Financial Projections Torbay
Know where your business is heading, before it gets there.
Most Torbay business owners make growth decisions on instinct rather than numbers — not because they are reckless, but because no one has shown them what a reliable forward-looking model looks like. DG Accountancy builds financial projections on your actual figures, explains them in plain English, and charges a fixed fee agreed upfront. Daniel is ACCA-qualified with 20 years of cross-sector experience, and questions get answered the same day you ask them.
- Projections built on your real numbers, not assumptions pulled from thin air
- Cash runway and profitability milestones visible months in advance
- Outputs formatted for lenders, investors or internal planning decisions
- Fixed fee agreed upfront — no hourly clock running in the background
No long-term contract. If it is not working after three months, you leave with clean books and nothing owed.
Get a free quote
Fixed pricing. Same-day reply.
What our clients say
★★★★★
Fast Turnaround When Deadlines Mattered
“Daniel was extremely responsive, clear, and professional throughout. He understood exactly what the lender required, turned everything around very quickly without cutting corners.”
★★★★★
Better Value Than Other Accountants
“His rates are extremely good compared to some other accountants out there and I get more for my money.”
★★★★★
Every Detail Explained Meticulously
“He is the most amazing person, very professional, explaining every detail meticulously in order to finalise our accounts.”
★★★★★
No Clue Going In, Clear Coming Out
“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.”
Sound familiar?
Running the business on gut feel rather than numbers?
Making investment or hiring decisions without a clear forward view of the finances is common — and entirely understandable when the day-to-day takes priority. The problem is that lenders, investors and even your own planning all rely on credible projections, and a spreadsheet thrown together the night before a meeting rarely convinces anyone. For Torbay businesses especially, where seasonal trading patterns can distort the picture, getting the forward model right matters more than most people realise.
- Decisions made on instinct because the numbers are never projected forward
- Unable to present credible financials when approaching a bank or investor
- No visibility of cash position or profitability three, six or twelve months out
What a proper projection looks like
Financial projections should be built on your actual trading data, adjusted for what you know is coming. They should be readable by a lender, usable for internal decisions, and explainable in a single conversation. That is what DG Accountancy produces.
- Projections grounded in your real revenue and cost data, reviewed with you
- Outputs structured and formatted for lenders, investors or grant applications
- Rolling cash flow visibility so you can see tight periods months in advance
- Fixed fee agreed before work starts — no surprise invoice at the end
What Torbay clients say about working with us
Business owners across Torbay and Devon regularly comment on the combination of accuracy, clear explanations and fast turnaround. Here are two examples.
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.
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.
Three things your projections engagement covers
Financial projections from DG Accountancy are not a one-size template. Each model is built around your business structure, sector and specific planning purpose.
Revenue and Cost Modelling
Your projections start from actual historical figures — not industry averages or guesswork. Revenue streams, variable costs, fixed overheads and known upcoming changes are all factored in before any forward numbers are produced. You end up with a model that reflects how your business actually works.
Built on your actual dataCash Flow Forecasting Included
A profit projection tells you one thing; a cash flow forecast tells you something more useful — when the money arrives and when it leaves. For Torbay businesses with seasonal income patterns, seeing the cash position month by month is often more valuable than the headline profit number. Both are produced as standard.
Monthly cash visibilityLender and Investor Ready Outputs
If you need to present to a bank, apply for a loan, or satisfy an investor’s due diligence process, the format and supporting narrative of your projections matters as much as the numbers. DG Accountancy produces outputs that meet what lenders typically expect, with a written commentary you can use without modification.
Formatted for external useConsistent feedback across different clients
Clients range from sole traders to limited companies, across sectors from hospitality to professional services. The feedback themes are notably consistent: responsiveness, clarity and accuracy.
Turned Around Fast Without Cutting Corners
“Fees were transparent, turnaround was fast, and the work was done thoroughly and accurately. I wouldn’t hesitate to recommend Daniel to anyone needing reliable accountancy support, particularly where deadlines really matter.”
Self-Employed Tax Handled Without the Headache
“Huge thanks to Daniel for helping ourselves with our taxes! Being self employed means we all have to do this ourselves which is just not possible on top of our work load. Thanks again! We will be using you again!”
Quick, Efficient and Friendly From Start to Finish
“Excellent service providing financial accounts for probate. Quick, efficient and friendly. Would highly recommend.”
What makes the difference for Torbay businesses
There are plenty of accountants who will produce a spreadsheet and call it a projection. These are the three reasons the output from DG Accountancy tends to be more useful.
Twenty Years Across Real Businesses
Daniel has worked in airlines, construction, manufacturing and entertainment — industries where forward planning and cash visibility genuinely matter. That breadth means he understands the assumptions that are actually reasonable for your sector, rather than applying a generic template. You get projections that reflect how your kind of business behaves, not how a textbook says it should.
Numbers Explained, Not Just Delivered
A projection is only useful if you can explain it to a lender, act on it yourself, or defend it in a meeting. DG Accountancy runs through the key assumptions and outputs with you in plain English before anything is finalised. You will not be handed a file and left to interpret it alone.
Questions Answered the Day You Ask
Projections raise follow-up questions — what if revenue comes in lower, what if a cost increases, what does the bank actually need to see. DG Accountancy is known for responding quickly and without the holding pattern that larger firms tend to impose. If something needs adjusting or explaining, it gets dealt with promptly.
Up and running in four straightforward steps
Most clients have a working projection model within two weeks of their first call. Here is what the process looks like from your side.
Book a free discovery call
A short conversation about your business, what you need the projections for, and what data you currently have available. No obligation and no sales pressure — just a practical discussion about whether it makes sense to proceed.
Receive a fixed-fee quote
You will receive a clear written quote covering exactly what will be produced and what it will cost. Everything is agreed before any work begins, so there are no surprises on the invoice.
Share your figures
You provide recent accounts, bank statements or Xero access — whichever you have. DG Accountancy handles the modelling, applies the assumptions, and builds the projection from there. The data-gathering process is kept as light as possible on your end.
Review, use and plan ahead
The completed projection is walked through with you, assumptions explained and any adjustments made. You leave with a model you understand and can present with confidence — and a clearer picture of where the business is heading than you had before.
“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.”
Things people usually ask before getting started
What do you actually need from me to build a financial projection?
The minimum is a set of recent accounts and a few months of bank statements — ideally with Xero access if you use it. From there, the modelling, assumptions and formatting are handled on our end. A short call is usually enough to establish what the projection needs to show and who the audience is, whether that is a lender, an investor or your own internal planning.
What does a financial projection engagement cost?
Fees depend on the complexity of your business and what the projection needs to cover — a simple twelve-month revenue forecast for a sole trader is a different scope to a three-year model with scenario analysis for a limited company seeking investment. A fixed fee is agreed before any work begins. There are no hourly rates running in the background and no invoice surprises.
My books are not in great shape — can you still build a useful projection?
Yes, though it may require a catch-up bookkeeping exercise first, so the projection is built on accurate figures rather than approximations. That work is quoted separately and transparently. A projection built on unreliable data is not worth presenting to a lender, so getting the base numbers right first is usually the sensible approach.
Is there a long-term contract or minimum commitment?
No. Project-based work like financial projections is quoted and delivered on a fixed-fee basis with no ongoing commitment unless you choose one. If you decide to move to a monthly accounting package afterwards, there is no minimum term — you can leave with clean books and nothing owed.
Can the projections be updated if my circumstances change?
Yes. Once the base model exists, updating it for changed assumptions — revised revenue targets, a new cost line, a change in VAT position — is considerably faster than building from scratch. A refresh fee applies, agreed upfront, and is a fraction of the original cost.
Will the projection show my tax position as well as profit and cash flow?
Where relevant, yes. For limited companies, Corporation Tax is factored into the net position so you are not misreading pre-tax profit as cash available to draw. For sole traders, the self-assessment liability can be incorporated so you are not caught short by a January bill. The level of tax detail is discussed at the outset and matched to what you actually need.
Stop guessing what the numbers will do. Find out instead.
A free discovery call takes twenty minutes. You will leave knowing exactly what a financial projection would cost, what it would cover, and whether it is the right next step for your business.