Forward-looking review
Forecast stress test
A reasonableness review of projected receipts, margins, collection timing and proposed debt service.
Timing3–4 business days
DeliveryScenario schedule and review notes
Fee basisQuoted from R5,600 excluding VAT
Test the months that matter
Annual profit can conceal the month in which wages, VAT and a loan instalment fall due before customers pay. We rebuild the forecast monthly, compare assumptions with trading history and test slower collections, lower sales or a cost increase relevant to the business.
The review covers a supplied 12- to 24-month forecast. It records the source of opening cash, separates committed orders from prospects and calculates debt-service headroom under agreed downside cases.
It does not certify future performance. Forecasts remain estimates, and our notes make uncertainty visible rather than smoothing it away.