Bank Statements Tell You What Happened. We Tell You What You Can Spend.
Raw banking PDFs and statutory accounting do not protect working capital. Mazel Grand HMS categorizes every bank inflow and outflow, unmasks silent subscription creep, reconciles merchant gateway reserves, and stress-tests your true cash runway.
Steady burn rate; healthy cash runway for organic reinvestment.
Statutory Tax Filing vs. Decision-Grade Management P&L
Why your accountant’s balance sheet is useless for weekly business decisions — and how Mazel Grand HMS bridges the financial visibility gap.
Statutory Tax Accounting
Built strictly to satisfy tax authorities and statutory filings. Tells you what happened months ago through GAAP/IFRS rules, but leaves management blind to current operational realities.
- Late Timing: Delivered 30–60 days after month-end; useless for live operational pivots.
- Arbitrary Buckets: Costs lumped into generic legal lines (e.g. "General & Administrative") with zero channel or unit visibility.
- Paper Profit vs Cash Reality: Shows paper profits from uncollected invoices while the bank account is nearing an overdraft.
- No Unit Economics: Cannot tell you your gross margin by customer cohort, SKU category, or sales rep.
Mazel Management Reporting
Built specifically for founders, CEOs, and operational leaders. Strips away legal accounting noise to give you an undisputed view of cash flow, unit economics, and operational burn.
- Live Liquidity (Direct Cash Flow): Exact cash in vs cash out reconciled with bank statements and payment processor holds.
- Granular Contribution Margins: Separates COGS, variable fulfillment, payment processing fees, and ad spend by product line.
- Stress-Tested 13-Week Cash Forecast: Shows the exact week where working capital will dip based on collection cycles.
- Executive Action Directives: Specific recommendations on vendor renegotiations, SaaS pruning, and runway defense.
The 3 Hidden Risks Bank Statements Conceal
Where operating cash quietly evaporates while headline sales numbers look healthy.
The Accrual vs. Cash Illusion (Working Capital Trap)
You invoiced €180,000 this month and booked it as revenue, but your enterprise clients pay on Net-60 terms. Your bank statement only collected €40,000, leaving payroll underfunded despite apparent profitability.
Recurring SaaS & Vendor Cost Creep
Dozens of auto-renewing subscriptions, duplicate cloud tools, and legacy agency retainers scatter across 4 credit cards. On average, we uncover €1,800 to €4,500/mo in dormant tools nobody has logged into for 90+ days.
Payment Gateway Reserve Holds & Interchange Fees
Payment gateways frequently hold 5% to 10% of gross volume in rolling reserves, while taking percentage-based processing fees per charge. These deductions rarely get categorized, artificially inflating gross margin estimates.
What You Receive in Your Financial Intelligence Briefing
Mathematical clarity engineered for founders, CEOs, and CFOs to defend runway and make unshakeable investment decisions.
Management P&L & Cash Flow Deck
An undisputed, single-page executive overview: real net operational cash generated, true gross margin after merchant fees and refunds, and fixed vs variable cost ratios.
The 13-Week Direct Cash Flow Rolling Model
A week-by-week forward looking cash projection accounting for payroll cycles, VAT payments, inventory restocking deposits, and expected invoice collection lag.
Vendor & Subscription Rationalization Audit
Line-by-line categorization of every bank outflow over the last 6–12 months, highlighting duplicate software tools, price hikes from vendors, and immediate savings opportunities.
Department & Service Line Margin Matrix
Breakdown of profitability by business division, service tier, or commercial contract, showing where margin is produced vs where it is consumed by overhead.
Ready to secure crystal-clear financial control?
Upload your bank statement exports, gateway transaction logs, or accounting ledger. We categorize, reconcile, and deliver your complete management P&L and 13-week runway forecast within 5–7 business days.
- ✓ Full categorization of up to 5,000 banking & payment transactions
- ✓ Direct Cash Flow statement & 13-week rolling liquidity model
- ✓ Vendor & recurring software subscription rationalization audit
- ✓ Fixed price of €250 (excl. VAT) · Zero hourly billable surprises
Stop discovering cash crunches the week payroll is due.
Send us your bank statement exports. We will structure your operating cash flows, model your real survival runway, and give you an undisputed view of unit profitability.