Cash Flow Statement
We prepare clear, compliant cash flow statements that show exactly where your money is going and help you stay on top of your business liquidity. Serving small businesses and sole traders across Cardiff and South Wales, we turn your transactions into a financial snapshot you can actually use.
What we cover
From basic monthly statements to comprehensive forecasting, we handle every aspect of cash flow reporting to give you the visibility you need.
Operating Activity Tracking
We track cash movements from your day-to-day business operations, showing income from sales and payments to suppliers.
Investing & Financing Analysis
We document asset purchases, loan movements and equity changes to give you the complete cash picture.
Direct Method Statements
Line-by-line tracking of individual cash transactions, ideal for smaller businesses with straightforward cash movements.
Indirect Method Statements
Adjusting your net income for non-cash items, perfect if you use accrual accounting and need a complete three-statement view.
How we handle your cash flow statements
A cash flow statement tracks every pound moving in and out of your business over a set period. It sits alongside your profit and loss and balance sheet to show your actual liquidity, not just your profitability. We prepare yours to HMRC standards, making sure you understand where your cash is going and whether you have enough to meet your obligations.
We turn your transaction records into a clear view of your cash position.
We start by gathering your bank statements, receipts and payment records. Then we categorise each transaction into operating activities (your core business), investing activities (equipment, vehicles, property) and financing activities (loans, equity, dividends). The result is a three-section statement showing your net cash flow and explaining exactly why your bank balance changed.
More information
Most small businesses we work with choose the direct method because it is simpler and shows actual cash receipts and payments line by line. If you use accrual accounting or need something investors or lenders will scrutinise, we will prepare an indirect method statement that adjusts your net income for non-cash items like depreciation and changes in working capital.
You might be profitable on paper but still struggle to pay bills. A cash flow statement reveals that disconnect. It shows whether late customer payments, stock build-up or equipment purchases are tying up your cash. We highlight these pressure points and suggest practical steps to improve your position.
What's included
- Monthly, quarterly or annual cash flow statements in a format you can follow
- Clear categorisation of operating, investing and financing activities
- Comparison against previous periods to spot trends
- Notes explaining any significant movements or unusual transactions
- Integration with your profit and loss and balance sheet for a complete financial picture
We work with businesses across Cardiff, Barry, Penarth, Pontypridd and the wider South Wales area. Whether you run a salon in Cathays, a building firm in the Valleys or a shop in the city centre, we know the local cashflow challenges you face: seasonal trade, delayed payments from larger clients, managing VAT quarters.
Once your statement is ready, we walk you through it. No jargon, no assumptions that you have an accounting degree. You will understand where your cash came from, where it went, and what it means for the months ahead.
You might also need
Profit & Loss Statement Preparation
Clear profit and loss statements prepared from your records, with plain-English insight into margins, overheads and true profitability for the period.
Profit & Loss Statement Preparation→Making Tax Digital (MTD) Bookkeeping Compliance
Making Tax Digital bookkeeping compliance, including software setup, digital record-keeping, reconciliations and MTD VAT submissions, with clear deadline reminders.
Making Tax Digital (MTD) Bookkeeping Compliance→Receipt Management & Paperless Accounting
Go paperless without the stress. Capture receipts by phone or email, keep them organised and matched to transactions, and make VAT and year-end accounts much simpler.
Receipt Management & Paperless Accounting→Accounts Payable & Receivable Management
Stay on top of customer invoices and supplier bills. We track debtors and creditors, chase overdue payments, schedule payments and share clear monthly summaries.
Accounts Payable & Receivable Management→Bank Reconciliation
We reconcile your bank to your bookkeeping records, fix mismatches and clear uncleared items, so your figures are reliable for VAT, accounts and cash flow.
Bank Reconciliation→QuickBooks Setup & Training
Get QuickBooks set up for your business, with bank feeds, VAT settings and invoicing, plus practical training so you can keep your books tidy each week.
QuickBooks Setup & Training→Before you get started
Here are the questions we hear most often about cash flow statements and how we prepare them.