Investments & Debt - Pain Points & Challenges¶

Pain Points¶

Investment tracking in Google Sheets is manual and error-prone - "the upkeep of this sheet is quite manual"
Source: Personio (2025-10-21)

Credit ratings require manual updates from multiple bank websites - Each bank uses different terminology (secured vs unsecured, short-term vs long-term)
Source: Personio (2025-10-21)
AI agent for scraping credit ratings is unreliable - "works once and then it's not working again"
Source: Personio (2025-10-21)

Bloomberg is expensive and not in budget - Standard industry tool for credit ratings and market data, but cost-prohibitive for many treasury teams
Source: Personio (2025-10-21)

Weighted average investment rate shows zeroes on non-deposit days - Distorts the average when totaled over a period; "it looks a bit funny"
Source: ON (2026-02-18)

Cannot see investments alongside cash in a unified view - Investments and operational cash are tracked separately, making total liquidity unclear
Source: Personio (2026-01-28)
Money market fund data not integrated - BlackRock MMF movements not visible in system despite being significant
Source: Personio (2026-01-28)
MMC/fund-like products missing from total investments - UBS MMCs not in investment total, creating incomplete counterparty exposure view. Different instrument type from term deposits (no maturity, interest reinvested monthly).
Source: ON (2026-02-18)

Making overly conservative investment decisions due to lack of forward visibility - Without forecast data, treasury teams default to shorter investment horizons
Source: Personio (2026-01-28)

Manual Excel tracking of complex accrual calculations - Prone to formula errors; "a mistake is very easy to happen"
Source: Avramar (2025-07-09)
Multiple reporting formats needed from same data - Accounting (accruals), cash flow (payments), FNA (analysis) all require different views
Source: Avramar (2025-07-09)
Bank reconciliation is difficult - Banks calculate differently, hard to match their figures
Source: Avramar (2025-07-09)
No helicopter view of total debt exposure - Can't easily see total liability across all facilities
Source: Avramar (2025-07-09)
Floating rate changes require manual updates - Euribor changes require manual splits mid-period
Source: Avramar (2025-07-09)

Securities tracking is a nightmare - Collateral spread across loans from merged companies; difficult to see which collateral backs which loan
Source: Avramar (2025-07-09)

No client-level visibility in factoring - Bank provides batches but no breakdown by client; can't see financing status per client
Source: Avramar (2025-07-09)