Cash-Flow Forecasting · Central London
Cash-flow forecasting in Liverpool Street
Cash-flow forecasts for Liverpool Street 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 Liverpool Street
Businesses in Liverpool Street 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 Liverpool Street, 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 Liverpool Street
The price for cash-flow forecasting is published on this page and is what a client in Liverpool Street pays. We confirm it in writing first, and the invoice matches the quote.
Nothing for Liverpool Street 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.
Online only, UK based. There is no office in Liverpool Street to pay for, which is why the fee is the same here as anywhere in England; the work is done by people in the UK who answer the same day.
You get one contact for cash-flow forecasting, not a queue. Liverpool Street clients message the same person throughout and get an answer in working hours, usually within a few hours.
The output for Liverpool Street 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 Liverpool Street 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 Liverpool Street
Liverpool Street is in Central London, within City of London, in the EC2M 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 |
|---|---|---|
| Coleman Street | 0.1 mi | W |
| Broad Street, City of London | 0.1 mi | S |
| Moorgate, City of London | 0.1 mi | NW |
| Broadgate, City of London | 0.2 mi | NE |
| Cornhill, City of London | 0.2 mi | S |
| Bishopsgate, City of London | 0.2 mi | E |
| Guildhall, City of London | 0.3 mi | SW |
| Bassishaw | 0.3 mi | W |
Worth knowing
Rules that come up in this work
The trading and property allowances
Small side incomes are covered by two £1,000 allowances, one for trading and one for property, which remove the need to register or report income below that level. Once income exceeds £1,000, the allowance can be used in place of expenses, a choice worth making deliberately: a freelancer with £900 of costs is better off with the allowance, one with £3,000 is not.
Dormant companies
Dormancy is a status that is easy to lose. The strict rule is no accounting transactions other than share capital and Companies House fees, which means no bank account activity at all in practice. Fees should be paid personally by the director. A company that traded and has stopped becomes dormant only after its final trading accounts and tax return are filed and HMRC is told.
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.
Employer National Insurance
Employers pay National Insurance at 15% on each employee's earnings above the £5,000 secondary threshold, following the April 2025 changes. The Employment Allowance offsets up to £10,500 of this for eligible employers, which for a small team often removes the liability entirely, but companies where the director is the only employee do not qualify.
Allowable expenses
The expenses sole traders most often miss are home working costs, claimed by actual proportion or HMRC's flat rate, the business share of phone and internet, mileage at 45p for the first 10,000 business miles, and training that maintains existing skills. The ones most often claimed wrongly are commuting, entertaining customers and clothes that could be worn outside work.
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
Since April 2020 a gain on UK residential property must be reported and the tax paid within 60 days of completion through HMRC's dedicated service, separately from the annual return. Non-residents must report all UK land disposals in the same window whether or not tax is due. Getting the computation right first time matters because the figure is then carried into the Self Assessment.
Questions
Cash-Flow Forecasting questions from Liverpool Street
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.
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.
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.
Is cash-flow forecasting in Liverpool Street really the same price as elsewhere?
Yes. The fee published on this page is what a client in Liverpool Street 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 Liverpool Street?
No. IGI Accounting is an online-only firm. We serve Liverpool Street 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 Liverpool Street as anywhere else in the country, and why there is nothing to visit and nothing to print.
Fixed fees, filed on time, for Liverpool Street
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.