Cash-flow forecasting in Stourbridge — from £199, fixed.
Profitable businesses die of cash-flow surprises. Our forecasts show Stourbridge businesses exactly when money gets tight — including the VAT and tax bills that ambush — months in advance. Fixed fees, serving Stourbridge and nearby Hanbury Hill, Amblecote, Clatterbatch.
Cash-Flow Forecasting for Stourbridge — done properly, entirely online
Businesses in Stourbridge 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
What Stourbridge gets with Bohzo Accountants
Before we touch anything for a Stourbridge client, the fee is in writing — and it stays put. Hourly billing doesn't exist here.
Every filing date that applies to you goes in our diary the day you join — and we chase the records, not the other way round.
Bohzo Accountants is a trading name of Bohzo Ltd, Company No. 15031604.
Upload, approve, filed. The whole engagement runs from your phone or laptop, on your schedule rather than office hours.
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
Traditional firms around West Midlands still run on hourly billing, office appointments and fees you discover after the work. Our model inverts that: the fee is fixed and written down before work begins, questions are part of the service rather than billable events, and everything happens online — the reason Stourbridge pays the same as everywhere else.
There's no office to fund in Stourbridge 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 Stourbridge: from first message to filed
WhatsApp or the enquiry form — describe what you need and roughly what your records look like. Two minutes.
You get one written fixed price before anything begins — and if your case is unusual, we price that honestly up front.
Onboarding is a phone job: verify identity, sign the engagement letter, upload records. Nothing needs you to leave Stourbridge.
You review everything first. Then it goes to HMRC electronically and you get confirmation immediately.
The same service in Stourbridge as anywhere — by design
We built this service so that someone in Stourbridge never pays a premium — or accepts worse service — because of geography. Same specialists, same published fees, same speed, wherever in West Midlands you are.
Smaller towns like Stourbridge are exactly why we work online: the nearest high-street firm may be a drive away, keep office hours, and price like scarcity. Your accountant should be as close as your phone — and priced like competition exists.
Where we work around Stourbridge
Stourbridge is part of West Midlands, in the DY8 postcode area, with Hanbury Hill its nearest neighbour — about 0.4 miles to the south. If you're comparing local options from Stourbridge, it helps to see the map the way we do — one service area, no travel involved.
| Nearby | Distance from Stourbridge | Direction |
|---|---|---|
| Hanbury Hill | 0.4 miles | south |
| Amblecote | 0.4 miles | north |
| Clatterbatch | 0.5 miles | east |
| Bouchall | 0.6 miles | east |
| Heath | 0.7 miles | south-west |
Distances are straight-line, between place centres. Every listed place — and everywhere between — is served online at the same fixed fees.
Stourbridge 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 Stourbridge?
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 Stourbridge or anywhere else in West Midlands.
I searched "cash-flow forecasting near me" — is this service really local to Stourbridge?
Stourbridge 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 Stourbridge town centre or the edge of West Midlands. 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.
Things worth knowing before your next filing
CIS deduction statements go missing constantly — contractors change, emails vanish. HMRC's records can fill some gaps, but the fastest refunds belong to subcontractors who keep every monthly statement. If you're in construction around Stourbridge, that one habit is worth real money.
Selling a rental property triggers capital gains tax with a tight reporting window — UK residential sales must be reported and the tax paid within 60 days of completion. It's one of the easiest deadlines in the whole system to miss, and one of the most penalised.
Most HMRC letters are routine — a statement, a code change, a reminder. The rule is simple: never ignore one, and never panic over one. Forwarded to your accountant the day it arrives, almost every letter is a five-minute job.
Ask any prospective accountant two questions: "what's included in the fee?" and "what costs extra?" The quality of those two answers predicts the whole relationship.
The July payment on account is the forgotten deadline: no return is due, but money often is. We diary it for every client it applies to, because HMRC charges interest from the day it's late even though nothing was "filed" late.
The £90,000 VAT threshold is measured over any 12-month rolling window, so a strong few months can tip you over mid-year. There's a 30-day window to register once you cross it; miss that and HMRC can backdate the liability to when you should have registered.
HMRC requires records to be kept for at least five years after the filing deadline for the self-employed. Digital copies count. A cloud folder or app now beats a carrier bag of paper every time — for you and for any future enquiry.
People stay with the wrong accountant for years because switching feels disruptive. In practice the profession has a standard handover process — clearance letters, copies of prior returns and working papers — and the new firm drives it, not you.
General guidance, not personal advice — thresholds and dates change. For advice on your own position in Stourbridge, message us and we'll answer against your actual numbers.
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