Financial intelligence for business

See the business clearly.
Decide what comes next.

FinGOAT brings performance, obligations, financing and forward-looking scenarios into one management layer — so owners and finance teams can move from financial data to informed decisions faster.

Explore the platform
Management visibility Forward-looking scenarios Greek-ready context
app.fingoat · Demo Strategy & Tech IKE
Data ready
Business overview

Dashboard

FY 2026 ⌄
Revenue€482.1k↗ 12.4%
Operating profit€91.4k↗ 7.8%
Cash€108.6k24.1% margin
Safe to spend€62.3kHealthy
PERFORMANCERevenue & operating result
12M
RevenueOperating profit
SepDecMarJunSep
PRIORITIESNeeds attention
3
VAT paymentDue in 8 days · €4,820
→
Loan instalmentDue in 14 days · €3,850
→
myDATA alignedNo material difference
✓
FINGOAT INSIGHT

Liquidity remains healthy, but tax and debt obligations absorb 31% of currently available cash.

Built for businesses that need more than historical reporting.
Business ownersFinance teamsAccountants & advisors
A clearer financial operating view

Your accounting records the past.
FinGOAT helps management look ahead.

The platform connects the financial questions a business asks every week: Where do we stand? What is due next? What changes if we hire, invest or borrow? What deserves attention now?

01 FINANCIAL VISIBILITY

Know the position before the meeting starts.

Revenue, operating performance, cash, tax reserves, payroll commitments and safe-to-spend capacity are brought into one management view.

  • Performance and liquidity at a glance
  • Financial statements and management KPIs
  • Forward obligations visible alongside cash
Financial positionSep 2026
Cash€108,600
Safe to spend€62,300
Tax reserve€21,420
Cash movementIllustrative
AprMayJunJulAug
Healthy liquidityAfter modeled near-term commitments
02 SCENARIO PLANNING

Test the decision before committing capital.

Model revenue changes, new hires, CAPEX and financing with the same financial engines used across the platform. Compare the baseline with the modeled outcome immediately.

  • Growth and stress cases
  • Hiring and financing impact
  • Cash, profit and debt comparison
SCENARIO LABExpansion case
LIVE MODEL
Revenue change+12%
New hires2
New financing€50k
Projected revenue€539.9k+€57.8k
Projected cash€94.2k−€14.4k
Debt payments · 12M€41.7k+€9.7k
BaselineScenario
03 ACTIONS & OBLIGATIONS

Surface what needs attention before it becomes urgent.

FinGOAT combines taxes, VAT, e-EFKA, debt payments, contracts and procurement signals into one forward-looking Action Center.

  • Prioritized deadlines and financial exposure
  • Open / resolved action workflow
  • Calendar and corporate-control signals
ACTION CENTERWhat needs attention
3 open
!
ACTION REQUIREDVAT payment

Estimated €4,820 due in 8 days.

↗
UPCOMINGLoan instalment

€3,850 scheduled in 14 days.

✓
RECONCILEDmyDATA aligned

No material period-level difference detected.

04 HIRE SIMULATOR

Know the real cost of a hire before making the offer.

Move beyond gross salary. FinGOAT models employer contributions, annual payroll cost and the projected effect on operating result and liquidity.

  • Gross-to-employer-cost breakdown
  • Annualized payroll commitment
  • Cash and profitability impact
HIRE SIMULATORIllustrative
FP
NEW ROLEFinance AnalystFull-time · Greece
MODELED
Gross monthly salary€2,200
Employer contributions€479
Monthly employer cost€2,679
Salary€26.4k
Employer charges€5.7k
Annual employer cost€32.1kincluding modeled charges
Projected operating impact−€32.1kbefore revenue uplift
Liquidity testWithin capacityAfter modeled near-term commitments
05 FINANCIAL MENTOR

Ask the business question. Get an answer tied to the numbers.

The FinGOAT Mentor explains structured financial outputs in management language. It brings together cash, tax, payroll, debt and scenario context instead of calculating tax or payroll independently.

  • Management questions in natural language
  • Evidence from connected FinGOAT modules
  • Explainable recommendation and next step
FINGOAT MENTORDecision conversation
CONNECTED
YOU

Can we afford to hire another employee in October?

G
FINGOAT

Based on current cash, modeled tax reserves and existing debt payments, the hire remains within the current liquidity buffer. The main pressure point is Q4 tax exposure, so I would compare the hire against a 10% revenue downside case before committing.

EVIDENCE USED
Cash €108.6kTax reserve €21.4kDebt payments · 12M €32.0kHire cost €32.1k/y
RECOMMENDED NEXT STEPRun a −10% revenue stress case →
06 FORWARD PROJECTION

See the liquidity path — not only today's balance.

FinGOAT combines modeled operating performance with known tax, payroll and debt obligations to show a forward management view and the points where liquidity deserves attention.

  • 12-month projected cash path
  • Known obligations shown on the timeline
  • Baseline and downside comparison
FORWARD LIQUIDITYNext 12 months
BaselineDownside
Opening cash€108.6k
Lowest projected cash€71.8k
Liquidity buffer€29.4k
VAT€4.8k Tax€12.6k Debt€8.9k SepNovJanMarMayAug
Baseline liquidity remains positive across the modeled horizon; Q1 is the lowest projected point after tax and debt commitments.
One connected intelligence layer

The financial questions management asks — connected in one platform.

01

Dashboard & Financials

Performance, liquidity, financial statements and management KPIs.

02

Action Center

Prioritized obligations, deadlines and control signals.

03

Scenario Lab

Growth, stress, hiring, CAPEX and financing simulations.

04

myDATA Reconciliation

Read-only period reconciliation and discrepancy review.

05

Debt & Treasury

Facilities, financing cost, payments, maturity and covenant signals.

06

Executive Reporting

Management-ready monthly reporting in English and Greek.

07

Hire Simulator

Employer cost, annual commitment and modeled liquidity impact before the offer.

08

Financial Mentor

Management explanations grounded in connected financial engines and business context.

09

Forward Projection

Projected liquidity path with known tax, payroll and debt obligations on the timeline.

What the platform is designed to improve

Less time assembling the picture.
More time deciding what to do.

01
Clearer visibility

Bring operating performance, cash and obligations into one management view.

02
Earlier awareness

Surface upcoming financial commitments and control signals sooner.

03
Better-informed decisions

Model the financial impact of important decisions before committing.

Built with Greek businesses in mind

Local financial context.
Management-level clarity.

FinGOAT combines the management workflows businesses expect with Greek tax, VAT, e-EFKA, payroll, myDATA and financing context. Calculation logic remains structured and reviewable.

myDATATax & VATe-EFKAPayrollDebt & Treasury
myDATA RECONCILIATIONPeriod view
✓ Matched
FinGOATmyDATADifference
Income€119,600€119,600€0
Expenses€59,401€59,401€0
VAT€18,355€18,355€0
100%
PERIOD COVERAGEAligned financial view

Read-only management reconciliation; not a substitute for statutory accountant review.

Built for useful financial conversations

Management intelligence — without pretending to replace professional judgement.

FinGOAT is designed to organize, model and explain financial information for decision support. It complements accountants, advisors and existing financial systems.

DESIGNED TO
  • Improve management visibility
  • Forecast modeled obligations and scenarios
  • Surface discrepancies and priorities
  • Create management-ready reporting
NOT DESIGNED TO REPLACE
  • Professional accounting or tax advice
  • Statutory filing judgement
  • ERP or official accounting ledger
Selected pilot businesses

See how FinGOAT could fit your financial workflow.

Book a focused walkthrough around the areas that matter to your business — visibility, tax and VAT, myDATA, debt, scenarios or executive reporting.