Cash Flow Calculatorfor Romanian entrepreneurs in Belgium
Quickly calculate how much money comes in, goes out, and whether your business stays positive each month.
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🟡 NeutralWhat is cash flow and why does it matter?
Cash flow reflects the real movement of money in your business. Unlike profit, which is an accounting concept, cash flow shows whether you have enough money available to pay bills, salaries, and suppliers on time. Monthly cash flow monitoring helps you make better financial decisions and avoid liquidity problems.
Inflows
Money coming into the business: sales, collected receivables, capital contributions, or other income sources.
Expenses
Money leaving the business: rent, salaries, suppliers, taxes, loans, and operational costs.
Net balance
The difference between inflows and expenses. A positive balance means healthy liquidity.
🧮 Cash Flow Calculator
📅 Period and initial balance
How much was in the account at the start of the month
💰 Inflows (money coming in)
Invoices collected from clients
Outstanding amounts received from debtors
Subsidies, interest, miscellaneous income
Money invested by you or partners
VAT collected on issued invoices (optional)
📤 Expenses (money going out)
Office, warehouse, registered address
Gross employee salaries
ONSS, employer contributions
Accountant fees
Electricity, water, internet
Advertising, Google Ads, social media
Fuel, lease, maintenance
Licenses, SaaS, tools
Product purchases for resale
Loan repayments
Income tax, local taxes
VAT owed to the state
Any other money going out
📊 Results
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Formula: Cash Flow = Inflows − Expenses
🔬 Financial stress scenario
Simulate unfavorable situations to see how your cash flow would be affected.
Stress scenario parameters
Cost increase +10%
Normal
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Stress
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Revenue decrease -15%
Normal
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Stress
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Delayed receivables
Normal
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Stress
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📈 Chart visualization
Fill in the fields above to see the charts.
💡 Smart recommendations
Your cash flow looks good! Here's how to maximize the advantage:
Build an emergency reserve
Set aside the equivalent of 3 months of fixed expenses in a separate account.
Reinvest wisely
Allocate surplus to marketing, equipment, or professional development to grow the business.
Analyze investment ROI
Measure the return on each expense to optimize budget allocation.