TRESIO
1
SMEs
Empower your entrepreneurial journey
Startups
Fuel your startup’s growth
Accounting Services
Elevate your accounting firm
Real Estate
Navigate your real estate financials
Family Offices
Multi-entity cash management

Plan Better. Grow Smarter.

Scale With Confidence.

Move from accountant to advisor.

Financial clarity for real estate developers.

Financial control across entities & jurisdictions.

Forget spreadsheets. Track transactions, manage liquidity across banks and entities, and generate meaningful reports. Built for SMEs that need clarity, speed and control.

Plan, adapt and report faster with a financial tool designed for fast-moving startups. Track cash flow, compare scenarios and keep investors informed with clear, real-time insights.

Position your firm as a modern financial partner. Tresio enables you to offer CFO-level services like real-time liquidity planning and reporting, all without manual spreadsheet work.

Track liquidity and loans across projects, entities, banks and jurisdictions, plan future investments, and create clear reports. No more scattered spreadsheets, just full financial control in one powerful tool.

Gain real-time visibility into cash positions, intercompany flows, banking exposure and loans. Tresio helps you manage multi-entity portfolios with clarity, speed and full reporting control.

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FORECAST
BANK ACCOUNTS
Transactions
SCENARIOS
Invoices
Planning
BALANCE BY BANK
Total amount:230,260.80CHF
UBS Group AG: 78,288.67 CHF
 UBS Group AG
 JPMorgan Chase
 Zuercher Kantonalbank
 BNP Paribas
BALANCE BY COMPANY
Total amount:230,260.80CHF
Subsidiary Startup: 39,144.33 CHF
 Main company
 Subsidiary Startup
 Foreign branch
BALANCE BY COMPANYEmail: john@fin.ch
Companies
Read
Write
Company name
Address
Main company
CH, Zurich, Bahn...
Foreign branch
DE, Bonn, Heerst...
Subsidiary Startup
CH, Zurich, Bahn...
Components
Read
Write
Page name
Transactions (view transactions)
Balances (view balances)
Companies (manage companies)
BALANCE FOR TODAY
  Company
Banks
Balance
Balance
(company currency)
  Main company
UBS Group AG
11,000 CHF
11,000 CHF
  Subsidiary Startup
Zuercher Kantonalbank
30,000 CHF
30,000 CHF
  Foreign Branch
Deutsche Bank AG
85,000 EUR
79,950 CHF
  Foreign Branch
JPMorgan Chase
70,000 USD
57,432 CHF
  Main company
BNP Paribas
62,000 EUR
58,317 CHF
Total cash
256,699 CHF
Available cash
286,699 CHF
Transactions
Upload
Export
Company
Account
Amount
Details
Main company
UBS Group AG
-58.60 CHF
Payment to Bexio AG
Subsidiary Startup
BNP Paribas
-15.00 EUR
Purchase at Coop
Foreign Branch
Zuercher Kantonalbank
-59.65 CHF
Cash Withdrawl
Main company
UBS Group AG
45.00 EUR
Inflow from Miller Ltd
FORECAST
BANK ACCOUNTS
INVOICES
Subscriptions
HR Planning
RECONCILIATION
SCENARIO
Realistic Case (80% on Target)
Base Scenario
Growth Case
Hiring Plan
New Business on plan
Best Case (130% on Target)
Realistic Case (80% on Target)
Worst Case
Wind Down Plan
MARKET AT 200% - FORECAST
Base Case
Best Case
Worst Case
80K
60K
40K
20K
Best Case: 43,215.09 CHF
Base Case: 23,902.78 CHF
0
Sep 25
Dec 25
Mar 26
Jun 26
May 26
RECONCILATION
Total amount:110,259.12 CHF
Closed invoices:  36,385.49 CHF
 Open invoices
 Overdue invoices
 Closed invoices
BALANCE FOR TODAY
Company
Banks
Balance
Balance
(company currency)
Credit line
(CHF)
CH50****2448
UBS Group AG
34,200 CHF
34,200 CHF
-20,000 CHF
CH12****5678
JPMorgan Chase
17,000 USD
13,948 CHF
FR14****2004
BNP Paribas
19,100 EUR
17,965 CHF
Total cash
66,113CHF
-20,000 CHF
Available cash
86,113 CHF
Total credit line
-20,000 CHF
CURRENT FX RATES TO CHF
Currency
FX Rate
USD
0.821263
EUR
0.931848
JPY
0.005705
BTC
85,696.37
ETH
2,130.340
SOL
122.6959
REPORTS
Forecast
HR PLANNING
Loans
METRICS LIBRARY
ACCESS MANAGER
BALANCE HISTORY
Cash balance
Revenue
Salaries
60K
40K
20K
0
Cash balance: 38,275.09 CHF
Revenue: 8,415.09 CHF
Salaries: 6,849.47 CHF
-20K
Aug 24
Sep 24
Oct 24
Nov 24
FORECAST DETAILS
Starting cash balance
55,855
40,625
41,730
41,285
Cash inflows
7,895
28,252
27,952
18,374
3 - Operating revenue
2,000
21,000
17,000
4,000
3400 - Service revenue SME
2,000
4,000
5,000
4,000
3401 - Service revenue Enterprise
0
17,000
12,000
0
Subscriptions
5,895
7,252
10,952
14,374
Cash outflow
-23,125
-27,147
-28,396
-33,196
Financing
0
0
0
0
Net cash flow
-15,230
1,104
-444,028
-14,822
Name
Amount
Description
Invoice
-1,200.00 CHF
Issue Date: 02.05.2025
Invoice Amount:
-30,000 CHF
Planning
-1,833.35 CHF
Planning type: Recurring
payment
HR payment
-2,100.40 EUR
Start date: 01.03.2025
End date: 20.05.2025
SAAS INCOME STATEMENT 01.01.2025
31.12.2025 01.01.2024
31.12.2024 %
Revenue
 Subscription Revenue
268,561
199,817
34.40%
 Service Revenue
28,750
33,417
-13.97%
Total Revenue
297,311
233,234
27.47%
Cost of Goods
 Hosting Expenses
15,000
15,000
0.00%
 Customer Success
38,546
35,000
10.13%
Total COGS
53,546
50,000
7.09%
Gross Profit
243,765
183,234
33.03%
Gross Profit Margin
81.99%
78.56%
4.36%
BANK BALANCE
Total amount:110,259.12 CHF
Ethereum: 3.11 ETH Сompany currency: 6,615.54 CHF
 Swiss Franc
 Euro
 Bitcoin
 Ethereum
FORECAST
BANK ACCOUNTS
LOANS
Reference Rates
ACCOUNTING JOURNAL
RECONCILIATION
CASH FORECAST
Cash balance
Available cash
Outstanding loans
Credit line
100K
50K
0
-50K
-100K
Jun 25
Jul 25
Aug 25
Sep 25
FORECAST DETAILS
Starting cash balance
175,781
-260,295
-251,288
191,723
Financing & Investments
-352,187
-67'500
-52'555
-563'097
Interest
-2,187
0
-2,555
-13,097
Loan repayment
-350,000
0
-50,000
-550,000
Outstanding loans
100,000
450,000
450,000
500,000
Mortgage
0
350,000
350,000
400,000
Mezzanine
0
0
0
0
Bond Type 1
100,000
100,000
100,000
100,000
Total cash
17,558
26,462
41,285
41,729
Type
Amount
Description
Repayment
350,000 CHF
Semi-annual Repayment
Plan 350,000 CHF on
30.06.2025 and 31.12.2025
Interest
Payment
21,316 CHF
Interest payment for:
30.06.2025 : 91 days
* 5,700,000 CHF * 1.5%
Bank accounts
Synchronize
Export
Banks
Account number
Balance
Credit line
Deutsche Bank
DE89****2074
-70,000 EUR
-70,000 EUR
UBS
CH64****7690
-4,900 CHF
—
Raiffeisen
CH65****2064
9,000 CHF
—
Loans
Lender
Loan type
Outstanding
amount
REPORTSMaturity Date
Deutsche Bank
Mortgage
1,700,000 EUR
15.08.2025
UBS
Mortgage
5,000,000 CHF
31.12.2030
Syndicate Miller
Mezzanine loan
150,000 CHF
30.06.2027
Interest rates
Jun 25
Jul 25
Aug 25
SARON
0.203 %
0.197 %
0.198 %
SOFR (1 month)
4.315 %
4.312 %
4.311 %
EURIBOR (1 month)
2.349 %
2.149 %
1.984 %
DASHBOARDS
Reports
COMPANIES
Integrations
ACCESS MANAGER
Backups
 WORLD WIDE BANK COVERAGE
12,000+ US banks
2,000+ EU banks
Electronic Banking
Access Manager
Upload
Export
User name
Email
Granted until
Noah(FinWise)
noah@fin.ch
14.02.2025
Emilia B.(Coremint)
emi@coremint.ch
07.03.2026
Felix Meier(quickBooks)
felix@qbooks.de
18.04.2027
Leon(Urban Nest)
leon@urbannest.de
12.04.2029
Mia(Family Forge)
mia@fforge.ch
02.05.2030
LIQUIDITY FORECAST
Base Scenario
Expected Scenario
Cost Only
60K
40K
20K
0
Expected Scenario: 47,453.14 CHF
Base Scenario: 26,153.14 CHF
Cost Only: 1,196.86 CHF
-20K
Jun 25
Jul 25
Sep 25
Aug 25
KPI METRICS QUARTERLY 01.04.2024
30.06.2024 01.07.2024
30.09.2024 01.10.2024
31.12.2024 01.01.2025
31.03.2025
Cash Flow Margin
-12.85%
-1.20%
13.15%
27.08%
Gross Margin 1
89.14%
96.20%
97.97%
94.96%
Gross Margin 2
-26.04%
2.14%
-18.23%
2.86%
Liquidity Ratio 1
-117.00%
-80.00%
15.71%
20.25%
Liquidity Ratio 2
-20.00%
15.00%
107.28%
96.35%
Marketing Expenses / Turnover
8.67%
10.19%
10.23%
8.74%
Personnel Cost / Turnover
115.48%
96.17%
85.45%
82.69%
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Elevate your startup's financial
strategy with TRESIO

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YOUR SITUATION TODAY

Managing finances in a cash-constrained environment

Startups often operate with tight budgets, making effective cash management crucial.

Balancing growth aspirations with financial sustainability requires a keen understanding of your liquidity and the ability to communicate your financial health to investors.

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YOUR SOLUTION WITH TRESIO

Master your startup's finances with precision and ease

TRESIO equips startups with the tools to maintain a robust financial strategy, offering real-time insights into cash flow, scenario planning for future uncertainties, and streamlined reporting to keep stakeholders informed.

Prolong the runway of your venture and always have a plan B ready for rainy days.

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TRESIO’s core features

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LIQUIDITY PLANNING

Navigate your cash flow with confidence

Understand your cash position at any moment and forecast future scenarios with TRESIO's liquidity planning tools, ensuring you can make informed decisions and maintain financial stability.

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SCENARIO PLANNING

Prepare for the unexpected

Develop and compare various financial scenarios with TRESIO, enabling your startup to anticipate potential challenges and pivot strategies swiftly, ensuring resilience in the face of uncertainty.

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INTEGRATIONS

Centralize your financial management

TRESIO integrates seamlessly with your existing tool stack, providing a unified view of your finances, reducing manual data entry, and allowing you to focus on strategic decision-making.

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INVESTOR REPORTING

Communicate with clarity and confidence

Generate comprehensive reports effortlessly with TRESIO, providing your investors with the transparency and insights they need to stay engaged and supportive of your startup's journey. Spend your time analyzing, not gathering data.

Getting Started
with TRESIO

①

Are you ready to go? Use our self service onboarding and get started in under 5 minutes

②

Would you like to discuss your needs and get a tailored offer? Initiate a conversation and connect with our experts to discuss how TRESIO can enhance your business

③

Setup assistance: If you opt for the assisted onboarding, our team will guide you through the setup process, ensuring a smooth integration of TRESIO into your existing finance set up

④

Ready to go: For a standard SME, TRESIO is typically set up & running in < 2 hours. Our team will be happy to assist you setting up additional integrations and connecting your bank accounts

⑤

Comprehensive resources: Numerous in-app tutorial videos and articles in our academy give you the background information needed to optimize your TRESIO account

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Benefits

With TRESIO's advanced tools, manage your cash flow and runway efficiently, ensuring your startup can navigate the challenges of limited resources and seize growth opportunities.

Gain a comprehensive view of your startup's financial landscape, enabling quick access to critical data and insights for informed decision-making.

Produce detailed and insightful reports with ease, fostering trust and transparency with your investors, which is crucial for ongoing support and future funding.

Streamline your financial processes with TRESIO's integrations, saving time and reducing the complexity of managing your startup's finances.

As your startup grows, TRESIO grows with you, offering a scalable and secure platform to accommodate your evolving financial management needs.

Unlock the full potential of your business management

Become your own CFO with TRESIO

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