Treasury & Liquidity Management
The planning, control, and execution of cash flows to ensure liquidity, solvency, and financial stability.
Treasury services cover the active management of a company’s cash position. This includes monitoring available liquidity, planning upcoming inflows and outflows, and ensuring that payment obligations can be met at all times.
A modern treasury function does not focus only on today’s bank balance. It creates forward visibility, supports prioritization, and protects the company from liquidity shocks.
What we mean by “treasury and liquidity management”
While accounting records transactions after they occur, treasury looks ahead. It connects current bank balances, expected payments, and future obligations into a coherent view of liquidity and timing.
Treasury management builds on accounts receivable and accounts payable processes by translating expected inflows and outflows into actionable liquidity planning.
In growing companies, treasury is often implicit or informal. Decisions are made based on partial information, and liquidity issues surface late. A structured treasury function replaces this with predictability, control, and informed decision-making.
Who is this for?
This service is intended for companies where cash availability and timing directly affect operations and decisions.
It is particularly relevant where payment volumes increase, obligations overlap, or liquidity decisions require prioritization rather than simple execution.
Typical situations include:
Regular incoming and outgoing payments with different timing
Periods of tight liquidity or rapid growth
A need to understand cash availability beyond the current bank balance
Who is this not for?
This service is not a good fit where liquidity is abundant, payment activity is minimal, or cash timing does not influence operational decisions.
It is also not intended for companies that already operate a fully developed in-house treasury function.
Typical situations include:
Very small businesses with low payment volume
Companies holding large cash buffers with no short-term constraints
Organizations with dedicated treasury departments
What is done in practice
Liquidity visibility and cash position monitoring
1
Bank balances and cash positions are monitored continuously to maintain a clear view of available liquidity.
Expected inflows and outflows are planned over short- and mid-term horizons to anticipate liquidity needs.
Cash flow forecasting and planning
2
Payments are scheduled and prioritized based on due dates, risk, and liquidity impact.
Payment scheduling and prioritization
3
Execution and control of payments
4
Payments are executed in a controlled manner with clear authorization and traceability.
5
Liquidity risk identification
Potential liquidity gaps and timing mismatches are identified early to allow corrective action.
Treasury reporting and decision support
6
Treasury information is structured to support management decisions related to spending, timing, and financial commitments.
Why it matters
Liquidity issues rarely arise suddenly. They develop through small timing mismatches, unplanned outflows, or delayed inflows that remain unnoticed until options are limited.
A structured treasury function reduces the risk of payment bottlenecks, last-minute financing decisions, and operational disruption. It enables early action, conscious prioritization, and financial stability even during growth or uncertainty.