Cash-flow forecasting in Stepney — from £199, fixed.
Whether it's reassurance, a bank application or a genuinely tight quarter ahead, we build cash-flow forecasts Stepney (E1) owners can actually steer by. Also serving St. Dunstan's and Stepney Green, Ratcliff, Tower Hamlets.
Cash-Flow Forecasting for Stepney — done properly, entirely online
Businesses in Stepney with lumpy income, big upcoming commitments, seasonal patterns, funding applications — or owners who are simply tired of being surprised by the bank balance.
What's included
- Forecast built from your actual payment patterns, not guesses
- VAT, PAYE and corporation tax timings baked in — the bills that ambush
- Best/expected/worst scenarios so you know the range
- Clear flags: the weeks to watch and the buffer you need
- Bank- and lender-ready formatting when raising funds
Why choose Bohzo Accountants in Stepney?
Records in over the portal or WhatsApp, approvals from your phone, filings sent electronically — Stepney to HMRC without a single appointment.
Your fee is agreed before any work starts and never changes mid-job. No hourly billing, ever.
We track every HMRC and Companies House date that applies to you, so you don't have to.
Bohzo Accountants trades as Bohzo Ltd, registered in the UK under Company No. 15031604 — check us on Companies House any time.
Compare our fixed cash-flow forecasting fees
| Your situation | Fixed fee |
|---|---|
| 13-week rolling cash-flow forecast | £199 |
| 12-month forecast with scenarios | £349 |
| Forecast + monthly refresh retainer | £99/mo |
| Funding-application forecast pack | £299 |
“From” pricing reflects the simplest case; anything more complex is quoted as a fixed fee in writing before work begins — and never changes after.
Online accountants vs the high street
A high-street accountant in East London typically bills by the hour, meets by appointment and prices each extra question. We work the other way round: one fixed fee agreed in writing before anything starts, every question included, and the whole engagement handled online — which is exactly why we can serve Stepney at fees a walk-in office can't match.
There's no office to fund in Stepney and no office to visit: records travel through our secure portal or WhatsApp, approvals happen on your phone, and filings go to HMRC and Companies House electronically. You get the same qualified work — minus the overheads, the travel and the surprises on the invoice.
Cash-Flow Forecasting in Stepney: from first message to filed
A WhatsApp message from Stepney is enough to start: what you need, what shape your records are in, any deadline you're worried about.
The quote arrives in writing, covers everything discussed, and is the number you'll actually pay. No revisions later.
Identity checks, engagement letter, secure record upload — all handled from wherever you are in Stepney. We chase whatever's missing.
Nothing is filed until you've seen and approved it. Once you have, submission is electronic and confirmation comes straight back.
The same service in Stepney as anywhere — by design
We built this service so that someone in Stepney never pays a premium — or accepts worse service — because of geography. Same specialists, same published fees, same speed, wherever in East London you are.
Being in London, Stepney clients often come to us comparing against firms charging central-London rates for the same compliance work. The work is identical; the overheads aren't — and since we carry no premises anywhere, our fees don't care about postcodes.
Where we work around Stepney
Stepney sits in the borough of Tower Hamlets (Stepney Green ward), E1 postcode area. Stepney clients often ask whether we also cover the surrounding villages and towns. We do — here's what "nearby" actually looks like from Stepney.
| Nearby | Distance from Stepney | Direction |
|---|---|---|
| St. Dunstan's and Stepney Green | 0.1 miles | east |
| Ratcliff | 0.4 miles | south |
| Tower Hamlets | 0.5 miles | east |
| East London | 0.5 miles | north-east |
| Limehouse | 0.6 miles | south-east |
Distances are straight-line, between place centres. Every listed place — and everywhere between — is served online at the same fixed fees.
Stepney cash-flow forecasting FAQs
Why 13 weeks?
It's the standard lenders and turnaround professionals use: long enough to see problems coming, short enough to stay accurate week by week. The 12-month version adds strategic planning on top.
What do you need from me to build it?
Access to your bookkeeping (or recent bank data), your debtor and creditor lists, and ten minutes on payment patterns. Most forecasts are delivered within a week of getting access.
What happens when the forecast shows a problem?
That's the point — seeing it early is what creates options: chasing debtors, delaying spend, arranging finance while banks still say yes, or agreeing HMRC time-to-pay in advance. We'll recommend the sequence in the flags section of the forecast.
Do I need to visit an office in Stepney?
No — there's nothing to visit and nothing to print. We're an online firm: records go through our secure portal or WhatsApp, and everything is filed electronically. It works the same whether you're in Stepney or anywhere else in East London.
I searched "cash-flow forecasting near me" — is this service really local to Stepney?
Stepney is fully covered, yes. The work is done online, which in practice means more local than an office: same-day replies instead of appointment slots, and the same published fixed fee whether you're in Stepney town centre or the edge of East London. If you'd rather talk it through first, WhatsApp us — a real person answers.
Who will actually handle my cash-flow forecasting?
Bohzo Accountants — a trading name of Bohzo Ltd, a registered UK company (No. 15031604). You get a named contact, a fixed fee in writing, and nothing is filed until you've reviewed and approved it.
How do your fixed fees work?
You tell us your situation, we quote one fixed price in writing before any work starts, and that price never changes mid-job. If your case is unusually complex we'll say so up front and agree a different fixed price — but the fee is always agreed before we begin, never after.
The short version of the rules that matter
Subcontractors under the Construction Industry Scheme have 20% deducted at source — often more than their final tax bill once expenses and the personal allowance are counted. That's why CIS refunds are so common: the average claim is well into four figures, but only if the deduction statements are all gathered.
Dividends can only be paid from accumulated profits, and paperwork matters: board minutes and dividend vouchers, dated correctly. "Illegal dividends" isn't dramatic language — overdrawn payments can be reclassified, with tax consequences, if the profits weren't there.
Payments on account catch people out because the first year effectively bills you one-and-a-half years of tax at once. Knowing that in advance changes how you save through the year — and if profits fall, we can apply to reduce the July payment rather than lending HMRC money interest-free.
A good accountant should be able to tell you, in plain English, what they'll do, when, and for exactly how much. Vagueness on any of the three is the tell. Everything else — size of firm, fancy office, distance from Stepney — is decoration.
Company deadlines run off your accounting year end, not the tax year: corporation tax is payable nine months and one day after year end, and the CT600 return is due twelve months after. Confusingly, the payment is due before the return — a sequencing quirk that catches new directors.
Timing disposals across tax years, using losses properly, and the spousal transfer rules can all legitimately reduce capital gains bills — but only before the sale. CGT planning after completion is just arithmetic.
The trading allowance means up to £1,000 of gross side income per year can be tax-free with no return needed. Above that, registration and reporting kick in — and platforms now report seller data to HMRC, so "under the radar" isn't a strategy any more.
VAT registration becomes compulsory once your taxable turnover in any rolling 12 months passes £90,000 — and "rolling" is the word that catches people, because it's not your accounting year. Businesses in Stepney growing towards that line should be watching it monthly.
General guidance, not personal advice — thresholds and dates change. For advice on your own position in Stepney, message us and we'll answer against your actual numbers.
Cash-Flow Forecasting near Stepney
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