Are you ready yet?

Is your business outgrowing your finance setup?

For SMEs with £500k–£10m turnover.

Cash & Working Capital

I don’t know exactly what’s in the bank vs what’s owed out in the next 30 days.
VAT, payroll, or supplier payments often create last-minute cash panics.
I’ve had to dip into overdrafts or personal funds to cover shortfalls.

Profitability & Margins

Turnover is up, but profits don’t reflect the effort.
I can’t easily see margin by job, client, or project.
Pricing decisions are made on gut feel, not data.

Reporting & Visibility

I only see proper accounts once a year.
Monthly figures arrive late or are incomplete.
I don’t have a forward view of the next 3–6 months.

Leadership & Strategy

Finance is treated as admin, not decision-making.
No one challenges or interprets the numbers at board level.
Exit value or succession planning hasn’t been financially mapped.

Your Score

0–3 ticks → You’re in control. Just keep reviewing monthly.
4–7 ticks → Warning signs. You’ve likely outgrown your bookkeeper.
8+ ticks → Urgent. You’re running blind — time to get financial leadership in place.