Firmeza Contávega — financial data analysis panel in a business environment
Predictive capital analysis

The capital that is parked in the cash account is now analyzed every day by predictive models.

Firmeza Contávega collects real-time market data, cross-references it with your company's liquidity profile and returns allocation recommendations with quantified risk, without requiring a minimum deposit.

Analyze my capital See methodology
Illustrative simulationPT · EUR
Available liquidity€42,300
Recommended horizon30–90 days
Assigned risk levelBass
Model updateEvery 15 min

Values for demonstration purposes only, without correspondence to actual or guaranteed performance.

Context

Money in a cash account loses purchasing power while the decision to move it is postponed.

Most SMEs in Portugal keep cash surpluses in current accounts as a precaution, not as an informed choice. The problem is rarely a lack of capital: it is the lack of time and tools to monitor markets that change at the minute and safely decide where to allocate this surplus without compromising the liquidity of the business.

Firmeza Contávega was built to treat this surplus as input into a decision system, and not as a forgotten balance on a bank statement.

0% is, on average, the income that capital parked in a cash account generates on its own — regardless of the amount in question.
Methodology

How the model transforms scattered data into concrete decisions

The process follows three sequential steps. Each step produces a verifiable output, so the final recommendation can be audited and is not a closed box.

01 · Collection

Data ingestion

The system aggregates money market indicators, reference rates, historical liquidity series and the pattern of movements in the company's account, updating the data set at short and regular intervals.

02 · Modeling

Forecasting and weighting

Statistical models trained on time series estimate short and medium-term scenarios, assigning probabilities to different return and liquidity risk trajectories.

03 · Mitigation

Risk control

Before any recommendation is presented, the system applies exposure limits defined by company profile, rejecting scenarios that compromise the minimum liquidity necessary for daily operations.

Money Market Rates Cash flow history PT/EU macroeconomic indicators Seasonal treasury pattern Short-term volatility
Access

No minimum deposit: the model works with the amount the company has available.

Many cash management solutions require input amounts that exclude smaller businesses. At Firmeza Contávega, the same analysis engine that handles larger portfolios is applied to any amount of idle capital, only adjusting the scale of recommendations.

See all benefits
€0

minimum amount required to begin receiving analysis and allocation recommendations.

Applicable to accounts of any size, from micro-companies to SMEs with consolidated treasury.

Indicators

How information is organized

Data is presented in compact modules, with numerical values aligned for quick reading. The table below illustrates the comparative structure used in the reports delivered to the company.

Modality Access liquidity Reassessment frequency Risk profile
Cash account Immediate No reassessment Null
Fixed term deposit Conditioned At maturity Bass
Firmeza Contávega — dynamic allocation D+1 to D+2 Every 15 min Low to moderate, by choice
Model continuously reevaluated during market hours Illustrative structure of the methodology — does not constitute a yield table

Liquidity and frequency values describe the functioning of the system, not financial returns. No profitability is guaranteed and past performance is not indicative of future results.

Practical applications

Where the model is used in the company's day-to-day activities

Two common situations in small and medium-sized Portuguese companies illustrate how analysis is translated into concrete action.

Scenario 01

Seasonal treasury optimization

A company with revenues concentrated in certain months maintains cash surpluses outside of periods of greatest expense. The model identifies these intervals based on the movement history and proposes allocation windows that respect the expected dates for payments to suppliers and salaries.

Expected result Capital remains available before each critical date, without the need for emergency withdrawals.
Scenario 02

Coverage against rate variations

Companies exposed to variable financing costs benefit from monitoring changes in reference rates. The system signals relevant changes in the market environment and adjusts the allocation recommendation to reduce the exposure of idle capital to these movements.

Expected result Treasury decisions aligned with the rate context rather than reacting to it late.
Next step

Start by describing the liquidity available in your company

The initial registration collects basic information about the treasury profile and returns a first reading of the model. No deposit is required to access the initial analysis.

Start registration

Estimated filling time: less than 15 minutes