Anyone financing through several banks knows the problem: the group’s real cash position is in no single online banking. The bank mirror brings all accounts, balances and credit lines together — making it the basis of any reliable liquidity view.
What is a bank mirror?
A bank mirror is the consolidated overview of all bank relationships: per account, the current balance, the granted line and the free availability. The sum gives the group’s available liquidity — the number every 13-week plan starts from.
What belongs in it?
Per account, at minimum: bank, account type, current balance, credit line and the resulting free availability. Current accounts and loan accounts are kept separate, because only the current account breathes in the short term.
| Account | Balance (€) | Line (€) | Free (€) |
|---|---|---|---|
| Main bank CA | -320,000 | 800,000 | 480,000 |
| Savings bank CA | 210,000 | 300,000 | 510,000 |
| Development loan | -1,100,000 | — | — |
| Available (CA) | -110,000 | 1,100,000 | 990,000 |
The decisive column is Free: what matters for your room to act is not the balance but the free availability across all current-account lines combined.
Why the bank mirror is the foundation
Without a consolidated opening balance, any liquidity outlook is just a guess. The bank mirror provides the opening balance for week 1 — and reveals whether reserves are sitting in unused lines or whether a line is nearly exhausted. Both directly shape the conversation with the bank.
LiquidityLens consolidates accounts, balances and lines per entity — and feeds the 13-week outlook directly from them.
See the Liquidity Control Sprint