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Kingsway Interiors Ltd DemoTake the guided tour →

What you have now
£56,500 of the £148,400 in this account is tax.
£148,400in the account
FLOOR £60,000
£0 BANK BALANCE £148,400
Where it goes
Bank balanceAs your accounting software last read it £148,400
VATDue 7 Nov · 18 days −£21,900
Corporation tax accruingThis year so far · earned, taxable, not yet billed −£19,200
Corporation taxLast year's bill · due 1 Jan 2027 −£15,400
Available to youWhat is left once the tax is set aside £91,900
£31,900 above the floor you set
Strafi read your accounts today
Where your cash is heading
The lowest this gets is £143,800 on 26 May.
Only what is already dated. Shaded: 6 deals you expect to win, earliest 23 January.
high £184,200 · typical £148,100 · low £143,800
all landing at stage odds
Today
£148,400
Tap along the line to see what moves it.
Last updated 2026-10-20 13:40. Demonstration data. Cash in the account, not headroom.
What counts

Every step is an invoice raised, a bill received, or a tax payment with a statutory date. Overdue invoices are not counted as arriving, because they have already proved they do not come when they say. The shaded area above is work not yet invoiced: deals in your pipeline, placed on the day the cash would reach the account rather than the day they close. The top of it is every deal landing in full. The dotted line inside it is each deal at the odds its stage carries. Neither is committed, and the line beneath the shading is.

Your pipeline
£48,000 of the £160,000 is at 50% or better.
6 deals, £160,000 in total. Weighted at stage odds it is £77,900.
£77,900
weighted at stage odds
Closing Dec to Jan
£48,000 at 50% or better
By stage, likeliest first
Verbal agreementDecHarbourside Developments £48,00085%
Proposal sentDec to JanMarsden Group, Calder Property and 1 more £73,50040%
ProspectJanWhitlock Foods, Beckfield Care £38,50020%
Expected work, not committed. Stage odds are your CRM's, not Strafi's.
What moved in your pipeline
A 9 day slip pushes the £48,000 Riverside fit-out back, and Ellis and Co was lost.
Nothing in the pipeline becomes cash for three months, so the next quarter runs on what is already invoiced.
Harbourside Developments · Riverside fit-out £48,000 · slipped 9 days, cash still 23 Jan stays in Jan
Marsden Group · Phase three fit-out £38,000 · new, cash lands 31 Jan new in Jan
Thornfield Studio · Reception rework £9,500 · new, cash lands 5 Feb new in Feb
Calder Property · Two floors, Wellington St £26,000 · slipped 7 days, cash still 14 Feb stays in Feb
Cash dates, not close dates: each is the close date plus your 34 day collection period. Expected work, not committed.
Your pipeline →
Who pays you
Marsden Group was 48% of what you were paid in the last 12 months. One of the clients checked is showing something on the register.
Checked, nothing on the register Checked, something worth watching Not checked, under 10%
Marsden GroupLast accounts filed 34 days late · £62,000 owed 48%
Pays in 34 days on average, getting slower £62,000 invoiced and not yet paid On the Companies House register as Marsden Group Limited. Last accounts filed 34 days late.
Harbourside DevelopmentsActive, accounts filed on time, no director changes this year · £22,500 owed 17%
£22,500 invoiced and not yet paid On the Companies House register as Harbourside Developments Ltd. Active, accounts filed on time, no director changes this year.
Calder PropertyActive, accounts filed on time, no director changes this year · £18,900 owed 13%
Pays in 20 days on average £18,900 invoiced and not yet paid On the Companies House register as Calder Property Holdings Ltd. Active, accounts filed on time, no director changes this year.
Halton EstatesActive, accounts filed on time, no director changes this year · £14,200 owed 11%
Pays in 18 days on average £14,200 invoiced and not yet paid On the Companies House register as Halton Estates (Leeds) Limited. Active, accounts filed on time, no director changes this year.
5 smaller clientsNot checked 11%
Share of invoices paid in the last 12 months, grouped by the name on the invoice, which is who was invoiced rather than whose account paid. Clients above 10% are checked against Companies House every Sunday.
Checked against Companies House 18 October.
What it all means
Your cash is comfortable. The risk is one client.
£91,900 is yours after tax, £31,900 above your floor, and the VAT due on 7 November is already covered.
Marsden is nearly half of what you are owed £62,000, 48% of the total. Two quarters ago it was under a fifth. They are paying slower, and filing late 26 days to pay has become 41, and their last accounts reached Companies House 34 days late. What to do Do not chase Marsden. Grow the next two clients this quarter, and hold any hire until Marsden is below a third.
Read the whole review → More in Insights
Written 20 October.
Priority actions
Money Strafi found
Move £24,000 of tax money into an instant-access savings account until 18 Dec.
£97–117 of interest before the tax is due
Since 6 April: £97 found · £0 acted on · £0 realised
Also to do
Set aside VAT £21,900 · 18d
Explain 2 transactions in FreeAgent £1,840· no date
Shorten terms on Marsden Group · no date
2 more See this on your own numbers →
Found from what your accounts and bank feed already show, with the working on the actions page. Realised counts only money that has since arrived in your accounts.
Worth knowing
Top 5 insights.
How long does it take me to get paid?
26 days on average across the last year, against terms of 30. →
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. →
What am I paying for every month?
£1,940 a month on standing commitments, £23,280 a year. →
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. →
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. →
Refreshed daily See the questions →

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Open chat
why is headroom where it is? will the VAT payment be covered in time? anything I should know about my biggest debtor? can I afford to hire?

Checks

Each check points Strafi at one subject and returns a written report.
Strafi Review
One page: a short summary at the top -- the same one that reaches you on WhatsApp or email -- then nine sections underneath on your position, backed by fresh research on your biggest clients.
Written 18 Oct at 08:06
Headroom is £2,200 lower than a week ago, and one client has grown to nearly half of what you are owed.
Read it →
Counterparty check
Up to 50 client or supplier names, read against Companies House as a group rather than one at a time. Needs nothing connected.
Run on ten real companies. Have a look.
Go →

Connect your data

Where Strafi reads from. Each source it can see is one it reads into every briefing.
Past Accounting FreeAgent · connected
Present Revenue Stripe · connected
Future Pipeline Connect HubSpot →
Checked your accounts at 6:12 today. Nothing has moved since 15 October. 5 checks, all quiet · see what Strafi watches →
Help · Contact · Security · Privacy · Terms Strafi reads. It never writes back.
Where your cash is heading