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Picked up from the insight you opened. Ask the next thing, or any of the others. Each answer says which sources it read.

what has not been categorised?

Two payments totalling £1,840 have not been explained, and a further nine were categorised by FreeAgent's rules and never confirmed.

Until they are, every spending figure here is short by £1,840 and nine of the categories behind it are a guess rather than a decision.

Past · Bank feed Past · Accounting

Read across 2 sources. No single platform holds all of this.

which two payments?

£1,240 to Amazon Marketplace on 4 October, and £600 to J Parker on 11 October.

The first is almost certainly materials. You have paid Amazon Marketplace fourteen times this year and FreeAgent has every other one under Materials, so it is one click to explain.

The second has nothing to match it: no bill in FreeAgent, no contact, and no earlier payment to that name. It is either a subcontractor paid without a bill or something personal paid from the business account. That is the one your accountant will ask about, so it is worth answering before they do.

Past · Bank feed Past · Accounting

Read across 2 sources. No single platform holds all of this.

why is headroom where it is?

£56,500 of the £148,400 in the account is tax. VAT of £21,900 due on 7 November, corporation tax of £15,400 on the year to March, due on 1 January, and £19,200 accruing on the year you are in.

That leaves £91,900 that is actually yours, against the £60,000 floor you set. Comfortable, and it has been for six weeks.

Past · Accounting

will the VAT payment be covered in time?

Yes, and nothing has to land first. The bill is £21,900 on 7 November and the money is already in the account. Paying it leaves headroom where it is, £91,900, because it was never counted as yours.

The next receipt due is Marsden's £26,400. On their recent form I would not plan on it arriving before the VAT goes, and you do not need it to.

The pipeline adds nothing here. The earliest deal to become cash is the Riverside fit-out, and that is three months away.

Past · Accounting Future · Pipeline

Read across 2 sources. No single platform holds all of this.

anything I should know about my biggest debtor?

Marsden Group. £62,000, which is 48% of everything you are owed, up from under a fifth two quarters ago. They have also stretched from 26 days to 41.

Their filed accounts went in 34 days late this year, having been early for the three years before. Nothing was late when they were paying you in 26 days.

Neither half of that is visible on its own. Your ledger cannot see the filing and the register cannot see what they owe you.

Past · Accounting Around · Companies House

Read across 2 sources. No single platform holds all of this.

can I afford to hire?

At £45,000 including employer costs, yes. Headroom stays above your floor through the corporation tax payment on 1 January, and the tax is already set aside.

The thing I would want first is Marsden below a third. Hiring against a book where one client is nearly half of it makes that client's payment terms your payroll problem.

Past · Accounting Future · Pipeline

Read across 2 sources. No single platform holds all of this.