Cifrova Business

A business controller, built into your company.Matched every day. Closed every month.

Not another system to feed. Cifrova Business is fitted to the way your company already works: your banks, your invoicing, the email address your customers know, your rules. Then it runs the money side the way a good controller would: matched every day, closed every month, everyone who needs a figure has it, today.

Every bank line paired with its document, daily The close package and the SAF-T file the accountant files from Nine assistants that propose; you say yes
Bank matched412 / 412September, three accounts, every line with its document
Month closeprovisional · 2 openaccruals and VAT green; a Galp receipt and the cleaning invoice missing
Owner statements7 senton the 2nd, with the channel payouts per reservation
Ask the books: what did we pay Galp this year, and what is still open?
From where you are to where you should be
BeforeA month end that starts with a spreadsheet and a guess
With CifrovaEvery bank line paired with its invoice, receipt or payout the day it lands; what is missing sits in one short list, chased for you.
BeforeA box of PDFs and a week of questions for the accountant
With CifrovaA closed month with every check green, the file the accountant files from, and one place to ask what a figure is.
BeforePartners and owners waiting for the quarterly email
With CifrovaShareholders open their statement whenever they like; owners get theirs the day the month closes; every figure is today's.
BeforeReminders and payment links written by hand
With CifrovaDeposits and instalments planned once; reminders and links go out from your own address, on your schedule, and stop the moment money arrives.
BeforeCash you find out about too late
With CifrovaWhere the cash stands per account this morning, what is due in and out, and where the low point of the next months is.
BeforeDecisions made from memory
With CifrovaEvery rule your company follows is written down once and applied every time; the assistants propose, you say yes, and it is done with an undo.
What it gives back
  • Hours every month
    The matching, the chasing, the re-typing and the month-end scramble stop being anyone's job.
  • Clarity for the accountant
    A ledger that ties to the bank to the cent, a close package with the documents, and the SAF-T file that opens in the tax authority's validator.
  • Real-time access
    Owners, partners and the accountant see the same figures the moment they exist, on their own page, without asking.
  • Money collected on time
    Payment plans, links and reminders in your name; what is late is visible and chased before it becomes a problem.
  • A month that closes
    A guided close with gates that refuse to lock until the books are right, so what the accountant receives is final.
  • A controller's view without the controller
    Projects with their own margin, channels with their own payouts, one dashboard that says what changed and why.
Fitted to the company, not the other way round

Cifrova Business is not a general SaaS you configure from a menu. Each company is set up as its own installation: its banks and cards, its certified invoicing provider, its chart of accounts, the way it closes a month, the emails it sends and the address they come from, the reports its partners expect. Payment reminders for a travel agency leave from the agency's own address; an owner statement for a rentals company follows that company's statement day and rules.

That is why the setup is done together, once, and why the product keeps being adjusted to the company as it grows, with every rule written down and checked every night.

Who runs on it today
In private use, with their accountants, since 2025
Marquez ConsultingConsulting

Projects and their margin, a monthly close with every check green, the shareholder's view, the accountant's package with the SAF-T file.

NextPlayTravel agency for sports programmes

Events with deposits and instalments, payment plans and reminders in NextPlay's name, family statements on request, the margin regime for travel handled in the books.

Monte RentalsShort-term rental management

Channel payouts matched to every reservation, owner statements the day the month closes, tourist tax and commissions right, a monthly close per property owner.

Agents at work

Nine assistants, one engine, and the accountant's chair

Each assistant works one part of the month with the same rules: it states what it understood, proposes the steps, asks when a rule is missing, and does nothing until you say yes. Everything it does has an undo and lands in the audit trail.

Reconciliation

Pairs bank lines with documents in batches, oldest first; books what the rules allow and asks about the rest.

Documents

Reads what arrives by email or upload, names the supplier, the VAT and the account, and files it or flags it.

Close

Walks the month through its gates: accruals, VAT, the checks, the provisional close, the lock.

Collections

Sees what is late, writes the reminder in the company's voice, sends it from the company's address, and stops the moment money lands.

Payment plans

Deposits and instalments planned once; links and reminders on schedule; the family or the client sees their plan on a page.

Project close

Ticks what a project still needs before it counts as done and computes its margin.

Channels

Rentals and events: payouts per channel matched to reservations, city tax, commissions, owner statements.

Payments

Prepares supplier payments with the right paper attached and the right approver.

Cash

Where the cash stands per account this morning, what is due, where the low point of the coming months is.

The accountant's chair

A lane where the accountant proposes journals with a reversal date, queries a record, reads its history, and locks the month at two levels. Every night, invariant checks and an independent judge read the ledger and raise a red card when something is off.

Coming

Ask the books by voice, budget adherence by project, the board pack written from the figures, and an API for the tools a company already uses.

Why I built this

I ran operations for other people's companies before I got my own under control.

Jesus Ortigosa Marquez, founder

For years I closed months for companies I did not own, and the books of my own were the ones nobody touched. Three companies, three banks each, a rentals business with channel payouts, a travel agency with deposits and instalments, a consultancy with projects: the same month-end scramble three times.

So I wrote down every rule each company follows and built the controller that applies them every day, then asks me only what a rule cannot decide. The accountants now receive a closed month with the documents attached, and I know where the cash stands every morning.

Cifrova Business is that controller, fitted to your company the way it was fitted to mine.

Where it stands

Cifrova Business is in private and test use: it runs the three companies above end to end, and their accountants are working with what it produces, month by month. It is not sold off a price list. When it opens to more companies, it will be a few at a time, each set up together, because that is what an integrated controller is.

If your company should run like this, tell us about it.