qonto

Board-ready finance numbers for Qonto customers: cash, burn, runway, recurring revenue, and what is owed on each side, computed by Well across Qonto and every other connected bank and tool.

1 skill · 1 MCP server

Finds the money a business can stop spending: true recurring run-rate, duplicate tools, ghost and new subscriptions, price increases and FX fees, with a ranked savings plan, cheaper alternatives and cancellation messages. Read-only.

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Quote-to-cash for French building trades: compliant quotes (VAT 20, 10, 5.5 percent or reverse charge, ten-year insurance mention), then deposit, progress and final invoices linked to the quote, retention tracking and payment links. Nothing is sent: quotes unsent, invoices as drafts, each confirmed by the user.

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13-week cash forecast built client by client: real payment delays, recurring flows learned from history, base, stress and upside scenarios, lowest week, actions to take, and a 12-month outlook. Read-only.

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Tells a founder how much the business can afford to pay them this month and next quarter, after commitments, tax provisions and a safety buffer, and compares the ways to take it by legal form (France). Read-only.

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Turn a sales meeting artifact (transcript, notes, calendar event) into a Qonto quote and, on acceptance, a finalized invoice sent from Qonto — with VAT handled per country and a confirmation before every write.

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Find money frozen in unpaid invoices and settle it without bank transfers. Builds a clearing ledger from Qonto client and supplier invoices, detects bilateral set-off opportunities (counterparties that are both client and supplier), previews multilateral clearing cycles across the network, and…

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Read-only fixed-asset register and insurance inventory built from Qonto transactions and supplier invoices.

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Monthly investor and banker update generator for Qonto accounts. From one prompt, builds the full board pack — the month's numbers (cash in, spend by category, end-of-month cash, burn & runway), month-over-month and rolling-year comparisons, auto-detected highlights (big contract collected, new…

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Spend-based carbon footprint estimator for Qonto accounts. Classifies real debits into emission categories (energy, travel, digital & cloud, purchased goods, services, catering) and applies sourced, dated monetary emission factors (kgCO2e/€, ADEME-style spend-based method) to produce an approximate…

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One-prompt CEO cockpit for Qonto accounts. Builds a self-contained interactive HTML dashboard of the whole company — where money comes from and where it goes (month + year flow view), month/year/forecast cards, a 3-month projection from recurring flows and open invoices, a live day-rate ×…

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End-to-end payment dispute handling for Qonto accounts. Detects open chargebacks (via a Stripe/PayPal MCP when connected, otherwise by spotting clawback debits in Qonto transactions), finds the matching debit, assembles a sourced defense file (Shopify order, proof of delivery, Gmail customer…

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Legal-health radar for the clients and suppliers of a Qonto account. Ranks every counterparty by real exposure (unpaid client invoices, supplier commitments, recurring spend), measures actual payment delays against due dates, and — when a Datagouv MCP is available — cross-checks French public…

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One-sentence financial onboarding (and offboarding) of an employee on Qonto. Reads a per-role policy defined once with the user (card caps, online-only, team), then on "Alex starts Monday as a developer" it invites the member, creates the team if new, and prepares a capped card request that…

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French e-invoicing readiness audit for Qonto accounts. From 2026-09-01 every French VAT-registered company must be able to RECEIVE electronic invoices (issuing becomes mandatory 2026-09-01 for large companies and mid-caps, 2027-09-01 for SMEs). The skill scores the account's readiness — client…

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Proactive tax co-pilot for a Qonto business account: detects the organization's country and legal form, scans a period's transactions and surfaces the tax reflexes a founder forgets (mileage, reverse-charge VAT on foreign SaaS, missing invoices, non-recoverable hotel VAT) plus under-used tax breaks, each with its source. Read-only on Qonto; writes the transactions to a local JSON file for its trigger script, reads receipts via get_attachment and optionally searches sanitized merchant names to resolve cities after user confirmation. Advisory only — not tax or financial advice.

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Public-funding scout for Qonto accounts. Builds the company's real profile from the account — sector, location, size, actual spending structure (training, equipment, digital, hiring, export, energy) — then cross-references it with French public aid referentials on data.gouv.fr (via the Datagouv MCP…

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Intelligent late-invoice chaser for Qonto accounts. Detects overdue client invoices, cross-checks them against real incoming transactions (an "unpaid" invoice may already be paid — proposes marking it), profiles each client's payment behavior, then drafts the right graduated reminder — courteous…

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Legal expiry radar for unpaid client invoices on Qonto accounts (France). Every unpaid invoice has a legal death date — 5 years between businesses (art. L110-4 French Commercial Code), 2 years against a consumer (art. L218-2 French Consumer Code). The skill scans the full invoice history, qualifies…

1 skill

Receipt hunter for Qonto accounts. Finds transactions missing their receipt, ranks them by urgency (recoverable VAT at stake, amount, age), then hunts the original receipts down in connected sources — Gmail (merchant/amount/date search around the purchase date) and Google Drive — and attaches each…

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Batch expense reimbursement for teams on Qonto. Checks claims against a finance-controlled verified recipient list, receipts, duplicates and expense policy; prepares one pending grouped transfer request after explicit confirmation. Review every destination and amount in Qonto before SCA approval.

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GDPR Article 30 register drafted from a Qonto account's spending. Detects the SaaS tools that process personal data (CRM, email marketing, analytics, AI, cloud, payroll, support) in the debits, classifies them by processing activity (purpose, typical data categories, EU / non-EU vendor location)…

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Sector health check-up for Qonto accounts. Computes the company's real ratios from transactions and invoices (fixed-cost share, software subscription weight, observed client payment delay, revenue seasonality, cash in days of expenses) and compares them against official French sector statistics…

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Complete recurring-spend audit for Qonto accounts. Inventories every recurring charge (cards AND direct debits) over 24–36 months, computes the TOTAL annualized subscription cost, classifies each line (✅ active · 👥 duplicate · 🧟 zombie, always user-confirmed · 🎣 trial gone paid), catches nascent…

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Forensic audit of supplier invoices and payments on a Qonto account. Sweeps every supplier invoice and every debit to find money leaking out — duplicate invoices, invoices paid twice, invoice-vs-payment amount gaps, and the highest-value security signal, a known supplier whose payment IBAN suddenly…

1 skill

Customer-support billing desk for Qonto accounts. Takes a customer billing complaint (invoice not received, expired payment link, double charge), from Intercom or pasted into the chat, checks the facts against Qonto invoices, payment links and transactions, then proposes the fix (resend the invoice, a fresh payment link, or a credit note when a double charge is proven) and drafts the customer reply. Every write is confirmed by the user first.

1 skill

French tax radar and cash pilot for Qonto accounts. Builds a dated, amount-estimated tax schedule (VAT, corporate tax instalments, CFE, dividend flat tax), projects the next 90 days of cash, computes the month's tax provision, and — with explicit user consent — creates a transfer request to a…

1 skill

French tax pre-audit ("pré-contrôle fiscal") for Qonto accounts, 100% read-only. Screens transactions against the 8 verification axes real DGFIP auditors use — lavish expenses, personal spending booked as business, director's current account, VAT deducted vs receipts on file, benefits in kind…

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French VAT return (CA3, form 3310-CA3) preparer for Qonto accounts. Builds the declaration box by box from real account data — collected VAT per rate (20/10/5.5/2.1%), deductible VAT (goods & services, fixed assets), net VAT payable or credit to carry forward — as a "form box → amount →…

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Manages guarded accounts receivable in Qonto for French businesses. Audits client readiness, verifies French and EU business identity, prepares compliant invoices and quotes, creates invoice-linked payment pages, drafts contextual invoice emails, checks payments, and prepares overdue reminders. Use…

1 skill