Budgets & Cash Flow Forecasts
Budgeting and cash flow support for clearer business decisions.
Budget and cash flow support for UK businesses that want better visibility over upcoming costs, tax deadlines, payroll, supplier payments and growth plans. We help turn your bookkeeping records into practical forecasts, so you can plan ahead instead of reacting late.
You get a clearer view of upcoming cash pressure, costs and planned growth.
Service overview
Forecasting support built around real bookkeeping data and practical assumptions.
A useful budget or cash flow forecast needs to be based on more than guesswork. It should start with clean bookkeeping records, realistic assumptions and a clear understanding of upcoming costs, VAT, PAYE, corporation tax, supplier payments, wages and expected income.
We help businesses create practical budgets and cash flow forecasts that support better decision-making. This can include monthly budgets, rolling cash flow forecasts, tax placeholders, debtor and creditor assumptions, payroll costs and scenario planning.
The aim is not to predict the future perfectly. The aim is to give directors a clearer view of what may be coming, where cash pressure may appear and what needs to be monitored each month.
Profit does not always mean cash is available.
Many businesses only look at cash when pressure has already appeared. A structured budget and forecast helps identify upcoming pinch points earlier, especially where VAT, payroll, supplier payments, tax bills or growth costs are involved.
VAT and tax bills affect cash
VAT, PAYE and corporation tax can create cash pressure if they are not built into the forecast early.
Payroll needs planning
Wages, employer National Insurance, pensions and staff changes can have a major impact on monthly cash flow.
Growth can absorb cash
Taking on new staff, stock, equipment, marketing or premises costs can reduce cash before the benefit is seen.
Late payments change the picture
Customer payment delays can quickly affect supplier payments, payroll and available working capital.
Budgets need real numbers
A budget is more useful when it is based on actual bookkeeping data, not broad estimates.
Directors need visibility
Clear forecasts help directors make better decisions around spending, hiring, pricing and timing.
Budgets, cash flow forecasts and monthly planning support.
We build forecasts around your bookkeeping records, expected income, known costs and agreed assumptions, so the numbers are easier to review and update.
A clear process for building and reviewing the forecast.
Who Budgets & Cash Flow Forecasts is for.
Packages designed around your business
Questions
Frequently asked questions
Do you prepare budgets for small businesses?
Yes. We can prepare practical monthly budgets for SMEs based on historic bookkeeping records, expected income, payroll, overheads and known costs.
Can you prepare a cash flow forecast?
Yes. We can prepare a cash flow forecast showing expected money in, money out, tax payments, payroll, supplier payments and projected cash movement.
Can you include VAT, PAYE and corporation tax in the forecast?
Yes. We can include VAT, PAYE, corporation tax and other known liabilities as placeholders, where the information is available.
Can you update the forecast every month?
Yes. Where ongoing support is agreed, we can update the forecast monthly using actual results and revised assumptions.
Do you use forecasting software?
Yes. Depending on the client setup, we can work with tools such as Float, Excel or reports from Xero, QuickBooks, Sage and FreeAgent.
Can you compare actual results against budget?
Yes. We can prepare budget versus actual reporting so directors can see where income or costs are different from the original plan.
Can you help with different scenarios?
Yes. We can prepare scenario forecasts, such as cautious case, expected case, growth case, hiring plans or cost increase scenarios.
Do you guarantee the forecast will be accurate?
No. A forecast is based on the information and assumptions available at the time. It is a planning tool, not a guarantee of future results.
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Client reviews
What our clients say
★★★★★
We couldn’t be happier with the exceptional service provided by this bookkeeping team! They are professional, detail-oriented, and incredibly efficient, making the entire process seamless and stress-free. Not only do they ensure everything is accurate and organized, but their proactive approach and clear communication help us stay on top of our finances effortlessly. We’ve been consistently impressed by their dedication and expertise, which gives us peace of mind knowing our books are in excellent hands. Highly recommended for anyone looking for reliable and trustworthy bookkeeping support!
★★★★★
We have been using Mike & the team for over a year now and are very happy with the help & support they have given us along the way. They are always responsive to phonecalls & emails, being really helpful at every step. I have no hesitation in recommending them.
