Financial Copilot

Ask about invoices, expenses, VAT or cash — answers come from your data.

Ask about your finances

I already analysed this workspace: cash CHF 104’150, CHF 13’458 outstanding and an estimated CHF 1’998 of VAT for Q3 2026. Ask me anything or pick a suggestion.

Proactive alerts

Monitored continuously against Diams Solutions SA's ledger.

  • 2 overdue invoicesCHF 7’189 outstanding across 2 customers; oldest 28 days.Follow up
  • Telecom costs up 196%CHF 621 this month against a CHF 210 three-month average.Review category
  • Supplier payment due in 5 daysSBB Business Travel, approximately CHF 374.Open expenses

Recommendations

  • Chase invoice INV-2026-0146 (Léman Analytics Sàrl)

    CHF 2’865 is 28 days late — send a reminder with the QR payment slip.

    Open invoice list

  • Review Office rent spending

    It is your largest cost line at CHF 15’869 (44% of costs). A 10% reduction adds CHF 1’587 to profit.

    Break down expenses

  • Follow up with Helvetia Design AG

    Your highest-value customer at CHF 35’000 over 12 months (27% of revenue). Keep the relationship warm and discuss renewals.

    Open customer record

  • Improve collections to strengthen cash flow

    Customers pay in 22 days on average. Shortening terms to 15 days would release roughly CHF 4’038 sooner.

    See receivables

  • Protect your margin while you grow

    Net margin over 12 months is 71.8% on CHF 127’415 of revenue. Reinvest selectively and keep fixed costs flat.

    Open profit report

Next VAT obligation

Q3 2026 — CHF 1’998.00 estimated, due 29 Nov 2026.

Open VAT workspace