Cash flow, profit and scenario forecasts that show you what is coming, before it arrives.
A forecast is only useful if it reflects how your business actually earns and spends. Our ACCA-qualified accountants build rolling cash flow and profit forecasts from your real Xero, QuickBooks, FreeAgent or Sage data, then stress-test them against the decisions you are weighing up, such as a hire, a price rise or a VAT registration. You get a clear, plain-English view of the months ahead and a named accountant to talk it through with.
We build a 12-week and 12-month cash flow forecast driven by your live bookkeeping data, mapping when money genuinely lands and leaves. Debtor and creditor timing, VAT payment dates and seasonal dips are modelled so you can see your true low point in the cash cycle and plan around it, not react to it.
Beyond cash, we project revenue, gross margin and net profit so you can see whether the business is structurally profitable or simply moving cash around. We separate one-off items from recurring trade, so the underlying trend is visible and you know which months carry the business.
We model best-case, worst-case and most-likely versions side by side, then flex the variables that matter most to you, such as a 10 percent drop in sales or a key client leaving. This sensitivity analysis shows which levers move your numbers the most, so you can focus management attention where it counts.
Staffing is usually the largest cost line, so we forecast it precisely. We factor in the April 2026 National Living Wage of £12.71 an hour for those aged 21 and over, employer National Insurance, the Employment Allowance and auto-enrolment pension contributions, so a planned hire or pay review is costed in full before you commit.
Forecasts that ignore tax flatter your cash position. We schedule Corporation Tax, VAT and PAYE liabilities into the timeline, flag when crossing the £90,000 VAT registration threshold becomes likely, and model the cash impact of dividend versus salary extraction using current dividend tax rates, so HMRC bills never blindside you.
Whether you are approaching a lender, an investor or your own board, we produce forecasts in a format they expect, with clear assumptions, integrated cash, profit and balance sheet views, and a short narrative. We also help you track actuals against forecast each month so the plan stays honest.
You work with one qualified accountant who knows your business and your numbers, not a rotating support queue. They build the forecast, explain the assumptions in plain English and are on hand when a decision needs modelling quickly.
Forecasting is included within our fixed monthly plans at £99, £199 or £499 depending on complexity, with no hourly surprises. You know the cost upfront, and our rolling monthly terms mean you are never locked into a long contract.
We work directly in Xero, QuickBooks, FreeAgent and Sage, so forecasts are driven by live data rather than a stale spreadsheet. That means faster updates, fewer errors and a forecast that reflects this week, not last quarter.
When you are weighing a decision, slow answers cost money. We respond to queries within 72 hours, so when you need a scenario re-run before a meeting, the turnaround is dependable.
Every engagement is backed by our 30-day money-back guarantee. If the forecasting service is not giving you the clarity you expected in the first month, you can step away and get your money back.
Understanding your business needs.
Crafting your custom accounting strategy.
Quick and easy integration.
Consistent monitoring and reporting.
13-week rolling cash forecasts, runway analysis, and treasury support.
Read moreBank-ready and investor-ready business plans with financials that hold up.
Read moreDirect line to your account manager for the questions that come up between calls.
Read moreAged debtor chasing, payment terms enforcement, and collections support.
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A three-statement model links profit and loss, balance sheet, and cash flow so every assumption flows through all three. A revenue change updates the P&L, the balance sheet debtor position, and the cash flow timing automatically. Banks, investors, and due-diligence teams will not accept standalone P&L forecasts because they hide the working capital and funding implications.
Base, downside, and stretch as standard, with sensitivity layers on the three or four variables that genuinely move your business - usually price, volume, gross margin, and customer churn. Investor-facing models add a specific stress case (top customer leaves, costs rise 20%, growth doubles) because that is the first question any serious investor asks.
It is designed to. We build to the format VCs, angels, and banks expect - clearly stated assumptions tab, monthly granularity for 24 months then annual to year 5, working capital schedule, headcount build, and a use-of-funds page tied to the cash flow. Most clients close their round without coming back for model revisions.
Both. The underlying model lives in Excel or Google Sheets so your finance team can interrogate it, with a live KPI dashboard layered on top - revenue, gross margin, cash days on hand, runway, customer acquisition cost, and any sector-specific metric we agree. The dashboard refreshes from your accounting software so the board pack is never out of date.
Either. A one-off fundraising or strategic-planning model is quoted per project and delivered within three weeks. Ongoing rolling forecasts updated monthly or quarterly sit inside the £199 Premium Plus or £499 Enterprise plan, with a quarterly review session built in.
Thirty minutes with an ACCA-qualified accountant. Most owners uncover £1,000-£3,000 in annual savings on the first call. If we are not the right fit, you walk away with a free tax review on the house.
