Let’s start with your accounts
Vinova consolidates company accounts in read-only mode to rebuild a complete view of cash and transactions
Maison Valdorey accounts
5 accounts across 4 institutions
Consolidated view
Available after synchronisation
Vinova learns how your cash behaves
Transactions are imported, grouped by counterparty and categorised to distinguish inflows, recurring expenses and more occasional spending
Automatic analysis
18 months of bank history available
Recurring flows detected
They will feed the forecast
Cash-flow breakdown
A concise view rather than a list of 126 categories
| Date | Account | Transaction | Category | Amount |
|---|
What you can invest without weakening the business
Vinova first displays actual observed months, then extends the curve with the forecast so the recommendation remains auditable
The forecast starts from a curve the user can compare with actual past months
Payroll, social charges, energy and contractual payments feed the projection
The investable amount automatically decreases if the safety buffer is increased
Here is how Vinova would allocate €90,000
The recommendation is built from the forecast low point and the need to keep part of the cash readily available, while you remain free to edit it
The backtest and forecast reveal several availability windows, so Vinova proposes an allocation across three horizons rather than one single lock-up
Proposed allocation
You can edit each bucket
Why this allocation?
Vinova reading of the cash cycle
To absorb an unexpected expense without touching term deposits
History shows this bucket is not needed before year-end inflows
Even at the January low, the projection maintains enough safety margin
Impact on your cash
A simple view of what remains available today and when each bucket comes back
Competition for each bucket
Vinova compares offers on the same amount and term, preselects the best one, and lets you choose another if you prefer
Allocation & best offers
One line per cash bucket
| Bucket | Amount | Term | Direct offer | Best Vinova offer | Estimated interest | Gain |
|---|
Validate then transmit to the authorised partner
Vinova summarises availability, product type and relevant regulatory information, then prepares transmission to the authorised partner
Selected allocation
3 investments · €90,000
Risk information
The appropriate framework depends on the actual product selected
Each investment returns to the forecast at the right time
Vinova tracks each bucket, maturity and expected interest to show what remains liquid and when each amount becomes available again
My investments
Consolidated allocation view
Upcoming maturities
Vinova prepares the next decision
Forecast after allocation
Bank cash remains visible and each repayment is shown on its maturity date