Plan your Swedish business’s results and cash flow, and follow up what changes along the way.
Skattepunkten's Office Services AB helps businesses prepare and follow up profit and loss budgets and cash-flow forecasts. We connect the business’s plans with accounting records and expected payments, with clear explanations in English for owners and finance teams in Sweden or abroad.
From plans to useful follow-up
Plan ahead with a clearer view of profit and cash flow
Tell us about the business, the information available and what you need to plan or follow up. We can discuss an approach that fits your operations. Registration is not an order.
If you have any questions before submitting your registration, you are always welcome to contact us.
Results, payments and decisions
Budgeting and follow-up adapted to your business
We help turn available information and business assumptions into a workable plan, then follow the differences between the plan and what happens in practice.
Profit and loss budgets
Build a plan for revenue, costs and operating results, with assumptions you can review and follow up.
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- Use previous figures and current business plans as a starting point
- Review sales volumes, pricing, staffing and other significant costs
- Allow for seasonality and planned changes in the business
- Separate recurring operations from one-off items and investments
- Set an appropriate level of detail for owners and managers
- … and more
Cash-flow budgets and forecasts
Plan when money is expected to arrive and leave, so that upcoming payment needs are visible.
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- Start with available bank balances and expected customer receipts
- Plan supplier payments, payroll, taxes and VAT cash flows
- Include agreed loan payments, investments and other known commitments
- Review payment timing, currency assumptions and cross-border flows
- Identify periods that may require closer attention or a financing discussion
- … and more
Follow-up and scenarios
Compare the plan with actual results, understand significant differences and update the outlook.
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- Compare budgeted revenue and costs with recorded outcomes
- Review expected and actual cash movements and payment timing
- Discuss changes in sales, staffing, investments or payment terms
- Prepare agreed forecasts and scenarios using explicit assumptions
- Compile a useful basis for management or financing discussions
- … and more
An agreed plan and review routine
How we work
- 1
Review your goals and current information
We discuss the business, the decisions ahead and the accounting records, payment information and plans already available.
- 2
Agree the scope and assumptions
We agree the period, level of detail, currencies, input dates and responsibilities, including how often the plan should be reviewed.
- 3
Prepare the budget and cash-flow outlook
We bring together expected results and payments, identify important assumptions and highlight information that still needs to be confirmed.
- 4
Follow up and update the plan
At agreed intervals, we compare with actual outcomes, explain significant differences and revise the outlook as the business changes.
Practical answers for owners and finance teams
Frequently asked questions about budgets and cash flow
What is the difference between a profit budget and a cash-flow budget?
A profit budget plans revenue and costs for a period. A cash-flow budget plans when payments are expected to reach or leave the bank account. Timing differences mean a business can show a profit while still facing a shortage of cash. The two plans therefore answer different questions.
Can you prepare a budget as well as follow up an existing one?
Yes. We can discuss preparing a new budget, reviewing an existing plan or adding regular follow-up. We agree the purpose, level of detail, underlying assumptions and responsibilities before work begins.
What information is needed for a cash-flow forecast?
Useful inputs include opening bank balances, unpaid customer and supplier invoices, expected sales, planned payroll, tax and VAT payments, loan payments and investments. We review the information available and identify which amounts or payment dates still need to be confirmed.
How often should the budget and cash flow be reviewed?
The frequency depends on the business and its payment cycles. A monthly overview can be a useful starting point, while a more detailed short-term view may be appropriate when payment timing is critical. We agree a practical routine with you.
Can you help if another firm handles the bookkeeping?
Yes. We can work with accounting records prepared by your own team or another accounting firm. We agree access, input dates and who is responsible for keeping the records current. Any work needed to complete or correct the bookkeeping is discussed separately.
Can you explain the plan to overseas owners or a finance team?
Yes. We can explain the Swedish figures in English and discuss an agreed format for owners or a finance team abroad. Cross-border payments, exchange-rate assumptions and group funding arrangements can be considered where relevant and supported by the information provided.
Can you help us understand differences between budget and actual results?
Yes. Within the agreed assignment, we can compare the plan with actual figures, review significant differences and discuss whether assumptions or forecasts should be updated. The analysis depends on the quality and detail of the underlying records.
Can a forecast support an investment or financing discussion?
A forecast can help show how a proposed investment or change in financing could affect results and payment needs. It provides a basis for discussion, while lending decisions, funding terms and any separate assessment remain with the relevant parties.
Does a positive profit forecast mean there will be enough cash?
No. Payments may fall due before customer receipts arrive. VAT, loan repayments, investments and other cash movements can also differ from the costs shown in a profit budget. A forecast is a planning tool, not a guarantee of future results or available funding.
How do we get started, and what will the work cost?
Register as a new client or contact us with a short description of the business, the information available and the planning or follow-up you need. We can then discuss the scope, timetable and fee basis. Registration is not an order.
Would you like a clearer budget and cash-flow plan?
Register as a new client so we can consider how we can help you. Registration is not an order. If you have any questions before submitting your registration, you are always welcome to contact us.
Digital accounting with personal contact
Certified Spiris accounting partner
Skattepunkten's Office Services AB is a certified Spiris accounting partner.
We help you use digital tools in a way that fits your business, with a personal contact who understands your business’s plans, payment cycles and follow-up needs.
A Swedish contact with international reach
Planning across borders with a Swedish point of contact
Skattepunkten is a member of ETL GLOBAL. When your business involves more than one country, we can coordinate with relevant local expertise alongside your existing advisers.
You retain a clear contact in Sweden while we coordinate budget assumptions and cash-flow questions with your overseas team, existing advisers or local expertise. Responsibilities and any additional work are agreed with you.
Official guidance in English
Relevant links
English guidance and planning tools for budgets, payment timing and cash-flow management.
This page provides general information. Budgets and forecasts depend on assumptions and available records; they do not guarantee a particular result, cash position or financing. The scope and approach are agreed for each assignment.