3 file levels

Start with what you have,
unlock more as you go

Level 1 · Bank statement
🏦

CSV from Qonto, Shine, Blank, BNP, CA, SG, Revolut. Cash position and flows in 30 seconds.

Cash forecast Inflows / outflows Monthly balance Board mode
✦ 4 to 5 views unlocked
Level 2 · Trial balance
📊

Export from Sage, Cegid, EBP, Pennylane, Indy. 8 to 10 views, including Performance and Structure.

Financial performance Financial structure Y vs Y-1 Health Score
✦ 8 to 10 views unlocked
Level 3 · FEC (15+ formats)
📁

Sage 100, EBP, Cegid, Quadratus, Isacompta, Coala, ACD, Pennylane, QuickBooks, Factur-X… Detected automatically.

All views 8 AI agents Flash Report PDF
✦ 22 views + 8 AI agents
Foreign general ledgers

Your European and African subsidiaries,
read like a FEC

Fintusk reads the general ledger (CSV) of 8 foreign charts of accounts and maps it to the French chart of accounts before the analysis: Spain (PGC), Germany (DATEV SKR03 and SKR04), Belgium (PCMN), Portugal (SNC), Poland (ZPK), Italy, the Netherlands and the OHADA zone (revised SYSCOHADA). You get the same dashboard as for a French FEC: revenue, EBITDA, net income, cash, Health Score.

Fixed rules, not guesswork

Every account is mapped with fixed tables for each chart of accounts, not estimated by AI. Numbering traps are handled (Belgium 40 = customers, OHADA 66 = staff costs, SKR03 8400 = sales).

Suspense account 471

An unrecognised account is never guessed: it goes to suspense account 471 and is listed in a conversion report (account, label, share of amounts), so you know exactly what the indicators are worth.

Export with the Compliance add-on

Importing a foreign ledger is open to every signed-in account. Exporting the converted file (FEC, SAF-T XML, CSV, JSON) is part of the Compliance add-on.

22 financial views

In 4 thematic blocks

Block 1 · Performance & Structure Pro
Financial performance
Waterfall of intermediate balances, value added to EBITDA, EBIT and net income, staff costs, ROE/ROA
Financial structure ★
Working capital, working capital requirement, net cash, functional balance sheet, permanent capital
External costs ★
Top suppliers, drift by cost line, costs to revenue ratio
Y vs Y-1
Systematic comparison of every KPI with delta and trend
Budget & Landing
Budget vs actual variances, YTD landing, year-end projection
AI summary
Full narrative report generated by the Senior CFO AI
Block 2 · Sales & Risk Pro
Sales & Activity
Top customers (Pareto), Herfindahl index, DSO per customer, revenue seasonality
Health Score /100
Altman Z-Score, 4-axis radar, history, scenario simulation
Risk & Solvency ★
Probability of failure at 12/24 months, weak signals
KPI consistency
Anomalies, red flags, FEC integrity, duplicates detected
AI Decision
Structured GO/NO-GO analysis by the Decision Agent
Block 3 · Tax & Financing Pro
Tax agent
Tax calendar, corporate tax simulation, DAS2, CA3 VAT return, ViDA Readiness Score
Financing & DSCR
Financial leverage, DSCR, loan simulator, Bpifrance, factoring
Cash forecast
30/60/90 days + 12 months + 3 scenarios (pessimistic/base/optimistic)
Flash Report PDF
Adapted to the level of the imported file, white-label available
Block 4 · Premium & Add-ons Add-ons
ESG & CSRD
Scope 1/2/3 greenhouse gases, CSRD readiness checklist, automatic non-financial statement
IFRS consolidation · 7 views
IFRS 10 scope, intercompany flows, IFRS 3 goodwill, IAS 36, XBRL export
Mid-term plan, 3 scenarios
P&L + balance sheet + cash over 3 years, editable assumptions
Board mode + InsightPanel
Click on a KPI for its definition, benchmark, causes and a Senior CFO AI recommendation
Management

9 live workbooks,
included in your subscription

Excel files with open formulas, not frozen reports: change the assumptions, project, make trade-offs. Designed first for accountants and external CFOs who handle several clients on different software (Sage, Pennylane, EBP...): one single, repeatable method across the whole portfolio, not one more tool per client. Included in the Pro and Diagnosis plans at no extra cost.

00 · Global Dashboard

One-page view of the key indicators of the 9 workbooks.

01 · Management & Reporting

Management dashboard, budget vs actual, monthly close.

02 · Cash

Indirect method, 13-week forecast, working capital, aged balance.

03 · Profitability & Costs

Cost price, margin by product and customer, break-even point.

04 · Investment

CAPM, WACC, NPV, IRR, MIRR, loan vs leasing.

05 · Financial Structure

Cash flow statement, bank covenants, leverage effect.

06 · Divestment & Acquisition

Normalised EBITDA, valuation (multiples + DCF), due diligence.

07 · Forecast Budget

Cost centres, 3-year business plan, rolling forecast.

08 · HR Management

Payroll, headcount, age pyramid, turnover.

09 · IT Management

TCO, cost per user, licence budget, IT project ROI.

8 specialised AI agents

Your Senior CFO
available 24/7

📈
Performance Agent
Balances · Costs · Forecast
🏪
Sales Agent
DSO · Customers · Benchmark
💊
Health Score Agent
Altman · Improvement
🧾
Tax Agent
VAT · Corporate tax · ViDA · R&D credit
🌱
ESG & CSRD Agent
CSRD · Carbon footprint
🏦
Financing Agent
DSCR · Loan simulator · Bpifrance
🏢
Consolidation Agent
Intercompany flows · Eliminations · IFRS
⭐
Senior CFO AI
Orchestrator · Narrative report

The app and the AI agents are available in French, English and Spanish.

Access all features →