Treasury optimization with AI
Cume Investex analyzes your company's cash flow in real time and suggests capital allocations based on predictive models, not intuition.
Dashboard preview: consolidated cash flow, idle capital alerts and recommendations classified by risk, updated daily.
The problem
Many SMEs in Portugal maintain cash reserves greater than necessary due to a lack of time to analyze them, not a lack of opportunities. The cost does not appear on an invoice, but it reduces the return accumulated over the years.
Financial data scattered across bank accounts, ERP and spreadsheets makes it difficult to have a single view of available capital.
Allocation decisions are postponed due to management's lack of time, not due to a lack of interest in optimizing.
Without external references, it is difficult to assess whether an investment decision was really good or just lucky.
Too many indicators without prioritization leads to inaction, even when there is clear scope for optimization.
How the technology works
No unnecessary technical jargon: each functionality exists to solve a concrete step in the financial decision process.
Secure connection to your accounts and financial systems to identify, in real time, the amount of capital that remains tied up beyond what is needed for operations.
Algorithms trained on historical market series estimate allocation scenarios adjusted to the risk profile defined by the company, without generic recommendations.
Each allocation suggestion is accompanied by the data that justifies it, allowing the logic to be validated before any decision is executed.
Automatic notifications when the available balance exceeds the defined operational limit, preventing capital from being forgotten in a current account.
Test different time horizons and risk levels before committing capital, with projections based on data rather than assumptions.
All recommendations and respective results are recorded chronologically, allowing you to review past decisions with full traceability.
Methodology
The process follows a linear sequence, without shortcuts, so that each recommendation is traceable to its origin.
Connection to bank accounts, ERP and accounting records to consolidate the real treasury position.
Statistical models identify cash consumption patterns and estimate available surplus capital.
The system proposes investment options classified by risk, term and expected return, with documented logic.
The performance of each decision is monitored and compared with the initial forecast, feeding the public record.
Transparency
Instead of isolated projections, we publish the history of recommendations and the actual results obtained, reviewed by users who follow the same strategies.
| Allocation Profile | Horizon | Registered recommendations | State |
|---|---|---|---|
| Conservative | 3–6 months | Published | In follow-up |
| Moderate | 6–12 months | Published | In follow-up |
| Dynamic | 12–24 months | Published | In follow-up |
Each line of the record corresponds to a real recommendation, with the date of issue and the subsequent result, available for consultation by platform users.
About the platform
Cume Investex was designed for managers of small and medium-sized companies who need to decide on the destination of available capital without hiring an internal financial analysis team.
The system does not replace the manager's final decision: it organizes information, applies predictive models and presents documented alternatives, so that the choice is made based on evidence.
FAQ
We have gathered the most asked questions by those considering using the Cume Investex for the first time.
No. Treasury data is only used to generate your account recommendations and is not shared with other companies on the platform.
It's not necessary. Recommendations include justification of the underlying data, allowing the final decision to be made with sufficient context, even without advanced financial training.
Each published recommendation includes date, risk profile and observed outcome. Users who followed the same strategy can confirm the values through their own account history.
The connection is made through connectors to banks and common accounting systems in Portugal. During initial setup, we confirm compatibility with your specific system.
The recommendations always indicate the level of liquidity associated with each option, so that the allocated capital remains accessible within the deadlines defined by the company itself.
The initial analysis shows the amount of treasury available for optimization, without commitment to immediate allocation.
No credit card required for the initial treasury analysis.