Why Monthly Financial Reviews Matter

Far too many SMEs only review finances at year-end — or when a crisis hits.

Monthly reviews give you:

• Real-time financial control
• Early warning signs before issues escalate
• Smarter, data-driven business decisions
• Full SARS compliance throughout the year
• Confidence to plan ahead (not just catch up)

📌 Tip: Monthly reviews turn financial management from reactive to proactive — which is exactly where directors need to be.

What Should Be in a Monthly Financial Review?

Bletchleys focuses your review on reports that actually matter:

1️⃣ Profit & Loss Statement

• Are you making money this month?
• Are margins stable?
• Are key expenses under control?

2️⃣ Cash Flow Summary

• How much money came in and went out?
• Is cash flow improving or tightening?
• Can you cover upcoming obligations?

3️⃣ Debtors Report

• Who still owes you money?
• How old are outstanding invoices?
• Are any clients becoming a risk?

4️⃣ Creditors Report

• What supplier payments are due?
• Is your payment schedule balanced?
• Any upcoming cash flow pressures?

5️⃣ VAT, PAYE & SARS Compliance Status

• Are all submissions filed on time?
• Are you fully compliant and audit-ready?

📌 Tip: Clean monthly reports prevent small problems from snowballing into SARS penalties, cash flow crunches, or profit leaks.

How Xero Simplifies the Process

Without Xero:

• Reports are cobbled together from spreadsheets
• Data is often outdated or incomplete
• Directors wait weeks for reconciliations
• Decision-making is delayed

With Xero:

• Bank feeds update transactions daily
• Invoices, payments, payroll and VAT are tracked automatically
• Reports are live and updated as the month progresses
• Directors and bookkeepers work from the same real-time data

📌 Tip: Xero keeps your accounts permanently current — so monthly reviews aren’t a scramble, they’re simply scheduled.

How Bletchleys Manages the Review Process for You

Bletchleys doesn’t just generate reports — we fully manage the monthly financial review process:

✔ Full reconciliations done every month
✔ VAT, PAYE, and SARS submissions filed accurately
✔ Director reports delivered on time, every month
✔ SARS compliance fully monitored
✔ Clear explanations of results — no jargon, no confusion

📌 Tip: Our goal is simple: clean, accurate reports directors can scan, understand, and act on — in minutes.

The Director’s Monthly Review Routine (Time Commitment: ~15 Minutes)

Total: 15 minutes

📌 Tip: With Bletchleys managing the heavy lifting, directors review results — not raw data.

How This Protects and Grows Your Business

By conducting monthly financial reviews with Bletchleys + Xero, you:

✔ Avoid compliance penalties
✔ Catch profit leaks early
✔ Improve cash flow discipline
✔ Stay audit-ready year-round
✔ Plan growth confidently
✔ Sleep better knowing nothing’s falling through the cracks

📌 Tip: Monthly financial control is one of the strongest business habits successful SME directors build.