Cash-Flow Forecasting · Yorkshire
Cash-flow forecasting in Hull
Cash-flow forecasting for businesses in Hull: 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 Hull 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 Hull
Businesses in Hull 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 Hull, 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
The IGI way of working, in Hull
One fixed fee for cash-flow forecasting in Hull, agreed in writing before any work starts and never changed part-way through the job, however long it takes us.
Nothing for Hull 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.
We serve Hull remotely by design: records by WhatsApp or email, drafts back for approval, filing electronic. The saving on premises is passed to you in the fee for cash-flow forecasting.
A named person handles your cash-flow forecasting from Hull and knows the file, so you are not re-explaining your business to a different helpdesk each time.
We explain cash-flow forecasting in the words Hull business owners use, not in accountant's shorthand, and we show our working so you can check it.
Nothing is filed for Hull 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 Hull
Hull is in Yorkshire, in the HU8 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 |
|---|---|---|
| Stoneferry | 0.1 mi | E |
| Wilmington, Kingston upon Hull City of | 0.4 mi | SE |
| Sculcoates | 0.5 mi | W |
| Garden Village, Kingston upon Hull City of | 0.7 mi | E |
| Summergangs | 0.8 mi | SE |
| Newland, Kingston upon Hull City of | 0.9 mi | W |
| Witham, Kingston upon Hull City of | 1 mi | S |
| Stepney, Kingston upon Hull City of | 1 mi | W |
Worth knowing
Rules that come up in this work
Switching accountants
The main reasons people switch accountant are surprise invoices, missed deadlines and not understanding what they are being told. Switching involves a clearance letter between the firms, a transfer of records and agent authorisations, and a short handover of the current position. It takes about two weeks and should cost nothing extra.
Closing a company
Voluntary strike-off is available only to solvent companies. One that owes money it cannot pay needs a creditors' voluntary liquidation through a licensed insolvency practitioner, and directors who dissolve an insolvent company face personal consequences. For a solvent company the process takes three to four months from filing the DS01, with notice to creditors and shareholders within seven days.
Dormant companies
A dormant company is one with no significant accounting transactions in the year, where the only permitted entries are the payment for shares on incorporation, Companies House fees and penalties. It still files a confirmation statement and simplified dormant accounts every year. A bank charge or an accountant's fee paid from the company ends dormancy and requires full accounts.
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.
Employer National Insurance
The cost of an employee is more than the salary. Employer National Insurance at 15% above £5,000 a year, the 3% minimum pension contribution, holiday pay, equipment and management time all come on top. The Employment Allowance of £10,500 reduces the National Insurance for most employers with more than one person on the payroll.
Workplace pensions and auto-enrolment
Auto-enrolment duties begin the day you take on your first employee, not when the Pensions Regulator writes to you. Eligible staff must be enrolled, contributions paid every pay period and re-enrolment carried out every three years. Director-only companies without employment contracts are usually exempt. Fines for non-compliance are fixed and escalating.
Record keeping
HMRC requires records of all income and expenses, bank statements, invoices and receipts to be kept for at least five years after the 31 January filing deadline of the tax year they relate to, and companies must keep records for six years from the end of the accounting period. Digital copies are acceptable. Under Making Tax Digital the records must be kept in compatible software.
Questions
Cash-Flow Forecasting questions from Hull
What happens after the forecast is delivered?
You receive the model, a briefing call to walk through it, and a written note of the assumptions and the pinch points we see. You can run it yourself from there, or take the £99 monthly refresh so we keep it live. Many clients start with a one-off forecast and move to the retainer once they see its value.
How quickly can you produce a forecast?
A 13-week forecast within five working days of receiving your data; a 12-month forecast with scenarios within ten. Funding packs depend on the lender's format but typically two weeks. If you have a deadline for an application, tell us when you book and we plan backwards from it.
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.
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.
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.
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.
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 Hull 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 Hull?
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 Hull clients are set up within a day.
Ready to fix your fee in Hull?
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.