Cash-Flow Forecasting · Central London
Cash-flow forecasting in Blackfriars
Profit is an opinion; cash is a fact. Businesses in Blackfriars that know what their bank balance will be in six weeks make better decisions than those that find out. We build the forecast from your actual receipts, payments, payroll and tax dates, keep it rolling, and show you the pinch points before they arrive. Fixed fee, online.
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 Blackfriars
Businesses in Blackfriars 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 Blackfriars, 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 Blackfriars
The price for cash-flow forecasting is published on this page and is what a client in Blackfriars pays. We confirm it in writing first, and the invoice matches the quote.
Nothing for Blackfriars is left to the last week. Each deadline relevant to cash-flow forecasting is tracked from the day you join, with the next four shown on every page we send you.
No appointments, no travel across Central London, no parking. Everything for cash-flow forecasting in Blackfriars happens online, with a real person on the other end during UK working hours.
A named person handles your cash-flow forecasting from Blackfriars and knows the file, so you are not re-explaining your business to a different helpdesk each time.
Plain English, with the numbers. Every draft for Blackfriars comes with a short explanation of what the figures mean and what, if anything, you should do about them.
Approval before filing is a rule, not a courtesy. For cash-flow forecasting in Blackfriars, every submission to HMRC or Companies House follows your written go-ahead.
Local facts
About Blackfriars
Blackfriars is in Central London, within City of London, in the EC4V 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 |
|---|---|---|
| Puddle Dock | 0.1 mi | E |
| Castle Baynard | 0.1 mi | NW |
| Ludgate Hill | 0.2 mi | NE |
| St Paul's, City of London | 0.3 mi | NE |
| Queenhithe | 0.3 mi | E |
| Old Bailey | 0.3 mi | N |
| Fleet Street | 0.3 mi | NW |
| Bread Street, City of London | 0.3 mi | NE |
Worth knowing
Rules that come up in this work
The 60-day property CGT return
Selling UK residential property that was not your main home for the whole period of ownership triggers a separate Capital Gains Tax return, due within 60 days of completion along with payment of the tax. This is in addition to the annual Self Assessment. The gain is taxed at 18% or 24% depending on your income band, after the £3,000 annual exempt amount.
Crypto records and reporting
Most crypto holders have taxable events they do not recognise, because every swap is a disposal even when no pounds change hands. The computation requires the complete transaction history from every exchange and wallet, pooled by asset with HMRC's matching rules applied. Exchange-generated tax reports are frequently wrong because they cannot see transfers between a user's own wallets.
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.
Workplace pensions and auto-enrolment
Workplace pension compliance is part of payroll, not separate from it. Each pay period the payroll assesses who is eligible, calculates employer and employee contributions on qualifying earnings between the lower and upper thresholds, and sends the contribution file to the scheme. The minimum total is 8%, and many employers choose to contribute more as a recruitment advantage.
Employer National Insurance
Since April 2025 employer National Insurance has been 15% on earnings above a £5,000 secondary threshold, a substantial increase for small employers. The Employment Allowance rose to £10,500 at the same time to soften it for the smallest businesses. Directors deciding their own salary weigh this cost against the Corporation Tax deduction a salary provides.
The trading and property allowances
Not every small income needs a tax return. The trading allowance exempts the first £1,000 of self-employment or casual income and the property allowance does the same for rental income, each measured on gross receipts. They cannot be combined with rent-a-room relief on the same income, and claiming the allowance means giving up the expense deduction for that source.
Questions
Cash-Flow Forecasting questions from Blackfriars
Do I need bookkeeping with you to have a forecast?
No, but the data must exist. We build forecasts from any reasonably kept accounting file plus bank data. If the bookkeeping is behind, we say so first, because a forecast built on stale records is worthless. Clients in our bookkeeping service have the data ready by default.
Why do forecasts usually go wrong?
Three reasons: they assume customers pay on the due date, they forget tax dates, and they are never updated. We model actual payment behaviour from your history, place VAT, PAYE, Corporation Tax and Self Assessment payments on their real dates, and offer the refresh retainer so the forecast stays current.
Will banks accept your forecasts?
Yes. Lenders see forecasts constantly and recognise one built from real data with documented assumptions. Grant bodies and investors likewise. We produce covenant calculations and any specific format a lender requires, and we are happy to speak to the lender with you about the assumptions.
What is in the funding-application pack?
For £299: a 12-month forecast with monthly cash flow, profit and loss and balance sheet, an assumptions schedule, sensitivity analysis showing what happens if sales fall or costs rise by set percentages, and a narrative explaining the business and the use of funds in the terms lenders and grant bodies use. We brief you on the questions they will ask.
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.
How do I get started from Blackfriars?
Message us on WhatsApp or email with a sentence about your business and what you need. We reply in working hours with any questions and a fixed fee for cash-flow forecasting. Once you confirm, we tell you exactly which records to send and the work begins. Most Blackfriars clients are set up within a day.
Which deadlines matter most for cash-flow forecasting?
The next four dates that apply to cash-flow forecasting are shown at the top of this page, calculated from today. For Blackfriars clients we diarise every one of them from the day you join and send reminders before each, so the work is done in good time rather than in the last week before a penalty.
Get a fixed quote for Blackfriars today
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.