Lacunar Group · Reconstructed from source

The deliverable, on a real structure.

Twelve entities across three jurisdictions. Thirty-five signed documents.
One reconciled period, fully traceable. Open to inspection below.

Structure view

Twelve entities. Three jurisdictions. One source of truth.

Each node carries its verdict. Click to see what supports it.

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
STRUCTURE VIEW — SAMPLE GROUP — 10.04.2026
3 missing 4 partial 5 verified
  • Veltarn Holdings Missing Ultimate parent
  • Ostfeld Capital SA Partial Holdco
  • Meridian Groupe SA Partial Holdco
  • Brennweg Conseil Sàrl Partial Holdco
  • Lacunar Services SA Verified Opco
  • Crestline Property SA Verified SPV · Real estate
  • Norfeld AG Verified SPV · Real estate
— ✕
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Documents —
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Cashflows —
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Alerts —
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Actions —
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Cashflow validation

Every flow. Every verdict. Every document.

Open any row to inspect.

Cashflow Validation  ·  Lacunar Group  ·  Q1 2025 – Q4 2027
Lacunar Group 01.01.2025 — 31.12.2027 · 27 flows · 15 actual · 12 forecast
Flow TypeCounterpartyAmountDateStatusEvidence
Shareholder Loan
Meridian Groupe SA
+ CHF 50,000
10.01.2025
Verified
Loan agreement SHA-LOAN-2025
+
LNA
SHA-LOAN-2025 · Shareholder loan agreement · 10.01.2025 · 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-2025
Meridian Groupe SA
– CHF 1,250
10.07.2025
Verified
SHA-LOAN-2025 · 5% p.a. · H1 2025
+
LNA
SHA-LOAN-2025 · Shareholder loan · 10.01.2025 · Facility CHF 50,000
Principal outstanding
CHF 50,000.00
Interest rate (p.a.)
5.00%
Period
10.01.2025 – 10.07.2025 (6 months)
Interest due
CHF 1,250.00
Verified
Flow reconciled. Half-yearly interest on SHA-LOAN-2025 at 5% p.a. on CHF 50,000. Payment 1 of 5 in period — due and confirmed 10.07.2025.
No action required
Loan interest — SHA-LOAN-2025
Meridian Groupe SA
– CHF 1,250
10.01.2026
Verified
SHA-LOAN-2025 · 5% p.a. · H2 2025
+
LNA
SHA-LOAN-2025 · Shareholder loan · 10.01.2025 · Facility CHF 50,000
Principal outstanding
CHF 50,000.00
Interest rate (p.a.)
5.00%
Period
10.07.2025 – 10.01.2026 (6 months)
Interest due
CHF 1,250.00
Verified
Flow reconciled. Half-yearly interest on SHA-LOAN-2025 at 5% p.a. on CHF 50,000. Payment 2 of 5 in period — due and confirmed 10.01.2026.
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-2025
Meridian Groupe SA
– CHF 1,250
10.07.2026
Forecast
SHA-LOAN-2025 · 5% p.a. · H1 2026
+
LNA
SHA-LOAN-2025 · 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
10.01.2026 – 10.07.2026
Interest forecast
CHF 1,250.00
Forecast
Interest payment 3 of 5 — derived from SHA-LOAN-2025. 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-2025
Meridian Groupe SA
– CHF 1,250
10.01.2027
Forecast
SHA-LOAN-2025 · 5% p.a. · H2 2026
+
LNA
SHA-LOAN-2025 · 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
10.07.2026 – 10.01.2027
Interest forecast
CHF 1,250.00
Forecast
Interest payment 4 of 5 — derived from SHA-LOAN-2025. 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-2025
Meridian Groupe SA
– CHF 1,250
10.07.2027
Forecast
SHA-LOAN-2025 · 5% p.a. · H1 2027
+
LNA
SHA-LOAN-2025 · 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
10.01.2027 – 10.07.2027
Interest forecast
CHF 1,250.00
Forecast
Interest payment 5 of 5 — derived from SHA-LOAN-2025. Not yet due. No bank confirmation available. Will be verified upon receipt.
No action required until due date
"The state of control over these flows, not just their list."
11 verified 1 partial 1 mismatch 1 missing 1 overdue 12 forecast
Analytics  ·  Lacunar Group  ·  Q1 2025 – Q1 2026
+Revenues
+ CHF 125,091
+ Operating Revenue + 37,091
Advisory fee receivedverified + 27,273
Mgmt fee — Q3 2025verified + 3,273
Mgmt fee — Q4 2025verified + 3,273
Mgmt fee — Q1 2026verified + 3,272
+ Real Estate Revenue + 15,000
Rent income — Q1 2026verified + 15,000
+ Financial Income + 73,000
Dividend — Crestline Property SAverified + 28,000
Dividend — Norfeld AGverified + 45,000
+Operating expenses
– CHF 6,182
Legal fees — BON-2026-014mismatch – 3,200
Corporate secretarialverified – 3,600
EBITDA + CHF 118,909
+Financial expenses
– CHF 2,500
Loan interest — H1 2025verified – 1,250
Loan interest — H2 2025verified – 1,250
NET RESULT + CHF 116,409
Below the line — unresolved
+Unresolved
– CHF 12,000
Unknown outflow — 08.03.2026missing – 12,000
In practice

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Today
  • Fragmented spreadsheets across entities.
  • Manual reconciliation, period by period.
  • Three weeks of audit Q&A on the same files.
With Orym
  • One reconstructed structure, kept current.
  • Every flow tested at source.
  • Verdicts in two days, with the trace attached.
What stays the same
  • Your accountants and your auditors.
  • Your reporting cadence.
  • Your decisions.

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