A financial forecast your banker can read
Build a three-year financial forecast online. Income statement, monthly cash flow and balance sheet stay linked, with Word and PDF export.
7-day free trial
Protected, GDPR-compliant data
Word and PDF exports
Your report preview
Financial forecast
Included in your solution
Why use it?
Detailed month-by-month projections.
An alert when cash gets tight.
Key ratios calculated for you.
What you get
Revenue projections
Expense budget
Monthly cash flow
Performance ratios
How does a banker read a financial forecast?
A banker does not read a financial forecast to learn how much you hope to earn. They read it to measure their own risk. So they check three things first. How much you put in yourself. The lowest point your cash reaches. And your monthly repayment capacity once you have paid your costs.
Too much optimism therefore works against the author. A cash curve that never dips below zero shows that nobody calculated working capital. Customers rarely pay on the spot. Suppliers rarely extend credit at the start. And VAT can fall due before the customer pays.
With Juristelo, your financial forecast links the income statement, the cash flow plan and the balance sheet over three years. Payment terms, VAT and depreciation all count. The trough therefore appears in the right month, not three months too late.
Working capital is the item founders underestimate most often. It is the money tied up between paying suppliers and collecting from customers. A profitable company can therefore run short of cash while growing, precisely because it sells more. A monthly financial forecast makes that gap visible.
A good forecast also lives on after the loan. Compare actuals with the projection every month. You then spot a variance before it hits your cash. Juristelo sets those figures side by side in one dashboard.
From idea to actionable document
Describe your project
Follow the guided process
Review and export
Frequently asked questions
- Negative cash: what now?
- Do not hide it: show the trough and the remedy. Three levers exist, best combined. Increase your own contribution. Negotiate a credit line sized on the low point. Or ask for a deposit on order to shorten customer payment terms. A file that names its weak spot inspires more confidence than a smooth one.
- How do you build a 3-year balance sheet forecast?
- Start from revenue and cost assumptions. Derive the income statement from them. Then carry the balances into the balance sheet: depreciated fixed assets, inventory, receivables, payables and cash. Juristelo chains the three statements with no re-entry.
- Financial forecast or financial plan: what is the difference?
- The substance stays the same: projected figures. In Belgium, the financial plan is the document a notary requires when you set up a company. The financial forecast mainly serves to convince a bank or steer a running company.
- Is a financial forecast enough for a bank loan?
- It is necessary but rarely sufficient. The banker also weighs your assumptions against the market, your own contribution and your repayment capacity. Add a business plan that explains your assumptions.
- How long does it take?
- Allow about one hour for a complete financial forecast with Juristelo. A spreadsheet built by hand often takes several days.
- Can you share the file?
- Yes. Export your tables to Word or PDF, or send your banker a temporary link.
- Can you adjust the assumptions yourself?
- Yes. Every assumption stays editable by hand. Change a price or a cost, and every table recalculates at once.
Ready to bring your project to life?
Start online now or talk to our team to choose the right solution.