accruallab gives Swiss SMEs and scale-ups a clear, living view of money in and money out—week by week, deal by deal. We connect invoices, payroll, and purchasing with bank movements so you can navigate seasonal swings, supplier terms, and SNB rate changes without improvisation. From a workshop in Winterthur to a clinic in Lausanne, we turn cash into a plan your board, bank, and team can understand in one sitting.
We build a rolling 13-week model tied to order book, delivery dates, and payment terms. Collections and disbursements are mapped to real banking cycles (pain.001 outflows, camt.053/054 inflows), with notes for expected delays—trade fairs, school holidays, year-end shutdowns.
Your dunning cadence aligns to QR references and customer preferences—eBill where available, polite reminders in DE/FR/IT, and an escalation path that keeps relationships intact. Aging reports show owner, next action, and effect on forecasted cash.
We coordinate PO releases with minimum order quantities and lead times, documenting what can shift a week and what cannot. Freight and customs events (Basel/Weil, Chiasso) are visible in the plan, so landed-cost peaks don’t surprise your bank account.
We schedule salaries, AHV/AVS, ALV, BVG/LPP, UVG/LAA, and (if relevant) MWST, with buffers for cantonal public holidays. A compact note explains every statutory outflow—useful for new managers and for lenders scanning your plan before a facility review.
We model SNB rate moves, FX swings, and contract timing slides. Each scenario updates liquidity headroom and covenant indicators, so you can discuss adjustments (discounts, term extensions, CapEx pacing) with facts instead of instincts.
A one-page liquidity dashboard shows opening cash, sources and uses, variance vs. last week, and covenant markers if you have them. It’s formatted for ZKB/UBS relationship managers and board packs—concise, neutral, and free of superlatives.
accruallab was conceived after a CFO near Paradeplatz admitted that the P&L was tidy but the next 60 days felt like guesswork. We saw the same in manufacturing halls in Aargau and creative studios off Rue du Rhône: strong businesses, thin cash visibility. Our philosophy is Swiss at its core—respect for detail, punctual communication, and documentation that reads like a field manual, not a pitch deck.
Value proposition Live 13-week cash model tied to your systems, a realistic receivables and purchasing cadence, and reporting that supports bank conversations and internal decisions—without overengineering.
Target audience SMEs and mid-market firms (CHF 5–200m turnover), venture-backed scale-ups stabilising their cash cycle, and Swiss subsidiaries aligning local liquidity to group reporting.
Distribution/delivery channels Kickoff on-site near Zurich, Switzerland HB or via video; secure Swiss-hosted portal for data and approvals; weekly stand-ups during the first cycle; knowledge base in DE/FR/IT/EN.
Revenue streams Fixed-scope implementations; monthly support retainers; add-ons for treasury policy, covenant tracking, and ERP integration; training packages for controllers and team leads.
Key partners/resources Integrations with Abacus, SAP, NetSuite, bexio; banking formats ISO 20022 (pain/camt); references to Swiss Code of Obligations on payment terms; practical input from Treuhand partners and logistics providers.
Cost structure Senior finance talent, Swiss hosting/security, integration maintenance, and light travel when workshops are on-site. We invest in reusable templates and models you can keep.
Start NowTo make Swiss cash management calm, transparent, and teachable—so teams can execute with confidence, lenders receive clear signals, and leaders sleep without replaying bank balances in their heads.
Data connection, base 13-week model, receivables and payables mapping, and one training session for finance and operations.
Everything in Kickstart plus bank format automation (pain/camt), dunning templates in DE/FR/IT, variance reviews for two months, and a board-ready liquidity page.
Multi-entity consolidation, covenant indicators, FX/rate scenarios, inventory purchasing playbook, and quarterly lender pack refresh for one cycle.
Email: info@accruallab.com
Phone: +41 44 508 76 50
Address: Badenerstrasse 141, 8004 Zurich, Switzerland
Business ID (UID): CHE-592.164.038