There is a number in your bank account. Some of it belongs to HMRC, some to your VAT bill, some to your own salary, and some to suppliers you have not paid yet. Most founders turning £1M to £15M cannot tell you what is left. In two to three weeks, you will know that figure, how long it lasts, and what you need to earn each month to stay stable.
30 minutes. No pitch. We tell you honestly if it does not fit.
Her numbers were wrong by £82,000, and she had been steering by them for a year.
She was not underperforming. Her reporting was unreliable, and every decision she made sat on top of it. Pricing, hiring, what she paid herself. All of it informed by a figure that was out by eighty-two thousand pounds.
Once the picture was rebuilt from source and the payables cleared, she had three things she had never had: a target, a ceiling, and a runway she could manage against.
Anonymised at the client's request. This is a correction of unreliable reporting, not a claim about trading performance. Figures taken from the signed assessment covering January 2025 to February 2026.
Written in plain English. Not a pile of reports you will never open.
The monthly cash figure you need to receive to be stable, and the cost ceiling to stay under. One target to manage against instead of a vague sense that you need more sales.
What you hold, what is committed, what is left, and how many months you would last if the phone stopped ringing tomorrow.
Cash received month by month across this year and last, and where it goes once it arrives. The recurring separated from the one-off, so the drift stops hiding.
The moves for the next thirty days, ninety days and twelve months, each with an owner and a date. A report that ends without a decision is just a document.
Nothing gets built on a number we have not first tied back to source. That discipline is why the fee can be fixed before we start, and why we can stand behind the guarantee.
Books current to prior month end.
Xero agreed to your bank statements and last filed accounts.
Cash received month by month, this year against last.
Where the money goes, categorised, recurring split from one-off.
Cash held separated from cash committed. What is left becomes your runway, target and ceiling.
A second reviewer checks every figure before you see it.
We walk it through together and agree the actions.
Four answers and a plan.
No, because it is a different job. Your accountant files what happened last year for HMRC, usually months after it mattered. The assessment reports what your cash is doing now and what to do about it. We do not provide statutory accounts, audit or tax filing. That separation is what makes us an independent read on your own figures, and most clients keep the accountant they already have.
| Your accountant | The assessment |
|---|---|
| Files last year's accounts for HMRC | Reports where you stand today, rebuilt from source |
| Compliance, tax and filing | Cash, runway, monthly target and cost ceiling |
| Reports the position and stops | Ends in decisions, with owners and dates |
| Priced by the return or by the hour | One fixed fee, known before we start |
You will spend more than this on a single bad hire made with numbers you could not verify.
All we need from you is Xero access and two short calls. If the assessment does not show you something material you did not already know, you do not pay.
Book a CallAfterwards, if you want the picture kept current rather than correct once, the monthly Control Pack starts at £3,000 plus VAT per month, tiered by turnover. It is optional, and we only recommend it where it fits.
Scaling quickly. Buying a business. Preparing to sell. Living through an earn-out. When a transaction is on the horizon, numbers you cannot fully trust stop being a background worry and become the whole risk. The assessment gives you one clean, independent set of figures to stand on, and something a buyer's advisers can test without it falling apart.
An independent diagnosis of what your business holds in cash, what is already committed to tax and pay, how long you could survive without new sales, and what you need to earn each month to stay stable. Fixed fee, two to three weeks, £3,500 plus VAT. It is not an audit, a valuation, or a set of statutory accounts.
We walk you through the findings on the diagnosis call. If nothing in the assessment is material and new to you, you tell us on that call and you do not pay. No forms and no argument. We offer it because in practice it almost never happens, and because you should not carry the risk of finding out.
The honest test is what a wrong number costs you. One founder was running her business on a profit and loss that was wrong by £82,000. The fee is fixed and known before we start, whatever we find. You are buying certainty, not hours.
Normal, and it does not change the fee. We rebuild the picture from source rather than taking the current numbers on trust, so unreliable records are usually where the most useful findings are hiding.
Xero access and two short calls. That is the entire ask. The work is ours to do, and you get two to three weeks of it for the price of a morning of yours.
Neither. We sit above the day-to-day processing and turn the numbers into decisions. We deliberately do not touch statutory accounts, audit or tax filing. Most clients keep the accountant they already have.
Pre-revenue startups, businesses under £1 million, and anyone looking for a bookkeeping service. It is built for UK founder-led B2B service businesses turning £1M to £15M, running on Xero, with the founder still in post. If it does not fit, we say so on the call rather than take the work.
No. The assessment is complete on its own. The monthly Control Pack starts at £3,000 plus VAT per month and is entirely optional.
CMNC Associates Limited is supervised by HMRC for money laundering purposes and is a Xero Certified Partner. Access is provisioned per user and every number we publish is reconciled to source. We do not put a figure in a report we cannot tie back to where it came from.
Start with a 30-minute call. No pitch and no pressure. We look at where you are and tell you honestly whether the assessment is right for you.
£3,500 + VAT · fixed scope · 2-3 weeks · UK founder-led B2B service businesses turning £1M to £15M