NOVIS by Lumea  ·  Governance & Cashflow Operating System

Between structure and its truth.

A proprietary system that reconstructs what is actually true — from source documents, across every entity, in every jurisdiction.

NOVIS maps ownership structures from source documents, derives expected cashflows from contracts, and evaluates whether what happened matches what should have — each entity, each document, each cash flow.

What every document gets — a verdict
EXT
Registry Extract · CHE-471.830.267
Entity matched · Signatory confirmed · Anchor A01–A04 fired
Verified
How Verified is earned
Anchors are rules that extract specific facts from a document and map them to a legal entity. Every anchor has to resolve. When they do, the document earns Verified.
DocumentRegistry Extract · COMMERCIAL_REGISTRY
Entity resolvedLacunar Services SA · HIGH confidence
Anchors firedA01 A02 A03 A04 · all resolved
VerdictVerified
INV
Invoice BON-2026-014 · CHF 3,200
Contract gross CHF 3,080 · Delta CHF 120 uncontracted
Mismatch
What Mismatch means
The retainer contract sets the expected gross at CHF 3,080. The invoice claims CHF 3,200. The CHF 120 gap has no amendment behind it. NOVIS flags it and suggests requesting a credit note or a signed amendment.
Contract grossCHF 3,080.00
Invoice grossCHF 3,200.00
Uncontracted delta+ CHF 120.00
Amendment foundNone
VerdictMismatch · action required
Outflow CHF 12,000 · 08.03.2026
No document linked · Counterparty not identified
Missing
What Missing means
CHF 12,000 left the account on 08.03.2026. No invoice. No contract. No counterparty. NOVIS won't guess. It records the gap, names it Missing, and surfaces it for action.
Bank outflow– CHF 12,000 · 08.03.2026
Document linkedNone
CounterpartyNot identified
VerdictMissing · escalate
Every output is earned. Nothing is assumed.
Scroll to explore the full pipeline
How outputs are earned

The flow is
the last thing we trust.

NOVIS does not evaluate a flow until it knows who the parties are, what the contract says, and whether the documents hold. Select a document below to see what that looks like — step by step, for one entity.

Document repository · Lacunar Services SA
Registry+
MUT
Mutation Notice
REGISTRY_MUTATION · 14.03.2025
EXT
Registry Extract · Lacunar Services SA
COMMERCIAL_REGISTRY · 15.03.2024
Contracts+
LSE
Lease Agreement
LEASE_AGREEMENTS · 01.01.2024
LNA
Shareholder Loan Agreement
SHAREHOLDER_LOAN_AGRM · 01.06.2024
Invoices+
INV
Sales Invoice MGT-2025-Q3
SALES_INVOICES · 31.10.2025
INV
Invoice BON-2026-014 ⚠
INVOICES_PAYMENT_ORD · 15.02.2026
Governance+
RES
Board Resolution
MEETING_SUMMARIES · 15.12.2024
Select a document to process
PDF
PDF
1
Document classification
2
Anchors fired · Facts extracted
3
Entity matching
4
Attachment outcome
Select a document on the left to begin.
0 / 7 processed
Structure view

Structure as it
actually exists.

Each node reflects what is known, what is partial, and what is absent — drawn from source documents, not from assumption. Click any entity to inspect its state.

Verified
Partial
Missing
Veltarn Holdings Not identified Ostfeld Capital SA CHE-108.742.395 · CH Meridian Groupe SA CHE-294.517.803 · CH Brennweg Conseil Sàrl LU-2019.8841 · LU Lacunar Services SA CHE-471.830.267 · CH Veltarn I— · — Veltarn II— · — Crestline Property SACHE-382.051.749 · CH Norfeld AGCHE-619.374.082 · CH Altweg Immobilier SACHE-247.903.516 · CH Fontarc RealtyExtract missing Cashflows linked Docs reconciled
Documents
+
Cashflows
+
Alerts
+
Actions
+
State of control
Cashflow Validation — Lacunar Group  ·  Q1 2025 – Q4 2027
Lacunar Group 01.01.2025 — 31.12.2027 · 28 flows · 15 actual · 13 forecast
4 Unresolved
Flow TypeCounterpartyAmountDateStatusEvidence
Shareholder Loan
Meridian Groupe SA
+ CHF 50,000
01.06.2024
Verified
Loan agreement SHA-LOAN-2024
+
LNA
SHA-LOAN-2024 · Shareholder loan agreement · 01.06.2024 · Drawdown CHF 50,000 · Lender: Meridian Groupe SA
Verified
Flow reconciled. Loan agreement confirms amount, lender identity and drawdown date. Counterparty entity resolved in structure.
No action required
Advisory fee received
External mandate
+ CHF 30,000
30.06.2025
Verified
Mandate agreement VE-2024-07
+
DOC
Mandate VE-2024-07 · 01.06.2024 · Caldris Advisory Sàrl
Net amount
CHF 27,272.73
VAT 10%
CHF 2,727.27
Gross received
CHF 30,000.00
Verified
Flow reconciled. Bank receipt matches gross amount. Mandate confirms net rate and counterparty.
No action required
Dividend — Crestline Property
Crestline Property SA
+ CHF 28,000
15.01.2025
Verified
Board resolution SPV-C-2024
+
RES
Board resolution SPV-C-2024 · 15.12.2024 · Dividend declared CHF 28,000 · Crestline Property SA → Lacunar Group
Verified
Flow reconciled. Board resolution confirms amount and distribution direction. Mirror entry confirmed on Crestline Property SA ledger.
No action required
Dividend — Norfeld AG
Norfeld AG
+ CHF 45,000
15.01.2025
Verified
Board resolution SPV-I-2024
+
RES
Board resolution SPV-I-2024 · 15.12.2024 · Dividend declared CHF 45,000 · Norfeld AG → Lacunar Group
Verified
Flow reconciled. Board resolution confirms amount and direction. Mirror entry confirmed on Norfeld AG ledger.
No action required
Mgmt fee — Q3 2025
Crestline Property SA
+ CHF 3,600
31.10.2025
Late
MGT-2024 · quarterly · Q3 2025
+
MGT
MGT-2024 · Management agreement · 01.06.2025 · CHF 1,200/month · quarterly payment
Net amount
CHF 3,272.73
VAT 10%
CHF 327.27
Gross received
CHF 3,600.00
ALT
Payment overdue alert · Q3 2025 invoice due 01.09.2025 — no bank receipt observed. Automatic alert triggered at T+30 days. Escalated to relationship manager.
RSV
Alert resolved · Payment received 31.10.2025 — 60 days late. Bank receipt CHF 3,600 matched to Q3 2025 invoice. Flow reconciled. Late payment noted in audit trail.
Verified
Late payment — flow reconciled. Quarterly management fee for Q3 2025. Payment received 31.10.2025 (60 days late). Alert raised and resolved.
Late payment recorded — 31.10.2025
Mgmt fee — Q4 2025
Crestline Property SA
+ CHF 3,600
01.12.2025
Verified
MGT-2024 · quarterly · Q4 2025
+
MGT
MGT-2024 · Management agreement · 01.06.2025 · CHF 1,200/month · quarterly payment
Net amount
CHF 3,272.73
VAT 10%
CHF 327.27
Gross received
CHF 3,600.00
Verified
Flow reconciled. Quarterly management fee for Q4 2025. Receipt confirms gross amount. MGT-2024 contract on file.
No action required
Mgmt fee — Q1 2026
Crestline Property SA
+ CHF 3,600
30.04.2026
Late
MGT-2024 · quarterly · Q1 2026
+
MGT
MGT-2024 · Management agreement · 01.06.2025 · CHF 1,200/month · quarterly payment
Net amount
CHF 3,272.73
VAT 10%
CHF 327.27
Gross received
CHF 3,600.00
ALT
Payment overdue alert · Q1 2026 invoice due 01.03.2026 — no bank receipt observed. Automatic alert triggered at T+30 days. Escalated to relationship manager.
RSV
Alert resolved · Payment received 30.04.2026 — 60 days late. Bank receipt CHF 3,600 matched to Q1 2026 invoice. Flow reconciled. Late payment noted in audit trail.
Verified
Late payment — flow reconciled. Quarterly management fee for Q1 2026. Payment received 30.04.2026 (60 days late). Alert raised and resolved.
Late payment recorded — 30.04.2026
Loan repayment
Korund Participations SA (unverified)
– CHF 28,500
15.09.2025
Partial
Loan agreement · counterparty unresolved
+
DOC
Loan agreement · CHF 28,500 · 15.09.2024 · Document linked — counterparty entity not resolved
Principal (est.)
CHF 26,847.32
Interest (est.)
CHF 1,652.68
Total outflow
CHF 28,500.00
⚠ Breakdown estimated — no loan schedule on file. Principal/interest split unconfirmed.
GAP
Counterparty unresolved · Korund Participations SA not matched to any entity in the structure · As a SA, shareholders are not disclosed in the commercial registry — UBO declaration required
TRG
Classification trigger · Interest/principal breakdown cannot be confirmed without loan schedule. P&L vs balance sheet treatment unresolved — flow cannot be correctly classified until source document is provided.
Partial
Flow partially confirmed. Amount and document reference are present. Repayment breakdown is estimated only — no amortisation schedule or loan contract is on file to confirm the interest/principal split. Counterparty beneficial ownership also unconfirmed.
Obtain loan schedule from Korund Participations SA · Request UBO declaration
Invoice — Legal Fees
Étude Marchand & Associés SA
– CHF 3,200
15.02.2026
Mismatch
Invoice BON-2026-014 · contract CHF 2,800
+
INV
Invoice BON-2026-014 · Étude Marchand & Associés SA · 15.02.2026
Net amount
CHF 2,909.09
VAT 10%
CHF 290.91
Gross invoiced
CHF 3,200.00
CTR
Retainer BON-2024-A · contracted rate
Net contracted
CHF 2,800.00
VAT 10%
CHF 280.00
Gross expected
CHF 3,080.00
Delta (gross)
+ CHF 120.00
Mismatch
Invoice exceeds contracted rate. Bank flow matches invoice gross (CHF 3,200). Contract gross is CHF 3,080. Uncontracted delta CHF 120 — no amendment found.
Request credit note · or obtain signed amendment
Corporate secretarial
Fiduciaire Albach SA
– CHF 3,600 / yr
01.01.2026
Verified
Invoice VER-2026-001
+
INV
Invoice VER-2026-001 · Fiduciaire Albach SA · 01.01.2026
Net amount
CHF 3,272.73
VAT 10%
CHF 327.27
Gross invoiced
CHF 3,600.00
Verified
Flow reconciled. Invoice gross matches bank payment. Service contract on file confirms annual fee and provider identity.
No action required
Unknown
Unidentified
– CHF 12,000
08.03.2026
Missing
No document linked
+
GAP
No document linked · Outflow CHF 12,000 · 08.03.2026 · Counterparty not identified
Missing
Flow unresolved. No invoice, contract or payment instruction found. Counterparty identity unknown. Cannot be reconciled in current state.
Identify counterparty · link source document · escalate if unresolved
Loan interest — SHA-LOAN-2024
Meridian Groupe SA
– CHF 1,250
01.06.2025
Verified
SHA-LOAN-2024 · 5% p.a. · H1 2025
+
LNA
SHA-LOAN-2024 · Shareholder loan · 01.06.2024 · Facility CHF 50,000
Principal outstanding
CHF 50,000.00
Interest rate (p.a.)
5.00%
Period
01.12.2024 – 01.06.2025 (6 months)
Interest due
CHF 1,250.00
Verified
Flow reconciled. Half-yearly interest on SHA-LOAN-2024 at 5% p.a. on CHF 50,000. Payment 2 of 2 in period — due and confirmed 01.06.2025.
No action required
Loan interest — SHA-LOAN-2024
Meridian Groupe SA
– CHF 1,250
01.12.2025
Verified
SHA-LOAN-2024 · 5% p.a. · H2 2025
+
LNA
SHA-LOAN-2024 · Shareholder loan · 01.06.2024 · Facility CHF 50,000
Principal outstanding
CHF 50,000.00
Interest rate (p.a.)
5.00%
Period
01.06.2025 – 01.12.2025 (6 months)
Interest due
CHF 1,250.00
Verified
Flow reconciled. Half-yearly interest on SHA-LOAN-2024 at 5% p.a. on CHF 50,000. Payment 3 of 2 in period — due and confirmed 01.12.2025.
No action required
Rent income — Q1 2026
Crestline Property SA
+ CHF 15,000
01.01.2026
Verified
Lease Agreement · quarterly · Q1 2026
+
LSE
Lease Agreement · LEASE_AGREEMENT · Crestline Property SA
Start date
01.12.2025
End date
30.11.2026
Monthly rent
CHF 5,000.00
Frequency
Quarterly
Q1 period
Jan – Mar 2026 (3 months)
Q1 payment received
CHF 15,000.00
Verified
Flow reconciled. Quarterly rent payment for Q1 2026 (January–March) received from Crestline Property SA. Lease Agreement confirms CHF 5,000/month, quarterly frequency, effective 01.12.2025. Amount CHF 15,000 consistent with contracted terms.
No action required
Service fee — MSA-2023
Meridian Groupe SA
Overdue
31.12.2025
Overdue
MSA-2023 on file · no payment observed
+
MSA
MSA-2023 · Service Agreement · Meridian Groupe SA · 01.01.2023 · Document linked — no corresponding cashflow found in period
TRG
Carry-forward / Aging flag · Service agreement MSA-2023 implies a periodic fee obligation. No payment has been observed within the Q1 2025 – Q1 2026 window. Fee may be accrued unpaid, waived, or settled outside this entity — document does not specify direction or amount. Requires clarification.
Missing
Shadow cashflow — document without payment. MSA-2023 is on file and creates a contractual expectation. No corresponding bank flow, invoice or credit note identified within period. Cannot determine whether fee is receivable or payable, nor confirm amount.
Confirm fee direction and amount · Obtain invoice or waiver confirmation · Flag for aging review if overdue
Mgmt fee — Q2 2026
Crestline Property SA
+ CHF 3,600
01.06.2026
Forecast
MGT-2024 · quarterly · Q2 2026
+
MGT
MGT-2024 · Management agreement · Quarterly fee CHF 3,600 (3 × CHF 1,200) · Forecast derived from contract
Forecast
Quarterly management fee Q2 2026 — derived from MGT-2024. Not yet invoiced or received.
No action required until due date
Mgmt fee — Q3 2026
Crestline Property SA
+ CHF 3,600
01.09.2026
Forecast
MGT-2024 · quarterly · Q3 2026
+
MGT
MGT-2024 · Management agreement · Quarterly fee CHF 3,600 (3 × CHF 1,200) · Forecast derived from contract
Forecast
Quarterly management fee Q3 2026 — derived from MGT-2024. Not yet invoiced or received.
No action required until due date
Mgmt fee — Q4 2026
Crestline Property SA
+ CHF 3,600
01.12.2026
Forecast
MGT-2024 · quarterly · Q4 2026
+
MGT
MGT-2024 · Management agreement · Quarterly fee CHF 3,600 (3 × CHF 1,200) · Forecast derived from contract
Forecast
Quarterly management fee Q4 2026 — derived from MGT-2024. Not yet invoiced or received.
No action required until due date
Mgmt fee — Q1 2027
Crestline Property SA
+ CHF 3,600
01.03.2027
Forecast
MGT-2024 · quarterly · Q1 2027
+
MGT
MGT-2024 · Management agreement · Quarterly fee CHF 3,600 (3 × CHF 1,200) · Forecast derived from contract
Forecast
Quarterly management fee Q1 2027 — derived from MGT-2024. Not yet invoiced or received.
No action required until due date
Mgmt fee — Q2 2027
Crestline Property SA
+ CHF 3,600
01.06.2027
Forecast
MGT-2024 · quarterly · Q2 2027
+
MGT
MGT-2024 · Management agreement · Quarterly fee CHF 3,600 (3 × CHF 1,200) · Forecast derived from contract
Forecast
Quarterly management fee Q2 2027 — derived from MGT-2024. Not yet invoiced or received.
No action required until due date
Rent income — Q2 2026
Crestline Property SA
+ CHF 15,000
01.04.2026
Forecast
Lease Agreement · quarterly · Q2 2026
+
LSE
Lease Agreement · Quarterly rent forecast · Apr – Jun 2026 · CHF 5,000/month × 3
Monthly rent
CHF 5,000.00
Period
Apr – Jun 2026
Quarterly forecast
CHF 15,000.00
Forecast
Quarterly rent payment 2 of 4 — derived from Lease Agreement (01.12.2025–30.11.2026). Not yet received. Will be verified upon bank confirmation.
No action required until due date
Loan interest — SHA-LOAN-2024
Meridian Groupe SA
– CHF 1,250
01.06.2026
Forecast
SHA-LOAN-2024 · 5% p.a. · H1 2026
+
LNA
SHA-LOAN-2024 · Forecast derived from contract · CHF 50,000 × 5% p.a. × 6 months
Principal outstanding
CHF 50,000.00
Interest rate (p.a.)
5.00%
Period
01.12.2025 – 01.06.2026
Interest forecast
CHF 1,250.00
Forecast
Interest payment 5 — derived from SHA-LOAN-2024. Not yet due. No bank confirmation available. Will be verified upon receipt.
No action required until due date
Rent income — Q3 2026
Crestline Property SA
+ CHF 15,000
01.07.2026
Forecast
Lease Agreement · quarterly · Q3 2026
+
LSE
Lease Agreement · Quarterly rent forecast · Jul – Sep 2026 · CHF 5,000/month × 3
Monthly rent
CHF 5,000.00
Period
Jul – Sep 2026
Quarterly forecast
CHF 15,000.00
Forecast
Quarterly rent payment 3 of 4 — derived from Lease Agreement (01.12.2025–30.11.2026). Not yet received. Will be verified upon bank confirmation.
No action required until due date
Rent income — Q4 2026
Crestline Property SA
+ CHF 15,000
01.10.2026
Forecast
Lease Agreement · quarterly · Q4 2026
+
LSE
Lease Agreement · Quarterly rent forecast · Oct – Nov 2026 (lease end 30.11.2026) · CHF 5,000/month × 3
Monthly rent
CHF 5,000.00
Period
Oct – Nov 2026 (lease end 30.11.2026)
Quarterly forecast
CHF 15,000.00
Forecast
Quarterly rent payment 4 of 4 — derived from Lease Agreement (01.12.2025–30.11.2026). Not yet received. Will be verified upon bank confirmation.
No action required until due date
Loan interest — SHA-LOAN-2024
Meridian Groupe SA
– CHF 1,250
01.12.2026
Forecast
SHA-LOAN-2024 · 5% p.a. · H2 2026
+
LNA
SHA-LOAN-2024 · Forecast derived from contract · CHF 50,000 × 5% p.a. × 6 months
Principal outstanding
CHF 50,000.00
Interest rate (p.a.)
5.00%
Period
01.06.2026 – 01.12.2026
Interest forecast
CHF 1,250.00
Forecast
Interest payment 6 — derived from SHA-LOAN-2024. Not yet due. No bank confirmation available. Will be verified upon receipt.
No action required until due date
Corporate secretarial
Fiduciaire Albach SA
– CHF 3,600 / yr
01.01.2027
Forecast
Service contract GLS-2024 · annual renewal
+
SVC
GLS-2024 · Service contract · Annual fee CHF 3,600 · Renewal forecast based on prior period invoice VER-2026-001
Forecast
Annual secretarial fee — derived from GLS-2024. Forecast based on prior year invoice. Not yet invoiced for 01.0.
No action required until invoice received
Loan interest — SHA-LOAN-2024
Meridian Groupe SA
– CHF 1,250
01.06.2027
Forecast
SHA-LOAN-2024 · 5% p.a. · H1 2027
+
LNA
SHA-LOAN-2024 · Forecast derived from contract · CHF 50,000 × 5% p.a. × 6 months
Principal outstanding
CHF 50,000.00
Interest rate (p.a.)
5.00%
Period
01.12.2026 – 01.06.2027
Interest forecast
CHF 1,250.00
Forecast
Interest payment 7 — derived from SHA-LOAN-2024. Not yet due. No bank confirmation available. Will be verified upon receipt.
No action required until due date
Loan interest — SHA-LOAN-2024
Meridian Groupe SA
– CHF 1,250
01.12.2027
Forecast
SHA-LOAN-2024 · 5% p.a. · H2 2027
+
LNA
SHA-LOAN-2024 · Forecast derived from contract · CHF 50,000 × 5% p.a. × 6 months
Principal outstanding
CHF 50,000.00
Interest rate (p.a.)
5.00%
Period
01.06.2027 – 01.12.2027
Interest forecast
CHF 1,250.00
Forecast
Interest payment 8 — derived from SHA-LOAN-2024. Not yet due. No bank confirmation available. Will be verified upon receipt.
No action required until due date
Analytics  ·  Lacunar Group  ·  Q1 2025 – Q1 2026
+Revenues
+ CHF 125,091
+ Operating Revenue + 42,364
+ Real Estate Revenue + 15,000
+ Financial Income + 73,000
+Operating expenses
– CHF 6,182
EBITDA + CHF 118,909
+Financial expenses
– CHF 2,500
NET RESULT + CHF 116,409
Below the line — unresolved
+Unresolved
– CHF 12,000
The position
The claim
Every system
trusts its data.
NOVIS interrogates it.
The distinction
A verdict
on every field.
Before you ask for one.
The offer
Your structure.
Reconstructed.
Evaluated. Verified.
Early access · June 2026

Clarity Begins.

A demo built on a real extraction from synthetic entities. The structure, the flows, and the gaps — exactly as the system sees them.

Structured around your own entity perimeter on request.

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