Virtual CFO
13-week cash flow forecast
A 13-week cash flow forecast follows every euro clearing your bank accounts, week by week, across each entity trading in the EU, so a supplier payment landing badly or a slow customer in another member state shows up with time to act rather than after the fact.
13-week cash forecast
Illustrative client · August 2026
EUR
- Cash today
- €244,220
- Lowest week ahead
- 239,800
- Largest outflow
- Payroll, 46,300
Illustrative. An example of the document, not a client's figures.
Weeks, not months
An annual budget tells you whether a year is broadly on track. It says nothing about a Tuesday when payroll is due and a receipt from a French customer is still sitting in transit. That is the level a 13-week forecast operates at: real bank movements, in the currency they actually land in, mapped week by week.
One entity, or a group
Companies with a single Irish or Dutch entity get a straightforward weekly model. A group with entities in three or four member states gets one model per entity plus a consolidated euro roll-up, so a shortfall in one country does not hide inside a healthy group total, and does not get mistaken for a problem when the group as a whole is fine.
The inputs behind the number
Receivables and payables ageing, current bank balances, and a list of scheduled outflows such as VAT and OSS payment dates, lease and loan instalments, and payroll runs feed the model. Each week we compare the forecast to what actually cleared and explain the gap, so the thirteenth week out stays as reliable as the first.
Where the forecast gets used
It becomes the document a bank or credit provider asks to see before extending or renewing a facility, and it pairs naturally with budgeting for the annual plan sitting behind the weekly detail. Seasonal businesses, and any group selling across borders with payment terms that vary by market, get the earliest warning from this view.
Questions
Frequently asked questions: 13-week cash flow forecast
Do you build a separate forecast for each EU entity?
Yes, with a consolidated euro roll-up on top. That way a cash gap in one entity is visible on its own rather than smoothed away inside a healthy group number.
What access do you need to build the model?
Read-only bank feeds through Xero or QuickBooks Online, plus your receivables and payables ageing, are enough to get started.
Is a weekly forecast overkill for a stable business?
Not if payment terms differ by country or currency conversion timing adds friction. Those are exactly the gaps a monthly budget misses.
Are VAT and OSS payment dates built into the model?
Yes, as scheduled outflows on the calendar. The filing itself still runs through your own registration or a credentialed local partner; we simply plan the cash for it.
How is the forecast updated once the first week has actually happened?
Actual results replace the forecasted week, the remaining weeks roll forward, and a new thirteenth week is added, so the model stays a genuine rolling thirteen weeks rather than shrinking down as time passes. We flag any material gap between forecast and actual as soon as it appears.
How is a 13-week forecast different from a budget?
A budget is an annual plan by month. A 13-week forecast tracks actual cash in and out by week, which is what matters when cash is tight or growth is fast.
What do you need from us to build it?
Bank access, your accounts receivable and payable aging, and a list of known upcoming payments such as payroll, rent and loan payments.
How often is it updated?
Weekly, so the model always reflects what actually cleared the bank rather than drifting from reality.
How is 13-week cash flow forecast priced?
Pricing for 13-week cash flow forecast depends on your transaction volume, the software you use, and how much cleanup is needed before ongoing work starts. Current ranges are published on the pricing page, and your exact fee is confirmed in writing before anything begins.
Related services
- Virtual CFOFractional CFOA senior finance lead who works your numbers on a part-time basis: monthly reviews, board and investor prep, and a second opinion before a big decision.
- Virtual CFOLender covenant reportingRecurring reports built to your loan agreement's exact definitions, delivered on the schedule your lender requires, so a covenant test never comes as a surprise.
- Virtual CFOBudgetingAn annual budget built from your real numbers, broken out by month and department, that becomes the baseline every later report is measured against.
Next step
Talk to the team that would run your books
A short call covers your setup, your software and what a first month would look like. You get a written scope and price after it.