, cash gap. All computed in real time with a Financial Health score 0 a 100 you see as soon as you open the dashboard.

Try it free →See the KPIs ↓
10+
real-time KPIs
5
dimensions in composite score
7
alert categories
Financial Health
Good
75
Net Margin
25/25
Revenue Dynamics
20/20
Structural Resilience
14/20
Cash Cycle
6/25
Operational Risk
10/10
Total Revenue
41.055 €
+170.5% vs prev. year
Net Result
16.690 €
>999% vs prev. year
KPIS IN REAL TIME

The numbers that tell you how you really are.

Don't wait for the accountant. Every KPI is recalculated on every transaction, with your real data.

01 · KPI
↗
Total Revenue
16.884€
↗ +1.7%vs prev. year
Total income for the period, before costs
02 · KPI
↗
Operating Expenses
6.050€
↗ +5.6%vs prev. year
Variable costs: marketing, materials, services
03 · KPI
↘
Supplier Purchases
10.612€
↘ −14.2%vs prev. year
Goods purchases for production
04 · KPI
→
Fixed Costs
1.057€
→ stablevs prev. year
Rent, leasing, accountant, subscriptions
05 · KPI
↗
Net Result
−835€
↗ +67.3%vs prev. year
Revenue minus all costs: real profit
06 · KPI
↘
Burn Rate
591€/g
↘ −12.4%vs prev. year
Average daily outflow to stay operational
07 · KPI
→
Break-Even
80.674€
→ targetvs prev. year
Minimum annual revenue to cover costs
08 · KPI
→
Operational Coverage
0gg
→ below thresholdvs prev. year
Days of operations with current cash
09 · KPI
↘
Fixed Cost Ratio
6.3%
↘ −0.4 ptvs prev. year
Share of revenue absorbed by fixed costs
10 · KPI
↗
Operating Margin
1.3%
↗ +114.4%vs prev. year
Operating profit over revenue
11 · KPI
↘
Outflow Ratio
104.9%
↘ −9.1%vs prev. year
Share of revenue absorbed by total outflows
FINANCIAL HEALTH

An honest score. Five dimensions, known weights.

No magic metrics. The score is the weighted average of 5 dimensions you can always expand for detail.

A confidence field openly declares how much of the total weight was actually computed on your data. No inflated score.

80 a 100Excellent
60 a 79Good
40 a 59Watch
0 a 39Critical

Net Margin

Weight 25%
Real post-cost profitability
84

Revenue Dynamics

Weight 20%
Revenue + margin trend vs prior period
76

Structural Resilience

Weight 20%
Distance from break-even + fixed cost leverage
71

Cash Cycle

Weight 25%
Collection vs payment timing
82

Operational Risk

Weight 10%
Open critical alerts + data completeness
68
PROACTIVE ALERTS

Seven rule categories. No surprises.

Each alert has a 60-day cooldown after resolution, no noise. The Analyst can provide root-cause analysis on batches of correlated alerts.

Anomalous week: revenue 3.9σ below averageHighNew
This week's revenue (€1,688) is statistically anomalous vs the last 8 weeks average (€4,565). Deviation: 3.9 sigma.
Suggested action: Check for specific causes (holidays, operational issues). If no evident causes, monitor next week.
Reference: 2026-05-16Created: 16 mag 2026
75.0% of purchases from a single supplierHighResolved
The supplier "SICILIANI S.P.A." represents 75.0% of total purchases (€9,423). High dependency increases operational risk.
Suggested action: Identify alternative suppliers. Negotiate a contract with supply guarantees if no alternatives exist.
Reference: 2026-05-15Created: 15 mag 2026
Cost/revenue ratio rising: +22.1%MediumResolved
Total cost to revenue ratio went from 77.2% to 99.3% vs prior period, up 22.1 points.
Suggested action: Analyze which cost categories grew most. Renegotiate contracts with main suppliers.
Reference: 2026-05-15Created: 15 mag 2026
Negative cashflow 7 days out of 14MediumResolved
In the last 14 days, daily balance (in − out) was negative for 7 days. Cumulative net loss: €5,236.
Suggested action: Check for delayed receivables or extraordinary expenses. Review incoming payment schedule.
Reference: 2026-05-15Created: 15 mag 2026
7 active categories
ALiquidityBProfitabilityCCash cycleDPatternEDependenciesFCommerceGData quality
DETAIL TABLES

Full granularity
when you need it.

Four separate tables to manage each transaction type, with server-side filters, inline edit, AI-assisted CSV import and pagination with authoritative total.

✓Server-side filters: category, supplier, date, amount, payment status
✓Inline edit on every field with automatic refetch
✓CSV import with AI-assisted column mapping
✓50 rows/page pagination with server-authoritative total
327 rows
DataCategoriaFornitoreImportoStato
21/051:1 Sessions-+€180✓ paid
20/05Google AdsGoogle−€124✓ paid
19/05Workshop Lead.-+€320✓ paid
19/05CateringMariani SRL−€280○ pending
18/05NotionNotion Labs−€16✓ paid
✦Monthly DigestLatest
📅 21 apr 2026 → 21 mag 2026⏱ 21 mag 2026
Health Score
75/100
Buono Good
Net Result
16.690 €
Revenue
41.055 €
Op. Margin
65,8%
✦TL;DR

Strong month for Marco Conti: revenue +170.5% YoY (€41,055), +6.3 pt operating margin and estimated operational coverage of 97 days. Only one area to monitor: Cash Cycle at 6/25.

📈FINANCIAL HEALTH

Health score 75/100 consolidated as Good. Strengths: Net Margin (25/25) and Revenue Dynamics (20/20). Critical area: Cash Cycle (6/25), driven by high DSO on corporate clients.

ⓘCASH CYCLE UNDER WATCH: DSO 31d vs DPO 12d. Three B2B clients with invoices > 30 days.
↗PERIOD PERFORMANCE

Month driven by leadership workshops (+14% vs quarter avg) and the new mastermind (5 enrollments, €9,000). 1:1 sessions keep margin at 71%, workshop instead eroded margin to 12% for unforeseen catering costs.

◎RESULT DRIVERS

Net result +€16,690 is driven by three factors: 1:1 session premium pricing (€180/h), low supplier dependency (15% of costs), fixed costs under control (25% ratio).

⚠RISKS & ANOMALIES
  • ·3 corporate clients with DSO > 30 days (€2,840 pending)
  • ·Client «AcmeCorp» represents 38% of Q2 revenue, high dependency
  • ·Leadership Workshop: 12% margin, review pricing or catering
Generated by AFianco · PDF ready in seconds
AI DIGEST

Your week,
told in 2 minutes.

PDF auto-generated weekly or monthly, with charts, key KPIs, resolved alerts, top categories. Narrative written by the Analyst in Italian (or EN/DE/FR).

✓Attached via auto email, opt-in for weekly
✓4 native languages: Italian, English, German, French
✓Rule-based fallback: digest never breaks if LLM is down
✓Model: Analyst (~25% cost, sufficient quality)
OTHER MODULES

Cashflow is only the beginning: connect sales, customers and AI.

When you activate the other modules, every order, customer and product automatically enriches your financial view.

02

Commerce

Every order automatically updates cashflow, customer and margin.

→
03

Customer Intelligence

Understand who buys, who comes back and who you are losing.

→
04

AI Analyst

Ask questions about your data and get operational answers.

→
14 days · no card

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