{"id":3888,"date":"2026-04-09T13:46:03","date_gmt":"2026-04-09T10:46:03","guid":{"rendered":"https:\/\/konkretiarahoitus.fi\/?p=3888"},"modified":"2026-04-09T13:46:07","modified_gmt":"2026-04-09T10:46:07","slug":"yrityksesi-tekee-voittoa-miksi-kassassa-on-silti-tiukkaa","status":"publish","type":"post","link":"https:\/\/konkretiarahoitus.fi\/sv\/2026\/04\/yrityksesi-tekee-voittoa-miksi-kassassa-on-silti-tiukkaa","title":{"rendered":"Ditt f\u00f6retag \u00e4r l\u00f6nsamt. Varf\u00f6r \u00e4r kassan \u00e4nd\u00e5 anstr\u00e4ngd?\u00a0"},"content":{"rendered":"<style>.elementor-3888 .elementor-element.elementor-element-3c20bcd{--display:flex;}.elementor-3888 .elementor-element.elementor-element-cdcecd4{--display:flex;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;}.elementor-3888 .elementor-element.elementor-element-6721062{--display:flex;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;}.elementor-3888 .elementor-element.elementor-element-e58a953{--display:flex;}.elementor-3888 .elementor-element.elementor-element-9731052{--display:flex;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;}.elementor-3888 .elementor-element.elementor-element-68205c1{--display:flex;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;}.elementor-3888 .elementor-element.elementor-element-e38302d{--display:flex;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;}.elementor-3888 .elementor-element.elementor-element-c290aef{--display:flex;}.elementor-3888 .elementor-element.elementor-global-1317 .elementor-button{fill:var( --e-global-color-37804de );color:var( --e-global-color-37804de );background-color:var( --e-global-color-accent );border-radius:25px 25px 25px 25px;padding:15px 20px 15px 20px;}.elementor-3888 .elementor-element.elementor-global-1317 .elementor-button:hover, .elementor-3888 .elementor-element.elementor-global-1317 .elementor-button:focus{background-color:var( --e-global-color-accent );}.elementor-3888 .elementor-element.elementor-global-1317 > .elementor-widget-container{margin:7px 0px 0px 0px;padding:0px 0px 0px 0px;}.elementor-3888 .elementor-element.elementor-global-1317{width:var( --container-widget-width, 69% );max-width:69%;--container-widget-width:69%;--container-widget-flex-grow:0;}.elementor-3888 .elementor-element.elementor-global-1317.elementor-element{--align-self:center;}@media(max-width:1024px){.elementor-3888 .elementor-element.elementor-global-1317 .elementor-button{padding:15px 70px 15px 20px;}.elementor-3888 .elementor-element.elementor-global-1317 > .elementor-widget-container{margin:0px 0px 0px 0px;}}@media(max-width:767px){.elementor-3888 .elementor-element.elementor-global-1317 .elementor-button .elementor-button-content-wrapper{justify-content:center;}.elementor-3888 .elementor-element.elementor-global-1317 .elementor-button{padding:15px 20px 15px 20px;}}<\/style>\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3888\" class=\"elementor elementor-3888\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c20bcd e-flex e-con-boxed e-con e-parent\" data-id=\"3c20bcd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-73a2da5 elementor-widget elementor-widget-heading\" data-id=\"73a2da5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ditt f\u00f6retag \u00e4r l\u00f6nsamt. Varf\u00f6r \u00e4r kassan \u00e4nd\u00e5 anstr\u00e4ngd? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cdcecd4 e-flex e-con-boxed e-con e-parent\" data-id=\"cdcecd4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bce4905 elementor-widget elementor-widget-text-editor\" data-id=\"bce4905\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">M\u00e5nga f\u00f6retagare k\u00e4nner igen situationen d\u00e4r aff\u00e4rsverksamheten ser l\u00f6nsam ut p\u00e5 pappret och i vardagen k\u00e4nns kassal\u00e4get konstant pressat. F\u00f6rs\u00e4ljningen v\u00e4xer, kunderna finns d\u00e4r och resultatet \u00e4r positivt, \u00e4nd\u00e5 verkar pengarna inte stanna p\u00e5 kontot.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Det h\u00e4r \u00e4r inget undantag, utan ett mycket vanligt fenomen. Bakom det finns en enkel f\u00f6rklaring: l\u00f6nsamhet och kassafl\u00f6de \u00e4r tv\u00e5 olika saker. Ett f\u00f6retag kan g\u00e5 med vinst \u00e4ven om pengarna inte r\u00f6r sig in p\u00e5 kontot i samma takt som kostnaderna uppst\u00e5r.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6721062 e-flex e-con-boxed e-con e-parent\" data-id=\"6721062\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8f6b9c0 elementor-widget elementor-widget-text-editor\" data-id=\"8f6b9c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p aria-level=\"2\"><b><span data-contrast=\"auto\">Betalningstidernas p\u00e5verkan p\u00e5 kassan<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">En av de vanligaste orsakerna till kassapress \u00e4r f\u00f6rdr\u00f6jningen i betalningstider. N\u00e4r ett f\u00f6retag s\u00e4ljer p\u00e5 faktura kommer pengarna in p\u00e5 kontot ofta f\u00f6rst efter flera veckor, \u00e4ven om kostnaderna m\u00e5ste betalas omedelbart. Det inneb\u00e4r att f\u00f6retaget finansierar sin verksamhet ur den egna kassan. Ju mer f\u00f6rs\u00e4ljning det finns, desto mer kapital binds upp i \u00f6ppna fordringar, vilket kan pressa kassan \u00e4ven om aff\u00e4rsverksamheten \u00e4r l\u00f6nsam.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e58a953 e-flex e-con-boxed e-con e-parent\" data-id=\"e58a953\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f2a79f3 elementor-widget elementor-widget-text-editor\" data-id=\"f2a79f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p aria-level=\"2\"><b><span data-contrast=\"auto\">Tillv\u00e4xt och bundet kapital i verksamheten<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Tillv\u00e4xt \u00e4r efterstr\u00e4vansv\u00e4rt, men det kan pressa kassan. N\u00e4r verksamheten expanderar beh\u00f6vs mer resurser som lager, personal och produktionskapacitet och dessa satsningar g\u00f6rs innan tillv\u00e4xten syns i kassan. Samtidigt binds kapital upp i lager, p\u00e5g\u00e5ende projekt och utf\u00f6rda men \u00e4nnu ej fakturerade arbeten. \u00c4ven om v\u00e4rdet finns d\u00e4r kan det inte anv\u00e4ndas till vardagliga utgifter.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">\u00c4ven investeringar och amorteringar p\u00e5 l\u00e5n tar pengar direkt fr\u00e5n kassan, \u00e4ven om de inte syns i resultatet p\u00e5 samma s\u00e4tt som andra kostnader. D\u00e4rf\u00f6r kan kassafl\u00f6det halka efter, \u00e4ven om aff\u00e4rsverksamheten utvecklas positivt.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9731052 e-flex e-con-boxed e-con e-parent\" data-id=\"9731052\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-352e20b elementor-widget elementor-widget-text-editor\" data-id=\"352e20b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p aria-level=\"2\"><b><span data-contrast=\"auto\">Skatter och avgifter f\u00f6ljer inte resultatet<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">F\u00f6retagets betalningar g\u00e5r inte alltid i samma takt som resultatet. Merv\u00e4rdesskatt betalas ur kassan \u00e4ven om den inte syns i resultatet, och f\u00f6rskottsskatter kan baseras p\u00e5 tidigare resultat. D\u00e4rf\u00f6r kan betalningar infalla vid tidpunkter d\u00e5 kassan har mindre handlingsutrymme, vilket kan skapa press p\u00e5 situationen.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-68205c1 e-flex e-con-boxed e-con e-parent\" data-id=\"68205c1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-400c568 elementor-widget elementor-widget-text-editor\" data-id=\"400c568\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p aria-level=\"2\"><b><span data-contrast=\"auto\">Kassafl\u00f6deshantering \u00e4r lika viktigt som l\u00f6nsamhet<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Den viktigaste insikten \u00e4r att ett gott resultat inte r\u00e4cker ensamt. F\u00f6retaget m\u00e5ste f\u00f6rst\u00e5 n\u00e4r pengar kommer in p\u00e5 kontot och n\u00e4r de g\u00e5r ut. N\u00e4r kassafl\u00f6det f\u00f6ljs upp och planeras aktivt kan f\u00f6retaget agera stabilare \u00e4ven i situationer d\u00e4r penningfl\u00f6dena inte \u00e4r i balans. Vid behov kan finansiering fungera som ett verktyg som j\u00e4mnar ut tidsskillnaden mellan inkomster och utgifter.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e38302d e-flex e-con-boxed e-con e-parent\" data-id=\"e38302d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e96dd83 elementor-widget elementor-widget-text-editor\" data-id=\"e96dd83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">L\u00f6nsam verksamhet \u00e4r grunden, men den r\u00e4cker inte ensam. F\u00f6retaget m\u00e5ste ocks\u00e5 hantera hur och n\u00e4r pengarna r\u00f6r sig.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Konkretia Rahoitus hj\u00e4lper f\u00f6retag i situationer d\u00e4r kassafl\u00f6det inte h\u00e5ller j\u00e4mna steg med aff\u00e4rsverksamheten. N\u00e4r finansieringen planeras r\u00e4tt st\u00f6der den f\u00f6retagets vardag och m\u00f6jligg\u00f6r tillv\u00e4xt utan att kassan blir ett hinder.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c290aef e-flex e-con-boxed e-con e-parent\" data-id=\"c290aef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-25bdcc7 elementor-mobile-align-justify elementor-align-center elementor-widget__width-initial elementor-widget elementor-widget-button\" data-id=\"25bdcc7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/konkretiarahoitus.fi\/sv\/kontakt\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Kontakta oss!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Yrityksesi tekee voittoa. Miksi kassassa on silti tiukkaa? Moni yritt\u00e4j\u00e4 tunnistaa tilanteen, jossa liiketoiminta n\u00e4ytt\u00e4\u00e4 paperilla kannattavalta, mutta arjessa kassatilanne tuntuu jatkuvasti kire\u00e4lt\u00e4. Myynti kasvaa, asiakkaita riitt\u00e4\u00e4 ja tulos on positiivinen, mutta silti rahaa ei tunnu j\u00e4\u00e4v\u00e4n tilille.\u00a0 T\u00e4m\u00e4 ei ole poikkeus, vaan hyvin yleinen ilmi\u00f6. Taustalla on yksinkertainen syy:\u00a0kannattavuus ja kassavirta ovat kaksi eri [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3890,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[40,64,270,263,213,279,267,262,274,214,269,230,272,277,283,182,265,271,276,280,282,268,281,264,218,273,266,240,224,278],"class_list":["post-3888","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-arvonlisavero","tag-ennakkovero","tag-investoinnit","tag-kannattavuus","tag-kassanhallinta","tag-kassapaine","tag-kassatilanne","tag-kassavirran-hallinta","tag-kassavirran-suunnittelu","tag-kassavirta","tag-kassavirta-vs-kannattavuus","tag-kayttopaaoma","tag-lainan-lyhennys","tag-laskutus","tag-liiketoiminnan-kannattavuus","tag-liiketoiminnan-kasvu","tag-maksuaika","tag-myyntisaatavat","tag-rahavirta","tag-rahoituksen-tarve","tag-talouden-hallinta","tag-varaston-sitoma-paaoma","tag-yrityksen-arki","tag-yrityksen-kassavirta","tag-yrityksen-kasvu","tag-yrityksen-kulut","tag-yrityksen-maksuvalmius","tag-yrityksen-rahoitus","tag-yrityksen-talous","tag-yrityksen-verotus"],"_links":{"self":[{"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/posts\/3888","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/comments?post=3888"}],"version-history":[{"count":8,"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/posts\/3888\/revisions"}],"predecessor-version":[{"id":3898,"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/posts\/3888\/revisions\/3898"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/media\/3890"}],"wp:attachment":[{"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/media?parent=3888"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/categories?post=3888"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/tags?post=3888"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}