Debt & Loan Portfolio Cockpit — See Every Loan, Its Maturity Wall and Refinancing Risk
Track every loan, line of credit, bond or lease, build its amortization schedule automatically, and see the whole portfolio on a live cockpit — debt service due, the maturity wall, leverage and interest coverage against your own targets. Optional AI. Bring your own API key.
Your whole debt portfolio at a glance — what you owe, when it is due, and the leverage and coverage ratios that decide your next refinancing conversation.
- Builds an installment schedule per loan
- No portfolio view, no maturity wall
- No leverage, no coverage, no risk read
- The whole portfolio on one cockpit, not loan-by-loan
- Maturity wall — principal due each of the next 5 years, at a glance
- Leverage & interest coverage against your own targets, with a books-vs-schedule check
See refinancing risk before it becomes a crisis — not after the bank calls.
From loan terms to portfolio risk
Enter the lender, principal, rate and dates — a loan, line of credit, bond or lease.
One click builds the full amortization schedule — annuity, equal principal, or interest-only.
The cockpit rolls every loan into the maturity wall, debt service, leverage and coverage.
Who is owed, and when
A work list of the biggest open receivables to chase and payables you owe — every open installment across every loan, sorted by due date, so you know exactly what is coming and can chase what is overdue.
The full amortization schedule
Every installment, principal and interest split, running balance, and its status — pending, paid or overdue. Mark an installment paid in one click; reopen it if you need to.
Set your own risk targets
Choose your target leverage (Debt/EBITDA) and interest coverage, and how many days ahead a maturity should be flagged as refinancing risk. No real EBITDA on hand? The cockpit estimates one from posted income and expense accounts — clearly labelled as an estimate.
AI analysis — optional, your own key
Add your own Anthropic Claude or OpenAI key and get a short read of your debt profile and the single highest-impact action on refinancing risk or leverage, in your language. The module calls the provider directly from your Odoo: no data goes through a third party, and you control the model and the cost. The AI never posts or changes anything.
Features
- Total outstanding debt and weighted average rate — across every loan, in your company currency.
- Debt service due in the next 90 days — the principal and interest you owe soon.
- Maturity wall — a chart of principal coming due each of the next 5 years, the classic refinancing-risk view.
- Leverage and interest coverage against your own targets — enter your real EBITDA, or let the cockpit estimate it.
- Three amortization methods — equal installment (annuity), equal principal, or interest-only with a bullet at maturity.
- Books-vs-schedule check — link a loan to its GL liability account and get flagged if the posted balance drifts from the schedule.
- Upcoming payments work list — every open installment, sorted by due date, with days overdue in red.
- AI analysis (optional) — Anthropic Claude or OpenAI, your own key; a read and the top action, in your language.
- Multi-company and multi-currency — each loan keeps its own currency, converted to your company currency on the cockpit.
- Works on any Odoo — Community and Enterprise. Nothing to configure per instance to get started.
- Multilingual — English, Spanish, French, German, Italian, Dutch and Portuguese (BR).
Perfect for CFOs, controllers and treasury teams who need to see refinancing risk before it becomes a crisis — without building a spreadsheet every quarter.
Keywords: debt management, loan portfolio, loan amortization schedule, debt schedule, maturity wall, refinancing risk, leverage ratio, debt to EBITDA, interest coverage ratio, treasury cockpit, line of credit tracking, bond schedule, lease schedule, loan tracker, debt dashboard, corporate debt, finance cockpit, AI debt analysis, Claude AI, OpenAI, CFO dashboard, treasury management.
Palabras clave: gestión de deuda, cartera de préstamos, cronograma de amortización, plan de pagos, muro de vencimientos, riesgo de refinanciamiento, apalancamiento, deuda sobre EBITDA, cobertura de intereses, tesorería, línea de crédito, bonos, arrendamiento financiero, panel de deuda, deuda corporativa, análisis de deuda con IA, Claude, OpenAI, panel financiero.
Permissions & data security
Built to respect Odoo's access model — audited so nothing leaks between users or companies.
- 🏢 Multi-company isolation. Every loan and installment is tagged to its company; a user only ever sees the data of the companies they are allowed into. Cross-company access is impossible — verified.
- 🔑 AI key encrypted & admin-only. Your provider key is stored encrypted at rest (Fernet / AES) — the plaintext is never saved — and is readable or editable only by a system administrator.
- 👤 Role-based access. The app respects Odoo's access groups — there is no portal or public exposure. Everything computes on your standard data through the app's own service, so no restricted field is ever surfaced.
- ✅ Secure by design — multi-company isolation; AI key encrypted at rest and admin-only. Audited across the whole suite.
Requires the Accounting/Invoicing app. Works with Odoo Community and Enterprise.
More from the author: Aski — ask your Odoo in natural language by chat or voice, and get real figures from your phone. https://aski.dev
Questions, or want a quick personalized demo? Email me at jhonrojas.dev@gmail.com — I am happy to answer questions or set up a short demo.
Support: jhonrojas.dev@gmail.com · License: OPL-1
About the author
Jhon Jairo Rojas Ortiz
Odoo developer · custom modules, integrations & business intelligence
5+ years of hands-on Odoo experience — building and shipping real modules, integrations and analytics for companies across LATAM and Europe. Every app I publish is maintained and supported personally.
Custom Odoo modulesIntegrations & APIsBI & analyticsOdoo 14–19
inConnect on LinkedIn →| Availability |
Odoo Online
Odoo.sh
On Premise
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| Odoo Apps Dependencies |
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Invoicing (account)
• Discuss (mail) |
| Lines of code | 1130 |
| Technical Name |
jjro_debt_cockpit |
| License | OPL-1 |
| Website | https://aski.dev |
Odoo Proprietary License v1.0 This software and associated files (the "Software") may only be used (executed, modified, executed after modifications) if you have purchased a valid license from the authors, typically via Odoo Apps, or if you have received a written agreement from the authors of the Software (see the COPYRIGHT file). You may develop Odoo modules that use the Software as a library (typically by depending on it, importing it and using its resources), but without copying any source code or material from the Software. You may distribute those modules under the license of your choice, provided that this license is compatible with the terms of the Odoo Proprietary License (For example: LGPL, MIT, or proprietary licenses similar to this one). It is forbidden to publish, distribute, sublicense, or sell copies of the Software or modified copies of the Software. The above copyright notice and this permission notice must be included in all copies or substantial portions of the Software. THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE.
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