Cash-Flow Forecasting · Central London
Cash-flow forecasting in Covent Garden
Cash-flow forecasting for businesses in Covent Garden: a 13-week rolling forecast is £199, a 12-month forecast with scenarios is £349, a monthly refresh retainer is £99 a month, and a funding-application forecast pack is £299. Fixed fees, published, and the same in Covent Garden as in every part of England.
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 Covent Garden
Businesses in Covent Garden 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 Covent Garden, step by step
Tell us your situation
A short message or call about what you do and what needs filing. We ask the questions that determine the right package and nothing more.
Fixed fee in writing
You receive one price for the work, confirmed by email before anything starts. It does not change if the job takes longer than we expected.
Send records, review the draft
Records come by WhatsApp or email. We prepare the draft, explain the figures in plain English and answer your questions.
We file, you get the receipts
Once you approve and the fee is settled, we submit electronically and forward the HMRC or Companies House acknowledgement the same day.
Why IGI
What you get in Covent Garden
The price for cash-flow forecasting is published on this page and is what a client in Covent Garden pays. We confirm it in writing first, and the invoice matches the quote.
Deadline-first: the dates that matter for cash-flow forecasting are shown at the top of this page, diarised for every Covent Garden client and chased before they arrive.
No appointments, no travel across Central London, no parking. Everything for cash-flow forecasting in Covent Garden happens online, with a real person on the other end during UK working hours.
You get one contact for cash-flow forecasting, not a queue. Covent Garden clients message the same person throughout and get an answer in working hours, usually within a few hours.
Plain English, with the numbers. Every draft for Covent Garden comes with a short explanation of what the figures mean and what, if anything, you should do about them.
You stay in control of cash-flow forecasting: drafts go to Covent Garden clients first, with the figures explained, and nothing leaves us until you say so.
Local facts
About Covent Garden
Covent Garden is in Central London, within Westminster, in the WC2E postcode district, England. Income tax in England follows the UK rates: 20% basic to £50,270, 40% higher to £125,140 and 45% additional, with the personal allowance of £12,570 tapered away above £100,000. National Insurance, VAT and Corporation Tax are UK-wide, and Stamp Duty Land Tax applies to property purchases.
| Place | Distance | Direction |
|---|---|---|
| Aldwych | 0.2 mi | E |
| Seven Dials | 0.2 mi | W |
| St Giles | 0.3 mi | NW |
| London | 0.3 mi | SW |
| Chinatown | 0.4 mi | W |
| Charing Cross, Westminster | 0.4 mi | S |
| Temple, Westminster | 0.4 mi | E |
| Tottenham Court Road | 0.4 mi | NW |
Worth knowing
Rules that come up in this work
Confirmation statements and identity verification
Every company must file a confirmation statement at least once a year, within fourteen days of its review date, with a £50 Companies House fee. Since November 2025 directors and people with significant control must also verify their identity with Companies House, and the confirmation statement is where existing officers confirm they have done so during the transition year.
CIS deductions
CIS turns construction subcontractors into advance taxpayers: a fifth of every labour payment goes to HMRC before they see it. Registering keeps the rate at 20% rather than 30%; gross payment status, for established businesses with a clean record, removes deductions altogether. The annual return is where the overpayment comes back, and filing it early brings the refund sooner.
The Self Assessment calendar
Four dates govern Self Assessment: 5 October to register, 31 October for paper returns, 31 January to file online and pay, and 31 July for the second payment on account. Missing the January date triggers an automatic £100 penalty before any tax is even considered, so we treat it as the fixed point around which the rest of the year is planned.
Payments on account
A common surprise in Self Assessment is the January payment that is far larger than expected. That is the balancing payment for the year just ended plus the first payment on account for the year ahead, which HMRC sets at half of the bill just calculated. We put the figure in your hands months ahead and tell you how to adjust it legitimately when circumstances change.
Late filing penalties
Lateness is expensive in a way that compounds. For individuals, £100 immediately, then daily penalties, then percentage-based ones at six and twelve months, with interest running on unpaid tax throughout. For companies, Companies House penalties scale with delay and double on repeat, and HMRC adds its own for a late CT600. Filing on time is the cheapest tax planning there is.
Making Tax Digital for Income Tax
The biggest change to Self Assessment in a generation is Making Tax Digital for Income Tax, now live for higher-earning sole traders and landlords and arriving for the rest in stages. Quarterly updates are due by 7 August, 7 November, 7 February and 7 May, built from digital records. The practical consequence is that spreadsheet-and-shoebox bookkeeping is ending for anyone above the threshold.
The VAT registration threshold
The £90,000 VAT threshold is measured over any twelve consecutive months, which is why a strong quarter can tip a business over unexpectedly. Registration must follow within thirty days of the end of the month the threshold was crossed. Below the threshold, voluntary registration is worth considering when customers are VAT-registered businesses and costs carry VAT.
Questions
Cash-Flow Forecasting questions from Covent Garden
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 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.
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.
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 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.
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.
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 Covent Garden 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.
How do I get started from Covent Garden?
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 Covent Garden clients are set up within a day.
Ready to fix your fee in Covent Garden?
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.