Problem · No overview of liquidity
How long will the money last? An honest answer from three numbers.
The account balance alone says little. Only with what comes in and goes out each month do you see how much time you have and whether you need to act now.
Quick check
Three numbers. A days-of-supply figure in months.
Use averages from the last three months, not the best or worst month.
Monthly balance
-4.500,00 €
At this pace, the money lasts, mathematically, for 9.3 months.
Runway = account balance ÷ (payments out − cash in)
Assumptions and limits
- The calculation assumes steady months. Seasonal peaks, tax payments, and one-off costs shift the result.
- Cash in is what actually comes in. Open invoices only count once they're paid.
- In weeks when cash is tight, you need planning by due dates, not just a monthly average.
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How you'll notice
The account balance surprises you. New every month.
- You check your account before every larger expense instead of knowing whether it fits.
- Payday and tax payment fall together, and you only notice in the week before.
- You can only estimate the bank's or a partner's question of how long you can last without new money.
Understand the causes
Why liquidity is so hard to see.
- 01
Profit and cash get confused
- How you'll notice
- The analysis shows profit, but the account is still tight.
- Why it happens
- Invoices are issued but not paid; goods are bought but not sold.
- What helps
- Look at cash in and cash out separately from profit, by the day money moves.
- Limit
- For tax and year-end close, the profit calculation remains authoritative.
- 02
Large payments are rare
- How you'll notice
- Quarterly or annual payments surprise you every time.
- Why it happens
- Taxes, insurance, and annual subscriptions are missing from your monthly picture.
- What helps
- Write all payments that come less often than monthly into a list, with dates.
- Limit
- Estimated tax payments change; the number comes from your tax advisor.
- 03
Accounts are scattered
- How you'll notice
- Money sits in the business account, payment provider, and marketplace, and nobody sees the total.
- Why it happens
- Each account is checked separately, and there is no overall picture.
- What helps
- Once a week, transfer all balances into one row.
- Limit
- Balances at payment providers are only really available after payout.
- 04
A fixed appointment is missing
- How you'll notice
- Liquidity is only checked when things get tight.
- Why it happens
- Without a routine, a bottleneck only shows up when there is little room left to act.
- What helps
- Set a weekly ten-minute appointment for the account balance and upcoming payments.
- Limit
- In quiet periods, a monthly look is enough.
Ways to solve it
How much planning what you really need.
| Way | Enough if | Limit |
|---|---|---|
| Weekly look at all accounts | Income and expenses are steady, and the account has a buffer. | Shows the current status, not the coming weeks. |
| Liquidity plan in a spreadsheet | You enter payments with dates yourself and update the list weekly. | Goes stale quickly if nobody updates it. |
| Liquidity planning with your tax advisor | You need a plan for the bank or investors. | Usually a snapshot date, not a running picture of day-to-day. |
| Peak One | You want to see cash position, forecast, and upcoming payments together. | It doesn't replace bookkeeping; the forecast depends on the payments you record. |
Peak One in action
From the account balance to the next payment.
- TriggerIs the money enough for the next few weeks?
- 01 · AccountSignalCash Position shows how much money is really available.
- 02 · Cash flowUnderstandingCashflow shows where the money comes from and where it goes.
- 03 · ForecastDecisionCash Forecast answers whether the money lasts for the next few weeks.
- 04 · PaymentActionPayment Queue shows which payments are due now and whether the money covers them.
The apps for it
Available in Peak One.
Cash PositionAvailableCashHow much cash do we really have?
Cash ForecastAvailableCashIs there enough cash for the next few weeks?
RunwayAvailableCashHow long will the money last?
Payment QueueAvailablePayablesWhich payments are due now, and is there enough money for them?
Working CapitalAvailableCashWhere is cash stuck?
Three steps
This week Create clarity.
- 01 / 03
Add up all balances
Combine business accounts and payment provider balances into one number.
- 02 / 03
List rare payments
Note the taxes, insurance, and annual contracts for the next twelve months, with dates.
- 03 / 03
Set a fixed appointment
Check runway and the next big payments at the same time every week.
Frequently asked questions
Briefly answered.
How many months of runway should a small company have?
There is no fixed number. The more irregular your income and the higher your fixed costs, the more buffer you need. More important than the value is that you know it and check it regularly.
What is the difference between liquidity and profit?
Profit assigns services and costs to the period in which they arise. Liquidity counts when money actually flows. A profitable company can run short of cash if customers pay late or a lot is tied up in stock.
Do I need a bank connection for this?
Not for the quick check above. Three average values are enough for a first estimate. For a running picture, it pays to record account balances regularly and completely.
Keep exploring
What's included.
- FunctionCash flow & runwayA clear cash picture from rough numbers, with runway and cost blocks.View
- Software categoryCash flow softwareSee what comes in, what goes out and how long it lasts.View
- Use caseTrack key figuresKeep cash, profit, and margin in view, with the source of every number.View
- ProblemCapital tied up in stockThe warehouse is full, the account is empty, and nobody knows how much stock is too much.View
- ProblemCustomers pay lateThe service is delivered, the invoice sent, the money is missing.View
- ProblemRevenue without profitMore revenue, but hardly anything is left at the end of the month.View
✦ A Peak principle
Cash is time. Whoever sees them decides more calmly.
Overview first, then action
More problems
Typical bottlenecks in growing companies, each with a tool you can try right away, the causes, and the path Peak One provides for it.
Solve it once. The rest follows.
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