Qonto Insights
Qonto Cash Buffer Index
Last updated: September 2026
Median days' cash runway
Source: Qonto Cash Buffer Index
Methodology
The Qonto Cash-Buffer Index indicates the cash runway of freelancers and SMEs — expressed in days — showing how long a business could continue operating on its existing cash balance if it received no further income.
The analysis is based on aggregated and anonymized account balance and transaction information derived from more than 750,000 Qonto business customers across France, Germany, Italy, and Spain.
This index should not be interpreted as reflective of the European market as a whole. It represents signals observed within Qonto's customer base and product ecosystem.
Published figures are aggregated, with anonymization, minimum-threshold, and suppression rules applied to prevent the identification of individual customers or the inference of confidential business patterns.
Industry sectors are aligned with NACE standards and grouped into broader sector categories for reporting purposes: Health, Education & Personal Services; Investment & Institutional Structures; Industry, Logistics & Trade; Commercial & Retail Activities; and Professional & Digital Services. Company size is determined using internal data. Country-level breakdowns reflect the business's registered country.
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