{"id":22811,"date":"2026-08-25T17:04:12","date_gmt":"2026-08-25T15:04:12","guid":{"rendered":"https:\/\/inkubitstaging.wpenginepowered.com\/blog\/2026\/08\/25\/growth-needs-liquidity-more-planning-security-with-cash-flow-forecasts\/"},"modified":"2026-08-25T17:04:12","modified_gmt":"2026-08-25T15:04:12","slug":"growth-needs-liquidity-more-planning-security-with-cash-flow-forecasts","status":"publish","type":"post","link":"https:\/\/www.inkubit.com\/en\/blog\/2026\/08\/25\/growth-needs-liquidity-more-planning-security-with-cash-flow-forecasts\/","title":{"rendered":"Growth needs liquidity: More planning security with cash flow forecasts"},"content":{"rendered":"<p data-start=\"225\" data-end=\"709\">Many companies are currently experiencing a paradoxical feeling: the order backlog is growing, sales seem solid \u2013 and yet nervousness is increasing when looking at the account balance. The reason: In times of high costs, rising interest rates and general economic uncertainty, cash flow becomes critical with every incoming and outgoing payment. Ten percent of companies are already experiencing liquidity problems \u2013 and 80%* fear that the situation will worsen.  <\/p>\n<p data-start=\"711\" data-end=\"1166\">In this environment, liquidity becomes an Achilles&#8217; heel: projects that start today can stall tomorrow \u2013 because there is a lack of funds, payments arrive late or investments are not secured. In such situations, classic tools and Excel models provide at best a snapshot. What is missing are scenarios, automatic adjustments and real security when the framework conditions change from one day to the next.  <\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<div class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/div>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.inkubit.com\/en\/blog\/2026\/08\/25\/growth-needs-liquidity-more-planning-security-with-cash-flow-forecasts\/#Why_Cash_Flow_Planning_Is_Essential\" >Why Cash Flow Planning Is Essential<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.inkubit.com\/en\/blog\/2026\/08\/25\/growth-needs-liquidity-more-planning-security-with-cash-flow-forecasts\/#Cash_flow_forecasts_in_response_to_uncertainty\" >Cash flow forecasts in response to uncertainty<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.inkubit.com\/en\/blog\/2026\/08\/25\/growth-needs-liquidity-more-planning-security-with-cash-flow-forecasts\/#Step-by-step_cash_flow_forecast\" >Step-by-step cash flow forecast<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.inkubit.com\/en\/blog\/2026\/08\/25\/growth-needs-liquidity-more-planning-security-with-cash-flow-forecasts\/#Keep_basic_data_clean\" >Keep basic data clean<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.inkubit.com\/en\/blog\/2026\/08\/25\/growth-needs-liquidity-more-planning-security-with-cash-flow-forecasts\/#Define_cash_flows\" >Define cash flows<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.inkubit.com\/en\/blog\/2026\/08\/25\/growth-needs-liquidity-more-planning-security-with-cash-flow-forecasts\/#Define_forecast_periods\" >Define forecast periods<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.inkubit.com\/en\/blog\/2026\/08\/25\/growth-needs-liquidity-more-planning-security-with-cash-flow-forecasts\/#Playing_through_scenarios\" >Playing through scenarios<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.inkubit.com\/en\/blog\/2026\/08\/25\/growth-needs-liquidity-more-planning-security-with-cash-flow-forecasts\/#Visualize_results\" >Visualize results<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.inkubit.com\/en\/blog\/2026\/08\/25\/growth-needs-liquidity-more-planning-security-with-cash-flow-forecasts\/#Regular_update\" >Regular update<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.inkubit.com\/en\/blog\/2026\/08\/25\/growth-needs-liquidity-more-planning-security-with-cash-flow-forecasts\/#Strategic_added_value_for_companies\" >Strategic added value for companies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.inkubit.com\/en\/blog\/2026\/08\/25\/growth-needs-liquidity-more-planning-security-with-cash-flow-forecasts\/#Conclusion_Liquidity_is_decisive_for_growth\" >Conclusion: Liquidity is decisive for growth<\/a><\/li><\/ul><\/nav><\/div>\n<h2 data-start=\"168\" data-end=\"213\"><span class=\"ez-toc-section\" id=\"Why_Cash_Flow_Planning_Is_Essential\"><\/span>Why Cash Flow Planning Is Essential<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"215\" data-end=\"407\">Liquidity is more than a key figure \u2013 it determines the ability to act. Right now, it is becoming apparent how quickly companies stumble when they do not look into the future: <\/p>\n<ul data-start=\"409\" data-end=\"1239\">\n<li data-start=\"409\" data-end=\"608\">\n<p data-start=\"411\" data-end=\"608\"><strong data-start=\"411\" data-end=\"435\">Invisible bottlenecks<\/strong><br data-start=\"435\" data-end=\"438\"\/>On paper, sales are solid, but payments arrive late. Invoices pile up, while salaries and suppliers need to be serviced on time. <\/p>\n<\/li>\n<li data-start=\"610\" data-end=\"785\">\n<p data-start=\"612\" data-end=\"785\"><strong data-start=\"612\" data-end=\"633\">Missed opportunities<\/strong><br data-start=\"633\" data-end=\"636\"\/>A planned investment or a strategically important order cannot be launched because it is unclear whether the funds are really sufficient.<\/p>\n<\/li>\n<li data-start=\"787\" data-end=\"946\">\n<p data-start=\"789\" data-end=\"946\"><strong data-start=\"789\" data-end=\"816\">Dependence on banks<\/strong><br data-start=\"816\" data-end=\"819\"\/>Those who have no transparency about future payment flows have to take out loans at short notice \u2013 often on poor terms.<\/p>\n<\/li>\n<li data-start=\"948\" data-end=\"1108\">\n<p data-start=\"950\" data-end=\"1108\"><strong data-start=\"950\" data-end=\"983\">Error-prone Excel models<\/strong><br data-start=\"983\" data-end=\"986\"\/>Manual forecasting is labor-intensive, rarely based on real-time data, and at best provides a snapshot.<\/p>\n<\/li>\n<li data-start=\"1110\" data-end=\"1239\">\n<p data-start=\"1112\" data-end=\"1239\"><strong data-start=\"1112\" data-end=\"1149\">Reactive action instead of control<\/strong><br data-start=\"1149\" data-end=\"1152\"\/>Decisions are only made when the problem is already there \u2013 not before.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1241\" data-end=\"1489\">In this area of tension, it becomes clear that those who do not actively plan liquidity lose track and risk projects or growth strategies failing \u2013 not because the market is missing, but because the money is not available at the wrong moment.<\/p>\n<h2 data-start=\"152\" data-end=\"204\"><span class=\"ez-toc-section\" id=\"Cash_flow_forecasts_in_response_to_uncertainty\"><\/span>Cash flow forecasts in response to uncertainty<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"206\" data-end=\"619\">The central question is not <em data-start=\"239\" data-end=\"243\">whether<\/em> liquidity problems will occur, but <em data-start=\"283\" data-end=\"289\">when<\/em>. In an economic environment characterized by rising costs, geopolitical tensions and fluctuating demand, a snapshot is no longer enough. Companies need a tool that not only shows where they stand today, but also what is in store for them in the coming weeks and months.  <\/p>\n<p data-start=\"621\" data-end=\"987\">This is exactly what cash flow forecasts do: they connect existing financial data with future cash flows and make it visible when bottlenecks arise or when leeway becomes free. Instead of making decisions blindly, executives are given a basis to hedge investments, negotiate credit lines or strategically manage payments. <\/p>\n<p>This transparency becomes particularly valuable when scenarios can be played out:<\/p>\n<p><em data-start=\"1076\" data-end=\"1250\">What happens if a major customer pays later?<br \/>\nHow does a planned investment affect liquidity?<br \/>\nIs there enough stock for additional project financing?<\/em><\/p>\n<p>This creates an early warning system that creates planning security \u2013 even in an environment that is characterized by uncertainty.<\/p>\n<h2 data-start=\"104\" data-end=\"150\"><img decoding=\"async\" class=\"alignnone wp-image-18928 \" src=\"https:\/\/www.inkubit.com\/wp-content\/uploads\/2025\/10\/Dein-Abschnittstext-scaled.png\" alt=\"Cash Flow\" width=\"1006\" height=\"755\" srcset=\"https:\/\/www.inkubit.com\/wp-content\/uploads\/2025\/10\/Dein-Abschnittstext-scaled.png 1920w, https:\/\/www.inkubit.com\/wp-content\/uploads\/2025\/10\/Dein-Abschnittstext-300x225.png 300w, https:\/\/www.inkubit.com\/wp-content\/uploads\/2025\/10\/Dein-Abschnittstext-1024x768.png 1024w, https:\/\/www.inkubit.com\/wp-content\/uploads\/2025\/10\/Dein-Abschnittstext-533x400.png 533w, https:\/\/www.inkubit.com\/wp-content\/uploads\/2025\/10\/Dein-Abschnittstext-80x60.png 80w, https:\/\/www.inkubit.com\/wp-content\/uploads\/2025\/10\/Dein-Abschnittstext-93x70.png 93w\" sizes=\"(max-width: 1006px) 100vw, 1006px\" \/><\/h2>\n<h2 data-start=\"104\" data-end=\"150\"><span class=\"ez-toc-section\" id=\"Step-by-step_cash_flow_forecast\"><\/span>Step-by-step cash flow forecast<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 data-start=\"152\" data-end=\"185\"><span class=\"ez-toc-section\" id=\"Keep_basic_data_clean\"><\/span>Keep basic data clean<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"186\" data-end=\"419\">A cash flow forecast is only as good as the database. Open accounts receivable and vendor entries, current budgets, and bank accounts must be fully and correctly maintained. Only then can reliable predictions be made.  <\/p>\n<h3 data-start=\"421\" data-end=\"455\"><span class=\"ez-toc-section\" id=\"Define_cash_flows\"><\/span>Define cash flows<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"456\" data-end=\"737\">Which income and expenditure flow regularly, which are one-off or project-related? This includes, for example, customer invoices, salaries, rents, supplier liabilities or planned investments. A clear structure prevents important items from being overlooked.  <\/p>\n<h3 data-start=\"739\" data-end=\"775\"><span class=\"ez-toc-section\" id=\"Define_forecast_periods\"><\/span>Define forecast periods<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"776\" data-end=\"1022\">Not every forecast has to cover twelve months. For short-term control, a horizon of four to eight weeks is often sufficient. When making investment decisions, it is advisable to take a longer look ahead \u2013 including seasonal fluctuations.  <\/p>\n<h3 data-start=\"1024\" data-end=\"1055\"><span class=\"ez-toc-section\" id=\"Playing_through_scenarios\"><\/span>Playing through scenarios<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"1056\" data-end=\"1160\">Especially in uncertain times, it is crucial to simulate different &#8220;what-if&#8221; scenarios:<\/p>\n<ul data-start=\"1161\" data-end=\"1312\">\n<li data-start=\"1161\" data-end=\"1196\">\n<p data-start=\"1163\" data-end=\"1196\">Late payment of important customers<\/p>\n<\/li>\n<li data-start=\"1197\" data-end=\"1231\">\n<p data-start=\"1199\" data-end=\"1231\">Unexpected cost increases<\/p>\n<\/li>\n<li data-start=\"1232\" data-end=\"1268\">\n<p data-start=\"1234\" data-end=\"1268\">New projects or investments<\/p>\n<\/li>\n<li data-start=\"1269\" data-end=\"1312\">\n<p data-start=\"1271\" data-end=\"1312\">Financing through loans or leasing<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"1314\" data-end=\"1347\"><span class=\"ez-toc-section\" id=\"Visualize_results\"><\/span>Visualize results<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"1348\" data-end=\"1564\">A forecast only unfolds its full value when it is clearly understandable. Charts and reports help to identify trends immediately and present them in a comprehensible way to management or banks. <\/p>\n<h3 data-start=\"1566\" data-end=\"1601\"><span class=\"ez-toc-section\" id=\"Regular_update\"><\/span>Regular update<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"1602\" data-end=\"1775\">Liquidity planning is not a one-off project. Only if forecasts are continuously compared with the current data and recalculated will the company remain controllable. <\/p>\n<h2 data-start=\"96\" data-end=\"139\"><span class=\"ez-toc-section\" id=\"Strategic_added_value_for_companies\"><\/span>Strategic added value for companies<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"141\" data-end=\"296\">A neatly written cash flow forecast provides far more than a figure at the bottom line. It becomes a control instrument for the entire company: <\/p>\n<ul data-start=\"298\" data-end=\"1104\">\n<li data-start=\"298\" data-end=\"470\">\n<p data-start=\"300\" data-end=\"470\"><strong data-start=\"300\" data-end=\"341\">Planning security for management<\/strong><br data-start=\"341\" data-end=\"344\"\/>Decisions about investments, new projects or staff expansion are based on reliable data instead of gut feeling.<\/p>\n<\/li>\n<li data-start=\"472\" data-end=\"607\">\n<p data-start=\"474\" data-end=\"607\"><strong data-start=\"474\" data-end=\"504\">Early warning system for risks<\/strong><br data-start=\"504\" data-end=\"507\"\/>Bottlenecks become visible before they become critical \u2013 this enables timely countermeasures.<\/p>\n<\/li>\n<li data-start=\"609\" data-end=\"782\">\n<p data-start=\"611\" data-end=\"782\"><strong data-start=\"611\" data-end=\"676\">Stronger negotiating position vis-\u00e0-vis banks and investors<\/strong><br data-start=\"676\" data-end=\"679\"\/>Those who can present transparent forecasts at any time secure trust and better conditions.<\/p>\n<\/li>\n<li data-start=\"784\" data-end=\"928\">\n<p data-start=\"786\" data-end=\"928\"><strong data-start=\"786\" data-end=\"818\">Optimized resource utilization<\/strong><br data-start=\"818\" data-end=\"821\"\/>Liquid funds can be used in a targeted manner where they have the greatest strategic effect.<\/p>\n<\/li>\n<li data-start=\"930\" data-end=\"1104\">\n<p data-start=\"932\" data-end=\"1104\"><strong data-start=\"932\" data-end=\"954\">Competitive Advantage<\/strong><br data-start=\"954\" data-end=\"957\"\/>Companies that actively integrate cash flow planning into their management are more resilient and can take advantage of opportunities faster than the competition.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1106\" data-end=\"1279\">In short, a reliable cash flow forecast provides clarity, certainty and speed \u2013 the three factors that make all the difference in uncertain markets.<\/p>\n<h2 data-start=\"150\" data-end=\"198\"><span class=\"ez-toc-section\" id=\"Conclusion_Liquidity_is_decisive_for_growth\"><\/span>Conclusion: Liquidity is decisive for growth<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"200\" data-end=\"460\">Uncertain markets, rising costs, changed payment terms \u2013 all of this makes cash flow the most critical key figure in a company. If you rely on Excel spreadsheets or delayed reports, you risk missing opportunities or getting into bottlenecks. <\/p>\n<p data-start=\"462\" data-end=\"637\">A structured cash flow forecast provides the planning security that companies need: for investments, for negotiations with banks and for sustainable growth.<\/p>\n<p data-start=\"462\" data-end=\"637\">Want to know more about cash flow forecasts in Dynamics 365 Business Central? Read all about this in our article: <a href=\"https:\/\/www.inkubit.com\/blog\/2025\/10\/20\/automatisierte-cashflow-forecasts-in-business-central-der-garant-fur-finanzstabilitat\/\"><em>Automated Cash Flow Forecasts in Business Central<\/em><\/a>. <\/p>\n<p data-start=\"639\" data-end=\"809\">\ud83d\udc49 <strong data-start=\"642\" data-end=\"807\">In <a href=\"https:\/\/calendly.com\/kai-gutzeit\/kurze-abstimmung-15-min\">15 minutes<\/a> , let&#8217;s take a quick look at how cash flow forecasting can help your business.<\/strong><\/p>\n<p data-start=\"1241\" data-end=\"1489\">*Source: <a href=\"https:\/\/live.handelsblatt.com\/deutschlands-wirtschaftliche-schieflage-schwache-konjunktur-hohe-kosten-und-restriktive-finanzierer\">Handelsblatt GmbH, 2025<\/a><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Uncertain markets, rising costs, changed payment terms \u2013 all of this makes cash flow the most critical key figure in a company.<\/p>\n","protected":false},"author":6,"featured_media":22815,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[211,215],"tags":[212,216,286],"class_list":["post-22811","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-dynamics-365-business-central","tag-blog","tag-business-central","tag-cash-flow"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.2 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>More planning security with cash flow forecasts<\/title>\n<meta name=\"description\" content=\"Uncertain markets, rising costs, changed payment terms \u2013 all of this makes cash flow the most critical key figure in a company.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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