Net financial value is the sum of currency or cash equivalent that you have since you have removed the obligations from your liquid property. That is quite the same as net value, although the main distinction is that non-liquid assets like real estate or pension plans do not take into account.
But both liquid and non-liquid assets impact the overall net value. In other words, you must provide the valuation of all your investments, such as cars, land, pension plans, shares and currency. The sum of your liability would then be excluded from this number. You would have a negative net value if your liabilities outweigh your savings. If your savings contain more cash than your liabilities, you would have a positive net worth.
Liabilities are loans that must be paid off. Student loans, auto loans, credit card accounts, taxation or mortgages may be included.