Pietra Randivo processes your company's historical and current cash flows to report unused liquidity and propose allocation scenarios with a declared degree of risk.
Many small and medium-sized businesses maintain cash reserves greater than their actual operational exposure requires. This surplus does not generate direct accounting losses, but involves an opportunity cost that is rarely rigorously quantified.
The problem is not the absence of data: it is the difficulty of transforming it into verifiable decisions. Manually updated spreadsheets, forecasts based on historical averages and quarterly reviews leave wide margins for error precisely at the moments when liquidity should be reallocated.
Each module processes real data from your company and produces traceable outputs, not generic industry estimates.
The models analyze historical series of collections, payments and operational seasonality to estimate the liquidity available in the following 30, 60 and 90 days, with explicit confidence intervals.
Each proposed allocation scenario is accompanied by a risk indicator calculated on historical volatility and minimum liquidity constraints defined together with the company.
Incoming data is processed on a daily basis and returned in structured reports, eliminating the need for periodic manual consolidations.
The Pietra Randivo dashboard shows the status of allocated liquidity with a daily update, not with monthly or quarterly summaries that arrive at a decision that has already expired.
Each report includes the calculation methodology applied, so that the company can independently verify the consistency between the input data and the results presented.
The startup process is designed to require limited operational effort from internal staff.
Secure connection to company current accounts and any management software, for importing cash flow history.
The system is calibrated on the specific constraints of the company: minimum operating liquidity, seasonality of revenues and declared risk tolerance.
Allocation recommendations become operational and are monitored daily through the reporting dashboard.
Direct answers to the issues that companies most often raise before integrating their financial data.
Data is encrypted in transit and at rest. Access to accounts is managed via read-only connections, which do not allow the platform to arrange funds or execute transactions on behalf of the company.
Data processing follows the principles set out in the GDPR, including the minimization of the information collected and the possibility for the company to request the export or deletion of its data at any time.
Read-only access to company current accounts or periodic export of data from the management software already in use is sufficient. Installation of dedicated software on internal systems is not required.
Predictive models use only historical and current data provided by the company, without relying on generic industry benchmarks that may not reflect the specific situation of the company.
An initial technical analysis allows you to verify, with the real data of your company, how much liquidity is currently unallocated and with what level of risk it could be put to work.