Cash-Flow Forecasting · West London
Cash-flow forecasting in Stanwell
Profit is an opinion; cash is a fact. Businesses in Stanwell 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 Stanwell
Businesses in Stanwell 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 Stanwell, 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 Stanwell
The price for cash-flow forecasting is published on this page and is what a client in Stanwell pays. We confirm it in writing first, and the invoice matches the quote.
Nothing for Stanwell 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 West London, no parking. Everything for cash-flow forecasting in Stanwell happens online, with a real person on the other end during UK working hours.
A named person handles your cash-flow forecasting from Stanwell 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 Stanwell 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 Stanwell, every submission to HMRC or Companies House follows your written go-ahead.
Local facts
About Stanwell
Stanwell is in West London, within Spelthorne, in the TW19 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 |
|---|---|---|
| Bedfont, West | 0.7 mi | E |
| West Bedfont | 0.7 mi | E |
| East Bedfont | 1.0 mi | E |
| Stanwell Moor | 1 mi | W |
| Heathrow | 1 mi | NE |
| Shortwood, Spelthorne | 1 mi | SW |
| Ashford (Spelthorne) | 1 mi | SE |
| Birch Green, Spelthorne | 2 mi | SW |
Worth knowing
Rules that come up in this work
Closing a company
Striking off a company is cheap but must be done in order: stop trading, file the final accounts and CT600, pay the tax, close VAT and PAYE, distribute the remaining assets, close the bank account, then apply. Anything left in the company at dissolution passes to the Crown. Distributions up to £25,000 are taxed as capital gains; above that a formal liquidation is usually needed to keep capital treatment.
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.
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.
Crypto records and reporting
HMRC treats cryptoassets as property. Swapping one token for another, spending crypto or gifting it are all disposals for Capital Gains Tax, and staking and lending rewards are income. Gains are computed under pooling rules with same-day and 30-day matching. From 2026 HMRC receives data from exchanges worldwide under the Cryptoasset Reporting Framework, so unreported activity is increasingly visible.
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
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.
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.
Questions
Cash-Flow Forecasting questions from Stanwell
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 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 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.
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.
How do I get started from Stanwell?
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 Stanwell 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 Stanwell 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.
Fixed fees, filed on time, for Stanwell
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.