Q-TREM / Cash visibility & forecasting

Meet your new Analyst. An AI assistant embedded in your treasury platform.

It analyzes cash positions, forecasts liquidity, evaluates scenarios, explains risks and helps finance and treasury teams make better decisions every day.

  • Analyze cash
  • Forecast liquidity
  • Evaluate scenarios

Q-TREM / For CFOs and treasury

Ask your treasury a question. Get a decision-ready answer.

Q-TREM’s embedded AI Assistant works on live cash, liquidity, FX and forecast data — so you move from data to decisions faster.

  • Ask naturally
  • See the evidence
  • Move to action

Ask Q-TREM

Your Finance team just got an AI analyst

Ask questions in plain language and get answers grounded in live cash, forecast and FX data — inside the treasury workspace. No separate AI tool. No exported data.

  • Ask

    Ask natural treasury questions such as “Summarize this week's liquidity position, major forecast changes, FX risks, and actions for the executive team”

  • Understand

    Get answers connected to cash balances, forecasts, FX exposures, scenarios and assumptions.

  • Decide

    Identify risks earlier, evaluate scenarios faster and support better CFO conversations.

Natural language in. Treasury decision out.

Q-TREM / What we provide

What we provide

One platform across connectivity, visibility, forecasting, FX, dashboards and AI.

  1. Connectivity

    Automated upload of transactions. A self-service wizard guides you.

    Features

  2. Cash Visibility

    Know your drivers for change. Follow external bank balances, trapped cash and cash pools.

    Features

  3. Forecasting

    Run and compare multiple forecast scenarios to recommend the best fit.

    Features

  4. FX Reporting

    Combine cash forecasting with foreign exchange risk reporting in one go.

    Features

  5. Dashboarding

    Build and visualize your KPIs, with multiple charts, graphs and drill-downs.

    Features

  6. AI — Ask Q-TREM

    Ask the embedded model to test scenarios and show liquidity impact.

    Features

Q-TREM provides AI powered intelligence.

Q-TREM / Key features

Key features

Connectivity

  • Scheduling & automation
  • Multiple templates for uploads
  • Bank statements MT 940/942
  • Bank statements CAMT 053/052
  • Transactional data from TMS applications
  • AR/AP – ERP transactions
  • Currency exchange rates
  • Loans / Deposits
  • Audit trail with transactional log
  • Error resolution with immediate feedback
  • APIs / FTPs

Cash Visibility

  • See drivers for change
  • Where are my cash balances held
  • Review change by bank, region, business unit, currency or cash pool
  • Follow external bank balances and trapped cash
  • Visualization of internal AR/AP in cash pools
  • See limit utilization and unused credit facilities
  • Transparently presented in charts & dashboards

Forecasting

  • Update forecasts as frequently as desired
  • Run & compare multiple forecasts
  • Combine short & long term or mixed periods
  • Tailor input layouts
  • Create various forecast models
  • Define alert messaging
  • Forecast by bank, currency, pool, project or transaction type
  • Combine forecast with real FX exposure reporting
  • Sequential planning of intra-group flows

Dashboarding

  • Embedded self-service tool for building dashboards
  • Embedded, meaning constant online access
  • Build & design your own KPIs with multiple chart options or drill-down reports
  • Available on laptops, tablets or mobile phones
  • Design your own workflow process, enhancing user experience

FX Reporting

  • Advanced consolidation & breakdown of group-wide currency exposures
  • Forecasting flows in original currency at bank account level
  • True consolidated group FX exposure analysis
  • Automatic pivot table for further exposure insights
  • Central and local follow-up of hedge ratios

AI — Ask Q-TREM

  • Natural language queries
  • Forecast variance explanations
  • Cash flow insights & recommendations
  • Automated management commentary
  • Scenario analysis support
  • FX exposure insights & explanations
  • Automated report generation
  • Continuous access to new AI capabilities released during the subscription

Pricing

Professional

€ 325
user/month | billed annually1)

WHAT’S INCLUDED

  • Access to all features
  • Rights to modify & create
  • Security settings
  • Process settings
  • User permissions

1) (One user required)

Planner

€ 20
user/month | billed annually

WHAT’S INCLUDED

  • Rights to modify & create
  • Upload of data / auto scheduling
  • Input / edit forecasts
  • Dashboarding
  • Scenario modeling

Viewer

€ 10
user/month | billed annually

WHAT’S INCLUDED

  • View rights only
  • Forecasts
  • Dashboards
  • Scenario modeling

AI Ask Q-TREM

€ 250
per tenant/month | billed annually

WHAT’S INCLUDED

  • Natural language queries
  • Forecast variance explanations
  • Cash flow insights & recommendations
  • Automated management commentary
  • Scenario analysis support
  • FX exposure insights & explanations
  • Automated report generation
  • Continuous access to new AI capabilities released during the subscription period
Detailed terms

No. of Entities

€ 5
per entity/month | billed annually

AI pricing & usage terms

AI subscription

€ 250

per tenant/month

Billed annually

100,000 AI credits / month

Top-up package

€ 99

per tenant/month

Billed quarterly

50,000 AI credits / month

Included with AI

  • Treasury AI Assistant
  • Consumption monitoring
  • Usage notifications at
    75%, 90% and 100%
  • Enterprise governance controls
  • Secure AI processing

Unused credits do not roll over.

Available to all authorized users within the tenant. Prices exclude VAT and taxes.

Ask Q-TREM AI embedded

See the data. Ask the question. Understand the answer.

Q-TREM reporting view with the embedded Ask Q-TREM AI assistant summarizing cash flow by year

Visualize the process

Freedom to shape your process, effortless design all on your terms.

Visualize the process

Navigate the future

Run and compare multiple forecasts to recommend best fit, combined with FX reporting

Navigate the future

MS Azure Cloud

Q-TREM is Cloud-native and API-driven architecture built ground up in Microsoft Azure.

MS Azure Cloud architecture: source data from Banks, TMS, ERP, G/L and FP&A is uploaded, then the model is set up. Planning, Reporting / graph analysis and FX Exposure reporting form a cycle around the embedded AI model, and FX Exposure reporting feeds Visualize / Dashboards. Reporting / graph analysis Planning Embedded AI model FX Exposure reporting Visualize Dashboards Setup of model Upload source data Banks TMS ERP G/L FP&A

Q-TREM / Partners

Delivered with partners who know treasury.

Seasoned specialists who know both Q-TREM and your treasury processes.

Treasury Management SA

Swiss-based corporate treasury service provider. Implements and can manage your planning, cash visibility and exposure analysis on Q-TREM.

Visit website

KPMG Sweden

A long track record in cash management and liquidity forecasting — preferred partner for Q-TREM implementation consulting.

Visit website

Q-TREM / About us

Who we are

Treasury practitioners and technologists building a true cloud forecasting platform.

About Q-TREM

A true cloud cash forecasting solution for treasury and finance teams.

An Estonian fintech with offices in Sweden and Switzerland, founded by tech entrepreneurs, CFOs and heads of treasury.

The challenge

Cash visibility, FX volatility, exposures and forecasting uncertainty top treasury surveys year after year.

Is it a lack of process, of a solution — or both? We turn those challenges into opportunities.

Talk to us

Sweden

+46 705 862 354

Alar.Lange@q-trem.com

Switzerland

+41 79 416 18 04

Jan.Johansson@q-trem.com

Q-TREM / Schedule a live demo

See our AI assistant working on your treasury data.

A live walkthrough with one of our experts.

  • Automate your upload and follow liquidity continuously
  • Run and compare multiple scenario forecasts
  • Combine cash forecasting with FX reporting

Thank you for your interest in a live demo! A member of our team will be in touch within the next 24-48 hours to schedule a personalized demonstration at a time that is convenient for you. We look forward to assisting you and answering any questions you may have.

Something went wrong. Please email us at info@q-trem.com.

Reach out to us!

or email info@q-trem.com