Finance direction, without the full-time cost.
Management accounts, cashflow forecasting and board-ready reporting — built around your business, one or two days a week, from a qualified FCCA accountant.
Hello, I'm Philip.
I'm a qualified FCCA accountant, and pqfinances is how I work directly with business owners who need proper finance leadership — the kind that usually only comes with a full-time Finance Director — without carrying a full-time salary on the books.
That means monthly numbers you can actually trust and act on, a forecast that gets updated rather than filed away, and someone who can sit across the table from your bank, your investors, or your board and speak for the numbers.
Finance support that fits where your business is now.
Every engagement starts with the numbers you already have — and gets you to numbers you can actually use.
Management accounts & reporting
Monthly accounts that go beyond a P&L — margin by product or service, trends against budget, and a plain-English summary so the numbers actually get read.
Cashflow forecasting & control
A rolling forecast that's updated, not just built once — so you can see a cash gap coming three months out instead of finding it in the bank balance.
Board & investor reporting
Reporting packs and commentary that hold up in the room — for board meetings, investor updates, or lender reviews.
Systems & process improvement
Tidying up how the finance function actually runs — bookkeeping flow, month-end close, the tools you're using — so good numbers don't depend on a heroic effort each month.
How an engagement works
Discovery call
A free 30-minute conversation about where your business is, and where the gaps in your finance function actually are.
Diagnostic review
A short look at your current numbers, systems and reporting, and a clear view of what a fractional FD engagement would focus on first.
Ongoing engagement
A set number of days each month, built around your calendar — reviewed and adjusted as your business changes.
Built for businesses growing past their finance function.
If you're making decisions without confidence in the numbers behind them — or you've outgrown a bookkeeper but aren't ready for a full-time Finance Director — that's usually the point where a fractional FD earns their keep.
Let's talk about your numbers.
Start with a free 30-minute call — no commitment, just a conversation about where you are.
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