Practical explanations of the numbers that run a small business, written in plain English with worked examples.
How to work out what a customer contributes over time, what losing one really costs, and why the average can hide your biggest risk.
Read the article →How to calculate debtor days, what the figure is really telling you, and how cutting 15 days could release thousands in cash. With a worked example.
Read the article →How to work out your cash runway, why the bank balance misleads, and how collecting unpaid invoices can add months. Worked example included.
Read the article →How much of every £1 you earn disappears before it reaches profit, why the percentage can move on its own, and what to check monthly.
Read the article →Why almost no cost is purely fixed or variable, what really happens to profit when sales halve, and the question worth asking instead.
Read the article →Why company profit, distributable reserves and the cash you can take personally are three different numbers, and what happens if you take too much.
Read the article →How to calculate your break-even point, what it means for hiring decisions, and why the figure moves when your margin slips.
Read the article →How gross profit margin works, how it slips without anyone noticing, and why growing sales is not the same as growing profit. Worked example.
Read the article →What MTD for Income Tax actually involves: digital records, compatible software, quarterly updates and the year-end return. Plus the first-year easement.
Read the article →Each MTD quarterly update covers the year to date, not just the last three months. The deadlines, why it helps, and what to check first.
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