Cash-Flow Forecasting · South East London
Cash-flow forecasting in Belvedere
Cash-flow forecasts for Belvedere companies that lenders, grant bodies and investors will accept. The funding pack at £299 produces the 12-month forecast, documented assumptions and sensitivity analysis in the format they ask for, and we walk you through the questions they will raise. For running the business day to day, the 13-week rolling forecast is the tool.
from £199 · fixed, per forecast
Next deadlines
- VAT return and payment for the quarter that ended last month
- PAYE and National Insurance for last month paid to HMRC (electronic)
- VAT return and payment for the quarter that ended last month
- PAYE and National Insurance for last month paid to HMRC (electronic)
Who this is for
Cash-Flow Forecasting for Belvedere
Businesses in Belvedere where cash timing matters: companies growing faster than their working capital, seasonal businesses, those holding stock or work in progress, businesses with loans or finance to service, companies applying for lending or grants, start-ups measuring runway, and any owner who has had an unexpected conversation with the bank and does not want another.
What is included
Everything inside the fixed fee
- A 13-week rolling forecast built week by week from your receipts, payments, payroll, VAT and tax dates
- A 12-month forecast with best, base and worst case scenarios and the assumptions documented
- Debtor and creditor timing modelled from your actual payment patterns rather than invoice dates
- Tax, VAT, PAYE and loan repayments placed on their real dates so nothing is a surprise
- Monthly refresh retainer: actuals replace forecast each month and the horizon rolls forward
- Funding-application pack: forecast, assumptions, sensitivities and the narrative lenders and grant bodies expect
How it works
Cash-Flow Forecasting from Belvedere, step by step
Scope the job
We find out what you need filed, when it is due and what state the records are in, and tell you which fixed-fee package applies.
Agree the price
The fee is confirmed in writing. There is no hourly billing and nothing added for questions during the work.
Hand over the records
Photographs, PDFs, software access or a spreadsheet, sent however suits you. We confirm what we have and what is missing within two working days.
Approve, then we submit
You review the draft with our explanation, sign off, and we file. Receipts, copies and the next deadlines come back to you immediately.
Why IGI
The IGI way of working, in Belvedere
One fixed fee for cash-flow forecasting in Belvedere, agreed in writing before any work starts and never changed part-way through the job, however long it takes us.
We work to the HMRC and Companies House calendar, not an appointment diary. Clients in Belvedere get reminders at 60, 30 and 7 days before each date that applies to cash-flow forecasting.
No appointments, no travel across South East London, no parking. Everything for cash-flow forecasting in Belvedere happens online, with a real person on the other end during UK working hours.
A named person handles your cash-flow forecasting from Belvedere and knows the file, so you are not re-explaining your business to a different helpdesk each time.
The output for Belvedere clients is never just a form. It is the form, a one-page summary of what it says, and a note of the decisions it points to for cash-flow forecasting.
Nothing is filed for Belvedere until you have reviewed and approved it. You see the draft, you ask questions, you sign off, then we submit and send you the receipt.
Local facts
About Belvedere
Belvedere is in South East London, within Bexley, in the DA17 postcode district, England. For businesses in England the tax rules are those set by the UK Parliament: the 20/40/45% income tax bands, Class 4 National Insurance for the self-employed at 6% and 2%, Corporation Tax at 19% to 25%, and Stamp Duty Land Tax on property. Business rates are set locally by the council.
| Place | Distance | Direction |
|---|---|---|
| Crossness | 0.7 mi | N |
| Lessness Heath | 0.7 mi | SW |
| Northumberland Heath | 1 mi | SE |
| Lesnes Abbey | 1 mi | SW |
| Erith | 1 mi | SE |
| Thamesmead South | 1 mi | W |
| Thamesmead West | 1 mi | W |
| Erith Riverside | 1 mi | SE |
Worth knowing
Rules that come up in this work
Closing a company
A solvent company that has finished its purpose can be dissolved by voluntary strike-off: form DS01 with a £13 Companies House fee, after three months without trading and with all debts paid, final accounts and tax return filed, and assets distributed. HMRC objects to any application where returns or tax are outstanding, so the sequence matters more than the form.
Switching accountants
You can switch accountant at any point in the year. The new firm requests clearance and your records from the old one, which cannot withhold your own documents though it may hold its own working papers until its fees are settled. Agent authorisations with HMRC and Companies House are transferred, and the next deadline is picked up without a gap.
Allowable expenses
An expense is allowable against trading profit if it is incurred wholly and exclusively for the business. Materials, business travel other than ordinary commuting, a proportion of home running costs, software, insurance, professional fees, bank charges and protective clothing qualify. Client entertainment, ordinary clothing, fines and the private share of mixed-use costs do not.
Record keeping
Record keeping is a legal obligation with a penalty of up to £3,000 for failure, but its real value is in making every other filing cheaper and more defensible. Keep invoices, receipts, bank statements, mileage logs and any HMRC correspondence, digitally if you like, for five years after the relevant filing deadline for individuals and six years for companies and VAT.
The 60-day property CGT return
The 60-day Capital Gains Tax return on residential property is the deadline landlords most often miss, because it falls outside the Self Assessment cycle and runs from completion, not exchange. Private residence relief for periods you lived in the property, plus the final nine months, reduces the gain. Penalties for a late return mirror Self Assessment, starting at £100.
Crypto records and reporting
Crypto tax splits into capital gains on disposals and income on rewards, with different rates and different reporting. The £3,000 annual exempt amount and the 18% and 24% rates apply to gains; staking, mining and airdrop income is taxed at marginal income tax rates. HMRC's nudge letters to holders have increased sharply, and a voluntary disclosure before one arrives is treated far more leniently.
The trading and property allowances
The first £1,000 of trading income and, separately, the first £1,000 of property income each year is tax free under the trading and property allowances. Below those figures no return is needed for that income. Above them you can deduct the £1,000 allowance instead of actual expenses if that is better, which suits side businesses and single-room lets with few costs.
Questions
Cash-Flow Forecasting questions from Belvedere
How do seasonal businesses use forecasting?
To see the trough. Seasonal businesses typically make their profit in a few months and spend the rest of the year surviving on it, with VAT and tax payments falling in the quiet period. The 12-month forecast shows how deep the trough goes and whether a facility is needed to bridge it, well before the bank does.
Can a forecast show me whether I can afford a hire or a purchase?
Yes, that is one of its main uses. We add the hire or purchase as a scenario and show the cash effect month by month, including the point at which it pays for itself if it does. Decisions that look fine on a profit basis often fail on cash timing, and the forecast shows where.
How is the £199 forecast built?
From your bookkeeping and bank data, your aged debtors and creditors, your payroll, your known commitments and the tax calendar. We analyse how quickly your customers actually pay rather than when they are due, which is where most forecasts go wrong, and we document every assumption so you can change it. You receive the model and a short briefing.
What is a 13-week rolling forecast?
A week-by-week projection of cash in and cash out for the next quarter, built from your debtor book and payment patterns, your creditors and their terms, payroll, rent, loan repayments and every tax date, giving the forecast bank balance at the end of each week. It is the standard tool for managing short-term cash and is refreshed as actuals arrive.
What is the monthly refresh retainer?
For £99 a month we replace each month's forecast with the actual figures, roll the horizon forward, update the assumptions for what has changed and send you the refreshed forecast with a short note on the movements. A forecast that is not refreshed is out of date within weeks; the retainer keeps it live.
What does the 12-month forecast add?
The £349 forecast extends the horizon to a year, monthly, with three scenarios: base case, a downside with slower sales or payment, and an upside, so you can see the cash effect of the things that might happen. It includes a profit and loss and balance sheet forecast alongside the cash, and is the basis for the funding pack.
Is cash-flow forecasting in Belvedere really the same price as elsewhere?
Yes. The fee published on this page is what a client in Belvedere pays and what a client in any other part of England pays. It is confirmed in writing before work starts and the invoice matches the quote. Where a higher package applies because your situation is more complex, we say so at the quote stage, never afterwards.
Do you have an office in Belvedere?
No. IGI Accounting is an online-only firm. We serve Belvedere and every other UK postcode remotely, with records sent by WhatsApp or email and everything filed electronically. The absence of local premises is why the fee for cash-flow forecasting is the same in Belvedere as anywhere else in the country, and why there is nothing to visit and nothing to print.
Fixed fees, filed on time, for Belvedere
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.