Fractional CFO
A budget you actually run the business by.
An annual budget built on your real numbers, then tracked against what actually happens, so you can see where you are on plan, where you are drifting, and what to do about it.
What's included
Plan, track, adjust
- An annual budget built from your real trading numbers
- Departmental or project-level budgets where they help
- Regular comparison of budget against actual performance
- Variance analysis that explains why, not just by how much
- Re-forecasting through the year as the picture changes
How we deliver this
A budget is a plan you can steer by
A budget left in a drawer is just a wish. We build one on the numbers your business actually produces, then track it against reality through the year, so you can see early where you are ahead, where you are behind, and act on it while it still matters.
Who it is for
Who it is for
Owners and teams who want to run the year to a plan and know, month by month, whether they are on track, rather than finding out at year-end.
See who we helpFrom clients
What clients say
“Moving to Utile completely revolutionised our business. They have made us more profitable, saved us thousands from HMRC. Anyone with an existing company or a start-up should have a conversation with them. They could change your life.”
“The adage of 'you get what you pay for' really rings true. Premium service, well worth paying a little more for peace of mind. I value my time, and Utile have given it back.”
“Came across this company a couple of years ago. Very professional and polite, accounts dealt with promptly. Fantastic value for service.”
“When we set up Bloxbase, I wanted a team that shared our values. Utile were a perfect fit. Great advice from day one, always at the end of the phone. Top team.”
“I am so happy with my new accountants. They go above and beyond. Sam, James and Ellie are all super friendly and an absolute pleasure to work with. Legends.”
“Sam and the team have been amazing helping me with my first tax return. I highly recommend Utile to any new business owners. They make everything so much simpler and stress free.”
“Setting up my business with Utile has been a very smooth process. Very efficient at handling any questions or concerns. Communication with the Utile team has been easy and difficult subjects made understandable.”
“Having struggled to find a good accountancy firm for a long time, it has been great dealing with Utile. Efficient, professional and friendly. 5 stars from me.”
“Sam at Utile was amazing. Sorted my tax rebate from start to finish in a matter of weeks. Shocked. Definitely would recommend to anybody.”
“Moving to Utile completely revolutionised our business. They have made us more profitable, saved us thousands from HMRC. Anyone with an existing company or a start-up should have a conversation with them. They could change your life.”
“The adage of 'you get what you pay for' really rings true. Premium service, well worth paying a little more for peace of mind. I value my time, and Utile have given it back.”
“Came across this company a couple of years ago. Very professional and polite, accounts dealt with promptly. Fantastic value for service.”
“When we set up Bloxbase, I wanted a team that shared our values. Utile were a perfect fit. Great advice from day one, always at the end of the phone. Top team.”
“I am so happy with my new accountants. They go above and beyond. Sam, James and Ellie are all super friendly and an absolute pleasure to work with. Legends.”
“Sam and the team have been amazing helping me with my first tax return. I highly recommend Utile to any new business owners. They make everything so much simpler and stress free.”
“Setting up my business with Utile has been a very smooth process. Very efficient at handling any questions or concerns. Communication with the Utile team has been easy and difficult subjects made understandable.”
“Having struggled to find a good accountancy firm for a long time, it has been great dealing with Utile. Efficient, professional and friendly. 5 stars from me.”
“Sam at Utile was amazing. Sorted my tax rebate from start to finish in a matter of weeks. Shocked. Definitely would recommend to anybody.”
Common questions
Budgeting: common questions
With your real numbers. We build the first budget from your actual trading history and your plans for the year, so it is grounded rather than aspirational, then refine it as we go.
A budget is the plan you set at the start of the year and measure against. A forecast is your current best estimate of how the year will actually end. We use both, and the gap between them is where the useful conversations happen.
Yes. Where it helps you see the business clearly, we build budgets at department or project level, not just one number for the whole company.
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