Michel
I think after your update comment things are working as you would like. The difficulty / issue goes back to my comment fairly early on above.
“The problem with seeking to track the interest amount inside the accounts is where does the credit go? You don’t wish to book the credit as income because you are cash accounting, so you have to book in b/s somewhere, or just keep a memo outside of the accounts.”
If you were preparing accounts on an accruals basis with would obvious how it all works. With a cash basis you have to find an account / set up an account to track the interest income but both entries have to be on the b/s because on a cash basis the income doesn’t hit the P&L until received. But because both entries are on the b/s it doesn’t change the net balance sheet position. This only changes once the income is received.
Regards
Carol