What's the difference between the financial, accounting and management views?

The financial view shows what came in and went out of the accounts and what's coming due; it explains the balance. The accounting view shows revenue and expenses on an accrual basis and the balance sheet, including non-cash entries. The management view breaks results down by the dimensions you manage by, such as unit and cost center, and can compare against the budget.

Where does the data come from, and how often is it updated?

From banks (Open Banking and direct integrations), the ERP, tax documents and, when integrated, accounting data. Updates follow each source: with Open Banking, on every account read; ERP and files, as the integration allows. Every report shows when it was last updated.

Can I see what makes up a KPI?

Yes. The total opens by category, company or unit and down to the entries behind it, as far as the source record the integration brings: the bank transaction, the invoice or the ERP payable or receivable. Entries under review are flagged.

How does the cash forecast work?

It starts from the actual balance, adds the payables and receivables already booked and the recurring expenses, and uses assumptions for what isn't an entry yet. When a sale is invoiced it leaves the estimate and comes in as a receivable, so it never counts twice. It's an estimate, not a guarantee.

Can I compare scenarios and forecast vs. actual?

Yes. You change assumptions, such as a client paying late or a new hire, and compare against the base case. Each period's forecast is compared with the actuals to revise the next assumptions. The available scenarios are defined during implementation.

How does the multi-entity view work?

The group's companies and accounts share the same category structure, with filters by CNPJ (Brazilian tax ID), unit and period and navigation from the group down to the unit. The group total is a management sum, with no intercompany eliminations. For accounting firms and BPOs, clients appear side by side, without adding up independent companies.

Do the reports follow my chart of accounts and cost centers?

Yes. Categorization uses your categories, accounts and cost centers, and the reports use the same structure. In groups, standardizing the structure across companies is what makes them comparable.

Can I share analyses with clients and managers?

Yes. You pick the KPIs for each audience, add comments and export to PDF or Excel. Scheduled delivery and role-based access depend on the contracted scope.

Is there export, BI integration and white label?

There's export to PDF, Excel and OFX, entries sent to the ERP and data access through the API, which is how you bring the numbers into a BI tool. The platform is available as white label for platforms, accounting firms and BPOs.

Reporting and analytics

The problem

Every system shows one piece.Deciding means rebuilding the whole.

The data exists: in the bank, the ERP, the books, the budget spreadsheet. What's missing is the link between a management question and the numbers that answer it.

01
Profit went up. Why did cash go down?
Today: Three reports from three systems, cross-checked by hand.
To answer it, you need
- Accrual-basis P&L
- Actual receipts and payments
- Open receivables
- Capex and debt
02
How much cash does the group have today?
Today: One bank at a time, added up in a spreadsheet.
To answer it, you need
- Balances of every account
- Company and CNPJ (Brazilian tax ID) of each account
- What is credit line and what is balance
03
Will we run short of cash in the coming weeks?
Today: A forecast rebuilt on every request, with no idea what changed.
To answer it, you need
- Payables and receivables
- Recurring expenses
- Assumptions for what isn't booked yet
04
Which unit drove expenses up?
Today: Each company categorizes its own way; the comparison never adds up.
To answer it, you need
- Entries by cost center
- The same category structure across companies
- Month-over-month comparison
05
What do I bring to the partners' meeting?
Today: The same report rebuilt for every audience.
To answer it, you need
- Period KPIs
- Comparisons
- Context and next steps

Financial management

Cash and commitments.In one view.

Balances by account and institution, actual inflows and outflows, payables and receivables and the due-date calendar, by category and cost center. Select a category to see the entries behind the amount.

Bank balance

Position at Nov 6, 8:40 AM

R$2.05M

Itaú · Checking accountMeridiano ServiçosR$812K
Santander · Checking accountMeridiano TecnologiaR$498K
Itaú · Investment accountMeridiano TecnologiaR$310K
Bradesco · Checking accountMeridiano ServiçosR$264K
Banco do Brasil · Checking accountMeridiano ParticipaçõesR$96K
Sicredi · Checking accountMeridiano Serviços · NiteróiR$70K

Available credit lineR$300K

Not in the total: it's credit, not your own funds.

Booked obligations

Due dates · next 4 weeks

ReceivablePayable

Nov 7–13Week net +R$190K
510
320
Nov 14–20Week net −R$440K
340
780
Payroll and taxes in the same week
Nov 21–27Week net +R$440K
650
210
Nov 28–Dec 4Week net +R$450K
600
150

R$210K in overdue receivables · 3 invoicesThey stay as receivables. They don't count toward the balance.

R$ thousands

Outflows by category · October vs. September

Cash basis · R$ thousands

OctoberSeptember

Entries behind the amount

Service providers · R$330K

Oct 10 · Building maintenanceNiterói unitR$62K
Oct 4 · Outsourced cleaningNiterói unitR$48.2K
Oct 22 · Building maintenance · 2nd installmentNiterói unitR$41K
Oct 15 · IT consultingMeridiano TecnologiaR$38.5K
14 other entriesR$140.3K

Reconciled Transactions read from the bank and reconciled.

Meridiano GroupOctober 2026Updated Nov 6, 2026, 8:40 AMSample data.

An expense that grew
Service providers rose 26% over September, with 3 of the 4 largest entries at the Niterói unit.
A late receipt
R$210K across 3 invoices past due and not yet collected. They stay as receivables, not as balance.
A tight week
From Nov 14 to 20, scheduled payments exceed receipts by R$440K.

Actual Bank balance: what's in the accounts right now, read from the bank.
Booked Booked obligations: payables and receivables already recorded, with a due date.
Forecast Forecast amounts: estimates for what isn't an invoice yet. They live in the cash forecast.

Accounting and management analysis

Results beyond the balance.Profit, equity and units.

A company can close the month with a profit and still watch cash fall. Three views explain why: accrual-basis results, the balance sheet and management analysis by unit and cost center.

P&L · October vs. September

Accrual basis · R$ thousands

P&L · October vs. September
Line item	Oct	Sep	Chg.
Gross revenue	1,980	1,860	+6%
Deductions and sales taxes	−180	−170	+6%
Net revenue	1,800	1,690	+7%
Cost of services	−720	−692	+4%
Gross profit	1,080	998	+8%
Operating expenses	−612	−590	+4%
Operating income	468	408	+15%
Net financial result	−36	−34	+6%
Income taxes (IR and CSLL)	−96	−89	+8%
Net income	336	285	+18%

How net income builds up · October

Net revenue1,800
Costs−720
Expenses−612
Financial−36
Income taxes−96
Net income336

TotalAdds (+)Subtracts (−)R$ thousands

From net income to cash · October

Balance at Sep 30: R$2.14M. Balance at Oct 31: R$2.09M.

R$336K in profit. R$50K less in cash.

Net income336
Depreciation (non-cash)+24
Increase in receivables−210
Increase in payables+100
Equipment purchases−180
Loan repayment−120
Change in cash−50

TotalAdds (+)Subtracts (−)R$ thousands

Meridiano GroupAll companiesOctober 2026Sample data.

Accounting P&L
Revenue and expenses on an accrual basis, in the chart of accounts, including non-cash entries such as depreciation and provisions.
Management report
The same result broken down by the dimensions you manage by: unit, cost center, project. It can compare against the budget.
Cash flow
What came in and went out of the accounts, on the date it moved. It explains the balance, not the profit.

The P&L and management views are built on your chart of accounts and cost centers. The balance sheet and its ratios depend on accounting data being integrated; coverage is confirmed in the demo.

Forecasts and scenarios

Today's decisions.In the cash of the weeks ahead.

The forecast starts from the actual balance and adds what's already booked: payables and receivables, recurring expenses and assumptions for what isn't an entry yet. On top of it, change an assumption and see where cash responds.

Cash balance · Meridiano Group

Weekly · R$ thousands

ActualForecast · base caseForecast · alternative scenario

Below the minimum on Dec 18: R$734K, short by R$266K.Assumption driving the change: Client Delta pays 30 days late (−R$480K on that date).

Sample data. A forecast is not a guarantee.

Alternative scenario assumptions

Client Delta pays 30 days lateR$480K expected on Nov 25 moves to Dec 25.
6 new hires in NovemberR$96K more on the payroll paid on Dec 5.
Supplier Beta agrees to 30 more daysR$150K due Dec 18 moves to Jan 15.

Base vs. alternative

Comparison between the base case and the alternative scenario
	Base	Alternative
Lowest balance	R$1.31M	R$734K
Balance on Dec 31	R$1.54M	R$1.44M

How the forecast is built.From today's balance to Dec 31.

Each line says whether it's an actual balance, a booked invoice or an assumption. When actuals come in, they replace the estimate and the variance is logged for the next review.

Scenarios you can test

Late receipts
Rising costs
Hiring and investments
New payment terms
Sales above or below forecast

Actual balance on Nov 6 ActualBalances read from the connected accountsR$2.05M
Receivables due by Dec 31 BookedBooked in the ERP, with a due date+R$2.10M
Sales not yet invoiced AssumptionAssumption: 3-month average, minus what's already invoiced+R$620K
Payables due by Dec 31 BookedBooked in the ERP, with a due date−R$1.46M
Recurring expenses BookedPayroll, 13th-month salary, rent and contracts−R$1.42M
Estimated taxes AssumptionAssumption: average rate on forecast billing−R$350K
Forecast balance on Dec 31 · base caseR$1.54M

Once a sale is invoiced it leaves the estimate and comes in as a receivable: the same receipt never counts twice.

The forecast is an estimate based on the data and the assumptions provided, not a guarantee. Horizon, granularity (daily, weekly or monthly) and the available scenarios are set during implementation.

Multi-entity

From group to company.From company to unit.

Navigate from the group total down to the unit and the makeup of each KPI, with filters by CNPJ (Brazilian tax ID), unit and period. Standardized categories and cost centers let you compare companies side by side.

CNPJ: allUnit: allPeriod: October 2026

Unit

Niterói unit

Operating income: R$34K
Net revenue: R$420K

7% of the group's operating income

What makes up the result

Net revenue420
Cost of services−190
Building maintenance−103
Administrative staff−58
Occupancy−35
Operating income34

R$ thousands

Sample data.

One view of the group's companies and accounts.
Filters by CNPJ, unit and period.
Companies compared on the same category structure.
Each unit's contribution to the total.

The group total is a management sum: it applies no intercompany eliminations or accounting consolidation adjustments.

Role-based access (who sees which company) is configured according to the contracted scope.

Where the numbers come from

Open the KPI.See what's behind it.

Every number tells you where it came from, which criterion it used and when it was updated. Open the total down to the category, the entry and the source record, and see what's still under review.

Source
Categorization
Reconciliation
KPI breakdown
Analysis

Actual
Transaction read from the bank and reconciled.
Under review
Read, but with a pending category or document.
Forecast
An estimate from the cash forecast. It hasn't happened yet.

Projections aren't reconciled transactions: they always appear apart from actuals.
Accounting reports include non-cash entries such as depreciation and provisions.

The drill-down to the source record goes as far as the integration brings the data: bank transaction, tax document, ERP payable or receivable.

Artificial intelligence

AI prepares the data.Your team reviews and decides.

Openi's AI works before the report: it categorizes entries from history, suggests reconciliation matches and flags exceptions. Every suggestion comes with the evidence behind it, and anything not yet reviewed shows in the report as under review.

Meet Openi's AI

Categorization from history
Category, GL account and cost center suggested from the entries your team has already approved.
Exceptions up front
Payment with no invoice, unusual amount, new counterparty: they go to review, not straight into the report.
No black box
Each suggestion shows why it was made. A person on your team approves it.

Category suggestion

Oct 28 · Pix sent · Eletro Serviços Ltda · R$12,400.00

Proposal

Service providers · Niterói · Maintenance

Evidence

9 earlier payments to the same supplier with this category
Same cost center as September's payments
No linked invoice so far

Awaiting review

Sample data.

Advisory reports

Numbers that start a conversation.With managers, partners and clients.

Pick the KPIs that matter to each audience, compare with the prior period and add the context only your team has. The report organizes the reading in three levels.

The right KPIs for each audience.
Comparisons and trends over the period.
Comments, highlights and next steps written by your team.
Export to PDF and Excel.

Scheduled delivery, targets and alerts depend on the contracted scope and are confirmed in the demo.

Meridiano Group partners

October review

Prepared by the controller's office

1What changed
Net income
R$336K
+18% vs. September
Cash in the month
−R$50K
From R$2.14M to R$2.09M
2Which numbers explain it
- R$210K of receipts expected in October are still open (3 invoices).
- R$180K in equipment and R$120K in loan repayment left cash without touching the month's income.
- Outflows to service providers grew 26%; R$103K in building maintenance at the Niterói unit.
3What needs attention
- Nov 14–20: scheduled payments R$440K above receipts.
- If Client Delta pays 30 days late, the balance drops below the minimum on Dec 18.

Customization and white label

Analysis in your structure.And under your brand.

Reports follow your company's categories, accounts and cost centers. For platforms, accounting firms and BPOs, Openi is available as white label: your client sees your brand.

Your company's own categories, accounts and dimensions.
Different views for management, partners and clients.
KPIs and reports configured during implementation.
White label with the visual identity of whoever delivers.

Customizing structure and brand isn't the same as building dashboards from scratch: Openi isn't a free-form BI tool. For that, the data can flow through the API to your own tool.

Every company, unit and entry, with pending items.

Controller's office

October review

Prepared by the controller's office

1What changed
Net income
R$336K
+18% vs. September
Cash in the month
−R$50K
From R$2.14M to R$2.09M

1 entry under review Electrical services · Niterói · R$12.4K

Sample data.

Integrations

The sources behind the analysis.And where it goes next.

Each source adds part of the picture. Updates follow the source: Open Banking on every account read, the ERP and files as the integration allows, always after processing.

See integrations and coverage

Sources

BanksOpen Banking (European and Brazilian banks) and direct integrationsBalances and transactions
ERPs and finance systemsDepending on the integrationPayables and receivables, chart of accounts, cost centers
Tax documentsInvoice capture and issuingInvoices, taxes and tax payment slips
Accounting dataDepending on the integrationNon-cash entries

Organized data

Categorization
Reconciliation

One account structure for every source

Reports and destinations

Reports in the platformFinancial, accounting, management
ExportPDF, Excel and OFX
ERPEntries and settlements
APIFor BI and in-house systems

Categorization Reconciliation ERP integration and workflows

Cases

Data that supports management.In practice.

Three operations with different kinds of complexity: many accounts, many companies, many revenue streams.

See all cases

Education

A daily cash flow across 30 connected accounts

30 accounts
Open Finance
Categorization
MXM

Read the full story

Complexity: Tuition paid by boleto (Brazilian bank slip), card and Pix (Brazil's instant payments) into several accounts; payroll and suppliers in others.
Data brought together: 30 accounts through Brazil's Open Finance, categorized by revenue stream, cost center and payment group.
Visibility: A daily cash flow that used to arrive up to 30 days late.
Process improved: Reporting module with scenarios by expense type and cost center; export to PDF, Excel, OFX and the MXM ERP.

Proven results

less operational work every month: 60 h
accounts connected through Brazil's Open Finance: 30
cash flow scenarios automated: 3+

FAQ

Before you sign up.Scope, sources and limits.

Didn't find what you were looking for?

Talk to a specialist and get your answer straight from our team.

Talk to a specialist

Cash position by account and institution, inflows and outflows by category and cost center, payables and receivables, P&L and results by unit, cash forecast and scenarios. The balance sheet and its ratios depend on integrated accounting data. The exact set is defined with you during implementation.

Demo

See your numbersconnected to how you manage.

Talk to Openi about your data sources, the reports you need and how you track the operation today.

You leave your details
It takes less than a minute.
A specialist gets in touch
To understand your banks, your ERP and what takes up the most time today.
You see Openi at work
Reconciliation, categorization and reporting in cases like yours.

Understand your results.Get ahead of your cash.

Every system shows one piece.Deciding means rebuilding the whole.

Profit went up. Why did cash go down?

How much cash does the group have today?

Will we run short of cash in the coming weeks?

Which unit drove expenses up?

What do I bring to the partners' meeting?

Cash and commitments.In one view.

An expense that grew

A late receipt

A tight week

Results beyond the balance.Profit, equity and units.

Accounting P&L

Management report

Cash flow

Today's decisions.In the cash of the weeks ahead.

How the forecast is built.From today's balance to Dec 31.

From group to company.From company to unit.

Open the KPI.See what's behind it.

AI prepares the data.Your team reviews and decides.

Categorization from history

Exceptions up front

No black box

Numbers that start a conversation.With managers, partners and clients.

Analysis in your structure.And under your brand.

The sources behind the analysis.And where it goes next.

Data that supports management.In practice.

A daily cash flow across 30 connected accounts

Before you sign up.Scope, sources and limits.

Which reports and KPIs are available?

What's the difference between the financial, accounting and management views?

Where does the data come from, and how often is it updated?

Can I see what makes up a KPI?

How does the cash forecast work?

Can I compare scenarios and forecast vs. actual?

How does the multi-entity view work?

Do the reports follow my chart of accounts and cost centers?

Can I share analyses with clients and managers?

Is there export, BI integration and white label?

See your numbersconnected to how you manage.