Cash & Treasury
See the cash position before the next decision.
Recorded cash by account for each company, the receipts and payments already due, and a bank reconciliation that keeps every difference visible until it is explained.
Cash example: recorded cash, April movements and group accounts
Cash example
What is held, and how it got there.
Balances at a stated date, and the receipts and payments over the month that produced them — kept separate from what is still expected.
| Company | Balance | ||
|---|---|---|---|
| Northgate Components LtdOperating account | Operating account | £3,212,450 | |
| Northgate Components LtdCollections account | Collections account | £1,204,110 | |
| Northgate Services LtdOperating account | Operating account | £986,300 | |
| Northgate Property LtdRent account | Rent account | £545,750 | |
| Illustrative group total | Illustrative group total | £5,948,610 | |
- Recorded cash at 1 April 2027
- £5,512,340
- Receipts recorded in April
- + £2,318,900
- Payments recorded in April (suppliers, payroll and tax)
- − £1,882,630
- Recorded cash at 30 April 2027
- £5,948,610
April receipts are already inside the closing balance and are not added to it again.
Where these figures come from
- Balances are read from the bank statements and payment records held in SynqLedger, as at the date of the last statement recorded for each account.
- SynqLedger shows cash by account, bank and currency for the selected company. The group total above is an illustrative calculation, adding each company's balances together for this example; it is not a single screen in the product.
- Each balance stays with its company. A group total is not money any company can use freely; moving cash between companies is a separate, approved transfer.
- Accounts held in other currencies are reported in their own currency and are not converted without a recorded exchange rate.
- Direct bank connection is not currently available for live accounts, so the position is only as current as the last statement recorded.
Fictional example: Northgate Components Group, three UK companies, all accounts in GBP. Not customer data.
Forward view
What is due to move next month.
Amounts already owed to and by the group, set against recorded cash. Transfers between the group's own accounts do not change the total.
- Recorded group cash at 30 April 2027
- £5,948,610
- Expected customer receipts
- + £2,140,300
- Invoices falling due; assumption: paid on due date
- Supplier payments due
- − £1,392,510
- Approved supplier invoices; excludes payroll and tax
- Payroll
- − £1,246,940
- Net pay and payroll deductions due in May
- Tax
- − £486,200
- VAT and corporation tax due in May
- Transfer between the group's own accounts
- £0
- £320,000 out of Northgate Components Ltd, £320,000 into Northgate Property Ltd. No change to group cash; while in transit it is shown separately, not as a reduction.
- Expected group cash at 31 May 2027
- £4,963,260
Assumes no fees, no exchange differences and no change in the companies included.
Amounts due and assumptions
In the product: the forecast brings together amounts already recorded elsewhere in SynqLedger (customer invoices, approved supplier invoices, payroll and tax) over a horizon you choose. It is a projection, not a balance.
In this example: timing is an assumption. An invoice falling due is not a guaranteed receipt; SynqLedger does not forecast collection dates automatically, so when customers pay and when the business pays are for the finance team to judge.
Bank reconciliation
Explain the difference between bank and books.
A worked example: timing items on one side, missing entries on the other, and the amount still unresolved.
Northgate Components Ltd, collections account, at 30 April 2027. Statement balance £1,204,110; book balance £1,107,910; difference £96,200.
- Statement balance
- £1,204,110
- Deduct £118,400: payments recorded in the books but not yet cleared by the bank
- − £118,400
- Timing item
- Add £31,600: receipts recorded in the books but not yet credited by the bank
- + £31,600
- Timing item
- Adjusted balance
- £1,117,310
- Book balance
- £1,107,910
- Deduct £1,800: bank charges not yet recorded in the books
- − £1,800
- Needs an entry in the books
- Add £11,200: customer receipts shown by the bank but not yet recorded in the books
- + £11,200
- Needs an entry in the books
- Adjusted balance
- £1,117,310
After the illustrated adjustments, both balances are £1,117,310
Unresolved amount: £0
Statement lines are matched to recorded receipts and payments. Differences stay listed as timing items or as amounts to investigate until they are explained. The reconciliation itself posts nothing; the book corrections shown have not yet been posted and are recorded through the normal accounting routes.
Payments
Approving a payment is not the same as settling it.
Money in and money out follow separate steps, and each is recorded in its own right.
- Step 1
Approval
Outgoing payments are approved by authorised people before release.
- Step 2
Payment handling
Payments go out and customer receipts come in through Payment Orchestration.
- Step 3
Recorded settlement
Settlement is recorded when the bank confirms it, not when a payment is approved.
- Step 4
Accounting
The accounting entry is created by SynqLedger's accounting rules.
- Step 5
Reconciliation
Settled items are matched against the bank statement.
Available in Sandbox. Live money movement is not enabled. Payroll payment settlement and reconciliation are not yet complete. Payment Orchestration
SynqLedger Intelligence
Can answer questions such as how much cash is available, restricted or committed; why a bank balance differs from the ledger; how much facility headroom remains; and what is tying up working capital — from records the user is allowed to see. It explains and suggests; it cannot post journals, approve actions, move money or change records.
About IntelligenceBenefits
What finance teams get.
See recorded cash by company and account
Balances by account, bank and currency for each company, from the statements recorded in SynqLedger.
Understand expected receipts and payments
Amounts due from customers and to suppliers, payroll and tax, set against current cash.
Identify reconciliation differences
Timing items and missing entries are listed as amounts until explained.
Understand what is tying up cash
Receivables, payables and stock read alongside the cash position.
Connected across the platform
Related areas.
- Finance & AccountingRecorded receipts and payments post to the same general ledger.
- Management AccountingCash-flow analysis and forecasts beside the accounts.
- Working CapitalReceivables, payables and stock that hold up cash.
- Customers & RevenueCustomer invoices and receipts.
- Procurement & SpendApproved supplier invoices due for payment.
- People & PayrollPayroll obligations. Payroll payment settlement and reconciliation are not yet complete.
- Group & Multi-entityCompany results read together; company ledgers unchanged.
- Payment OrchestrationAvailable in Sandbox. Live money movement is not enabled.
See cash and treasury in action
A guided walkthrough of recorded cash, expected movements and bank reconciliation in a sandbox company.