Finance

Cash and bank, cash flow plan, budgets with commitments, loans and covenants, management consolidation, built on the figures from Business or Accounting.

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Finance runs an organization's corporate finance: the bank and its reconciliation, the cash flow plan, budgets per cost centre with their commitments, loans and their covenants, and a management consolidation. It does not keep the accounts. For each company, it reads the trial balance and the open invoices from Business or from Accounting, through their MCP endpoint and with a read-only agent token. Each read is a dated snapshot that no longer changes, and Finance never writes into these products.

Bank statements arrive as CSV, OFX or CAMT.053 files, with no duplicates from one import to the next. A movement is reconciled with an open invoice, a planned flow, a loan instalment or a supporting document, and the same document can be reconciled with several movements. The cash flow plan, by week or by month, takes the bank for the past and the forecast for the future: entered or recurring flows, open invoices, loan instalments, approved commitments. Scenarios vary the amounts and customer delays.

Budgets are kept per cost centre and budget line, over twelve months. A commitment requested and then approved by another finance officer reserves its amount; invoices consume it, and once it is closed, the remainder returns to the envelope. Monitoring compares the allocation, the commitments and the actuals read from the trial balances, including to date. Loans give their repayment schedule, and their covenants are tested on the latest trial balance. Consolidation adds up the companies of a scope according to their method and percentage, with eliminations entered by hand or suggested from the invoices between companies, to be accepted one by one.

The Projects module, the former Budget application merged into Finance on 7 November 2026, keeps project and investment budgets: sections and lines costed by formula, option groups compared as cards, “what if” scenarios. Purchase orders and supplier invoices are attached to the lines and reconciled there. Budgets are imported from Excel, and a database from the Etre Budget desktop application can be taken over in one go. These project budgets are kept apart from the cost centre budgets: a project order does not yet become a commitment.

Finance is a web application, with Etrebil single sign-on and three roles: member, finance officer and administrator. A finance officer does not approve their own commitment request. AI agents connect to it through the MCP protocol, with the rights of the person whose token they carry, and important changes are announced to Workflows. No compliance is claimed: the ratios are management approximations and the consolidation is not a statutory consolidation. There is no desktop application and no Android application.

Every feature of Finance

102 features in 14 areas

Sources

Companies followed, each with a code and a currency; each one takes its accounting figures from Business, from Accounting or from no product.
A connection gives the address of the product's MCP endpoint and a read-only agent token, created on the Etrebil portal; the token is encrypted and never read back.
With Business, each read states which company it is about, since Business holds several.
Two reads per company: the trial balance for a period and the open invoices.
Each read is a dated snapshot that the database refuses to modify; an incomplete read, due to a limit of the source product, says so.
Management trial balance: expense and income accounts give the movements of the period, balance sheet accounts their closing balance when the product provides it.
A company with no source product gets its trial balance from a CSV file.
Currency rates entered by hand; the latest rate known at the date is used for conversions.
Calls to the source products only go to etrebil.com addresses, over https, with no redirection and no internal address.
Finance never writes into Business or Accounting.

Cash and bank

Bank accounts per company, with the IBAN checked against its check digits, the currency and an opening balance at the end of a given day.
Statement import in CSV (columns recognised from the header, separator and number format guessed), in OFX (versions 1 and 2) and in CAMT.053.
A fingerprint per line prevents duplicates from one import to the next; a statement whose IBAN or currency contradicts the account is refused.
An imported movement cannot be modified; an import can be withdrawn as long as nothing in it is reconciled. Movements can also be entered by hand.
Reconciliation of a movement with an open invoice, a planned flow, a loan instalment or a supporting document entered by hand.
One movement can settle several items, and the same document (invoice, planned flow, instalment) can be reconciled with several movements when it is paid in several parts.
A transfer that pays several invoices is reconciled with all of them at once: Finance suggests the groups of invoices whose total matches exactly, or you tick the invoices yourself.
Ranked suggestions: exact amount to the cent, number read in the label, name of the third party, closeness of the due date.
“Reconcile what is certain” keeps only certainties: exact amount and number in the label, or the only candidate for that amount.
Today's position per account and in total, converted into the reference currency.

Forecasts

Cash flow plan by week (13 by default) or by month (12).
The past is the bank, the future is the forecast: the plan starts from bank movements up to yesterday, then adds the planned flows from today onwards.
Planned flows: entered with a probability, recurring, unreconciled open invoices from the latest read, loan instalments, unconsumed remainder of approved commitments.
An overdue unpaid invoice enters the plan a few days after today, according to the setting (7 days by default).
A flow paid in several movements remains planned for what is still to be paid.
Scenarios: coefficients on receipts and on payments, customer delay in days.
Alert when a week or a month falls below the set threshold.
CSV and PDF export of the cash flow plan.

Budgets and management control

Cost centres, which can be nested, and budget lines defined by account prefixes; the most precise prefix wins.
Twelve-month budgets per cost centre and budget line, entered or copied from another budget with a coefficient.
An approved budget is frozen, in the database too, and only goes back to draft if it commits nothing.
Accounting actuals per budget line and per month, read from the monthly trial balances of the source products.
Budget to date: the budget of only the months whose trial balance has been retrieved, month by month as it was entered, compared with the actuals of those same months.
Investment lines, on balance sheet accounts, are followed through their commitments.
CSV and PDF export of budget monitoring.

Budget commitments

Each envelope, a cost centre and a budget line within a budget, receives an allocated amount: the initial one, plus transfers received, minus transfers given.
A member requests a commitment with its reference and can cancel the request; while pending, the commitment uses up nothing.
A finance officer approves or refuses the request. Once approved, the commitment reserves its amount, the invoices charged to it consume it, and once closed, what it did not consume returns to the envelope.
Available = allocated − open commitments − consumed.
An approval that exceeds the available amount is refused, or accepted and flagged if the setting allows it.
Four eyes: a finance officer does not approve their own request; only an administrator can.
Transfers between envelopes, never beyond the available amount.
Two simultaneous approvals do not consume the same available amount: the second is replayed on the updated budget.
Commitment code such as ENG-2026-001, with an adjustable prefix.

Financing and covenants

Loans with constant instalments, constant capital repayment or bullet repayment, with a deferral period and insurance.
Repayment schedule calculated, never stored, and outstanding capital.
Proportional periodic rate: this is neither the APR nor the bank's schedule, with which it should be compared.
Covenants tested on the latest trial balance: net debt to EBITDA, gearing, equity ratio, interest cover; EBITDA is annualised.
Instalments enter the cash flow plan and are reconciled with bank movements.

Consolidation

Scopes: the companies, their ownership percentage and their method, full consolidation, proportional consolidation or equity method.
Closing rate and average rate for each company in a foreign currency; the translation difference goes to equity.
Elimination entries made by hand.
Intragroup eliminations suggested from the open invoices between companies of the scope: an invoice from one company whose third party is another company of the scope. They are accepted one by one.
The invoice is also looked for at the other company. Between two currencies, the difference between the two converted sides is suggested as an exchange difference; in the same currency, it is flagged.
Reciprocal accounts compared in the trial balances (one company's sales and the other's purchases, a loan and a borrowing, interest): the smaller balance is suggested for elimination and the gap is flagged.
Consolidated trial balance with the contribution of each company, minority interests and a balance check.
Nothing is eliminated automatically: not the shares, not internal margins, not a suggestion that has not been accepted.
Management consolidation: no compliance with French ANC regulation 2020-01 or with IFRS is claimed.

Projects

Project and investment budgets by year, arranged in sections with a category, a strategy and a colour; next year's budget is created from an existing one.
Lines costed by formula, for example (1500+2000)/12, with supplier, planned date and depreciation over a period; an invalid formula is flagged in its cell.
Groups of competing options, only one of which counts in the total, compared in a card view; “what if” scenarios to try a hypothesis without touching the budget.
Purchase orders and supplier invoices attached to the budget lines, invoices reconciled with the order lines, with their PDF shown next to the form.
Budgets imported from Excel, and takeover of a database from the Etre Budget desktop application, all at once or nothing if there is an error.
This is the former Budget application, merged into Finance on 7 November 2026: its screens are under /projets, in the same database, with the same sign-on and the same licence.

Dashboard

Today's cash and the low point over the next thirteen weeks.
Movements to reconcile, commitments to approve, envelopes over budget, covenants not met.
Indicators per company: revenue, EBITDA, net result, equity, net debt, cash, working capital requirement, customer payment period.
These figures are management approximations read from the classes of the chart of accounts, not closed accounts.

Team, roles and settings

Single sign-on with your Etrebil account; each organization sees only its own data, which the database also guarantees.
Members of the organization appear on their first visit; the first one in, and the owners and administrators of the Etrebil organization, are administrators by default, the others start as members.
Three roles: member, who sees everything and requests commitments; finance officer, who runs cash, forecasts, budgets, financing and consolidation, and approves other people's requests; administrator, who also manages connections, roles and settings.
An administrator suspends or restores a colleague; the organization always keeps one active administrator.
Without a license, or once suspended, one can only consult; the database refuses it too.
The database refuses to modify the log, snapshots, imported movements, transfers, consumptions and an approved budget.
Settings: reference currency, commitment code prefix, blocking overrun or not, date gap allowed for reconciliation, postponement of overdue invoices, cash alert threshold.
An administrator exports the organization's data as SQL.

AI agents and Workflows

MCP endpoint and REST API for the same tools, with the rights of the person whose token the agent carries, no more and no less.
Nine read tools: cash position and cash flow plan, movements to reconcile, budget monitoring, commitments, loans, covenant test, consolidation, indicators.
Eight read tools in the Projects module: project budgets, sections, orders, invoices and search.
Four write tools: request a commitment, approve a commitment, enter a planned flow, reconcile automatically; a read-only token cannot use them.
The tools go through the same services as the pages: same rights, same four-eyes rule.
Announces to Workflows imported statements, approved budgets and commitments requested, approved, refused or closed.
An “API and MCP” page in the application describes the tools.

Tutorials

Declare a company.
Open a bank account.
Read the plan and forecast a flow.
Prepare a budget.
Request a commitment.
The tutorials guide you step by step on the application's screens.

On your devices

Web: the complete application, with single sign-on, license and data on the server.
Works in a browser, with nothing to install.
No desktop application and no Android application for now.

Good to know

Finance does not keep the accounts: matching invoices with payments is still done in Business or in Accounting.
Business and Accounting return at most 100 invoices per read, without paging: a read beyond that is flagged as incomplete.
Business does not yet have a tool for purchase orders: a commitment is not created from an order, it is entered with its reference.
Accounting does not publish its cost accounting: actuals per cost centre are not read from it.
No automatic bank aggregation (PSD2), on purpose: it is a regulated activity. Statements arrive as files.
No financial advice is given and no chartered accountant has reviewed the rules. Repayment schedules should be checked against the bank's offer.
In the PDF export, a label too long for its column is cut; the CSV export keeps everything.
The pages have been opened in a browser, on the development machine and online after single sign-on; the phone layout and the tutorials remain to be checked.
No read has been made against a real Business or a real Accounting: only against simulated products, in the tests.
An order in the Projects module does not yet become a commitment on an envelope: project budgets and cost centre budgets are kept apart.