Making Finance Easier, One Tool at a Time.

Smart financial tools to streamline IFRS reporting, tax compliance and financial management, empowering CFOs, accountants, and auditors.

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[ Who are we ]

We empower finance professionals with easy to use, compliant, and cost-effective tools for IFRS, tax, and financial analysis.

Navigating complex financial regulations and reporting standards can be challenging. CFO.tools simplifies the process with smart, user-friendly solutions designed for CFOs, accountants, and auditors.

Our Mission

We empower finance professionals with easy to use, compliant and efficient tools for IFRS reporting, tax compliance and financial management to make better decisions in a fast changing world.

Our Approach

We focus on innovative, compliant, and user friendly financial tools that streamline workflows, reduce risks, and enhance decision-making.

25m+

records managed with our platform

40%+

improved reporting communication

Commitment to Quality & Comprehensive Solutions

Quality pledge

Our tools have been developed by a team with significant experience in finance, valuations and statistical analysis, in close collaboration with experienced IFRS and tax specialists. All tools have been already implemented since 2018 in small, medium and large enterprises in Europe, audited by international and local audit firms.

Clear Methodology

The tools are developed with a well-defined methodology and documentation about the level of detail, sources of data used, assumptions made, methods and calculations employed. We have developed in-platform help, documentation and training videos to facilitate the use of our tools and the interpretation of results.

Comprehensive solution

Our team provides comprehensive support and training on tool usage, data processing, and result interpretation. Potential clients, accounting and audit firms are invited to contact us for a free training session, enabling financial professionals to confidently and effectively integrate these tools into their workflows.

[ how we can help you ]

Tools We Offer

Our platform provides easy-to-use solutions that help CFOs, accountants, and auditors  streamline workflows, enhance decision-making, and maintain compliance with ease. We’re continuously developing new financial tools for IFRS, tax, and financial decision-making purposes. You’ll find a list of our current tools below:

Expected Credit Loss Tool for loans under IFRS 9, General Approach The tool estimates the 12-month or lifetime Expected Credit Loss (ECL) for loans under the IFRS 9, General Approach.

The tool streamlines ECL estimation through a detailed yet materially automated process. It offers a straightforward way to calculate ECL, leveraging your inputs with pre-prepared models and data from CFO.tools:

User-provided inputs include data about the borrower (e.g. credit rating) and the instrument (e.g. amounts, repayment schedule, interest rate). Our team can support you with additional analyses if some information is not available (e.g. credit rating data).
Based on the input data, CFO.tools’ statistical and macroeconomic models will automatically assess the 12-month or lifetime Probability of Default (PD) for each instrument at the required date. The statistical models rely on detailed historical data about PD over time, transitions between different ratings, macroeconomic data, forecasts and adjustments, and other market information.
The tool automatically estimates Loss Given Default (LGD) based on the collateral details you provide, while manual adjustments are also possible.
With these analyses complete, ECL is automatically calculated to determine the instrument’s impairment for the period.

Advantages

Fast and easy-to-use
Automated data input for key ECL components (PD, LGD)
Automatic forward-looking macroeconomic and scenario adjustments to point-in-time PD
Market-based estimates for PD and LGD, updated regularly
Robust risk scenario testing
Multi-period analyses with a single data entry
Re-use of data across different tools and purposes, including transfer pricing analyses
Support and help available thought the process

The methodology and the approach of the tool have been consulted with IFRS experts from a leading audit firm.

Expected Credit Loss Tool for receivables under IFRS 9, General Approach The tool estimates the 12-month or lifetime Expected Credit Loss (ECL) for receivables under the IFRS 9, General Approach.

User-provided inputs include data about the borrower (e.g. credit rating) and the instrument (e.g. amounts, repayment schedule, interest rate). Our team can support you with additional analyses if some information is not available (e.g. credit rating data).
Based on the input data, CFO.tools’ statistical and macroeconomic models will automatically assess the 12-month or lifetime Probability of Default (PD) for each instrument at the required date. The statistical models rely on detailed historical data about PD over time, transitions between different ratings, macroeconomic data, forecasts and adjustments, and other market information.
The tool automatically estimates Loss Given Default (LGD) based on the collateral details you provide, while manual adjustments are also possible.
With these analyses complete, ECL is automatically calculated to determine the instrument’s impairment for the period.

Advantages

Fast and easy-to-use
Automated data input for key ECL components (PD, LGD)
Automatic forward-looking macroeconomic and scenario adjustments to point-in-time PD
Market-based estimates for PD and LGD, updated regularly
Robust risk scenario testing
Multi-period analyses with a single data entry
Re-use of data across different tools and purposes, including transfer pricing analyses
Support and help available thought the process

The methodology and the approach of the tool have been consulted with IFRS experts from a leading audit firm.

Expected Credit Loss Tool for financial guarantees under IFRS 9,  General Approach The tool estimates the 12-month or lifetime Expected Credit Loss (ECL) for financial guarantees under the IFRS 9, General Approach.

User-provided inputs include data about the borrower (e.g. credit rating) and the instrument (e.g. amounts, repayment schedule, interest rate). Our team can support you with additional analyses if some information is not available (e.g. credit rating data).
Based on the input data, CFO.tools’ statistical and macroeconomic models will automatically assess the 12-month or lifetime Probability of Default (PD) for each instrument at the required date. The statistical models rely on detailed historical data about PD over time, transitions between different ratings, macroeconomic data, forecasts and adjustments, and other market information.
The tool automatically estimates Loss Given Default (LGD) based on the collateral details you provide, while manual adjustments are also possible.
With these analyses complete, ECL is automatically calculated to determine the instrument’s impairment for the period.

Advantages

Fast and easy-to-use
Automated data input for key ECL components (PD, LGD)
Automatic forward-looking macroeconomic and scenario adjustments to point-in-time PD
Market-based estimates for PD and LGD, updated regularly
Robust risk scenario testing
Multi-period analyses with a single data entry
Re-use of data across different tools and purposes, including transfer pricing analyses
Support and help available thought the process

The methodology and the approach of the tool have been consulted with IFRS experts from a leading audit firm.

Expected Credit Loss Tool for Stage 3 exposures under IFRS 9,  General Approach The tool estimates the Expected Credit Loss (ECL) within the scope of the IFRS 9, General Approach for Stage 3 exposures – e.g. exposures in default, with objective evidence of imairment.

The tool streamlines ECL estimation for Stage 3 exposures through probability-weighted scenario analysis:

User-provided inputs include data about the borrower and the instrument (e.g. gross carrying amount, effective interest rate).
The tool allows for the user to create scenario analyses, under which expected payment profiles can be created. Repayment plans and expected cash flows are uploaded for each scenario.
Probabilities are assigned to each scenario, so that probability weighted assessment of expected cash flows can be calculated.
With these inputs complete, ECL is automatically calculated to determine the instrument’s impairment for the period.

Advantages

Fast and easy-to-use
Robust risk scenario testing
Best-practice compliant approach to ECL calculations on Stage 3 exposures
Support and help available thought the process

The methodology and the approach of the tool have been consulted with IFRS experts from a leading audit firm.

Estimation of Market Interest Rate for Loans for Transfer Pricing and Other Purposes This tool estimates market interest rate ranges for loan transactions, suitable for transfer pricing and other purposes.

Our tool simplifies market interest rate assessment with a detailed and highly automated process. It offers a straightforward way to calculate applicable market interest rate ranges by combining your inputs with CFO.tools’ pre-built models and statistical analyses of corporate bond yields:

User inputs cover borrower data (e.g., sector of activity, credit rating) and instrument details (e.g., amounts, tenure, repayments). If you’re missing information like a credit rating, our team can assist with complementary analyses.
CFO.tools’ statistical models automatically assess a market interest rate range, factoring in key loan terms. These models are built on historical market data, including government yields and corporate bonds, detailed by sector, rating and other key terms.
The tool automatically estimates credit spreads and applicable yield curve rates for all major currencies, offering various methods and adjustments for interest rate assessment to suit your specific needs.
The tool is designed in compliance with OECD Transfer Pricing Guidance on Financial Transactions.

Advantages

Relies on robust, market-based data, updated regularly
Provides automated data inputs that effectively capture credit risk and other critical risk factors
Offers detailed assessment methods with flexible adjustment options to reflect loan specifics
Allows for multi-period analyses with a single data entry
Designed in compliance with OECD Transfer Pricing Guidance
Proven in practice across various EU jurisdictions

The methodology and the approach of the tool have been consulted with experts from a leading audit firm.

Estimation of Market Interest Rate for Guarantees for Transfer Pricing  and Other Purposes This tool estimates market interest rate ranges for guarantees, suitable for transfer pricing and other purposes.

User inputs cover borrower data (e.g., sector of activity, credit rating) and instrument details (e.g., amounts, tenure). If you’re missing information like a credit rating, our team can assist with complementary analyses.
CFO.tools’ statistical models automatically assess a market interest rate range under the two main approaches used in practice (yield approach and cost approach), factoring in key loan terms. These models are built on historical market data, including government yields and corporate bonds, detailed by sector, rating and other key terms.
The Yield Approach relies on automated models with credit spreads and applicable yield curve rates for all major currencies.
The Cost Approach utilizes assessments of Expected Credit Losses, similar to the General Approach of IFRS 9.
The tool is designed in compliance with OECD Transfer Pricing Guidance on Financial Transactions.

Advantages

Relies on robust, market-based data, updated regularly
Allows for the use of the Yield Approach and the Cost Approach
Provides automated data inputs that effectively capture credit risk and other critical risk factors
Offers detailed assessment methods with flexible adjustment options to reflect instrument specifics
Allows for multi-period analyses with a single data entry
Designed in compliance with OECD Transfer Pricing Guidance
Proven in practice across various EU jurisdictions
Allows for re-use of data across different tools and purposes (e.g. IFRS 9)

The methodology and the approach of the tool have been consulted with experts from a leading audit firm.

Expected Credit Loss Tool - IFRS 9, Simplified Approach The tool is used to estimate the lifetime Expected Credit Loss (ECL) of trade receivables and other assets in scope of IFRS 9 Simplified Approach.

The tool relies on a detailed approach for ECL calculations with a number of automations, designed to simplify the process. In brief:

The tool can be applied to trade and other short-term receivables, assets driven by contracts with customers under IFRS 15 with no material financial component and lease receivables.
The tool uses historical customer data (invoices and payments) to construct custom ECL models, based extended provision matrix calculatios, that automatically essess the historical loss rates for the relevant portfolios of assets.
The calculated historical models are then applied to the portfolio balances as of the end of reporting period to assess the lifetime ECL.
The tool supports adjusting the ECL curve for expected macroeconomic effects to reflect expected future macroeconomic developments.
All needed inputs (invoices, payments, balances) can be easily importend or exported.from CFO.tools. All calculations (ECL curve, ECL calculations) can be easily exposred from the system.
The tool can work with large volumes of data (over 1m records).

Advantages