Financial analysis & forecasting
Know where your business is heading, in numbers you can trust
Financial analysis, budgets and rolling forecasts prepared under US GAAP or IFRS, for US small businesses, US subsidiaries of foreign groups and CPA firms.
What we deliver
From last month’s results to next year’s plan
Every deliverable is built from your reconciled books and checked by a senior accountant before it reaches you.
Financial statement analysis
Trend, ratio and margin analysis of your income statement, balance sheet and cash flow, with plain-English commentary on what changed and why.
Budgeting & annual plans
A driver-based budget by month, department or location, built from your real history, not a template.
Rolling forecasts
Integrated three-statement forecasts (P&L, balance sheet, cash flow) updated every month with your actual results.
13-week cash flow forecast
Week-by-week cash in and out, so you see a cash squeeze weeks before it happens.
Variance & KPI reporting
Budget vs actual every month, with KPI dashboards and a short board or lender pack.
US GAAP & IFRS reporting
Management accounts under US GAAP or IFRS, plus GAAP-to-IFRS adjustments for US subsidiaries reporting to a foreign parent.
Reporting standards
US GAAP and IFRS: where they differ
We report under the framework your readers expect. These are the differences that most often change a small or mid-sized company’s numbers.
| Topic | US GAAP | IFRS | What it means for your numbers |
|---|---|---|---|
| Standard setter | FASB · Accounting Standards Codification (ASC) | IASB · IFRS Accounting Standards | Different rule books, so the same business can report different numbers. |
| Revenue | ASC 606 | IFRS 15 | Largely aligned: the same five-step model for recognizing revenue. |
| Leases (lessee) | ASC 842: finance and operating leases; operating leases show one straight-line lease cost | IFRS 16: one model; depreciation plus interest for almost all leases | EBITDA is usually higher under IFRS 16 for the same leases. |
| Inventory | ASC 330: LIFO allowed; write-downs are not reversed | IAS 2: LIFO not allowed; write-downs can be reversed | Cost of goods sold and margins can differ when prices are rising. |
| Impairment of long-lived assets | ASC 360: two-step test (undiscounted cash flows first); no reversals | IAS 36: one-step test (recoverable amount); reversals allowed except goodwill | IFRS can recognize impairments earlier and reverse them later. |
| Development costs | ASC 730: generally expensed (software has its own rules) | IAS 38: capitalized once set criteria are met | IFRS can show higher assets and lower expenses for R&D-heavy companies. |
| Interest paid (cash flow) | ASC 230: operating activities | IAS 7: operating or financing (IFRS 18, effective 2027, narrows this choice) | Operating cash flow can look different for the same business. |
| Fair value measurement | ASC 820 | IFRS 13 | Largely aligned: same definition and fair value hierarchy. |
A summary for planning purposes, not a complete list of differences. Your CPA or auditor confirms the treatment for your statutory financial statements.
Which framework do I need?
Who reads your financial statements?
Sample deliverable
A forecast you can actually use
Switch scenarios to see how a forecast responds. Your real model goes further: monthly detail, a full balance sheet and cash flow, and the drivers behind every line.
- Integrated P&L, balance sheet and cash flow
- Base, upside and downside scenarios
- Budget vs actual with written commentary
- KPIs: gross margin, EBITDA, cash runway, DSO and DPO
- Built in Excel or Google Sheets, and yours to keep
Base case
| Line | Q1 Actual | Q2 Actual | Q3 Forecast | Q4 Forecast |
|---|---|---|---|---|
| Revenue | $410k | $452k | $488k | $530k |
| Gross margin | 41.2% | 42.0% | 42.5% | 43.0% |
| Operating expenses | $142k | $150k | $158k | $165k |
| EBITDA | $27k | $40k | $49k | $63k |
| Ending cash | $185k | $215k | $252k | $299k |
Upside: +6% sales
| Line | Q1 Actual | Q2 Actual | Q3 Forecast | Q4 Forecast |
|---|---|---|---|---|
| Revenue | $410k | $452k | $517k | $562k |
| Gross margin | 41.2% | 42.0% | 43.0% | 43.5% |
| Operating expenses | $142k | $150k | $158k | $165k |
| EBITDA | $27k | $40k | $64k | $79k |
| Ending cash | $185k | $215k | $263k | $322k |
Downside: −8% sales
| Line | Q1 Actual | Q2 Actual | Q3 Forecast | Q4 Forecast |
|---|---|---|---|---|
| Revenue | $410k | $452k | $449k | $488k |
| Gross margin | 41.2% | 42.0% | 41.7% | 42.2% |
| Operating expenses | $142k | $150k | $158k | $165k |
| EBITDA | $27k | $40k | $29k | $41k |
| Ending cash | $185k | $215k | $237k | $268k |
Our process
How we build your forecast
Clean, reconciled history
We start from closed, reconciled books. If they aren’t ready, we tidy them first so the forecast stands on solid numbers.
Drivers & assumptions
Together we agree the drivers: sales volume, pricing, headcount, payment terms, capex and financing.
Three-statement model
An integrated P&L, balance sheet and cash flow model in Excel or Google Sheets, under US GAAP or IFRS.
Scenarios
Base, upside and downside cases, so you can see the effect of a slow quarter, a new hire or a price change.
Re-forecast & review
Each month we load actuals, explain the variances and roll the forecast forward. A short call walks you through it.
Who it’s for
Built for US businesses and the firms that advise them
US small businesses
Planning growth, applying for a bank loan or SBA financing, or simply wanting to know where cash will be in 90 days.
US subsidiaries of foreign groups
Keep US books under US GAAP and send IFRS-adjusted results to your parent company each month.
Startups & SaaS
Runway, burn rate and MRR forecasts for founders and investor updates.
CPA & EA firms
White-label analysis, projections and budget packs for your advisory clients.
FAQ
Questions about analysis & forecasting
Do you audit or certify financial statements?
No. We prepare analysis, forecasts and management reports. Audit, review and compilation reports are issued by a licensed CPA firm. We work alongside your CPA or auditor and give them clean, well-documented numbers.
Which framework do I need, US GAAP or IFRS?
Most US businesses report under US GAAP, especially for US banks, lenders and investors. IFRS usually applies when you are owned by, or report to, a group outside the US. If you need both, we keep your books under US GAAP and prepare an IFRS reconciliation.
Can you convert our US GAAP numbers to IFRS?
Yes. We prepare a schedule of GAAP-to-IFRS adjustments (leases, inventory, development costs and other differences) and an IFRS-basis trial balance for your parent company’s reporting package.
How often is the forecast updated?
Monthly, after your books are closed. We load actuals, explain the variance against budget and roll the forecast forward. The 13-week cash flow forecast can be updated weekly.
What tools do you use?
Excel and Google Sheets for models, QuickBooks Online and Xero for actuals, and Power BI or Excel dashboards for reporting. You own every model we build.
Get a forecast built on solid numbers
Book a free 20-minute call. We’ll look at where your books are today and what a forecast would show you.