Real-time financial risk visibility across every counterparty and debt obligation

Financial risk management in corporate treasury covers the processes finance teams use to monitor, measure, and control exposure to counterparty default and debt obligations. In practice, this means tracking who owes you money and how reliably they pay (counterparty risk), alongside managing what you owe banks — loans, credit lines, leasing agreements — and verifying that charges match agreed terms (debt risk). For growing companies with multiple entities, the challenge multiplies: the same counterparty may behave differently across subsidiaries, and debt instruments spread across banks without a consolidated view. Effective risk management replaces month-end discovery with real-time visibility. Ask us in your demo how this works in practice.

Embat connects bidirectionally with major ERPs including SAP, Oracle NetSuite, Microsoft Dynamics 365, and Sage Intacct. Counterparty records, invoice data, and payment terms sync automatically. Fields sourced from the ERP are read-only in Embat to prevent data conflicts. Debt instruments integrate through banking connections and sync GL postings back to your ERP. Standard connectors deploy in 2-3 weeks for major ERPs, and your team continues using the ERP normally during setup.

Tracking counterparty risk across a group requires consolidating payment behaviour data from every entity into one view. The key is calculating DSO and DPO from actual paid invoices — not contractual terms — so you see how each client and supplier truly behaves. Aging buckets should update continuously, and deviations from historical patterns should trigger alerts before balances become overdue. Embat centralises counterparty profiles from your ERP, calculates these metrics automatically across all entities, and flags deterioration in real time. Finance teams using this approach reduce overdue receivables by 22% on average and catch payment delays 10–15 days earlier.

Automating amortisation schedules means replacing the "master debt Excel" with a platform that generates schedules, tracks variable rate resets (EURIBOR, €STR), and recalculates outstanding periods automatically when new rates arrive. The real value comes when each bank charge reconciles against the schedule instantly — discrepancies between what was agreed and what the bank actually charges surface without manual investigation. Embat supports fixed and variable rate instruments, imports custom schedules from Excel, and posts GL entries automatically, splitting principal, interest, and tax across configured accounts. All obligations feed directly into cash flow forecasts in real time.

A well-designed integration is bidirectional: counterparty records, invoice data, and payment terms flow from the ERP into the risk management platform, while reconciliation results, GL postings, and updated payment statuses sync back automatically. Fields sourced from the ERP should be read-only to prevent data conflicts. Embat connects with SAP, Oracle NetSuite, Microsoft Dynamics 365, Sage Intacct, and 20+ other systems through pre-built connectors that deploy in 2–3 weeks. Debt instruments integrate through direct banking connections, and your team continues working normally during setup.

Contractual DSO assumes every client pays on the date their terms specify — 30, 60, or 90 days. Actual DSO measures when invoices are really paid, based on historical settlement data. The gap between the two is where liquidity surprises live: a forecast built on contractual terms shows cash arriving on day 30, but the client consistently pays on day 45. That 15-day gap, multiplied across your client base, creates invisible liquidity shortfalls. Embat calculates DSO from actual paid invoices and TellMe enriches cash flow forecasts with real payment patterns, closing the gap between what you expect and what actually happens.