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Zentwero analysis interface for capital management for companies

Use capital wisely — predictive analytics for your liquidity

Zentwero continuously evaluates your account and transaction data and shows what proportion of your cash reserves are structurally freely available. On this basis, you receive concrete, prioritized options for action for liquidity management and profit optimization.

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BaFin-oriented processes GDPR-compliant data storage Military-grade encryption
The analysis interface shows liquidity corridors, forecast fluctuation ranges and prioritized recommendations in a compact overview - without additional manual evaluation.
Initial situation

Unused capital has a real price

Many medium-sized companies keep high cash reserves out of caution, often well above operational requirements. If inflation persists, this capital loses real value without resulting in a strategic advantage.

The problem is rarely due to a lack of will, but rather to a lack of data: without a reliable forecast of the actually available surplus, cautious hoarding remains the lower-risk decision.

Solution

Zentwero translates data into decisions

Zentwero connects your financial data with predictive models and organizes capital according to availability: operating reserve, short-term buffer and structural free surplus. This results in concrete, comprehensible recommendations for action.

Operational needs Structurally free part

Illustrative representation of a typical liquidity trend - no key figures for a specific customer.

Technology

Security and forecast accuracy as equally important requirements

Predictive models only provide an advantage if the underlying data is consistently protected. Zentwero connects both requirements in the same infrastructure.

01

Predictive analytics

Models project liquidity trends based on historical account movements and seasonal patterns in order to identify freely available funds at an early stage.

02

Military encryption

Data is encrypted using the AES-256 standard — both in transit and at rest.

03

Real-time insights

Account movements are continuously recorded so that deviations from the forecast liquidity trend are immediately visible.

04

Regulatory compliance

Processes are designed to meet BaFin requirements and the GDPR, including complete documentation of every recommendation.

Methodology

How a recommendation is created from raw data

The path from data collection to concrete action options follows three clearly separated steps. Every step is documented and traceable.

01

Data collection

Account and transaction data is aggregated via secure, reading interfaces and converted into a uniform data model.

02

AI modeling

Predictive models calculate liquidity corridors and assess fluctuation risks based on historical patterns and seasonal effects.

03

Decision optimization

The system translates the analysis into prioritized options for action - comprehensibly justified and free from subjective bias.

Use cases

Three decision-making areas for entrepreneurs

The Zentwero models are designed to address typical questions from decision-makers in small and medium-sized companies and scale with the size of the liquidity managed.

Liquidity planning

Liquidity management with clear reserve logic

Zentwero distinguishes between operationally tied capital and structurally free surplus and continuously updates this classification based on real account movements.

  • Ongoing calculation of the liquidity corridor
  • Early warning if there is a deviation from the forecast path
  • Comprehensible basis for reserve decisions
Risk diversification

Risk management instead of individual decisions

Recommendations take concentration risks into account and suggest a diversification that fits the company's risk-bearing capacity, instead of evaluating individual investment decisions in isolation.

  • Assessment of cluster risks in the portfolio
  • Scenarios for different market conditions
  • Adaptation to individual risk tolerance
Yield optimization

Optimization of returns within liquidity limits

For the identified free capital share, Zentwero shows income options that lie within the previously defined security and availability limits.

  • Comparison of runtime and availability requirements
  • Comparison of options according to risk-reward profile
  • Documented justification for each recommendation
About Zentwero

Decision support, not a black box

Zentwero was developed to give decision-makers in small and medium-sized companies a basis for analysis that is otherwise only available to larger treasury departments - while maintaining consistently high requirements for security and traceability.

Every recommendation is documented and can be traced back to the underlying data points. This reduces dependence on individual opinions and makes decisions within the team verifiable.

More about Zentwero
Zentwero team working on analytical models for capital decisions
FAQs & Compliance

Questions about security and regulatory framework

How is my data protected?
All data is transmitted and stored encrypted according to the AES-256 standard. Accesses are logged and processing is carried out exclusively for specific purposes within the framework of the GDPR.
What regulatory framework is Zentwero subject to?
The processes are aligned with BaFin’s requirements for data security and documentation. Recommendations are logged in a comprehensible manner to facilitate internal and external audits.
How complex is the integration into existing systems?
The connection takes place via secure, reading interfaces to your existing accounts. As a rule, no adjustments to your existing accounting or banking software are required.

The next step towards a data-driven capital strategy

Arrange a non-binding discussion to clarify whether an analysis of your liquidity structure makes sense for your company. We initially do not need access to sensitive systems.

Request analysis Find out more
Or write to us directly: [email protected]