Know where your
cash is going —
before it's gone
Most businesses generate enough revenue to thrive, but lose it to poor cash visibility, hidden cost problems, and decisions made without numbers. I build the models and reports that give you a clear picture — and keep it current.
with, start to finish
required from you
any work starts
file or secure online access
"Profitable businesses fail every day — not because they ran out of revenue, but because they ran out of cash at the wrong moment."
The core problem this work addressesWhy cash flow
forecasting matters
Profit ≠ cash
A business can show profit on the P&L and run out of cash the same week. Timing of inflows and outflows is what determines survival, not the annual net figure.
Surprises are expensive
Emergency overdrafts, missed supplier discounts, and late-payment penalties are all symptoms of the same problem: not seeing the shortfall 4–6 weeks before it hits.
Late-paying clients compound the problem
On €200K revenue with 60-day average delays, you are self-financing roughly €33K of client work at any point — without realising it or planning for it.
Bank balance is not a forecast
Checking what is in the account today tells you nothing about what will be there in week 6. Decisions made on the current balance are made without the most important number.
Growth makes it worse
Revenue growth without working capital planning increases the cash gap. The faster the business grows, the more cash it consumes before income catches up.
Solvent businesses fail every day
The most common cause of SME failure is not losses — it is running out of cash while profitable. A forecast does not prevent bad luck, but it gives time to respond.
Cash flow clarity,
delivered as a working model
Each service is a defined deliverable with a fixed scope. You know what you receive, when you receive it, and what it costs before any work begins.
- Auditable Excel model built to your business
- Weekly update with actuals and revised forecast
- Cash position summary and 13-week runway
- Variance analysis: what changed and why
- Specific recommended actions for the coming week
- SMEs and agencies with €100K–€5M revenue
- Businesses with irregular or project-based income
- Operators who have experienced a cash surprise
- Anyone running without a finance team
(3–12 Month Planning Model)
- 3, 6, or 12-month monthly cash flow model
- Revenue driver assumptions, editable
- Funding gap identification by month
- Base and downside scenario comparison
- SMEs planning growth, hiring, or expansion over the next 3–12 months
- Businesses needing visibility on funding requirements before committing costs
- Companies with uncertain revenue timing or evolving pricing models
- Founders evaluating whether projected growth is financially viable
- Teams preparing for external financing (bank, investor, or internal approval) without a structured cash model
From first message to finished deliverable
No lengthy calls or drawn-out onboarding. Describe your situation in a short email, and I will reply with what would be useful and what it would cost — before any commitment is made.
Finance that explains itself
Most financial reports describe the past. What you need is a clear picture of where you stand today and what happens under different assumptions going forward.
Focused on outputs, not process
Every engagement ends with a specific deliverable — a model, a report, a plan — not with hours logged or meetings held.
Plain language alongside the numbers
Every model includes written commentary: what the numbers mean, what to watch for, and what action follows from them.
No software dependency
Work is delivered in Excel or Google Sheets. Nothing to subscribe to, install, or migrate. You own and control the files.
One contact throughout
You communicate directly with the person doing the work — not through account managers, support queues, or handoffs.
Not sure which service
you actually need?
Describe the decision you are trying to make, or the financial problem you are facing. A short email is enough — I will tell you what would be useful, what it includes, and what it costs. No commitment required, no call necessary.