From the figures to the decisions.
Management accounts in three levels, monthly or quarterly. Each one builds on the last.
Three levels, one system.
Pick a level to see the pack you receive. Move up whenever you are ready, without changing accountant, process or software.
Shows what has happened.
In the pack
- Profit and loss, with last year beside it
- Balance sheet
- Who owes you, and who you owe
Explains how you have performed.
Everything in Echo Report, plus
- Results against last year and your budget
- Cash and working capital analysis
- Written commentary on every material change
- Customers over 60 days named
Helps you decide what to do next.
Everything in Echo Insight, plus
- Profit and cash flow forecast, updated through the year
- Profit by job
- Company and personal tax strategy, kept up to date
- Updates when tax rules, the Budget or your plans change
- Risks, opportunities and agreed actions
Profit by job appears once your jobs are tracked in Xero. On Echo Insight, the tax page comes with quarterly packs.
Priced in your proposal, like everything we do.
Book a callInside the pack.
One idea to a page. Four pages from a sample Echo Insight Plus pack.
The quarter in six numbers
What goes out before February
Where the profit comes from
What we agreed
| What | Who | By when |
|---|---|---|
| Chase the £3.6k owed for over 90 days | You | 14 November |
| Track each job in Xero so profit by job stays current | Echo | Next pack |
| Set the pension contribution against the forecast | You and Echo | 31 January |
| Hold dividends at the agreed level until January | You | Ongoing |
Sample pages for a fictional company. No client data is shown.
Every month or quarter.
The same rhythm each period, timed to your tax deadlines.
Your report
Issued within 15 working days of the period end.
Your review
With a finance director: performance, cash, tax and what comes next.
Your action plan
In writing, with an owner and a date for every action.
A few points that matter.
Each with a pound figure and one question. If the figures do not show why, we say so and ask.
£3.6k owed for over 90 days
Out of £19.8k owed to you. One customer holds most of it.
Short jobs earned twice as much
£9.4k a week on jobs under six weeks, against £4.7k on longer ones.
Sales 22% below August last year
£41.2k against £52.8k. The accounting data does not show the reason.
Set aside cash for the VAT
£16.4k is collected by direct debit on 7 December.
Fictional figures.
Checked before issue.
A pack cannot be issued while any check is open.
Books closed
Bank, cards, payroll and VAT reconciled first.
Agreed to Xero
Balance sheet balances, net profit agrees to the penny.
Chosen by a person
The analysis finds movements. A person picks what matters.
Signed off
A named reviewer reads every pack before it reaches you.
A plan that moves with you.
Budgets change the rules
We adjust your strategy as each change lands.
Your plans change
A hire, a property, retirement. The plan moves with them.
Savings need a forecast
Pension contributions count only once paid before the year end.
Paperwork protects you
Minutes and records kept, so every saving stands up if HMRC asks.
Questions
Short answers here. Longer ones on a call.
Which level is right for me?
Echo Report if you want the figures on time. Echo Insight if you want to know why they moved. Echo Insight Plus if you want a forecast, a tax strategy and a review that ends in a plan.
Monthly or quarterly?
Either, at every level. Quarterly packs follow your VAT quarters, or your year end if you are not VAT registered.
Do I need a budget already?
No. If you do not have one, we set a simple budget with you at your first review.
Do I need to use Xero?
Yes. Every pack is built from your Xero figures. If you use something else, we can talk through moving across on the call.
Can I move up a level later?
Yes. All three levels run on the same system, so moving up adds pages to the pack you already receive.
See what your numbers say.
A conversation about your business and the level that fits. No obligation.