Risk Monitor

Identify and mitigate financial risks

72
Risk Score
Moderate risk level - attention needed on 3 areas
💰 Critical
Cash Flow Risk
Low runway in 4 months
📄 Warning
Receivables
€12,500 overdue 30+ days
📊 OK
Concentration
Top client < 25% revenue
⚖️ Warning
Compliance
2 missing receipts
🚨 Critical Risks
2
Cash Runway Below 6 Months Critical

At current burn rate (€10,285/mo), treasury will drop below €20K safety buffer by February 25th. Consider accelerating receivables or reducing expenses.

Impact: €35,000 → View Battle Plan
Late Payment: TechStart Ltd 15 days overdue

Invoice #2025-082 for €12,500 is 15 days past due. This client has 3 prior late payments in the last year. Recommend immediate follow-up.

Impact: €12,500 → Send Reminder
⚠️ Warnings
3
SaaS Spend Increase +25% YoY

Software subscriptions grew from €19,800 to €24,800 this year. 3 tools show no login activity in 60+ days.

Savings potential: €890/yr → Audit SaaS
Missing Tax Documents 2 missing

2 expense receipts missing for December. Required for VAT deduction and tax compliance.

VAT at risk: €456 → Upload Documents
Bank Fee Opportunity Optimization

Current bank charges €45/month. Alternative banks offer equivalent services at €0-15/month.

Savings potential: €540/yr → Compare Banks
🔍 Detected Anomalies
4 to review
💸
Unusual expense: AWS billing spike
December AWS bill is 85% higher than 6-month average
€892.45
📋
Potential duplicate: Google Workspace
Two similar charges on Dec 15 and Dec 16
€24.00
🔄
Invoice-payment mismatch
Payment received €8,340 but invoice was €8,500 (€160 difference)
€160.00
🏷️
Uncategorized transaction
Bank transfer to "J.Smith" - no category or receipt attached
€2,450.00