Cash management & cash flow

Liquidity is the foundation of your company's ability to act. Those who know their solvency can approach investments with confidence, take early-payment discounts, negotiate from a position of strength, and seize growth opportunities without overextending. Just as important: most insolvencies are not caused by a lack of profit, but by a lack of liquidity, and those who keep an eye on it can spot bottlenecks early and counteract them in time. That is exactly why it pays to calculate your liquidity. In this article, you will learn how to calculate your company's liquidity, what Liquidity Ratios 1, 2, and 3 mean, and how to interpret the results correctly. You will get the formulas, fully worked examples, a guide for the balance sheet and Excel, as well as practical tips on how to manage your liquidity in a targeted way.

Professional financial planning not only serves to protect against bottlenecks, it is also a central factor for long-term growth. Specialized cash flow software helps you to keep an eye on your liquidity at all times, identify bottlenecks early on and take targeted countermeasures. At the same time, it supports strategic investment decisions and enables forward-looking financial planning. With Tidely, we ourselves are providers of cash flow management software and are convinced that it is one of the best solutions on the market. However, we know that every company has different requirements. That's why here's an objective comparison of the best tools for 2026 so you can choose the solution that really suits you. To do this, we have read through the websites of the various providers, several comparison sites and reviews and summarized them here.

Financial indicators are the navigation system for every SME. Find out which key figures are particularly important in 2026, what role liquidity, profitability and efficiency play, and how to securely manage your company with the right values.

Liquidity management is an indispensable part of corporate management, regardless of how big or small a company is. It ensures that enough funds are always available to meet all financial obligations on time. But what methods are there and how can modern tools help you optimize liquidity management? In this article, we explain the basics and show you how to secure your company's liquidity — while also keeping an eye on profitability.

A liquidity bottleneck can be a serious challenge for any company. If there is suddenly not enough money available to cover current expenses, you as an entrepreneur quickly find yourself in a situation that threatens your existence. But how exactly does such a bottleneck arise, and above all: How can you avoid it? In this article, we explain what you should pay attention to and which measures will help you identify and prevent liquidity bottlenecks at an early stage.

Liquidity analysis is a central part of financial management, which enables companies to secure their solvency and improve their financial stability. But how do you ensure that your own business remains solvent at all times? In this post, we'll look at what a liquidity analysis is, how it works and which methods you can use.

Every company must handle both regular and one-off payments on a monthly basis. This includes salaries, rent, taxes, insurance premiums, and credit payments, as well as costs for repairs, acquisitions, and marketing. These expenses must be paid either immediately or within a specified payment period. Salaries are typically disbursed at the end of the month, while taxes and credit payments are due monthly or at set intervals. This can lead to significant financial stress at certain times.

Anyone running a business knows that things often turn out differently than planned. Initially focusing in one direction, internal and external factors, which were unexpected, can force companies to reconsider or even change their strategy, and often it’s not possible to react flexibly enough to favourable events. Therefore, it’s crucial for entrepreneurs to play out various scenarios and prepare potential strategies. Setting up scenarios can serve as a decision-making aid for strategic alternatives as well as assist in the development of specific strategies in case of unexpected internal and external events. Scenarios are particularly used in financial and liquidity planning to better estimate changes in cash flow and avoid liquidity shortages.

Cash flow shows how much money flows into your company and how much comes out. It is a key figure for the financial strength and liquidity of your company. In this article, you will learn what types of cash flow there are, how to calculate cash flow, and which methods are suitable for evaluation. You'll also get tips on how to optimize your cash flow and learn how software solutions like Tidely can help you do that.