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/financial-overview

Source: ~/.claude/skills/financial-overview/SKILL.md

Financial Overview — Finansijski Pregled

Description

Kompletni finansijski pregled: bank balances, outstanding invoices, pipeline forecast, runway kalkulacija. Agregira podatke iz Fiken API, invoice DB, i sales pipeline-a u executive summary.

Trigger

Koristi ovaj skill kad:

  • Alem kaže "financial overview", "koliko imamo para", "runway", "pregled finansija"
  • "bank balance", "outstanding invoices", "koliko nam duguju"
  • Mjesečni/kvartalni finansijski pregled
  • Planning meeting — treba forecast

Alati

  • Fiken: ~/system/tools/fiken.js
  • Invoices: ~/system/tools/invoice-generator.js
  • Pipeline: ~/system/tools/sales-pipeline.js
  • CRM: ~/system/tools/unified-crm.js
  • Dashboard: http://localhost:3030

Workflow

Korak 1: Bank Balances (Fiken)

NODE_PATH=~/system/node_modules node ~/system/tools/fiken.js balances

Prikaži per-company:

## Bank Balances
| Company | Account | Balance | Currency |
|---------|---------|---------|----------|
| ALAI Holding AS | Drift | XX,XXX | NOK |
| BasicConsulting | Drift | XX,XXX | NOK |
| ... | ... | ... | ... |
| **TOTAL** | | **XXX,XXX** | **NOK** |

Korak 2: Outstanding Invoices

# Neplaćene fakture
NODE_PATH=~/system/node_modules node ~/system/tools/invoice-generator.js list unpaid

# Overdue fakture
NODE_PATH=~/system/node_modules node ~/system/tools/invoice-generator.js list overdue

# Statistika
NODE_PATH=~/system/node_modules node ~/system/tools/invoice-generator.js stats

Prikaži:

## Outstanding Invoices
| Invoice | Client | Amount | Due Date | Status | Days |
|---------|--------|--------|----------|--------|------|
| INV-001 | Client A | 50,000 NOK | 2026-02-20 | Open | 8 days left |
| INV-002 | Client B | 30,000 NOK | 2026-02-01 | OVERDUE | 11 days late |
| **Total Outstanding** | | **80,000 NOK** | | | |
| **Total Overdue** | | **30,000 NOK** | | | |

Korak 3: Recent Payments (last 30 days)

NODE_PATH=~/system/node_modules node ~/system/tools/invoice-generator.js list paid
NODE_PATH=~/system/node_modules node ~/system/tools/fiken.js dashboard --json

## Recent Payments (last 30 days)
| Date | Client | Amount | Invoice |
|------|--------|--------|---------|
| 2026-02-05 | Client A | 75,000 NOK | INV-003 |
| **Total Received** | | **75,000 NOK** | |

Korak 4: Pipeline Forecast

NODE_PATH=~/system/node_modules node ~/system/tools/sales-pipeline.js forecast
NODE_PATH=~/system/node_modules node ~/system/tools/sales-pipeline.js stats

## Pipeline Forecast
| Period | Expected Revenue | Probability-Weighted |
|--------|-----------------|---------------------|
| Next 30 days | XXX,XXX NOK | XX,XXX NOK |
| Next 60 days | XXX,XXX NOK | XX,XXX NOK |
| Next 90 days | XXX,XXX NOK | XX,XXX NOK |

### By Stage
| Stage | Deals | Value | Weight |
|-------|-------|-------|--------|
| Qualified | X | Y NOK | Y x 25% |
| Proposal Sent | X | Y NOK | Y x 50% |
| Negotiating | X | Y NOK | Y x 75% |

Korak 5: Monthly Burn Rate

Estimiraj mjesečne troškove (iz poznatih podataka):

  • Hosting & infrastructure (poznato iz subscriptions)
  • Software licenses (poznato)
  • Subcontractor costs (iz faktura)
  • NE estimiraj troškove koje ne znaš — označi kao TBD
## Monthly Burn Rate (estimated)
| Category | Amount | Note |
|----------|--------|------|
| Hosting | X NOK | Vercel, Railway, etc. |
| Software | X NOK | GitHub, Fiken, etc. |
| Subcontractors | X NOK | Ako postoji |
| **Total Known** | **X NOK** | |
| Salaries, rent, etc. | TBD | Alem ima podatke |

Korak 6: Runway Kalkulacija

## Runway
- **Cash on hand:** XXX,XXX NOK (bank balances)
- **Outstanding receivable:** XX,XXX NOK (neplaćene fakture)
- **Monthly burn (known):** XX,XXX NOK
- **Runway (cash only):** X.X mjeseci
- **Runway (cash + receivable):** X.X mjeseci
- **Runway (cash + receivable + 30d forecast):** X.X mjeseci

**Status:** OK / WARNING (< 3 mjeseca) / CRITICAL (< 1 mjesec)

NAPOMENA: Ako ne znaš pune mjesečne troškove, runway je OPTIMISTIČKI. Označi to jasno.

Korak 7: Per-Company Breakdown

Ako ima više kompanija (ALAI Holding, BasicConsulting, itd.):

## Per-Company
| Company | Bank | Outstanding | Pipeline | Status |
|---------|------|-------------|----------|--------|
| ALAI Holding | XX,XXX | XX,XXX | XX,XXX | OK |
| BasicConsulting | XX,XXX | XX,XXX | XX,XXX | OK |

Korak 8: Executive Summary

Prikaži Alemu kompaktan pregled:

## Financial Overview — <datum>

**Cash:** XXX,XXX NOK (across all accounts)
**Outstanding:** XX,XXX NOK (X invoices, Y overdue)
**Pipeline (weighted):** XX,XXX NOK (next 90 days)
**Runway:** X.X months (cash + receivable)

**Action Items:**
1. <overdue invoice chase>
2. <pipeline advancement needed>
3. <any concerns>

**Trend:** Revenue up/down/stable vs last month

Pravila

  1. Stvarni podaci — Svaka cifra dolazi iz tool-a (fiken.js, invoice-generator.js, sales-pipeline.js). NE izmišljaj.
  2. Currency match — Prikazuj sve u NOK. Ako ima EUR/USD, konvertuj sa napomenom o kursu.
  3. Overdue highlight — Overdue fakture UVIJEK crveno/boldano. To su prioritet.
  4. TBD za nepoznato — Ako ne znaš neki trošak, piši TBD. NE estimiraj bez podataka.
  5. Forecast ≠ revenue — Pipeline forecast je probabilistički. Jasno označi.
  6. Runway je estimate — Ako nemaš pune troškove, piši "minimum runway" i napomeni.
  7. Privacy — Finansijski podaci su CONFIDENTIAL. Ne loguj u HiveMind detalje.
  8. Fiken = source of truth — Za bank balanse i fakture, Fiken API je autoritativan.
  9. Dashboard link — Uvijek ponudi http://localhost:3030 za live dashboard.

Primjer

Alem: "Koliko imamo para?"

John:
## Financial Overview — 2026-02-12

**Cash:** 82,450 NOK (Fiken — 2 accounts)
- ALAI Holding drift: 65,200 NOK
- BasicConsulting drift: 17,250 NOK

**Outstanding:** 31,250 NOK (1 invoice)
- INV-005 Wizard NUF: 31,250 NOK (due 2026-02-26) — on time

**Overdue:** 0 NOK

**Pipeline (weighted, 90d):** 168,750 NOK
- 4 active leads, total value 425,000 NOK

**Runway:** ~5.5 months (cash only, based on known burn ~15K NOK/mo)
Note: Full burn rate TBD — ovo je samo infrastructure + software.

**Action Items:**
1. No overdue invoices — good
2. Riad negotiation needs push (12 days stale)
3. Consider invoicing Ren Drøm for January work

Live dashboard: http://localhost:3030

Quick Commands

# Full financial snapshot
NODE_PATH=~/system/node_modules node ~/system/tools/fiken.js dashboard
NODE_PATH=~/system/node_modules node ~/system/tools/invoice-generator.js stats
NODE_PATH=~/system/node_modules node ~/system/tools/sales-pipeline.js forecast

# Overdue chase
NODE_PATH=~/system/node_modules node ~/system/tools/invoice-generator.js list overdue
NODE_PATH=~/system/node_modules node ~/system/tools/invoice-generator.js remind <id>
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