Three-Statement Integration
Every model integrates a fully linked P&L, cash flow statement, and balance sheet. Change one assumption and all three statements update simultaneously. No broken links. No manual bridges.
Financial Modelling
Excel is the engine.
Strategic intelligence is the outcome.
Financial models built to institutional standards. Three-statement integration, driver-based architecture, and scenario analysis that holds up under the scrutiny of investors, boards, and lenders.
3-Statement
Full integration
P&L · Cash · Balance Sheet
Best practice
Modelling standard
Structured · Transparent · Auditable
Big 4
Trained methodology
KPMG financial modelling trained
100%
Driver-linked outputs
No hardcoded assumptions
The problem with most models
Most financial models are built to be presented, not interrogated.
Hard-coded assumptions that break the moment reality diverges.
No integration between P&L, cash flow, and balance sheet.
Scenario analysis that means duplicating a tab and changing one cell.
Outputs built for one audience, trusted by none.
Model Architecture
Every layer, connected.
Fly through the four sheets of an integrated model. Cross-sheet references draw between layers as you move, showing how every input propagates through the calculation engine into the statements and on to strategic decision support.
Input_SheetLAYER 01 · INPUTS
| A | B | C | |||
|---|---|---|---|---|---|
| 2 | Revenue drivers · Active case: Base | ||||
| 3 | Base monthly volume | 120 | |||
| 4 | Average price | £2,500 | |||
| 5 | Volume growth | 3.0% | |||
| 6 | Operational assumptions | ||||
| 7 | COGS % of revenue | 38% | |||
| 8 | Headcount | 14 | |||
| 9 | Fully-loaded salary | £6,500 | |||
| 10 | Overhead / month | £22,000 | |||
Calculation_SheetLAYER 02 · FORECAST ENGINE
| A | B | C | D | E | |
|---|---|---|---|---|---|
| 2 | Integrated forecast | ||||
| 3 | Volume | 120 | 124 | 127 | 131 |
| 4 | Revenue | £300,000 | £309,000 | £318,270 | £327,818 |
| 5 | Gross profit | £186,000 | £191,580 | £197,327 | £203,247 |
| 6 | Operating costs | £113,000 | £113,000 | £113,000 | £113,000 |
| 7 | EBITDA | £73,000 | £78,580 | £84,327 | £90,247 |
| 8 | Closing cash | £923,000 | £1,001,580 | £1,085,907 | £1,176,154 |
Output_SheetsLAYER 03 · THREE STATEMENTS
| A | B | C | D | E | |
|---|---|---|---|---|---|
| 2 | Profit & loss | ||||
| 3 | Revenue | £300,000 | £309,000 | £318,270 | £327,818 |
| 4 | EBITDA | £73,000 | £78,580 | £84,327 | £90,247 |
| 5 | Profit after tax | £51,900 | £56,085 | £60,395 | £64,835 |
| 6 | Balance sheet | ||||
| 7 | Closing cash | £923,000 | £1,001,580 | £1,085,907 | £1,176,154 |
| 8 | Balance check | £0 ✓ | £0 ✓ | £0 ✓ | £0 ✓ |
DashboardLAYER 04 · INTELLIGENCE
| A | B | C | |||
|---|---|---|---|---|---|
| 2 | Executive intelligence | ||||
| 3 | Cash runway | 12m+ | |||
| 4 | EBITDA margin · M6 | +27.5% | |||
| 5 | Cash · M6 | £1.26m | |||
| 6 | Risk level | Low | |||
| 7 | Strategic signal | ||||
| 8 | Cash trajectory strengthening · +48% by M6 under Base | ||||
Fly through the model · cross-sheet references draw between layers · scroll or click to move
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Built on Institutional Principles
The standards that make models trustworthy.
Trained in Big 4 financial modelling methodology and financial modelling best practice. Every model we build reflects those principles, regardless of size or complexity.
Driver-Based Architecture
Nothing is hardcoded. Every number traces back to an explicit, challengeable assumption. Revenue to volume and pricing. Costs to headcount or activity. The model is auditable at every level.
Scenario-Ready by Design
Models are built with scenario switching from day one, not retrofitted. Base, upside, and downside cases are fully modelled, with sensitivity analysis across key assumptions.
Built for Scrutiny
Institutional standards mean investor-grade quality: no circular references, clear layout conventions, full audit trail, and outputs that hold up under due diligence.
What You Receive
Typical deliverables.
- Three-statement integrated models
- Investor-grade financial models
- DCF and valuation models
- Board and management models
- Model audit and rebuild
- Scenario and sensitivity analysis
Every engagement is scoped to your specific needs. Deliverables listed are indicative of what a typical engagement includes.
When You Need It
Common use cases.
Raising investment
Investor models that withstand due diligence and support your narrative from the first conversation to close.
Board and leadership decisions
Management models that give leadership clear visibility on performance, trajectory, and decision impact.
Planning and forecasting
Rolling forecasts and annual budgets built on driver logic, not spreadsheet guesswork.
Acquisitions and transactions
Transaction models for buy-side and sell-side, including returns analysis and structure comparison.
Our methodology
ActualsYour real numbers, imported cleanly.
ForecastDriver-based, scenario-ready projections.
InsightWhat the model means for your decisions.
ActionClarity that enables confident leadership.
"Financial models should be interrogated in the boardroom, not just presented. If a model cannot survive hard questions, it was never built for decisions."
MW
Melissa Whipp
ACCA · Founder, Naked Finance
KPMG Financial Modelling
Trained and qualified in Big 4 financial modelling methodology.
ICAEW Financial Modelling Code
Familiar with and experienced in ICAEW modelling code requirements.
ACCA Qualified
Chartered Certified Accountant with 10+ years of senior finance experience.
Strategic Finance Leadership · Decision Support
Senior strategic finance leadership built for the decisions ahead, not the reporting behind. Aligned to the BOS™ operating cadence: Actuals, Forecast, Insight, Action.
Start Here
A model built for the decisions ahead of you.
Book a 30-minute discovery call. We will talk through your current model, what decisions it needs to support, and what a properly integrated rebuild would look like.