FinanceOS Treasury & Liquidity
Ranked in Liquidity Management Software ·No free plan on record
About
FinanceOS Treasury & Liquidity is a web finance platform that connects contracts, project progress and payments with cost, margin, forecasts and liquidity across existing ERP, accounting and banking systems. It is designed for finance organisations with several entities, banks and systems. Treasury consolidates balances and movements by currency while retaining the source of each figure. Liquidity forecasts combine bank movements, receivables and payables, with manual assumptions visible and attributable. Users can model delayed payment runs, slipped receipts and drawdowns against a base case, and calculate covenant ratios with source, headroom, status and test period. Connected systems retain posting authority; FinanceOS handles processes between them, such as approvals and reconciliations. NetSuite is its first and deepest connected system-of-record path. Access uses Microsoft Entra ID and role-based, entity-scoped controls with server-side segregation-of-duties checks. Financial records are append-only, with changes and decisions retaining the person, time and basis. Hosting is on Microsoft Azure in a European region. Pricing is available on request; package tiers are not published.
Who it is for
It suits finance teams coordinating liquidity and treasury across multiple entities, banks and systems. It is also a fit where existing ERP and accounting systems must retain posting authority.
What is good
- Consolidates cash by institution, entity and currency
- Forecasts combine bank movements, receivables and payables
- Scenarios model delayed payments, slipped receipts and drawdowns
- Microsoft Entra ID sign-in; role-based, entity-scoped access
- Append-only financial records retain change details
What to know first
- Pricing and package tiers are not published
- NetSuite is the first and deepest system-of-record path
- Certifications are not claimed
Verdict
FinanceOS adds cross-system treasury, forecasting and workflow visibility while leaving posting authority with existing systems. Buyers will need a commercial conversation to establish scope and pricing.
Compared on liquidity management software
- Multi-entity support
- Yessuite.jps-iq.com
- Bank connectivity
- Yessuite.jps-iq.com
- Cash flow forecasting
- Yessuite.jps-iq.com
- Scenario analysis
- Yessuite.jps-iq.com
- Intercompany visibility
- Yessuite.jps-iq.com
- Funding tracking
- Yessuite.jps-iq.com
Facts
- Purpose
- FinanceOS is a finance platform that sits on top of existing ERP, accounting and banking systems and connects contracts, project progress and payments with cost, margin, forecast and liquidity.suite.jps-iq.com · 30 Sept 2026
- Target users
- It is built for finance organisations with several entities, banks and systems.suite.jps-iq.com · 30 Sept 2026
- Treasury view
- Treasury provides one cash position across bank accounts, entities and currencies, with the forecast and decisions attached to it.suite.jps-iq.com · 30 Sept 2026
- Cash forecasting
- The liquidity forecast combines bank movements, receivables and payables while keeping manual assumptions visible and attributable.suite.jps-iq.com · 30 Sept 2026
- Scenarios and covenants
- The module models delayed payment runs, slipped receipts and drawdowns, and calculates covenant ratios with source, headroom, status and test period.suite.jps-iq.com · 30 Sept 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 · 30 Sept 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 · 30 Sept 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 · 30 Sept 2026
- Tenant isolation
- Tenant data is separated at the data layer with row-level security, no cross-tenant reporting path and separate development, staging, verification and production environments.suite.jps-iq.com · 30 Sept 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 · 30 Sept 2026
- Audit trail
- Financial records are append-only, and changes, approvals, rejections and overrides retain the person, time and basis.suite.jps-iq.com · 30 Sept 2026
- AI governance
- AI explains variances, prioritises work queues and prepares proposals, while approval and posting remain with authorised people.suite.jps-iq.com · 30 Sept 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 · 30 Sept 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 · 30 Sept 2026
- Support
- The vendor offers a thirty-minute conversation, with an automatic confirmation and a personal reply within one working day.suite.jps-iq.com · 30 Sept 2026
- Cash position
- Balances and movements are consolidated across institutions and entities by currency, with each figure's source retained.suite.jps-iq.com · 1 Oct 2026
- Forecasting
- Its liquidity forecast uses bank movements, receivables and payables while keeping manual assumptions visible and attributable.suite.jps-iq.com · 1 Oct 2026
- Scenarios
- Scenarios show the effects of delayed payment runs, slipped receipts or drawdowns beside the base case.suite.jps-iq.com · 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 · 1 Oct 2026
- ERP relationship
- FinanceOS sits above existing ERP and accounting systems while those systems retain posting and accounting authority.suite.jps-iq.com · 1 Oct 2026
- Systems supported
- The platform uses provider adapters for ERP and accounting systems, banking channels and document sources; NetSuite is described as its first and deepest connected system-of-record path.suite.jps-iq.com · 1 Oct 2026
- Identity
- Sign-in runs through Microsoft Entra ID and the product stores no passwords.suite.jps-iq.com · 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 · 1 Oct 2026
- Auditability
- Financial-object entries are append-only and changes, approvals, rejections and overrides record the person, time and basis.suite.jps-iq.com · 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 · 1 Oct 2026
Company
- Headquarters
- Wolfenbüttel, Germanysuite.jps-iq.com · 28 Sept 2026
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Sources
- suite.jps-iq.com/index.html· checked 30 Sept 2026
- suite.jps-iq.com/treasury.html· checked 30 Sept 2026
- suite.jps-iq.com/platform.html· checked 30 Sept 2026
- suite.jps-iq.com/systems-of-record.html· checked 30 Sept 2026
- suite.jps-iq.com/platform-security.html· checked 30 Sept 2026
- suite.jps-iq.com/product-status.html· checked 30 Sept 2026