12 min read

CodeIQ: From PDF Statements to Reconciled Books

The AI bookkeeper that completes your books while you have coffee. Upload statements, return to finished books with CFO-level analysis. From transactions to decisions.

Every business owner knows the monthly ritual: upload bank statements, spend hours categorising transactions, reconcile accounts, then try to make sense of the numbers. CodeIQ eliminates this entire process. Upload your PDF statements, go for coffee, and return to find completed books, full reconciliation, and comprehensive CFO-level analysis waiting for you.

The End of Manual Bookkeeping

The Problem with "Automation" Software

Every accounting platform claims automation. Bank feeds, rules, smart categorisation - they all promise to save time. But here's what actually happens:

Hours reviewing "suggested" categories
Manual approval of every transaction
Separate reconciliation process
Basic reports requiring manual interpretation

You're not automated - you're just doing manual work through a prettier interface.

CodeIQ: Upload. Walk Away. Return to Insights.

The Complete CodeIQ Workflow

  1. 1

    Upload PDF Bank Statements

    Drop your bank PDFs into CodeIQ. No formatting, no CSV conversion, no data mapping.

  2. 2

    Go Have Coffee (Seriously)

    CodeIQ processes everything autonomously. No approval queues, no review screens.

  3. 3

    Return to Completed Books

    Every transaction coded, posted, and reconciled in QuickBooks/Xero/Sage.

  4. 4

    Receive CFO-Level Analysis

    LedgerIQ automatically generates comprehensive financial analysis, KPIs, forecasts, and actionable insights.

The Intelligent Bookkeeping Brain

Not Just AI - Contextual Intelligence

CodeIQ isn't a generic AI coder. It's an algorithmically-designed bookkeeper that understands your business context, learns from your historical coding patterns, and applies bookkeeping intelligence consistently.

Historical Pattern Learning

CodeIQ analyses your entire General Ledger history, understanding how you've coded transactions over years. That monthly £2,000 payment to "Legal Services Ltd"? It learns it's always been Professional Fees with 20% VAT.

Pattern: "Legal Services Ltd £2,000"

Historical Coding: Professional Fees → 20% VAT → Client ABC

✓ 95%+ accuracy on recurring transactions

Contextual Business Understanding

When CodeIQ sees "British Airways LHR-JFK", it doesn't just match keywords - it comprehends this is travel expense. When it spots equal and opposite amounts, it recognises transfers, not separate income and expenses.

Transaction: "British Airways LHR-JFK £450"

AI Understanding: Travel Expense → No VAT → Project Code

✓ Semantic understanding beyond keyword matching

Ecosystem Integration

CodeIQ works seamlessly with ReconcileIQ's reconciliation engine to ensure every transaction is properly matched and balanced before posting to your accounting software.

Step 1: AI codes all transactions

Step 2: ReconcileIQ reconciles and validates

Step 3: Auto-posts to accounting software

Step 4: LedgerIQ generates CFO analysis

Beyond Bookkeeping: CFO-Level Intelligence

Once your books are complete, LedgerIQ automatically generates the kind of analysis you'd pay a CFO £500/hour to produce:

Real-Time KPIs

  • • Gross profit margins with trend analysis
  • • Cash burn rate and runway calculations
  • • Customer acquisition costs
  • • Revenue per employee
  • • Working capital ratios

Predictive Analytics

  • • 3, 6, and 12-month cash flow forecasts
  • • Seasonal trend identification
  • • Growth trajectory modelling
  • • Break-even analysis
  • • Risk assessment metrics

Visual Intelligence

  • • Interactive dashboards for stakeholders
  • • Automated month-over-month comparisons
  • • Segment performance breakdowns
  • • Custom industry visualisations
  • • Executive summary reports

Actionable Insights

  • • Cost optimisation opportunities
  • • Cash flow improvement strategies
  • • Revenue growth recommendations
  • • Risk mitigation alerts
  • • Performance benchmark comparisons

Real-World Transformation

Before CodeIQ

Upload bank statements: 15 minutes

Manually categorise 500 transactions: 4 hours

Reconcile accounts: 1 hour

Generate basic reports: 30 minutes

Analyse and interpret data: 2 hours

Total: 7.75 hours

With CodeIQ

Upload PDF statements: 2 minutes

AI processes everything: 3 minutes

Auto-reconciliation: Included

CFO-level analysis: Included

Review insights (optional): 10 minutes

Total: 15 minutes

The Scalability Revolution

A human bookkeeper handles 10-20 clients maximum. They work sequentially, need breaks, take holidays, and make more errors when overworked.

Human Bookkeeper

  • • 10-20 clients maximum
  • • Sequential processing
  • • Accuracy degrades with fatigue
  • • Holidays and sick days
  • • Expensive to scale

CodeIQ

  • • 10,000+ businesses simultaneously
  • • Parallel processing
  • • Consistent 95%+ accuracy
  • • 24/7/365 availability
  • • Infinite scalability

The Complete Ecosystem Advantage

CodeIQ isn't standalone software - it's part of the complete ReconcileIQ ecosystem:

CodeIQ: Intelligent Bookkeeping

AI processes PDF statements into coded transactions using contextual business understanding and historical patterns.

ReconcileIQ: Automated Reconciliation

Ensures every transaction is properly matched and balanced before posting to accounting software.

LedgerIQ: CFO-Level Analysis

Automatically generates comprehensive financial analysis, forecasts, KPIs, and actionable business insights.

The Result: From Transactions to Decisions

Upload PDF statements → Return to completed books with CFO-level insights that drive business decisions.

Privacy-First AI Intelligence

Your Data Stays Yours

In an era where AI usually means sending your data to Silicon Valley, CodeIQ processes everything on dedicated servers. Your financial data never touches OpenAI, Google, or any external service.

All AI processing happens on-premises
Complete data sovereignty and control
Learning through anonymised, aggregated patterns
Your specific transactions remain completely private

The Future of Financial Management

CodeIQ represents an evolution in financial management, freeing skilled bookkeepers from repetitive transaction coding to focus on higher-value advisory work. Rather than replacing professionals, it elevates them - handling routine data entry while enabling human expertise to shine in analysis, strategy, and client relationships.

For Business Owners

  • • Focus on strategy, not data entry
  • • Real-time financial insights
  • • CFO-level analysis without CFO costs
  • • Immediate access to business performance

For Accounting Professionals

  • • Focus on strategic advisory work
  • • Enhance service quality with instant insights
  • • Build stronger client relationships
  • • Develop expertise in financial analysis

Ready to Transform Your Financial Process?

Stop spending hours on bookkeeping that AI can complete in minutes. Experience the future of financial management - from PDF statements to reconciled books with CFO-level insights.