Cash-Flow Forecasting · South London
Cash-flow forecasting in Woodmansterne
Profit is an opinion; cash is a fact. Businesses in Woodmansterne 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 Woodmansterne
Businesses in Woodmansterne 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 Woodmansterne, 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 Woodmansterne
One fixed fee for cash-flow forecasting in Woodmansterne, agreed in writing before any work starts and never changed part-way through the job, however long it takes us.
We work to the HMRC and Companies House calendar, not an appointment diary. Clients in Woodmansterne get reminders at 60, 30 and 7 days before each date that applies to cash-flow forecasting.
We serve Woodmansterne 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.
Continuity matters in cash-flow forecasting: the person who prepared last year's work for your Woodmansterne business prepares this year's, and remembers what was agreed.
We explain cash-flow forecasting in the words Woodmansterne business owners use, not in accountant's shorthand, and we show our working so you can check it.
You stay in control of cash-flow forecasting: drafts go to Woodmansterne clients first, with the figures explained, and nothing leaves us until you say so.
Local facts
About Woodmansterne
Woodmansterne is in South London, within Croydon, in the CR5 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 |
|---|---|---|
| Coulsdon West | 0.5 mi | E |
| Chipstead, Reigate and Banstead | 0.6 mi | SW |
| Coulsdon | 0.6 mi | E |
| Little Woodcote | 1 mi | N |
| Starrock | 1 mi | S |
| Carshalton South and Clockhouse | 2 mi | N |
| Coulsdon East | 2 mi | SE |
| Old Coulsdon | 2 mi | SE |
Worth knowing
Rules that come up in this work
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.
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.
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
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
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
Companies formed to protect a name or hold a future business are dormant but not exempt: Companies House still expects dormant accounts within nine months of the year end and a confirmation statement annually with its £50 fee, and HMRC must be told the company is dormant or it will demand Corporation Tax returns. The filings are short, but the penalties for missing them are the same as for a trading company.
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.
Questions
Cash-Flow Forecasting questions from Woodmansterne
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.
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 Woodmansterne?
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 Woodmansterne 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 Woodmansterne 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 Woodmansterne today
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.