A superyacht is simultaneously a depreciating capital asset, an operating business, a VAT-registered vessel, an insurance risk, and a personal pleasure object — often held across multiple jurisdictions and managed by a rotating cast of crew, advisors, and service providers.
Most ownership structures rely on disconnected systems: the captain's accounts in one spreadsheet, the management company's invoices in another, and the family office receiving a monthly PDF with no ability to query, verify, or plan.
Costs live across captain, manager, accountant, and bank — never unified
Monthly spend arrives weeks late with no variance commentary
Insurance, valuations, and survey deadlines missed without proactive alerts
Captain, crew, shipyard, broker, and insurer — each with their own processes
From invoice approval to asset valuation, Aquator structures the financial life of the yacht so the family office always holds the full picture.
Connect the captain's accounts, management company, charter broker, bank feeds, and insurer into a single operational ledger.
Define the annual operating budget by category, configure approval workflows for expenditure, and set depreciation and valuation schedules.
Live cost tracking against budget, automated alerts for overruns, and instant visibility on charter income, insurance status, and project spend.
Personalised monthly owner reports, quarterly asset statements, and on-demand P&L delivered to the family office in their preferred format.
Platform Capabilities
Six integrated modules give the family office complete control over the financial management of the yacht — from day-to-day operations to long-term asset strategy.
Manage the yacht as a balance sheet asset. Track acquisition value, book value, broker valuations, and depreciation schedules with full audit trail — giving the family office an accurate picture of the asset at all times.
Set annual and seasonal operating budgets by category. Real-time tracking of actual versus approved spend, with automated variance alerts and approval workflows for exceptional expenditure requests from captain or managers.
Full operational accounting for the yacht entity — invoice management, bank reconciliation, VAT compliance across jurisdictions, and structured reporting aligned with the family office's preferred accounting framework and external auditors.
Centralise all policies — hull, P&I, crew, charter, and additional risks — with automated renewal alerts, coverage gap analysis, and claim tracking. The family office always knows exactly what is covered, at what value, and when it expires.
Maintain a rigorous valuation trail with scheduled broker estimates, internal book value calculations, and depreciation models that align with the family office's accounting standards. Refit and capital investments are automatically factored into net asset value.
Track charter contracts, income by period, broker commissions, APA reconciliation, and VAT on charter revenue. Produce a full charter P&L statement showing net income after operating costs — the foundation for HNWI tax reporting and ownership cost justification.
Aquator generates personalised owner reports that speak the language of institutional finance — not yacht management jargon. Every report is configured to the family office's reporting period, currency, and preferred level of detail.
Whether the principal wants a one-page monthly summary or the accountant needs a full cost-centre breakdown with supporting invoices, the platform delivers both automatically.
Stakeholder Management
Aquator structures the flow of information, approvals, and financial data between the family office and everyone who operates, maintains, and services the yacht.
The captain submits invoices, expense claims, and operational requests directly into Aquator. Approved budgets and spending limits are visible in real time, replacing informal communication with structured financial workflow.
Track shipyard relationships and refit projects end-to-end. All quotes, change orders, milestone payments, and delivery confirmations flow through Aquator — giving the family office full oversight of major capital works without being buried in emails.
Provide the management company, accountants, legal advisors, and tax consultants with structured access to the data they need — and nothing they don't. Role-based permissions ensure each party sees their relevant slice of the yacht's financial picture.
Project Management
Major yacht projects require bespoke financial oversight. Aquator provides dedicated project modules with budget tracking, milestone management, and owner-level reporting for each type of project.
New Build
Track every phase of a new build — from yard selection and contract signing through construction milestones, instalment payments, and delivery — within a single financial framework aligned to the family office's reporting requirements.
Refit & Redelivery
Manage the complete financial lifecycle of a refit — from initial scope and yard selection through all engineering phases, change orders, subcontractor payments, and final delivery acceptance — with full cost impact analysis on asset value.
Charter Programme
Run a structured charter programme with full financial transparency — from central agent and direct bookings through APA management, income recognition, broker commission reconciliation, and the production of charter P&L reports for the family office and tax advisors.
Personalised Reporting
Every report is generated automatically from live operational data — formatted to the family office's standards and delivered on schedule, with no manual compilation required.
A concise, personalised monthly summary for the owner or family office principal — combining financials, asset status, and key decisions required.
A deeper quarterly report for the family office investment committee or wealth manager — covering the yacht as a financial asset with full balance sheet treatment.
A full annual charter profit and loss statement structured for the family office's tax advisors — showing gross income, all direct costs, and net charter contribution by period.
A complete insurance and risk summary showing all active policies, coverage values, renewal timelines, and any outstanding claims — ready for the family office's risk review.
For each active project — refit, new build, or major works — a dedicated cost report tracking approved budget, committed spend, forecast to complete, and payment milestone status.
A live operational financial summary for the yacht manager and captain — giving day-to-day visibility on discretionary spend, pending approvals, and operational cost against seasonal budget.
Data & Integration
Aquator connects to the yacht's existing financial infrastructure — banks, accounting systems, charter platforms, and management company tools — without requiring a change to how any party currently works.
All financial data structured, categorised, and made available for real-time reporting, budgeting, and owner oversight
The financial data of a family office and its assets demands the highest standards of privacy, access control, and audit transparency. Aquator is built for that standard.
Define precisely what the captain, yacht manager, accountant, and family office principal can see, approve, and export. Financial data is shared on a strict need-to-know basis — no party sees more than their role requires.
Every invoice submission, budget approval, expense claim, and report generation is logged with timestamp, user identity, and action detail. The complete financial history of the yacht is always available for review or audit.
The family office's financial data remains confidential and is never used to train models or shared with third parties. Data residency options are available to meet the requirements of specific family office jurisdictions.
Book a private demonstration for your family office. We will show you exactly how Aquator brings institutional financial oversight to your yacht, your way.
