Working capital & cash
Ten assumptions are enough: the normative WCR, the monthly projection, the low point and the action levers update instantly.
Your assumptions
Normative WCR (days of revenue)
41.8 d
Normative WCR (euros)
€68,712
Cash low point
No low point — cash grows throughout the projection
Cash absorbed by growth
€6,871
Working-capital sensitivity (DSO × DPO)
| DSO (customer days) \ DPO (supplier days) | 35 d | 45 d | 55 d |
|---|---|---|---|
| 40 d | €59,671 | €52,274 | €44,877 |
| 50 d | €76,110 | €68,712 | €61,315 |
| 60 d | €92,548 | €85,151 | €77,753 |
Impact on normative working capital in euros for a ±10-day change in customer (DSO) and supplier (DPO) payment terms, all else equal. The highlighted cell is your current situation.
Action levers
- 1 less day of receivables
- €1,644 / day
- 1 less day of inventory
- €493 / day
- 1 more day of payables
- €740 / day
12-month cash projection
| Month | Invoiced revenue | Collections | Disbursements | End-of-month cash |
|---|---|---|---|---|
| Month 1 | €50,000 | €49,212 | €43,812 | €25,400 |
| Month 2 | €50,399 | €49,604 | €44,122 | €30,883 |
| Month 3 | €50,801 | €50,000 | €44,434 | €36,449 |
| Month 4 | €51,206 | €50,399 | €44,748 | €42,100 |
| Month 5 | €51,614 | €50,801 | €45,065 | €47,836 |
| Month 6 | €52,026 | €51,206 | €45,384 | €53,657 |
| Month 7 | €52,440 | €51,614 | €45,706 | €59,565 |
| Month 8 | €52,859 | €52,026 | €46,031 | €65,559 |
| Month 9 | €53,280 | €52,440 | €46,358 | €71,641 |
| Month 10 | €53,705 | €52,859 | €46,688 | €77,812 |
| Month 11 | €54,133 | €53,280 | €47,020 | €84,071 |
| Month 12 | €54,565 | €53,705 | €47,356 | €90,421 |
Simplified model: flows excl. VAT, lags rounded to the month, linear costs. The highlighted month is the low point.
Reading the diagnosis
- Low point in month 0: only about 12 days of revenue in reserve — one late payment is enough to cause an overdraft.
- Scissors effect: planned growth (10%) will absorb about €6,871 of cash into the WCR. Finance it upfront.
- Order of magnitude: gaining 10 days of receivables represents about €16,438 of cash freed on an annual run-rate.
- Favourable trajectory: final cash at €90,421, never negative over the 12 months.
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Indicative educational analysis based on your assumptions — neither an accounting engagement nor personalised advice. Sector references are public indicative medians. Your data stays in your browser unless you are signed in.
Methodology
Normative WCR via revenue-weighted turnover days (DSO + weighted inventory days − weighted DPO). Monthly projection with collection/payment lags rounded to the month, flows excl. VAT, costs disbursed linearly — inventory changes are captured by the normative WCR, not the monthly flows.
Sources: Banque de France — FIBEN sector ratios · INSEE Ésane · French payment-terms observatory.