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CFO Treasury Vault — Desktop software, 100% offline, built for SMEs and mid-caps managing multiple banking relationships, to forecast cash flow and optimize financing costs while keeping all company data on your own PC.
CFO Treasury Vault — Desktop software, 100% offline, built for SMEs and mid-caps managing multiple banking relationships, to forecast cash flow and optimize financing costs while keeping all company data on your own PC.
Four key advantages:
Four key advantages:
Quarterly Financing Cost Optimization — The engine calculates daily liquidity exposure and, weighing the rates and commissions of each credit line, determines which lines to draw from each day. Benchmarked against a mathematical (MILP) solver on real scenarios, our allocation has landed at or very close to the absolute optimum — typically within 0–1% deviation.
Quarterly Financing Cost Optimization — The engine calculates daily liquidity exposure and, weighing the rates and commissions of each credit line, determines which lines to draw from each day. Benchmarked against a mathematical (MILP) solver on real scenarios, our allocation has landed at or very close to the absolute optimum — typically within 0–1% deviation.
Liquidity Forecasting — Based on the payment and collection schedule you provide, the tool projects forward when liquidity may fall short, so you can plan ahead. As with any forecast, accuracy depends on the reliability of the input: near-term projections are typically solid, while longer-horizon estimates should be treated as planning scenarios rather than certainties.
Liquidity Forecasting — Based on the payment and collection schedule you provide, the tool projects forward when liquidity may fall short, so you can plan ahead. As with any forecast, accuracy depends on the reliability of the input: near-term projections are typically solid, while longer-horizon estimates should be treated as planning scenarios rather than certainties.
Beyond forecasting, the tool allows you to easily compare two core treasury strategies side-by-side:
Beyond forecasting, the tool allows you to easily compare two core treasury strategies side-by-side:
Runway Simulation — Calculates your liquidity buffer: how long the company can sustain itself on existing cash and credit lines before running short.
Runway Simulation — Calculates your liquidity buffer: how long the company can sustain itself on existing cash and credit lines before running short.
Optimization Simulation — Applies a cash-sweep logic, using available cash inflows to pay down the most expensive debt first, to reduce interest costs.
Optimization Simulation — Applies a cash-sweep logic, using available cash inflows to pay down the most expensive debt first, to reduce interest costs.
Total Privacy (100% Offline) — No cloud uploads, no internet connection required. The software runs locally on your PC; company data never leaves your machine.
Total Privacy (100% Offline) — No cloud uploads, no internet connection required. The software runs locally on your PC; company data never leaves your machine.
Data is updated by importing a standard Excel file with your payment and collection schedule — built on the same export your ERP or banking platform already produces, with no IT integration required.
Data is updated by importing a standard Excel file with your payment and collection schedule — built on the same export your ERP or banking platform already produces, with no IT integration required.
Lifetime License — No subscription, no recurring fees. One-off cost of €300 + VAT, covering up to 3 active credit lines, including direct technical support. Companies with more complex multi-bank setups scale up from there — still a single one-off payment, no subscription at any tier.
Lifetime License — No subscription, no recurring fees. One-off cost of €300 + VAT, covering up to 3 active credit lines, including direct technical support. Companies with more complex multi-bank setups scale up from there — still a single one-off payment, no subscription at any tier.
Enterprise treasury platforms typically run into the tens of thousands of euros per year and take months to deploy. CFO Treasury Vault is built for SMEs and mid-caps that need solid multi-bank cost optimization without that overhead.
Enterprise treasury platforms typically run into the tens of thousands of euros per year and take months to deploy. CFO Treasury Vault is built for SMEs and mid-caps that need solid multi-bank cost optimization without that overhead.
We stress-tested CFO Treasury Vault's heuristic engine against a MILP solver (the mathematical gold standard for this class of optimization problem) on a real Q4 2026 scenario: 8 active credit lines, daily deficits up to ~38M EUR, ~171K EUR in quarterly financing costs — no mandatory-bank constraints in this run, so it's a clean head-to-head comparison.
We stress-tested CFO Treasury Vault's heuristic engine against a MILP solver (the mathematical gold standard for this class of optimization problem) on a real Q4 2026 scenario: 8 active credit lines, daily deficits up to ~38M EUR, ~171K EUR in quarterly financing costs — no mandatory-bank constraints in this run, so it's a clean head-to-head comparison.
Heuristic Cost (Ours): EUR 171,471.89
Heuristic Cost (Ours): EUR 171,471.89
MILP Cost (Absolute): EUR 171,471.89
MILP Cost (Absolute): EUR 171,471.89
Deviation: EUR 0.00 — 0.0000%
Deviation: EUR 0.00 — 0.0000%
Our engine matched the mathematical optimum exactly, down to the cent.
Our engine matched the mathematical optimum exactly, down to the cent.
We're still building out a broader test set before calling any number "typical" — but on the scenarios tested we're seeing a 0–5% gap from the true optimum.
We're still building out a broader test set before calling any number "typical" — but on the scenarios tested we're seeing a 0–5% gap from the true optimum.
Software Comparison
Software Comparison
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