Virtual Finance Office (VFO) services
Expert financial management at a fraction of the cost.
A full-time Finance Director usually costs most companies between £80,000 and £150,000 annually. Until then, you are forced to make decisions based on incomplete or outdated data. With our Virtual Finance Office, you have the same senior-level oversight, real-time reporting, cash flow forecasting and tax planning at a fraction of the cost.
5.0 Google Rating
UK businesses trust us with their finances
40–60%
Cost Saving vs In-House Finance Department
Real-Time
Monthly Reporting
1 Team
All Finance Needs Covered
Common Challenges We Solve
Making decisions on numbers that are already out of date?
We provide you with monthly management accounts, not an end-of-year report, so that your decisions are based on where the business stands today.
Can't justify a full-time Finance Director yet?
You get the same senior-level oversight through a flexible retainer service, but without the annual salary, recruitment expense, and long-term engagement.
Cash flow unpredictable even though you're profitable?
Our Virtual finance office builds proper forecasts and handle debtor collection actively, thus converting profit into cash in the bank.
Preparing for investment or a sale, but your reporting isn't investor-ready?
Our Virtual finance office creates board-level reporting that looks credible to any lender or investor, or even a potential purchaser of your business. We do not provide something done quickly and on short notice the previous week.
Worried tax bills will catch you off guard?
We calculate your liabilities in advance and create plans for dealing with them. So there will be no unexpected liability when the bill arrives.
Complete Virtual Finance Office Support for Your Business
Hiring a full-time Finance Director or Financial Controller is expensive. Without one, business owners are left flying blind on profit, cash flow and tax planning. Our VFO service gives you senior-level financial oversight at a fraction of the in-house cost.
Real-Time Profit & Loss Reporting
You get monthly management accounts and a real profit and loss picture, so you know where the business actually stands, rather than waiting until year end to find out.
Tax Planning & HMRC Liability Management
We calculate your tax liabilities ahead of time and identify the reliefs available to you, so your HMRC bill is never a surprise and you can plan payments with confidence.
Direct Access to Senior-Level Advice
This isn’t a junior bookkeeper relaying numbers upward. You get direct access to Financial Controller or FD-level advice on the decisions that actually matter, pricing, contracts, hiring, and raising finance.
Scalable, Fully Outsourced Finance Function
As your business grows, your finance needs evolve. Our VFO service scales with you by covering bookkeeping, payroll, VAT, management reporting and more so your entire finance function runs smoothly without adding headcount.
Request a quote or ask for advice
We work with a wide range of businesses on a national level and can give you the friendly and expert accounting advice you need.
How Our VFO Transforms Your Financial Operations
Financial Forecasting & Cash Flow Planning
We provide forward-looking financial forecasts and cash flow projections, helping you anticipate challenges, plan investments, and make confident decisions
Budgeting, Scenario Planning & Strategy Support
We help set realistic budgets aligned to your actual growth plans, and model out different scenarios, hiring, pricing, investment, so decisions are based on real numbers, not guesswork.
Management Accounts & Performance Reporting
Our VFO team prepares regular management accounts with key performance indicators, giving you timely, actionable insight into profitability and margins
Cost-Effective Finance Support
Our Virtual finance office delivers outsourced accounting and financial management without the overhead costs
Personalized Financial Strategy
Our tailored financial support aligns with your unique business needs and goals to drive growth and stability
Dedicated Finance Partnership
We act as your trusted finance partner, providing expert guidance and proactive support to navigate challenges,
Comprehensive Accounting & Financial Solutions
Expert accounting services tailored to meet your business needs
Audit & Assurance Services
Independent audits for compliance, risk management, and financial transparency.
Bookkeeping & Payroll Services
Accurate financial record-keeping and seamless payroll processing.
Tax & VAT Advisory Services
Proactive tax strategies to optimize savings and ensure compliance.
Financial Planning & Business Advisory
Strategic guidance to drive long-term profitability and growth.
FAQs
What is the difference between an accountant and a Virtual Finance support?
An accountant typically looks back at historical year-end data. A VFO acts as your daily finance team, managing cash flow, paying suppliers, and providing real-time forward-looking advice.
Is a VFO cheaper than hiring a Finance Director?
Yes, significantly. You get access to FD-level expertise and a full finance team for a fraction of the cost of a single full-time senior hire.
Can your VFO service grow with my company?
Absolutely. Our service is scalable; we can ramp up support during busy periods or as your transaction volume increases without you needing to recruit staff.
Who will be my main point of contact?
You will have a dedicated client manager who acts as your “Financial Controller.” They know your business inside out and are supported by a wider team of specialists.
What does a Virtual Finance Office (VFO) service include?
We provide corporation tax returns, dividend planning, director compliance, and proactive HMRC support for limited companies.
Struggling with Finances?
Let Reflex Accounting Handle It!
Focus on growing your business—not managing HMRC paperwork, audits & payroll
