Cash Flow Forecasting Torbay
Know where your cash is going, before it matters.
Most Torbay business owners find out about a cash shortfall the week it hits. A 13-week rolling forecast changes that. You get a clear, plain-English view of your position, updated regularly, so decisions are based on numbers rather than instinct. Fixed monthly fee, ACCA-qualified accountant, questions answered the day you ask them.
- Spot funding gaps weeks before they become a problem
- Monthly or quarterly forecasts updated with your actual figures
- Know your tax liabilities before HMRC sends the reminder
- Decisions made on data, not gut feel or outdated spreadsheets
No long-term contract. If it is not working after three months, you leave with your forecasting model intact and nothing owed.
Get a free quote
Fixed pricing. Same-day reply.
What our clients say
★★★★★
Turned Around Fast Without Cutting Corners
“Daniel was extremely responsive, clear, and professional throughout. Fees were transparent, turnaround was fast, and the work was done thoroughly and accurately.”
★★★★★
Rates Beat Most Other Accountants
“His rates are extremely good compared to some other accountants out there and I get more for my money.”
★★★★★
Made Everything Clear From the Start
“Daniel was very helpful and patient with me when I had no clue what to do and spoke through everything with me and made it clear.”
★★★★★
Professional Accounts Every Year, No Worry
“Professional service. This company does my accounts every year and i never have to worry about it. Speedy as well.”
Sound familiar?
Still finding out about cash problems after they hit?
Cash flow is one of those things that feels manageable until it suddenly is not. Plenty of profitable Torbay businesses have hit a dry patch they did not see coming — a late-paying client, a VAT bill landing at the wrong moment, or a seasonal dip that was steeper than expected. The information to anticipate all of that usually exists. It just has not been pulled together in a useful way.
- No clear view of cash position beyond the current bank balance
- VAT and tax bills arriving as surprises rather than planned expenses
- Growth decisions made on instinct because forward-looking numbers do not exist
What a decent forecast actually does
A rolling cash flow forecast gives you a working model of the next 13 weeks — updated against real figures, not wishful thinking. You can see where pressure points are before they arrive, plan around them, and make investment or hiring decisions with confidence.
- Your cash position visible 13 weeks ahead, updated with actual bank data
- VAT and Corporation Tax liabilities built into the forecast so nothing lands as a shock
- Scenario modelling so growth decisions come with numbers, not guesswork
- Fixed monthly fee, agreed upfront — no surprise invoices for extra hours
What Torbay clients say about working with Daniel
Clients come with books in various states. Most leave wondering why they waited. Here are two accounts of what working with DG Accountancy is actually like.
Absolutely recommend Daniel for all and any accounts related matter. Would use his expertise again. He is the most amazing person, very professional, explaining every detail meticulously in order to finalise our accounts. A huge thank you Daniel.
Professional service. This company does my accounts every year and i never have to worry about it. Speedy as well. I am a very happy customer.
Three things included in cash flow forecasting
Cash flow forecasting at DG Accountancy is not a spreadsheet emailed once a year. It is a live, updated model built around your actual business — combined with the advisory support to act on it.
Rolling 13-Week Cash Flow Model
A forward-looking forecast updated regularly against your real bank and bookkeeping data. You can see upcoming pressure points — loan repayments, tax bills, payroll — weeks before they land. The model is built in plain language, not finance-speak.
Included in Grow and Scale packagesScenario Planning and Stress Testing
What happens if that large client pays 30 days late? What if you take on a new employee next quarter? Scenario modelling lets you test assumptions before committing to them. It is considerably less expensive than finding out the answer the hard way.
Available on requestTax Liability Planning Built In
VAT quarters, Corporation Tax payments on account, and Self Assessment liabilities are built into the forecast from the start. Your tax position is visible months in advance, so you can set funds aside rather than scramble when the bill arrives.
Included as standardConsistent results across different clients
Sole traders, limited companies, landlords and contractors — the feedback tends to land on the same things: responsiveness, clarity, and a sense that things are properly under control.
Quick, Efficient and Friendly Probate Accounts
“Excellent service providing financial accounts for probate. Quick, efficient and friendly. Would highly recommend.”
Fantastic Service Provided
“Fantastic service provided. Thank you.”
Fast Turnaround on Time-Sensitive Mortgage Work
“Daniel was extremely responsive, clear, and professional throughout. He understood exactly what the lender required, turned everything around very quickly without cutting corners.”
What makes the difference for Torbay businesses
Any accountant can produce a spreadsheet. Fewer can explain what it means, update it when the numbers change, and flag what to do about it.
Forecasts built on your actual numbers
Cash flow models are only useful if they reflect reality. Daniel connects your Xero account and bank feeds so the forecast updates with live data, not last quarter’s assumptions. You are working from current figures, not a snapshot that aged the moment it was produced.
Plain English, no finance-speak
A forecast full of acronyms and unlabelled columns does not help you make decisions. Daniel explains what the numbers mean and what options they open up — in language you can act on. No decoding required.
Twenty years across multiple industries
Daniel has worked in airlines, construction, manufacturing and entertainment. That means he has seen cash flow under pressure in very different circumstances and knows what the warning signs look like early. You get that context applied to your business, not a generic template.
Up and running in four straightforward steps
Most clients have a working cash flow model within a week of onboarding. Here is what the process looks like from the first call.
Book a free discovery call
We talk through your business, your current financial visibility, and what you need from a forecast. No sales pitch — just an honest conversation about whether the service makes sense for where you are right now.
Receive your fixed-fee quote
You get a clear, written quote covering cash flow forecasting and any other services you need. Everything is agreed upfront so there are no surprises on the invoice later.
Xero setup and onboarding
We connect your Xero account, link bank feeds, and pull in your existing data. If your books need tidying first, we handle that too. Most clients are fully set up within a week.
Your forecast, running and maintained
From here, your cash flow model updates with real figures and you get a plain-English summary of what it shows. You spend your time running your business — not working out whether you can afford next quarter.
“Daniel was very helpful with my books and tax return. He offered great advise and insight in how to manage my books better and more efficiently. His knowledge in tax law and what can be used for expenses really helped with saving money where I could.”
Things people usually ask before getting started
What does a cash flow forecast actually cover and how often is it updated?
The standard model covers a rolling 13-week period and is updated against your actual bank and bookkeeping data — so it reflects what is happening now, not what was expected three months ago. It includes operating cash, VAT and tax liabilities, payroll and any known large outgoings. Frequency depends on your package; Grow clients receive quarterly updates and Scale clients receive monthly updates as standard.
How much does cash flow forecasting cost and what is included?
Cash flow forecasting is included in the Grow package (from £395 per month) and the Scale package (from £695 per month), both of which include the forecast alongside management accounts, VAT filing, payroll and Self Assessment. For the first three months, both packages are available at 50% of the monthly fee. Everything is agreed in writing before any work starts.
My books are behind and my Xero is a mess — can you still help?
Yes, and it is a fairly common starting point. Before building a reliable forecast you need clean, current bookkeeping — so catch-up work is the first step if your records are not up to date. Daniel will assess what is needed and quote for it separately so you know the cost before committing. Once the books are current, the forecast can be built on solid data rather than estimates.
Is there a minimum contract or lock-in period?
No minimum contract. Fees are monthly and you can give notice at any time. If you decide to leave, you take your Xero data and your forecasting model with you — nothing is locked inside a proprietary system. The aim is that the service is useful enough that leaving does not cross your mind, not that it is difficult to do.
Can you model specific scenarios — like taking on a new hire or a large client paying late?
Yes. Scenario modelling is part of what makes a forecast genuinely useful rather than decorative. Common scenarios include late debtor payments, seasonal revenue dips, new headcount, equipment purchases, and changes to VAT registration status. You ask the question, Daniel runs the numbers and explains what the model shows in plain English.
Will the forecast show my upcoming tax bills so I can set money aside?
That is built in as standard. Corporation Tax payments on account, VAT quarters, and director Self Assessment liabilities are included in the model from the outset. The goal is that no tax bill arrives as a surprise — you can see it coming, plan for it, and have the funds in place before the due date.
Stop finding out about cash problems after they arrive.
A rolling cash flow forecast gives you a clear, current view of your finances weeks ahead. Fixed monthly fee, ACCA-qualified accountant, plain English throughout — and no long-term contract.