COPILOT · FINANCIAL INTELLIGENCE FOR SMEs

The capital you are looking for is already inside your company

BLIQ reads your company’s financial structure, quantifies every opportunity in euros and continuously hands you an action plan prioritised by impact — always benchmarked against your sector.

24h
from request to first diagnosis
0
integrations needed to start
€ 1.3 M
average capital to unlock per SME
Economic impact/Decision assistant/Strategic plan/Business control/Sector benchmark/Custom targets/
Economic impact/Decision assistant/Strategic plan/Business control/Sector benchmark/Custom targets/
01 — The problem

SMEs LOSE MONEY TO INEFFICIENCIES NOBODY SEES

There is capital tied up in places nobody is monitoring. No one tells you instantly where it is, what it is worth, or what to do to release it.

01

Receivables choking your cash

Long collection cycles trap capital that should be working for the business.

02

Excess stock locking up capital

Inventory above what you need turns margin into euros parked on a shelf.

03

Margin draining away

Poorly negotiated terms erode profitability without anyone noticing.

04

Decisions made on intuition

Without reliable numbers at hand, some financial decisions rest on instinct. When they go wrong, you only find out late.

The product

Money Finder

Money Finder is the algorithm that scans your financial data for optimisations in your business, quantifies them in euros and hands you an action plan ranked by impact.

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Every opportunity carries a euro figure

Never a vague recommendation. Always the value it frees up.

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Start with no integrations

We begin with the company’s public financial data.

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Continuously updated as the business evolves

One captured opportunity opens others. The business changes. The plan keeps up — it is not a static report.

BLIQ Command Centre — financial health score
Command centre · BLIQ app
02 — How it works

FROM YOUR DATA TO THE NEXT EURO

01

We start from your data

If you would rather not integrate yet, we start with the company’s public financial data and a short questionnaire about your management profile. No integrations, and we never touch your systems.

Management profile in the initial data
02

Money Finder locates the capital

The algorithm cross-references your financial information with peers in your sector and quantifies in euros every opportunity you are missing.

MoneyFinder AI analysing the company data
03

You get a prioritised plan

Actions ranked by impact, each with the euros it frees up. As you capture some and the business changes, the plan is revised.

Goals and daily insights
Core

Money Finder

Finds optimisations in your financial data, quantifies them in euros and proposes concrete actions.

Positioning

SECTOR BENCHMARK

Shows where you stand against your peers: what you already do well and where there is real room to improve.

CONTEXT

Digest

A summary of the company’s financial state plus alerts that matter to the business, whether they come from the sector or the economy.

Decision

ASSISTANT

Answers your questions about the business or the problems you face, and assesses the effect of each decision before you make it.

03 — Plans

Simple, transparent, no surprises

X-RAY

A full read. One time.

€900*
✓Money Finder diagnosis
✓Prioritised action plan
✓Benchmark analysis against your sector
Talk to the team

* The X-Ray fee is fully credited if you move to Pulse or Partner within the first 60 days. Companies with multiple entities or more complex structures get a tailored proposal.

Most popular

PULSE

Continuous updates and monitoring.

€300 / month
✓ Everything in X-RAY, continuously updated
✓Connects to your ERP — or just the SAF-T files from accounting
✓Digest with sector and economy alerts
✓AI layer for decision support (limited)
Talk to the team

PARTNER

Live numbers, with someone working them with you.

€500 / month
✓Everything in PULSE
✓Unlimited AI layer for decision support
✓Dedicated support from a BLIQ specialist
Talk to the team
04 — Team

BUILT BY PEOPLE WHO KNOW THE CHALLENGES

A team with experience across management, engineering, consulting and financial strategy.

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LinkedIn ↗
Financial advisor

Finance & Economics expert

Oversees the Money Finder methodology and validates the financial rigour of every diagnosis.

Find out how much capital is sitting idle in your company

Initial diagnosis with no integrations and no commitment. The team replies in under 24 hours.

Request a diagnosis →
05 — FAQ

Frequently asked questions

It is not mandatory. The initial diagnosis runs on the company’s public financial data — no integrations, no access, no work on your side. Integrations only make sense if you want continuous monitoring.

Within 24 hours of your request you have the first read, with the capital identified and the actions ranked by impact.

It does not replace them — it gives them more information. Accounting reports the past; BLIQ tells you where capital sits idle today and what to do to release it.

Portuguese SMEs with their own financial structure — typically between 10 and 150 employees, in any sector.

Yes. We process only the data the diagnosis requires, in line with GDPR, and we never share identifiable information in sector benchmarks.

06 — Contact

Got questions? We have answers

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Message sent

We have received your request. The BLIQ team replies in under 24 hours.

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01

Tailored demo

A no-commitment walkthrough, adapted to your company.

02

Reply within 24 hours

No queues, no endless forms — we get back to you fast.

03

Free initial analysis

We show you examples of where the capital is before any commitment.

Porto, Portugal