Cashlab

What Cashlab does

Cashlab, operated by French SAS entity EMMAX SAS, is a SaaS treasury management and cash flow forecasting platform founded in 2015 by Benjamin Madjar, a former EY and Deloitte treasury consultant. The platform serves CFOs, Treasurers, and Financial Controllers across three tiers — SMEs (PME), mid-market companies (ETI), and large enterprises (Grands Comptes) — and is delivered as a four-module product suite covering Connectivity & Reporting (multi-bank aggregation via API, EBICS/SWIFT, or TMS), Cash Flow Management (real-time monitoring and intercompany reconciliation), Cash Forecasting (ML-based predictive forecasts with 13-week rolling views), and Financial Planning (dual direct/indirect budgeting and multi-entity scenario simulation). A Qualiopi-certified training program adds an adjacent revenue stream and reinforces customer onboarding. The product is available in 7 languages across approximately 20 countries and counts Pernod Ricard, Brittany Ferries, Carter Cash, Groupe Charlois, Losch, Maison Berger, Solware, Poiray, and Transports Capelle among its named enterprise and mid-market customers, with publicly cited base of 400+ active users.

The business model is 100% SaaS annual subscription, supplemented by training fees, sold through a sales-led consultative motion with 30-minute expert demos and tiered positioning by company size. Go-to-market is heavily channel-leveraged through strategic alliances with Kyriba (global treasury platform), BDO (Big-4 implementation partner), Sage XRT (TMS integration), Chift (unified ERP API), Defacto (SME financing co-marketing), and Hart Group (treasury consulting). Pricing is not publicly disclosed and is tailored per deal. Underlying technology is API-first with Open Banking connectivity, REST architecture for transaction retrieval and auto-categorization, AI-powered predictive forecasting and natural-language chart generation, and enterprise-grade security posture (ISO 27001, SOC 1, SOC 2 Type II, CSA STAR). The legal entity EMMAX SAS, registered at 1 rue des Prouvaires, 75001 Paris, operates the business without disclosed external venture or private equity backing.

Name

Cashlab

Legal name

EMMAX SAS

Website

https://cashlab.fr

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Cashlab is a French SaaS treasury management and cash flow forecasting platform serving CFOs, Treasurers, and Financial Controllers at SMEs, mid-market firms, and large enterprises across approximately 20 countries via AI-powered forecasting, multi-bank connectivity, and ERP/TMS integrations.

Ownership category

akta.pro rank

Product category

Treasury Management Software

SIC

Finance Services (6199)

akta.pro primary industry

Treasury, Cash Management & Liquidity Tools (Sweeps, Cash Concentration) (FSAGAAAG)

akta.pro secondary industries

Treasury, Cash Management & Liquidity (SME) (FSAGAJAG), Treasury Operations Support (Cash Management, Bank Reconciliations, Payments Ops) (BPAAAGAH)

Keywords

• Treasury management software
• Cash flow forecasting
• Financial planning tools
• Cash management platform
• Treasury consulting services

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. SaaS Platform Subscription: 100% SaaS platform subscription model for cash management and forecasting. The platform is available in 7 languages and serves companies across 20 countries with tiered solutions based on company size.
2. Training Programs: Cash management training programs including treasury forecasting, cash culture toolbox, and WCR optimization. Certified Qualiopi for training actions category.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Cashlab provides a 100% SaaS treasury management and cash flow forecasting platform for CFOs, Treasurers, and Financial Controllers. The platform combines four core modules — Connectivity & Reporting, Cash Flow Management, Cash Forecasting (AI-powered), and Financial Planning — enabling real-time bank data consolidation, multi-entity treasury oversight, predictive cash forecasting, and dual-method budgeting. The company also delivers Qualiopi-certified treasury training programs and consulting services.

Product overview

Cashlab is a 100% SaaS treasury management and cash flow forecasting platform designed for CFOs, Treasurers, and Financial Controllers. The platform operates as a unified platform-plus-modules architecture consisting of four core interconnected modules: Cash Flow Management (real-time monitoring and payment processing), Cash Forecasting (ML-powered predictions with 13-week rolling forecasts), Financial Planning (budget and scenario simulation with direct/indirect methods), and Connectivity & Reporting (multi-bank consolidation and financial reporting). An additional training module provides Qualiopi-certified programs. The platform supports companies from SME to Large Enterprise segments across 20 countries in 7 languages.

Differentiator

Problem solved

Functional benefit

Products and services

• Cash Flow Management

Quantifiable outcome

• 8 minutes account setup time with full bank account visibility on dashboard
• +2 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability5 records

Feature7 records

Partnerships

Six partnerships are on record, tiered core and minor.

• BDOcoreImplementation/ SI/ Consulting Partner · 1 January 2023BDO became a certified Cashlab partner to implement the Cashlab solution and optimize consulting assignments in treasury management. BDO's financial expert teams leverage Cashlab as a solid cash management tool. The partnership combines advisory expertise with Cashlab technology for a complete treasury solution.
• KyribacoreStrategic or Co-development Partner · 9 June 2021Strategic partnership with Kyriba, a global leader in cloud-based IT and financial solutions, to provide comprehensive cash management to SMEs and ETIs. Kyriba handles payment and cash management capabilities while Cashlab provides cash budget modeling and medium/long-term strategic forecasting. The partnership combines Kyriba's real-time cash visibility with Cashlab's budgeting expertise for a complete treasury solution.
• Sage XRTcoreStrategic or Co-development PartnerPartnership with Sage XRT, the benchmark TMS for SMEs and large companies. Sage XRT provides real-time connected cash management functions while Cashlab serves as the advanced budget extension module. The partnership offers finance departments comprehensive cash management from payment processing to budget forecasting.
• ChiftcoreTechnology or IntegrationIntegration partnership with Chift, a unified API provider. Chift enables Cashlab to connect with customer ERP and accounting software (general ledgers, bank ledgers, customer and supplier ledgers) in seconds. Chift's plug-and-play connectors simplify integration maintenance and offer rapid, uncomplicated connectivity.
• DefactominorGTM or Marketing PartnerMarketing partnership with Defacto, a finance company specializing in short-term financing for SMEs. Defacto recommends Cashlab for cash flow monitoring and analysis while offering flexible financing solutions to complement Cashlab's treasury management platform.
• Hart GroupminorStrategic or Co-development PartnerConsultancy partnership with Hart Group, founded by Jennifer Serfati. Hart Group provides treasury consulting services with a 360° vision approach. The partnership aligns cash culture and treasury expertise.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Kyriba: Global cloud treasury and payments incumbent and Cashlab strategic partner; competing end-to-end treasury platform with substantially larger scale and broader functionality.
• HighRadius: Large AI-powered order-to-cash and treasury automation platform serving global enterprises; overlaps on cash forecasting, working capital, and AI-driven predictions.
• Sage XRT: Established TMS offered by Sage, partnered with Cashlab as the budget extension layer; broader portfolio including ERP and accounting that competes at the suite level.

Emerging players

• Trovata: US-based cash flow reporting and forecasting SaaS targeting mid-market finance teams; comparable AI/ML forecasting thesis with API-first bank connectivity.
• Tiime: French financial management SaaS for SMEs and accountants, with adjacent cash management features serving similar CFOs and treasurers in France.
• Fygr: French treasury management SaaS targeting SMEs/ETIs, with cash flow forecasting and bank aggregation — closely comparable segment and product.

Direct peers

• Cashforce: Belgian cash flow forecasting and treasury management SaaS focused on mid-market CFOs and treasurers — direct overlap with Cashlab's forecasting and working-capital modules.
• Agicap: France-based direct competitor offering cash flow forecasting and treasury management for SMEs and mid-market companies. Closest comparable by geography, target segment, and product offering.
• DiliTrust (Viareport): European treasury and governance SaaS (formerly Viareport) offering cash management and reporting for mid-market — comparable functionality and customer profile.

Others

• BDO (advisory competitor): Global accounting/consulting network that is both a Cashlab partner and an indirect competitor offering treasury advisory services; relevant because BDO's recommendations shape buyer decisions in this segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/CashLab_fr
• YouTubeyoutube.com/channel/UCaQhgicH_sQ3lr3HddQYmgw
• LinkedInlinkedin.com/company/cashlab

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cashlab