FP&A software for groups with several entities

Where the CFO plans and the CEO decides.

Fibady is the FP&A platform for groups with several companies (or just one). Consolidate, plan and build budgets by area as a team, with permissions, roles and change control. Project cash and P&L, and analyse variances in detail, connected to your favourite AI.

Book a demo See pricing
  • Consolidated P&L and balance sheet
  • Rule-based cash flow forecasting
  • Budgets with area sign-off
  • Budget vs actual
  • Invoicing and sales
  • Metrics
  • AI agent
  • Odoo, Holded, Tango or your Excel
What is Fibady

What Fibady is, in 30 seconds

Fibady is an FP&A platform: it takes the journal entries from your ERP and turns them into the P&L, balance sheet and cash flow of each company and of the consolidated group, in any currency. On top of that you work the budget by area with your team, project cash with rules, analyse invoicing and sales, measure variances down to the account and ask the AI with your real data. It is built for groups with several companies, or one company ready to leave Excel. It is not an ERP, it does not invoice and it does not keep the books.

How it works

From your ERP to a consolidated P&L the same day

No consultants, no long implementations. If your books are in order, you see it running today.

  1. 01

    Connect your ERP or upload the journal

    Live API with Odoo, Holded, Tango, SOS Contador and EternumPRO. For everything else, the journal in CSV or Excel with converters that learn your format. Nothing to install; we never touch your books.

  2. 02

    Map your accounts once

    1 to 4 hours to map your chart of accounts to Fibady's schema. Everything after that runs on its own.

  3. 03

    Read the consolidated reports and ask the AI

    P&L, balance sheet and cash flow for each entity and the group, multi-currency, refreshed on every sync. Ready for the board, investors or your team.

Dashboard

Build your own dashboards and drag in the KPI charts you want: revenue, EBITDA, cash bridges, treemaps or gauges. Each dashboard can be private or shared with your team.

Fibady
1
Add
Revenue vs Plan and prior year
6,6MUSD
-28.9% · -2.7M vs prior year
— vs Pessimistic
EBITDA vs Plan and prior month
-1,2MUSD
-154.1% · -3.3M vs prior period
-116.7% · -8.1M vs Optimistic
Net income vs prior year
-1,3MUSD
-193.6% vs prior period
Working capital
1,1MUSD
-1.3% vs prior month
Assets · Liabilities · Equity
AssetsLiabilitiesEquity
Assets
50%
Liabilities
25%
Equity
25%
Cash bridge — indirect CF
Open bal…Oper. CF…Invest. CF…Financ. CF…Close bal
Revenue Attainment
Target amount
54%
Revenue
Income bridge
RevenueDirect co…Operatin…EBITDA
Revenue + EBITDA + EBITDA Margin %
enefebmarabrmayjunjulagosepoctnovdicenefebmarabrmayjun
Income flow
RevenueExpensesProfitOperating ExpensesDirect CostTaxesDepreciation
Income statement
Actual
01-2402-2403-2404-2405-2406-24
+Revenue1.350.4201.408.3921.456.4701.769.5511.692.0631.622.862
Sales Argentina1.350.4201.408.3921.456.4701.334.8561.289.6131.241.535
Sales Brazil434.695402.450381.327
+Direct Cost (COGS)(412.051)(423.507)(444.855)(687.271)(712.634)(669.213)
Gross margin938.369984.8851.011.6151.082.280979.429953.649
+Operating Expenses(585.000)(595.000)(620.000)(647.700)(671.210)(696.491)
EBITDA353.369389.885391.615434.580308.219257.157
Depreciation and Amortization(15.000)(15.000)(15.000)(15.000)(15.000)(15.000)
EBIT338.369374.885376.615419.580293.219242.157
+Financial Result(2.267)(2.267)(2.267)(2.267)(2.267)(2.267)
Interest Expense(2.267)(2.267)(2.267)(2.267)(2.267)(2.267)
EBT336.102372.618374.348417.313290.952239.890
Income Tax(100.831)(111.786)(112.304)(125.194)(87.286)(71.967)
Net Income235.272260.833262.044292.119203.667167.923
Balance sheet
Actual
01-2402-2403-2404-2405-2406-24
Assets3.166.5293.560.1503.978.6374.647.8794.998.1635.178.074
Current Assets2.521.5292.920.1503.343.6374.017.8794.368.1634.558.074
Cash and equivalents401.615724.9751.067.2671.268.1081.656.2951.968.915
Accounts Receivable2.119.9142.195.1752.276.3702.749.7702.711.8682.589.159
Inventory
Other Current Assets
Non-Current Assets645.000640.000635.000630.000630.000620.000
Property, Plant and Equipment645.000640.000635.000630.000630.000620.000
Intangible Assets
Liabilities1.231.2581.364.0461.520.4891.897.6112.044.2292.056.217
+Current Liabilities891.2581.024.0461.180.4891.557.6111.704.2291.716.217
+Non-Current Liabilities340.000340.000340.000340.000340.000340.000
Working Capital2.976.1723.184.2213.416.8594.267.3824.376.0974.255.376
+Equity1.935.2722.196.1042.458.1482.750.2672.953.9343.121.857
Control
Cash flow
Actual
01-2402-2403-2404-2405-2406-24
Opening cash balance1.385.000401.615724.9751.067.2671.268.1081.656.295
+Operating results(1.013.385)333.360347.292210.842403.187307.620
+Investing activities5.0005.0005.000
+Financing activities35.0005.000(0)(0)10.000
Net cash flow(973.385)338.360352.292210.842403.187322.620
Closing cash balance401.615724.9751.067.2671.268.1081.656.2951.968.915
Deviation from closing cash balance-2,49%-2,07%-0,94%-0,79%-0,91%-0,51%
Where does the cash come from?The three engines of your cash
Operating
The business itself
(689.672)
The business consumed operating cash during the period.
Investing
Building the future
+35.000
Net inflow from divestment during the period.
Financing
External capital
+965.000
Net inflow from external financing during the period.
Liquidity cushion
9,1months · ≈273 days
Opening balance1.385.000
Cash generated+100.328
Closing balance1.485.328
Change+7,2%
Month-by-month cash generation
enefebmarabrmayjunjulagosepoctnovdicenefebmarabrmayjun
Bank transactions
DateDescriptionAmount
28-06Customer payment — Nubex SA184.500
26-06Incoming transfer — Brazil434.695
27-06Supplier payment — Insumos del Sur-96.320
25-06June payroll-312.000
24-06Tax payment — VAT-71.967
20-06Bank fees-2.267
18-06Customer collection — Distribuidora RP156.120
12-06Services payment · rent-43.180
118/124 movements reconciled
Treasury position
Cash in banks
1.968.915
Inflows (Jun)+619.195
Outflows (Jun)-482.554
Net flow+136.641
Galicia ARS842.310
Santander USD918.240
BBVA ARS208.365
Net cash flow · last 6 months
Issued invoices
Total invoiced
1.622.862
Net amount
1.341.208
VAT
281.654
Outstanding amount
2.589.159
CustomerAmountStatus
Nubex SA184.500Pending
Distribuidora RP156.120Pending
Comercial Andes96.750Paid
Vialde SRL128.400Pending
Grupo Litoral212.300Overdue · 17d
Tecno Sur74.980Overdue · 23d
Ferretería Norte143.750Pending
AgroSemillas SA98.640Paid
Receivables aging
Current
1.284.400
1–30 days
792.870
31–60 days
328.909
60+ days
182.980
Add
KPIS01-2402-2403-2404-2405-2406-24
Revenue growth
View formula
4%3%21%(4%)(4%)
Gross margin
View formula
69%70%69%61%58%59%
Contribution margin
View formula
69%70%69%61%58%59%
EBITDA margin
View formula
26%28%27%25%18%16%
Current assets / Total assets
View formula
86%88%89%90%91%92%
Non-current assets / Total assets
View formula
14%12%11%10%9%8%
Cash / Total assets
View formula
10%16%27%29%33%36%
Working capital / Total assets
View formula
32%30%29%27%26%24%
Cash autonomy (months)
View formula
0,61,11,72,02,42,7
Cash / Short-term debt
View formula
10,0x18,1x26,7x31,7x41,4x49,2x
Operating working capital / Revenue (LTM)
View formula
93%86%78%72%68%63%
Net debt / EBITDA
View formula
(0,3x)(0,9x)(1,4x)(1,7x)(2,1x)(2,4x)
Receivables turnover (days)
View formula
383637353433
Select a Driver to preview the chart.
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Type a message…
AI Reports
cfo-report_01KKFA…_2024-01_2024-03_en.md
CFO Report — Autopiezas S.A. (USD)
Period: 2024-01 to 2024-03 · Business: Auto parts sales (Argentina and Brazil)

1) Executive summary

  • Revenue grew steadily: USD 1.46m in March (+3.41% MoM) from USD 1.35m in January.
  • Solid, stable gross margin: USD 1.01m in March; gross margin % ~69.5% (on March revenue).
  • Stable EBITDA: USD 391.6k in March (vs USD 389.9k in February, +0.44% MoM).
  • Profitability compression from OPEX: operating expenses rise to USD 620k in March, pressuring the bottom line despite sales growth.
  • Positive, stable net income: USD 262.0k in March (+0.46% MoM).
  • Cash recovers strongly: USD 1.07m at the end of March (+47.21% MoM), after the low of USD 401.6k in January.
  • Risk signal in reconciliation: the system flags that cash flow does not reconcile (control flag in January, February and March).
  • Working capital deteriorates: USD 1.26m (Jan) → USD 1.14m (Mar), driven by more growth in operating liabilities and/or current assets.
  • Receivables high and growing: USD 1.76m in March (+3.51% MoM), with a material impact on cash.
  • Low leverage vs cash: short-term bank debt USD 40k and long-term debt USD 340k; cash exceeds debt (negative net debt).

2) P&L

2.1 Revenue and mix

March 2024: USD 1.46m (+3.41% MoM). Visible mix (detail loaded only for Argentina):

  • Sales Argentina B2B: USD 1.12m (+3.53% MoM)
  • Sales Argentina B2C: USD 336k (+3.03% MoM)
  • Categories for Brazil exist in the tree, but with no amounts loaded for the period; the mix is limited to what is reported.
2.2 COGS and margin
  • COGS March: USD 444.9k (-5.04% MoM; higher cost)
  • Gross margin March: USD 1.01m · gross margin %: +69.45%
  • The rise in COGS in March outpaces revenue growth: monitor pricing and purchasing terms.
2.3 OPEX (operating expenses)

OPEX March: USD 620k (-4.20% MoM; higher spend). Main line items (January):

  • Gross salaries B2B Argentina: USD 146.1k · Payroll taxes B2B: USD 56.4k
  • Gross salaries B2C Argentina: USD 42.9k · Marketing/digital advertising: ~USD 40.0k
  • Office rent: USD 30.0k · Commercial expenses/events/travel: USD 60.0k
2.4 EBITDA / EBIT / net income
Month 2024RevenueEBITDA% EBITDAEBITNet% Net
2024-011,35 m353,4 k+26,17%338,4 k235,3 k+17,42%
2024-021,41 m389,9 k+27,69%374,9 k260,8 k+18,52%
2024-031,46 m391,6 k+26,89%376,6 k262,0 k+17,99%

Stable financial result (~USD -2.3k/month). Income tax March: USD -112.3k. No variances vs Budget/Forecast: no budget loaded.

3) Balance sheet

3.1 Liquidity and working capital
  • Cash and equivalents: USD 401.6k (Jan) → USD 725.0k (Feb) → USD 1.07m (Mar)
  • Accounts receivable: USD 1.76m (+3.51%) · Inventory: USD 482.7k (+4.69%) · Other: USD 35.0k
  • Working Capital: USD 1.14m in March (vs USD 1.21m in February, -5.82%)
3.2 Capital structure
  • Assets: USD 3.98m · Liabilities: USD 1.52m · Equity: USD 2.46m
  • Solid equity structure; asset growth tracks the operating cycle (cash and AR).
3.3 Leverage (net debt)
  • Short-term bank debt: USD 40.0k · Long-term debt: USD 340.0k · Cash: USD 1.07m
  • Approx. net debt (March): USD -687.3k (net cash position). Debt/EBITDA: n/a (monthly only).

4) Cash flow (indirect)

4.1 CFO / CFI / CFF (by month)
Month 2024CFOCFICFFΔ cashEnding cash
2024-01-1,01 m5,0 k35,0 k-973,4 k401,6 k
2024-02333,4 k5,0 k0,0 k338,4 k725,0 k
2024-03347,3 k0,0 k5,0 k352,3 k1,07 m
  • January: drain from working capital — AR (USD -1.64m) and inventory (USD -447.7k), offset by AP (USD +856.3k).
  • February and March normalize with positive CFO (collections and lower net WC consumption).
4.2 EBITDA → CFO conversion
  • March: 0.89x · February: 0.85x · January: -2.87x (distorted by WC investment)
4.3 Reconciliation and controls

The system indicates that cash flow does not reconcile (flag in Jan/Feb/Mar). With the totals shown it does tie out (March: 724,974.66 + 352,292.06 = 1,077,266.72): there is an inconsistency between the flag and the totals; requires review at the source.

5) Seasonality and trends (hypotheses)

  • Revenue: moderate and consistent MoM growth (Feb +4.29%, Mar +3.41%). Gradual commercial traction in Argentina.
  • January as an "investment" month in working capital: buildup of AR and inventory.
  • OPEX accelerating in February–March: commercial/marketing expansion and structural reinforcement.

6) Risks and opportunities

Risks (priority)
  • Data quality / control: cash flow flagged as "does not reconcile" affects liquidity decisions.
  • Collection risk: AR of USD 1.76m is the largest asset component; high sensitivity to delinquency.
  • OPEX scaling: if revenue slows, EBITDA can compress quickly.
Opportunities
  • Positive net cash position: enables negotiating with suppliers or reducing financing cost.
  • Improve EBITDA→cash conversion by focusing on collections and inventory turnover.

7) Prioritized recommendations

Next 30–60 days
  • Normalize the cash flow reconciliation control: validate system rules and category mappings.
  • Collections plan on AR (USD 1.76m): segment by aging and set weekly targets.
  • OPEX discipline: freeze non-critical hires and require a business case for marketing/events.
Next 90 days
  • Working capital policy: target EBITDA→CFO conversion ≥1.0x in normal months.
  • Pricing and mix review: recover gross margin where rising COGS applies pressure.
Next 12 months
  • Monthly performance dashboard by country/channel (revenue/COGS/OPEX per unit).
  • Financing strategy: with negative net debt, weigh keeping cash vs optimizing the structure.

8) Technical appendix

Ratios and formulas
  • Gross margin % = GROSS_MARGIN / Revenue · EBITDA margin % = EBITDA / Revenue
  • Net debt ≈ (Short-term debt + Long-term debt) − Cash · EBITDA→CFO conversion = CFO / EBITDA
Quality checks
  • Balance sheet: ties out across the three months (Assets = Liabilities + Equity).
  • Cash flow: system flags does not reconcile; with the totals presented it does reconcile.
  • Detail coverage: revenue only for Argentina B2B/B2C; Brazil with no amounts in the series.
Controls Tax Accounting
Control Center
Automatic validations to know whether your reports tie out and are reliable.

Each card runs an accounting-financial invariant over the loaded months. If any appears in red or amber, there is something in the data that could distort your reports.

Tolerance ±1%
OK
Debit = Credit in the general journal
Σ Debit = Σ Credit over the period
0unbalanced entries
Tolerance ±0.01 per entry · global check
View unbalanced entries
OK
Unclassified GL accounts
Unclassified GL accounts are left out of the P&L and the Balance sheet.
All classified
Classify now →
NO DATA
Unclassified bank transactions
Unclassified bank transactions are left out of the Direct Cash Flow.
No data — nothing to check for now
Classify now →
A=P+PN±R OK
Accounting equation
Assets = Liabilities + Equity + Income
31
pass
0
deviation ±1%
0
error > ±1%
View month-by-month detail
OK
Indirect Cash Flow vs book balance of cash
Calculated ending cash (CFI) = book balance of cash
31
pass
0
deviation ±1%
0
error > ±1%
View month-by-month detail
The agent, live

Give it a task. Watch it work.

Talk to the Fibady Agent and hand it a task. Ask, and watch it clear the manual work while you win back time for what really matters: deciding.

Fibady's engine does the maths; the AI explains, compares and writes, and never invents a figure.

Drag it anywhere Ask in plain language Works in the background
AS
Autopiezas S.A.
Jan/24 – Jun/25
USD
GOD
文A
1
MainLiquidityCommercialCEO DashboardMarketing
ManageLibraryAdd
Revenue vs Plan and prior year
6,6M USD
-28.9% · -2.7M vs prior year
— vs Pessimistic
EBITDA vs Plan and prior month
-1,2 M USD
-154.1% · -3.3M vs prior period
-116.7% · -8.1M vs Optimistic
Net income vs prior year
-1,3 M USD
-193.6% vs prior period
Working capital
1,1M USD
-1.3% vs prior month
Assets · Liabilities · Equity
AssetsLiabilitiesEquity
Assets 50%
25%
25%
Cash bridge — indirect CF
1,39M-690k+35k+965k1,49M
BalanceOp. CFInv. CFFin. CFFinal
Revenue AttainmentTarget amount
54%Revenue
Income bridge
+24,0M-8,8M-14,0M1,15M
Rev.CostOpExEBITDA
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Top overdue invoices
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Real cases

Groups already closing with Fibady

Logistics group · Spain

13 entities, over €100M revenue. The CFO took Fibady to the management committee; today the CEOs and COOs of all 13 companies check their own numbers.

Finance advisory firm · Spain

Several clients in one account. Tried other FP&A tools and kept Fibady; the cost is absorbed in its fee.

Oil & gas distributor · Spain

3 entities. Monthly group reporting delivered by an external CFO, with no Excel in between.

Pharmaceutical laboratory · Argentina

Integration with its local ERP and invoicing analysis with sales-commission calculation.

See Fibady in action

Multi-entity consolidation in under 3 minutes

Short demos from our YouTube channel. See how finance teams connect their ERP, consolidate multiple entities and generate board-ready reports live.

ERP integrations

Connect the ERP you already use

Live API with Odoo, Holded, Tango, SOS Contador and EternumPRO: data syncs on its own after the first mapping. Any other ERP (SAP, Sage, A3, QuickBooks, Xero, NetSuite, Contabilium…) via journal upload in Excel or CSV: column mapping resolves itself and, if not, the AI proposes it. Want a native API for your system? We build it for a one-off fee.

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Business Central
Sage 200 ES
Sage 50 FR
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Sage Génération Experts
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Sage 200 ES
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Sevdesk by Cegid

See all integrations · Can't find your ERP? · Request an integration ·

Who's behind

Founders with craft, not just pitch

Fibady is built by people who lived the month-end close from the inside: a former CFO who consolidated eight companies in Excel, a CTO with over ten years building SaaS, and a LATAM lead who walks every customer through implementation.

Santiago Viglione — CEO & Cofounder

Santiago Viglione

CEO & Cofounder

Former CFO at nsign.tv and a Family Office. Corporate Controller at Win Systems. Ex-Auditor at PwC. 15+ years in FP&A. MBA from UdeSA, CPA from UBA. Builds Fibady because he lived the pain of monthly close firsthand.

Alex Toro — CTO & Cofounder

Alex Toro

CTO & Cofounder

Software engineer and product architect. 10+ years building scalable SaaS platforms. Leads engineering, AI and the ERP and bank integrations that make Fibady run like clockwork.

Mauro Ferreiro — Growth LATAM

Mauro Ferreiro

Growth LATAM

Leads Fibady's expansion across Latin America. Walks every customer from first contact to adoption with real impact on their monthly close.

Pricing

One price. Per company. All included.

No plans to compare, no modules to add up. You pay for each entity you connect and you get all of Fibady: reporting, consolidation, cash flow, budgets, metrics, dashboards, unlimited users and the AI agent.

Taxes not included · No commitment on monthly billing

Everything included

Fibady

For companies and groups of up to 10 entities, with every module and user included from day one.

US$ 167US$ 200per company / per month

US$ 2,000 per year per company · two months free and onboarding waived in full

Onboarding included

  • Real multi-entity consolidation
  • P&L, balance sheet and cash flow (direct and indirect) with infinite levels
  • Budgets by department, multi-user, signed off by the owner
  • Projected cash flow with rules and drivers
  • Multi-dimensional analytical accounts (branch, business unit, project)
  • Invoicing, collections and payments tracking
  • Library of your own metrics and KPIs
  • Dashboards and charts by role
  • AI agent: chat on your data, operates the platform under your permissions, executive reports to Word and PDF
  • Excel with live formulas: export exactly what you see
  • Live API with Odoo, Holded, Tango, SOS Contador and EternumPRO; any other ERP via Excel or CSV with converters and AI-assisted mapping
  • Native multi-currency
  • Unlimited users, permissions and roles

Groups plan

More than 10 entities? Let's talk. For groups of 10 to 60 entities we agree on price, a phased rollout and team support.

Custom

same product, no stripped-down “enterprise” edition

  • Everything in Fibady
  • Decreasing per-company price from the 11th onwards
  • Partner programme with recurring commission
  • Dedicated implementation and onboarding
  • Annual or multi-year contract with a locked price
  • Centralized billing for the group or the client portfolio
  • Custom connectors for corporate ERPs (SAP, Oracle, NetSuite)

Price per connected company (legal entity). No user or transaction limits. Taxes not included.

Frequently asked questions

What people ask us before getting started

The essentials in five answers. The full detail lives on the FAQ page.

Still have questions?

Book a 30-minute demo and we will walk through it live.

Book a demo

Fibady is FP&A software for groups with several legal entities. It connects to your ERP and produces the P&L, balance sheet and cash flow of each entity and of the consolidated group, with budgets, metrics and an AI agent. It is not an ERP, it does not invoice and it does not keep the books.

See all questions
Get started today

See your group consolidated this week

In 30 minutes we connect your ERP (or a test file) and you see your own numbers. Nothing to install, no lock-in.

Financiación ENISA — Empresa Nacional de Innovación