Liquidity analysis for companies
Capital works. Available at any time.
Dzelamokru analyzes cash flows in real time and suggests capital allocations. No holding periods, no waiting for approvals.
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Dzelamokru analyzes cash flows in real time and suggests capital allocations. No holding periods, no waiting for approvals.
Start analysisMany medium-sized companies keep reserves in current accounts because alternatives seem too slow or too confusing. That has a price.
Capital in current account accounts loses real value as soon as inflation exceeds the interest rate. Unused reserves do not work.
Without ongoing evaluation of payment flows, it remains unclear how much capital is actually freely available.
Manual risk assessment ties up time and personnel, which is often lacking in a small company.
Dzelamokru was developed for companies that hold liquidity reserves but do not want to constantly manually check how much of it is investable.
The platform processes account movements, seasonal patterns and planned spending to provide a daily assessment of available funds. Decisions remain yours; the system takes care of data preparation.
Three components work together to ensure that capital remains invested and can still be accessed at any time.
The model predicts incoming and outgoing payments based on historical patterns and current account movements. This determines what amount is not needed in the short term.
A dynamic buffer adapts to market fluctuations and seasonal peaks. If demand increases, capital is automatically downgraded before bottlenecks arise.
Released funds are distributed according to predefined rules. Withdrawals are made without a holding period as the allocation remains liquidity-oriented.
Don't rely on assurances: every step of the capital decision can be explained technically.
Account and accounting data are read in via secure interfaces. A continuous picture of the payment flows is created.
Models assess liquidity needs, risk exposure and seasonal effects. The result is a daily recalculation of the investable share.
The released amount is allocated according to the risk profile. Withdrawals are possible without waiting time as there are no holding periods.
Companies with fluctuating orders can invest surpluses from strong months without losing access for the next off-season.
Reserves for sales tax or trade tax remain investable until the payment date approaches. The release occurs automatically before the due date.
In the event of growth or new orders, the system adjusts the liquidity buffer instead of permanently maintaining it at a conservative maximum value.
Payouts are not subject to a holding period. The technical processing time depends on the bank details; it is usually one banking day.
Account data is transmitted via encrypted interfaces and stored separately from analysis results. Access rights are limited based on roles.
Forecasts are continually compared with actual cash flows. Deviations are incorporated into the adjustment of the risk buffer before new allocation proposals are created.