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Malergeschäft Tannenberg GmbH (fictional)Fictional example by FehabLabs

DeutschFor my business
Stops all motion, in this demo and on fehablabs.ch. Your choice is stored locally in your browser.

Sample with fictional dataDemo time: Changes stay in this browser tab.

You are: Marco Bürgi, office, 60% part-time

Receipts in, suggested entry out. You check, you approve.

Seven receipts from the van, the post and WhatsApp, and four bank transactions that do not quite match any invoice. You drop them in, check and approve, and see what it means for the VAT quarter and the next 13 weeks. A fictional business: nothing books itself.

Overview

Bank todayCHF 48,320.15Statement from Demo Bank
Debtors outstandingCHF 28,825.936 invoices, 2 overdue
Creditors outstandingCHF 11,984.004 supplier invoices
Next VAT payableCHF 10,669.50Q3, due 30 Nov 2026 (29 Nov is a Sunday)

To do today

4 of 4 pending
  1. 7receipts to check
  2. 4incoming payments to match, plus 3 outgoing
  3. 1reminder due
  4. 58days until the Q3 VAT return

Start by role

Four steps, skip any of them

Sandra Keller-Frei

Owner: cash flow

  1. Read four key figures
  2. View the 13-week curve
  3. Drag the slider to 15 days
  4. Prepare the Steiner-Huber reminder

Marco Bürgi

Office: bank reconciliation

  1. Accept part payment of 7,000.00
  2. Split combined payment of 1,768.50
  3. Drop and approve the hotel receipt
  4. Have a journal entry explained

Treuhandbüro Zahlenwerk (fictional)

Accountant: VAT and export

  1. Check Q3 in the VAT return boxes
  2. Copy the boxes as text
  3. Export the journal as CSV
  4. Print the journal

Professional decisions stay with the person responsible. The demo suggests, you check and approve.

01Incoming receipts

The pile of paper becomes a suggested entry.

Hotel 3.8%, specialist book 2.6%, paint invoice 8.1%: every sample receipt carries its own fields. Duplicates and missing details stand out before anything is booked.

Pile: 7 receipts

Van, post, WhatsApp
  • Farbenhandel Nordfarb AG28 Sep 2026, CHF 3,215.708.1%, WhatsApp photo
  • Farbenhandel Nordfarb AG28 Sep 2026, CHF 3,215.708.1%, WhatsApp, second image
  • Hotel Bergsicht, Davos30 Sep 2026, CHF 189.003.8%, van
  • Buchhandlung am Markt25 Sep 2026, CHF 68.002.6%, post
  • Tankstelle Hinwil30 Sep 2026, CHF 112.458.1%, van
  • Baumarkt Oberland2 Oct 2026, CHF 47.90Details missing, van
  • Immobilien Oberland AG1 Oct 2026, CHF 3,400.00no VAT, post

The demo only knows the sample receipts. Your own files are not read and not uploaded.

Suggested entry

Select a receipt on the left and drop it in the in-tray. Gross, rate, net, input tax and account appear as a suggestion; you check and approve.

  • Three rates kept apart: 8.1%, 3.8%, 2.6%
  • Duplicates and missing details are flagged
  • No confidence percentages, only “to check” or “checked”

02Journal

A familiar table, with debit and credit explained in one sentence.

Swiss SME chart of accounts in plain language. Filter by month, account and status; press / to search.

VATStatus
2 Oct 2026Payment received from Liegenschaftsverwaltung Rosenweg (fictional)Ref. RE-2026-01921020Bank1100DebtorsCHF 43,964.27–Booked
1 Oct 2026Autoleasing Zürich-Oberland (fictional), lease payment OctoberRef. LZ-2026-106260Vehicle leasing2000CreditorsCHF 689.00CHF 51.638.1%Booked
1 Oct 2026Payment received from Schreinerei Ahornrain (fictional), UsterRef. RE-2026-01891020Bank1100DebtorsCHF 23,678.23–Booked
30 Sep 2026Compensation office (fictional), AHV/IV/EO payment on account Q3Ref. On account Q3/20265700Social insurance2000CreditorsCHF 9,870.00–Booked
30 Sep 2026Swissline Telekom (fictional), SeptemberRef. SL-2026-096510Telecommunications2000CreditorsCHF 129.00CHF 9.678.1%Booked
29 Sep 2026Payment received from Brunner-Alt family, HinwilRef. RE-2026-01861020Bank1100DebtorsCHF 4,459.13–Booked
28 Sep 2026Backstube Chriesibaum (fictional), shop painting and facade letteringRef. RE-2026-01931100Debtors3000Production revenueCHF 4,648.30CHF 348.308.1%Booked
25 Sep 2026Payroll September, 6 employees, net pay5000Wages1020BankCHF 33,500.00–Booked
25 Sep 2026Payment received from Architekturbüro Musterhalde AG (fictional)Ref. RE-2026-01821020Bank1100DebtorsCHF 70,048.80–Booked
24 Sep 2026Gerüstbau Rietwies (fictional), facade scaffolding MusterhaldeRef. GR-2026-3184400Subcontracted services2000CreditorsCHF 1,296.00CHF 97.118.1%Booked
23 Sep 2026Tankstelle Hinwil (fictional), diesel for van6200Vehicle expenses1020BankCHF 129.72CHF 9.728.1%Booked
23 Sep 2026Liegenschaftsverwaltung Rosenweg (fictional), stairwell, block of flats MusterstrasseRef. RE-2026-01921100Debtors3000Production revenueCHF 43,964.27CHF 3,294.278.1%Booked
19 Sep 2026Architekturbüro Musterhalde AG (fictional), facade, block of flats Rüti, phase 1Ref. RE-2026-01911100Debtors3000Production revenueCHF 13,404.40CHF 1,004.408.1%Booked
16 Sep 2026Hotel Bergsicht (fictional), Davos, out-of-town job, 2 nights6640Travel expenses1020BankCHF 378.00CHF 13.843.8%Booked
Total, 56 entries (14 shown)CHF 830,550.57CHF 32,862.93

Debit and credit in one sentence

Focus a row and press ?, or select the question mark at the end of the row. The explanation appears here, together with a plain-language description of both accounts.

03Bank reconciliation

The demo recognises part and combined payments and says why.

On the left, the bank transactions following camt.053 logic; on the right, the open items. Every suggestion comes with a one-sentence reason; “Accept” books it and updates the key figures, journal, VAT and cash flow.

Transactions, Demo Bank

7 of 7 unmatched
DateDescription and reasonAmount and suggestion
30 SepAccount fee September, Demo BankBank account fee, no receipt needed: account 6940 Bank charges.−12.50Rule
1 OctQR-bill credit, Steiner-HuberQR reference 20260 1871Reference matches, amount is CHF 404.85 lower: part payment of RE-2026-0187, balance of CHF 404.85 remains outstanding.+7,000.00Part payment
1 OctImmobilien Oberland AG (fictional), workshop rent OctoberAmount and name match the receipt from Immobilien Oberland AG (fictional) dated 1 Oct 2026, which is still in the pile: “Accept” books the receipt and the payment together.−3,400.00Receipt in pile
2 OctQR-bill credit, Architekturbüro Musterhalde AGQR reference 20260 1919Reference matches, amount CHF 13,404.40 matches RE-2026-0191 exactly: payment in full.+13,404.40Reference
2 OctTransfer from Liegenschaftsverwaltung Rosenweg, “September invoices”Name matches, amount CHF 1,768.50 is the total of RE-2026-0179 and RE-2026-0184: combined payment, split between both.+1,768.50Combined payment
2 OctFarbenhandel Nordfarb AG, invoice 28 SepAmount and name match the receipt from Farbenhandel Nordfarb AG (fictional) dated 28 Sep 2026, which is still in the pile: “Accept” books the receipt and the payment together, input tax CHF 240.95.−3,215.70Receipt in pile
3 OctTWINT credit, no referenceNo reference; amount CHF 1,599.88 matches RE-2026-0195 (Physiotherapie am Beispielplatz (fictional)) exactly: suggested on the basis of the amount, please check the sender.+1,599.88Amount

Suggestion for Thu 1 Oct

+7,000.00 QR-bill credit, Steiner-Huber

Part payment

Reference matches, amount is CHF 404.85 lower: part payment of RE-2026-0187, balance of CHF 404.85 remains outstanding.

Match to

Selected CHF 7,404.85, payment CHF 7,000.00: balance of CHF 404.85 remains outstanding.

Undo with Ctrl+Z or from the strip at the top.

Open items, debtors

Total CHF 28,825.93
Customer and invoiceDueOutstanding
Liegenschaftsverwaltung RosenwegRE-2026-0179: Stairwell repairs2 Sep 202631 days overdueCHF 528.50
Steiner-Huber familyRE-2026-0187: Interior painting of a flat, 3 rooms and hallway25 Sep 20268 days overdueCHF 7,404.85
Liegenschaftsverwaltung RosenwegRE-2026-0184: Spray-finished doors, 6 items10 Oct 2026CHF 1,240.00
Physiotherapie am Beispielplatz (fictional)RE-2026-0195: Wall painting, practice rooms15 Oct 2026CHF 1,599.88
Architekturbüro Musterhalde AGRE-2026-0191: Facade, block of flats Rüti, phase 119 Oct 2026CHF 13,404.40
Backstube Chriesibaum (fictional)RE-2026-0193: Shop painting and facade lettering28 Oct 2026CHF 4,648.30

Highlighted rows are the target items of the selected suggestion. Part payments leave a balance outstanding.

04Open items and reminders

Control, not conflict: the reminder is created as a draft.

Ageing by due date, age in days and a letter with a new deadline and a payment part. No fees, nothing sent.

  • 0–30 dayswithin payment terms
    CHF 20,892.584 invoices
  • 31–60 daysfirst reminder
    CHF 7,404.851 invoice
  • over 60 daysreminder stage 2
    CHF 528.501 invoice

Debtors

Outstanding CHF 28,825.93
InvoiceCustomerDueOutstandingStatus
RE-2026-0179Stairwell repairsLiegenschaftsverwaltung RosenwegWetzikon2 Sep 2026Invoiced 3 Aug 2026CHF 528.50of CHF 528.50Reminder stage 2 sent, deadline 4 Oct 2026
RE-2026-0187Interior painting of a flat, 3 rooms and hallwaySteiner-Huber familyHinwil25 Sep 2026Invoiced 26 Aug 2026CHF 7,404.85of CHF 7,404.85First reminder due
RE-2026-0184Spray-finished doors, 6 itemsLiegenschaftsverwaltung RosenwegWetzikon10 Oct 2026Invoiced 10 Sep 2026CHF 1,240.00of CHF 1,240.00Open, not yet due
RE-2026-0195Wall painting, practice roomsPhysiotherapie am Beispielplatz (fictional)Zurich15 Oct 2026Invoiced 15 Sep 2026CHF 1,599.88of CHF 1,599.88Open, not yet due
RE-2026-0191Facade, block of flats Rüti, phase 1Architekturbüro Musterhalde AGUster19 Oct 2026Invoiced 19 Sep 2026CHF 13,404.40of CHF 13,404.40Open, not yet due
RE-2026-0193Shop painting and facade letteringBackstube Chriesibaum (fictional)Wetzikon28 Oct 2026Invoiced 28 Sep 2026CHF 4,648.30of CHF 4,648.30Open, not yet due

Payment terms 30 days net. No reminder fees; default interest only as a note: 5% by statute, unless otherwise agreed. Reminders are created here as drafts. Nothing is sent.

Creditors

Outstanding CHF 11,984.00
SupplierReferenceInvoice dateDueAmountStatus
Autoleasing Zürich-Oberland (fictional)LZ-2026-101 Oct 20265 Oct 2026in cash flow planCHF 689.00Open
Gerüstbau Rietwies (fictional)GR-2026-31824 Sep 202624 Oct 2026CHF 1,296.00Open
Swissline Telekom (fictional)SL-2026-0930 Sep 202630 Oct 2026CHF 129.00Open
Compensation office (fictional), AHV/IV/EO payment on account Q3On account Q3/202630 Sep 202616 Nov 2026in cash flow planCHF 9,870.00Open

Payment reminder, draft

05VAT quarter

The quarterly VAT return, box by box, live from the journal.

Effective method, as on the form of the Swiss Federal Tax Administration (SFTA); deadline 60 days after the end of the quarter. Every approved receipt visibly changes box 400 or 405.

SFTA VAT return Q3 2026, effective method

1 Jul 2026 to 30 Sep 2026, 53 entries

Pending, live from the journal

Deadline 30 Nov 2026

BoxDescriptionAmount
200Total turnoverCHF 268,400.00
302Tax at 8.1%CHF 21,740.40
400Input tax on materials and servicesInput tax, materials and servicesInput tax is deductedCHF 9,631.83
405Input tax on investments and other operating costsInput tax, investments and otherInput tax is deductedCHF 1,439.07
500Amount payable302 minus 400 and 405CHF 10,669.50

Input tax by rate

  • 8.1% standard rateCHF 11,057.06
  • 3.8% accommodation rate (hotel)CHF 13.84
  • 2.6% reduced rate (specialist book)CHF 0.00

No VAT, not taxable

  • 6000 Rent (no option to tax)CHF 10,200.00
  • 5700 Social insurance (AHV payment on account)CHF 19,740.00
  • 5000 WagesCHF 100,500.00
  • 6940 Bank chargesCHF 25.00

06Invoice with QR-bill payment part

The payment part redraws as you type.

Mandatory details, business ID (UID) with the VAT suffix, and a payment part with receipt to the Swiss QR-bill standard, as a sample. A switch for rounding to 5 centimes.

TotalCHF 624.00
TotalCHF 224.00
TotalCHF 145.50

Indicative rates: painter CHF 96.00 per hour, foreman CHF 112.00 per hour. Demo assumption.

Demo: nothing is sent.
Malergeschäft Tannenberg GmbH (fictional)Dorfstrasse 28, 8340 Hinwil, 044 000 12 34, buero@tannenberg-maler.exampleCHE-123.456.789 VAT
Sample

Physiotherapie am Beispielplatz (fictional) Beispielplatz 3 8004 Zürich

Invoice
RE-2026-0196
Date
3 Oct 2026
Due date
2 Nov 2026
Service period
September 2026

Invoice RE-2026-0196: Touch-up work, hallway and waiting area

ItemQtyUnitUnit priceAmount
Painting work, painter6.5h96.00624.00
Foreman, on-site supervision2h112.00224.00
Matt emulsion, white, 10 l3pcs48.50145.50
SubtotalCHF 993.50VAT 8.1%CHF 80.47Total incl. VATCHF 1,073.97

Payment due within 30 days net to CH00 3000 0000 0000 0000 0, Demo Bank. Fictional invoice from a fictional business, worked example.

Receipt

Account / Payable to

CH00 3000 0000 0000 0000 0 Malergeschäft Tannenberg GmbH (fictional) Dorfstrasse 28 8340 Hinwil

Reference

00 00000 00000 00000 02026 01966

Payable by

Physiotherapie am Beispielplatz (fictional) Beispielplatz 3 8004 Zürich

CurrencyCHF
Amount1 073.97

Acceptance point

Payment part

CurrencyCHF
Amount1 073.97
Account / Payable to

CH00 3000 0000 0000 0000 0 Malergeschäft Tannenberg GmbH (fictional) Dorfstrasse 28 8340 Hinwil

Reference

00 00000 00000 00000 02026 01966

Additional information

Invoice RE-2026-0196

Payable by

Physiotherapie am Beispielplatz (fictional) Beispielplatz 3 8004 Zürich

Website demo: how an enquiry became an invoice

07Cash flow over 13 weeks and handover

The November dip as an aid to decisions, not a forecast.

Wages, the AHV payment on account and VAT payable fall due together. The slider shows what happens when customers pay later. Every bank match and every approval affects the curve.

Week 9 of 13 is the tightest: CHF 943.80, below the buffer.

Opening balance CHF 48,320.15 on 5 Oct 2026, minimum buffer CHF 25,000.00, nine weeks below the buffer.

Calculated scenario, not a promise
Cash flow over 13 weeks from 5 Oct 2026Lowest point in week 9 (calendar week 49, from 30 Nov 2026): CHF 943.80, below the buffer of CHF 25,000.00. Assumption: customers pay 0 days later than agreed. A calculated scenario, not a promise.0k13k26k39k52kMinimum buffer CHF 25,000.00Low point CHF 943.80Wk 41Wk 42Wk 43Wk 44Wk 45Wk 46Wk 47Wk 48Wk 49Wk 50Wk 51Wk 52Wk 53

Lowest point in week 9 (calendar week 49, from 30 Nov 2026): CHF 943.80, below the buffer of CHF 25,000.00. Assumption: customers pay 0 days later than agreed. A calculated scenario, not a promise.

Weekly figures and items
WeekFromIncomingOutgoingBalanceItems
Week 41Mon 5 Oct+404.85−689.00CHF 48,036.00RE-2026-0187 Steiner-Huber family; Van lease payment
Week 42Mon 12 Oct––CHF 48,036.00
Week 43Mon 19 Oct–−34,796.00CHF 13,240.00Gerüstbau Rietwies; Payroll, 6 employees, net pay (estimate)
Week 44Mon 26 Oct+4,648.30−3,529.00CHF 14,359.30RE-2026-0193 Backstube Chriesibaum (fictional); Swissline Telekom; Workshop and storeroom rent
Week 45Mon 2 Nov–−689.00CHF 13,670.30Van lease payment
Week 46Mon 9 Nov+12,972.00–CHF 26,642.30Wohnbaugenossenschaft Lindenhof, stairwell, block B (planned invoice)
Week 47Mon 16 Nov–−9,870.00CHF 16,772.30AHV/IV/EO payment on account Q3
Week 48Mon 23 Nov+32,430.00−33,500.00CHF 15,702.30Architekturbüro Musterhalde AG, facade, block of flats Rüti, phase 2 (planned invoice); Payroll, 6 employees, net pay (estimate)
Week 49Mon 30 Nov–−14,758.50CHF 943.80Workshop and storeroom rent; Van lease payment; VAT payable Q3 (from the return)
Week 50Mon 7 Dec+9,729.00–CHF 10,672.80Garage Rietwies AG, office and reception (planned invoice)
Week 51Mon 14 Dec+21,620.00–CHF 32,292.80Kita Sunneschyn, facade of the pavilion (planned invoice)
Week 52Mon 21 Dec+10,810.00−33,500.00CHF 9,602.80Gross-Weber family, Wetzikon, garage and canopy (planned invoice); Payroll, 6 employees, net pay (estimate)
Week 53Mon 28 Dec–−3,400.00CHF 6,202.80Workshop and storeroom rent

Incoming: open items on their due date and planned invoices from current jobs (demo assumption). Outgoing: payroll on the 25th (estimate), rent on the 1st, leasing on the 5th, AHV payment on account on 16 November, VAT payable on 30 November. Payments already received but not yet matched are part of the opening balance and are not counted twice.

The mark at 15 days is a demo assumption, not an industry figure. With motion paused, the curve jumps.

Handover to the accountant

Journal as CSV with semicolons, UTF-8 and ISO dates, or printed to go in the quarterly file.

Command palette

Esc

For your business

Which of these do you need?

What you tried in this demo, and what it would look like with FehabLabs. Guide prices exclude licences and hosting; the scope is set out in the quote.

Web presence

Your documents in your own design

Website, invoice and letter templates with the same look. The QR-bill you typed here is part of it.

In this demo

  • Invoice with QR-bill payment part created
  • Invoice or draft printed

Guide priceCHF 3,900

Discuss your web presence

Website and automated processing

Connected workflows with control

Invoice from the job, draft reminder from the due date, journal and export for the accountant: steps between your systems in which you check and approve.

In this demo

  • Payment reminder prepared
  • Journal entry explained
  • Journal exported or copied
  • Cash flow scenario adjusted

Guide priceCHF 9,900

Discuss your workflow

Pilot

Receipt recognition and bank reconciliation

Receipt recognition, duplicate checks and bank reconciliation depend on your receipts, your bank and your accountant. We set the scope and price after a conversation; the VAT return stays with the specialist.

In this demo

  • Receipt dropped and approved
  • Bank transaction matched

Scope and priceby agreement

Discuss a pilot

The guide prices are for orientation. Scope, interfaces, dates and any VAT are set out in the quote for your project. Licences, hosting and additional services are listed separately. A single existing workflow can also be a sensible starting point.

After launch: Operation and improvement as separately agreed care, guide price CHF 490 per month with up to two hours for defined checks, analysis and adjustments. Together we agree what the care should achieve and exactly what it covers.

Reset the demo?

All changes in this demo session will be discarded. The sample data returns to its starting state.