What your company earns and is worth — today, not months after year-end
Most companies only see last year's real numbers in spring — or at the end of the following year — when it's already too late to change anything. There is another way: accounting in which the balance sheet, margin and solvency are visible in real time — the way a strong CFO would see them.
A report about the past is not a view of the present
In Switzerland, almost nothing pushes a company to close its books on time: the tax office imposes no penalty for filing right up to the end of the year, and accounting is habitually treated as a tool for the tax authority, not for management. As a result, many leaders learn last year's results many months after the year has ended. For compliance, that's enough. To run a company, it isn't: decisions are made blind while the numbers “ripen”.
Accounting you can lean on when deciding
Arvut keeps the books differently — so the management picture emerges from the same data as the legal accounts and updates as documents arrive. What that gives leadership:
01Solvency in real time.
What the company is worth and what it holds — now, not in a quarterly report.
02True margin.
What each line actually earns, cleared of historical-cost distortion.
03Facts, not declarations.
An issued invoice is an intention. Delivery and payment are facts. We show separately what is confirmed by delivery notes and bank statements — and what is so far only claimed by invoices. Optimism doesn't get mixed into reality.
04Early signals.
A failing client or a sagging line is visible while it can still be fixed.
05Resistance to distortion.
Every figure reconciled to source documents to the rappen — the picture isn't drawn, it follows from the documents.
This is not a dashboard on top of old books. It's a different way of producing financial data — the difference between reading a report and seeing the company.
What your assets are worth today
In the legal books, asset values are history: purchase price minus a depreciation schedule. A ten-year-old computer stands at zero in the books — yet it runs and has a price. A new car loses a noticeable part of its value driving out of the showroom — yet in the books it will "be worth" almost new for years. We keep a separate view of assets at today's value: what is actually in service and what it is worth now. So the question "what is my company worth today" gets its answer from reality, not from a depreciation table. The legal register stays untouched — this is the management view on top of it.
A CFO's view — without hiring a CFO
The formula is simple: a traditional fiduciary is a shared accountant for SMEs; a fiduciary in the Arvut network is also a fractional CFO — and not only for small businesses. Most SMEs can't afford an in-house CFO. Yet it's exactly those questions — liquidity, margin, resilience — that decide whether a company grows or stalls. A modern fiduciary running on Arvut's infrastructure takes on that role: real-time accounting as the base, and above it a conversation about the numbers at leadership level, not a filing exercise.
Where to start
You're a company and want to see your numbers this way? We'll match you — free — with a network fiduciary running on this infrastructure, by canton, language and industry.
Find a fiduciary →You're a fiduciary and want to offer this to your clients? It's part of what Arvut gives network partners — alongside real-time production under your brand and a stream of inbound enquiries.
Become a partner →Behind this is our own technology
Behind this capability is Arvut's own technology — a way of keeping the books that no other platform in Switzerland has today. How exactly it works, we show partners separately, under a confidentiality agreement. This isn't a figure of speech — it's what we protect.
Frequently asked
How is this different from ordinary bookkeeping?
Ordinary bookkeeping is kept for the tax office and shows the past at historical cost. Our approach draws a second, management picture from the same data — solvency, margin and company value in real time. The legal accounts stay complete and correct.
Do I need to change my accountant or software?
No. It works through a network fiduciary that keeps your books on Arvut's infrastructure. You get both the legal accounts and the management view — from one source.
Does this replace a CFO?
It gives SMEs what a CFO is hired for — clarity on cash, margin and resilience — without the cost of a full-time role. Decisions stay with you and your fiduciary.
How accurate are these numbers?
Every figure is reconciled to source documents — bank, till, invoices — to the rappen. The management picture isn't an estimate: it follows from verified data.
Can we see how it works inside?
Publicly we show the result, not the mechanism. To network partners we disclose the technology separately, under a confidentiality agreement.
What does "facts, not declarations" mean in practice?
Ordinary bookkeeping is built around issued invoices. An invoice is an intention: it says what is supposed to happen. Delivery and payment are facts: they say what did happen. We keep the two apart — so the picture isn't inflated by invoices that may never be paid. The legal books are still kept by the rules, as the law requires.
Why doesn't the book value of assets match their real value?
Legal accounting values assets at purchase price minus depreciation on a set schedule — that's what the law requires, and for reporting it's correct. But today's value can differ in both directions: equipment written down to zero may still work and have a price, while a recent asset may already have lost its value. We show both pictures: the legal one for reporting, today's one for decisions.