Every variance, color-coded.
Actual against budget month by month, with each line's variance and attainment.
Fibady holds the group's annual budget by entity and by area (sales, operations, people, marketing), compares it automatically with the actuals coming from the ERP and explains every variance down to the account. Each area owner loads and follows their part; the CFO and CEO see the whole.
How is the budget loaded?
From Excel with Fibady's template, by copying last year with adjustments, or line by line. The structure is the same as the P&L, so actual and budget compare with no extra mapping. You can keep several versions (approved budget, quarterly forecast) and compare between them.
How do I build a forecast with AI?
Fibady builds forecasts two ways: with simple rules — sales +5% a month, costs like last year — or with AI from your history, which proposes the figures for you to review line by line before saving. Forecasts live in financial plans that bring P&L, balance sheet and cash together in one model, and once a plan is approved you lock it so nobody changes it by mistake.
Can area owners take part?
Yes, and that is how our customers use it: the COO loads operations, HR loads people, the CEO reviews and signs off. Each area has an owner and the sign-off is recorded in Fibady. Permissions are per company, module and page (81 keys in the role editor), so everyone sees their own and the right people see the consolidated view. A signed budget stays frozen until someone with permission revokes the sign-off.
How do I explain budget variances to the management committee?
With Management control, Fibady's plan vs. actual comparison of any two series: actual vs plan, plan vs plan or plan vs actual. Actuals compare on their own, with variances by line, area, business unit, company or group. On the accounting side you see the P&L, the balance sheet and the bridge from profit to cash, which explains why the cash variance is not the profit variance; on the bank side, direct cash flow of one series against another. And two views: Detail, for the controller, and Summary, for management, with a headline, the waterfall, the top 10 variances and the month-by-month variance. The starting figures are those of financial reporting, already checked by the Control Center.
Can I plan headcount and its cost?
Yes: Fibady's People module holds headcount with total employer cost per person, the org chart by area and manager, and hiring, raise and leaver scenarios attached to a plan, with monthly, annualised and payback impact. It is planning and cost, not payroll. It is a sensitive page: its permissions are never granted by a blanket rule. It was built with the HR team of a customer with 13 entities.
How Fibady does it
- Budget by entity, area and account, with versions, an owner per area and recorded sign-off
- Automatic actual vs budget and vs forecast, absolute and percentage variance by line, area, business unit, company or group
- Financial plans with P&L, balance sheet and cash; lock the approved plan
- 1:1 rule: an accounting entry never counts in two budgets; the app flags collisions as you build
- Sign-off and revocation: a signed budget is frozen
- Projection rules with 6 methods and "why this number?" on every cell; AI forecast from history, reviewed before saving
- Management control: two-series comparison, profit-to-cash bridge, Detail and Summary views (headline, waterfall, top 10 variances, month-by-month variance)
- Multi-user with area permissions; review and approval flow
- Dynamic metrics linked to Google Sheets (customers, ARPA, price × quantity)
- People: headcount with employer cost, org chart and hiring, raise and leaver scenarios with monthly impact on the plan
Fibady connects to more than 25 ERPs, with a live API for Odoo, Holded, Tango, SOS Contador and EternumPRO; if your ERP has no connector, you export the journal to Excel and Fibady adapts it, or you use the API. If you are comparing with a dedicated planning tool, see Fibady vs Cube.