Costs rise.
Construction costs and requirements deviate from plan.
Project finance.
Identify risks earlier.
profuturum creates a shared, up-to-date and traceable information base for investment and construction financing – for standardisation, digitalisation and risk minimisation in lending.
Variance: Final amount versus budget – cost overruns and savings per budget item at a glance.
The biggest risk is the one identified too late.
Construction and investment projects rarely lack information. The problem is elsewhere: data sits in different systems and channels, arrives at different times and does not reach everyone in your bank when it is needed.
Bank reconciliation: Transactions arrive automatically from the bank and are allocated to costs and sales.
Sales are delayed.
Sales progress falls short of assumptions.
Liquidity shifts.
Cash flows and funding needs develop dynamically.
Assumptions no longer hold.
Plans lose their validity and plausibility.
The decisive question
Does your bank have the decisive information at the right time?
profuturum brings consistency to projects.
Scenarios
What if …?
Small deviations, big impact. Change the assumptions and see how the liquidity of your project develops.
Scenario Lindenhof, Block B
Presets
Uplift on the remaining construction costs (€6.6m)
Payments received from sales are postponed
Debit interest rate 5.00% p.a.
- Lowest liquidity€85,500Jan 2027
- LTC75.0%Loan to cost
- Profit margin20.0%on full sell-out
Liquidity positive in all 12 months
Free liquidity (in EUR million)PlanScenario
Scenarios and sensitivity analyses – including delays in the construction phases (BTVG) – are a built-in part of profuturum.
For every task in your bank.
Whether it is the management board, sales or IT – profuturum provides every department with the information required.
Management board
Confidence that material risks are identified in good time.
Learn moreSales
Less administration, more time for clients.
Learn moreRisk
Identify risks before they become critical.
Learn moreLoan administration
All relevant information. Structured, current and traceable.
Learn moreRestructuring
Know what is really needed.
Learn moreIT
Digitalisation that simplifies processes instead of adding complexity.
Learn moreOur approach
Why profuturum?
To identify risks earlier, make decisions with more confidence and manage projects more efficiently.
profuturum does more than digitalise project controlling: it optimises credit processes.
Shared information base
One data basis for everyone involved.
Earlier risk detection
Identify risks before they become reality.
Standardised processes
Uniform processes increase efficiency, raise quality and make operations dependable.
Traceability
Data is documented, with a traceable history.
Less effort
Less manual work, more time for what matters.
Impact
Efficiency with visible impact.
- Earlier risk detection
- up to65%
- Less manual effort
- up to70%
- Higher data quality
- up to90%
- Traceability
- 100%
Funding
Process ÖHT financing digitally.
Reporting is built continuously from the project – structured, traceable and with significantly less effort.
See ÖHT reportingEligible costs are calculated automatically from invoice, cash discount and payment.
Trust through security.
Banks set the highest standards for security, data protection and traceability. profuturum meets them – today and in future.
Operated in Austria
Data centres in Austria, with an additional backup in a second data centre in the EU
Information security
Data centres certified to ISO 27001 and BSI C5
Data protection
GDPR-compliant
Secure access
Two-factor login and individually configurable access rights
Audit and internal audit
Complete data and a traceable history
Core banking
No core banking integration required
Get to know profuturum.
Experience profuturum in a personal, no-obligation presentation – tailored to your bank.
