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FinanceOS Treasury & Liquidity
Wolfenbüttel, Germany
What it is
FinanceOS Treasury & Liquidity is a web finance platform for organisations working across several entities, banks, and systems. It sits above existing ERP, accounting, and banking tools, connecting contracts, project progress, and payments with cost, margin, forecasts, and liquidity. Treasury consolidates cash positions across accounts, entities, and currencies while retaining each figure's source. The liquidity forecast combines bank movements, receivables, and payables, with manual assumptions visible and attributable. Scenario analysis shows the effects of delayed payment runs, slipped receipts, or drawdowns alongside a base case. The module calculates covenant ratios with their source, headroom, status, and test period; if financing data is absent, it shows an empty result. Existing systems retain posting and accounting authority, while FinanceOS handles processes between them. NetSuite is its first and deepest connected system-of-record path. Sign-in uses Microsoft Entra ID, and access is role-based and entity-scoped. Financial records are append-only, with changes and approvals recording the person, time, and basis. The service runs on Microsoft Azure in a European region. Pricing is available on request; package tiers are not published.
For and against
For
- Consolidates cash across institutions and entities
- Forecasts liquidity from bank movements, receivables, and payables
- Scenario analysis compares outcomes with a base case
- Role-based, entity-scoped access
- Financial records are append-only
Against
- Pricing is available on request
- Package tiers are not published
- NetSuite is the first and deepest connected system-of-record path
The verdict
FinanceOS connects treasury views and forecasts to existing finance systems while leaving posting authority with those systems. Pricing is not published, so commercial scope requires a conversation.
Who it suits
FinanceOS suits finance organisations managing multiple entities, banks, and systems that need a consolidated cash view and liquidity forecasting. It may also suit teams tracking scenarios and covenant measures while keeping existing systems in control of posting and accounting.
Plans and prices
FinanceOS Treasury & Liquidity
Commercial scope is a conversation · no published package matrix
Read 1 Oct 2026 · suite.jps-iq.com
On the record
- AI governance
- AI explains variances, prioritises work queues and prepares proposals, while approval and posting remain with authorised people.suite.jps-iq.com · read 30 Sep 2026
- Auditability
- Financial-object entries are append-only and changes, approvals, rejections and overrides record the person, time and basis.suite.jps-iq.com · read 1 Oct 2026
- Audit trail
- Financial records are append-only, and changes, approvals, rejections and overrides retain the person, time and basis.suite.jps-iq.com · read 30 Sep 2026
- Bank connectivity
- Bank connectivity ingests statements and movements per institution and reports delivery gaps as gaps.suite.jps-iq.com · read 1 Oct 2026
- Cash forecasting
- The liquidity forecast combines bank movements, receivables and payables while keeping manual assumptions visible and attributable.suite.jps-iq.com · read 30 Sep 2026
- Cash position
- Balances and movements are consolidated across institutions and entities by currency, with each figure's source retained.suite.jps-iq.com · read 1 Oct 2026
- Compliance claims
- JPS-iQ says it does not claim certifications it does not hold and will provide a plain answer about available evidence on request.suite.jps-iq.com · read 1 Oct 2026
- Covenants
- The module calculates covenant ratios with source, headroom, status and test period, and shows an empty result when financing data is absent.suite.jps-iq.com · read 1 Oct 2026
- ERP authority
- ERP, accounting, banks and operational systems retain posting authority, while FinanceOS handles processes between systems such as approvals, reconciliations, chasing and spreadsheets.suite.jps-iq.com · read 30 Sep 2026
- ERP relationship
- FinanceOS sits above existing ERP and accounting systems while those systems retain posting and accounting authority.suite.jps-iq.com · read 1 Oct 2026
- Forecasting
- Its liquidity forecast uses bank movements, receivables and payables while keeping manual assumptions visible and attributable.suite.jps-iq.com · read 1 Oct 2026
- Hosting
- FinanceOS runs on Microsoft Azure in a European region, with the applicable region stated per tenant in the contract.suite.jps-iq.com · read 1 Oct 2026
- Hosting and encryption
- FinanceOS runs on Microsoft Azure in a European hosting region, with encrypted transport and encryption at rest.suite.jps-iq.com · read 30 Sep 2026
- Identity
- Sign-in runs through Microsoft Entra ID and the product stores no passwords.suite.jps-iq.com · read 1 Oct 2026
- Identity and access
- Sign-in runs through Microsoft Entra ID, FinanceOS stores no passwords, and access is role-based, entity-scoped and subject to server-side segregation-of-duties checks.suite.jps-iq.com · read 30 Sep 2026
- Integration model
- FinanceOS translates connected ERP, accounting, banking and document systems into a canonical finance model; NetSuite is the first and deepest connected system-of-record path.suite.jps-iq.com · read 30 Sep 2026
- Notable limits
- The product-status page says prices and package tiers are not published, certifications are not claimed, and DPO and cash conversion cycle metrics are not offered.suite.jps-iq.com · read 30 Sep 2026
- Product maturity
- Capabilities are classified as Verified in product, Pilot/validation, In active development or Defined capability, and unmarked capabilities are not claimed.suite.jps-iq.com · read 30 Sep 2026
