A CIMA-qualified Virtual FD for Cambridge SMEs. Monthly numbers you can trust, board-ready reporting and rolling cash flow — all on your existing Xero. Fixed monthly fee.
Book a 30-minute initial review →Most Cambridge owner-managed businesses hit a point where the once-a-year accountant stops being enough. You need monthly numbers. You need to know your cash position twelve weeks out, not last March. You need board-ready reporting for your bank or your investors.
But a full-time Finance Director is £80,000 a year before benefits — too much for most businesses under £5m turnover. The gap between those two options is exactly where Cambridge's growing businesses get stuck.
A Virtual FD fills that gap. Same CIMA-qualified expertise, fractional cost, fixed monthly fee.
Every month, like clockwork. Every issue we raise is tied to a published accounting standard (FRS 102, FRS 105) or HMRC rule. Nothing is a black box.
Monthly transaction coding, VAT inspection before every return, and a quarterly Controls Assurance statement saying whether the books can be relied on — with the evidence.
Monthly P&L with plain-English commentary, balance sheet health readout, and a board pack with KPI tiles and management commentary you can read straight into a meeting.
Rolling weekly cash position projected 13 weeks ahead — the professional treasury management standard. Refreshed every month so you stay ahead of cashflow squeezes, not surprised by them.
Every HMRC deadline mapped out: VAT, Corporation Tax, PAYE. Exact dates, expected amounts. No more nasty surprises in the post.
Thirty minutes with Peter directly, every month. What's working, what's not, what comes next. No delegation to a junior — every engagement is senior-led.
A forward projection of income, costs and profit based on current trading patterns — so you see where you're heading, not just where you've been.
I'm Peter Edwards. CIMA-qualified Chartered Management Accountant (ACMA CGMA) with twenty years of senior finance experience across pharmaceutical distribution, manufacturing, and professional services.
I keep my client list deliberately focused so every engagement gets proper senior attention. No junior delegation. No offshored bookkeeping. No black-box software making decisions on your behalf.
Tax matters that fall outside CIMA's remit are referred out to a UK Chartered Accountancy firm we work with — a regulated practice that has the depth of expertise small businesses need.
30 minutes on Calendly. Free, no obligation. We talk about your business, the gaps you feel, and what you'd want from a Virtual FD.
Free. We connect to your Xero, run our checks, and tell you honestly what we'd do differently — whether you engage with us or not.
If it's a fit, we go live. Fixed monthly fee, GoCardless mandate, no surprises. Monthly deliverables from the start.
Virtual FD service from £1,500/month, fixed fee. CIMA-qualified. Cambridge-based.
Free 30-minute initial review — no obligation.