Financial modelling for startups

A driver-based financial model built for UK startups, hiring, pricing, unit economics and cash, in a spreadsheet your investors can interrogate.

• Three-statement model: P&L, balance sheet and cash flow

• Driver-based revenue build by channel, plan or cohort

• Headcount plan with true employer cost and timing

• Scenario and sensitivity switches, not hard-coded numbers

• Reconciliation to your actual ledger from day one

• A version you can maintain yourself, with a walkthrough

A model is only credible if it starts from real historic actuals and reconciles to them. Investors test the joins between history and forecast first, because that is where optimistic models break.

Revenue should be built from drivers, leads, conversion, price, retention, not from a growth percentage. A percentage cannot be challenged, argued or acted upon; drivers can.

Employer cost is not salary. Add 15% employer National Insurance above the £5,000 secondary threshold, at least 3% employer pension, and recruitment, equipment and software per head before the hiring plan means anything.

Thresholds, rates and deadlines quoted here reflect the 2026/27 UK position. Check current GOV.UK guidance, or ask us, before you rely on them for your own company.

We start by looking at the last filed accounts, your current records and your filing dates, then confirm a fixed scope and fee in writing.

Once the work is live you get reminders ahead of each deadline, a named person to ask questions, and a plain-English summary when the figures are ready, not a PDF with no explanation.