030 555 721 370
anfrage@guhr-steuerberatung.de
Auerstr. 14, 10249 Berlin
Service · Business advisory
Liquidity that never catches you out.
Growth, a full order book – and still it gets tight at quarter-end. If you don't plan ahead for tax prepayments, VAT and working capital, you end up bridging shortfalls expensively via the overdraft. We build you a rolling liquidity plan that shows what will really be in the bank in 13 weeks – before it runs short.
Rolling 13-week outlook- Tax dates firmly scheduled
- Squeezes visible early
Sound familiar?
Profit on paper – and still short of cash.
This is what we keep hearing from business owners and the self-employed:
The management accounts show profit; the bank balance says otherwise.
Profit is not liquidity. Tax, loan repayments and capital tied up in stock and receivables don't appear in the P&L – but they are very much missing from your account.
The tax prepayment always lands at the worst moment.
Four dates a year for income or corporation tax, plus trade tax (Gewerbesteuer) and possible back payments. Without a reserve, every assessment tears a hole in your account.
VAT feels like your money – but it isn't.
VAT you collect belongs to the tax office. Spend it alongside everything else and you'll be undercovered at the next return.
Strong months, thin months – and no reserve in between.
A seasonal business means a lot comes in during the good months and almost nothing in the weak ones. Without planning, you bridge the troughs on credit.
Your money is stuck in stock and unpaid invoices.
Weeks pass between delivery and payment. Overly long payment terms and full warehouses tie up capital you need elsewhere.
You only see the squeeze once it's here.
Without a forward view, you learn about a liquidity gap too late to counter it cheaply – and end up negotiating with the bank out of necessity.
What we take off your plate
From account movements to a clear forecast.
Concretely, we deliver for your liquidity management:
Rolling liquidity plan
We build your plan across two horizons: 13 weeks short-term, 12 months strategic. Updated straight from your ongoing DATEV figures.
Cash-flow forecast with scenarios
We project inflows and outflows from open items, order book and fixed costs – including best and worst case, so you know the range.
Tax planned firmly in
We schedule every payment in advance: prepayments for income or corporation tax (§37 EStG), trade tax (§19 GewStG) and the VAT liability. No date catches you unprepared.
Working-capital analysis
We examine payment terms, receivable durations and stock levels and show where capital is needlessly tied up – from early-payment discounts and terms to your dunning process.
Tax reserves & buffer
We set how much you should set aside for tax and back payments, and build in a reserve for tax audits and fluctuating assessments.
Early warning & bank prep
We define thresholds that trigger an alert and prepare bank meetings with solid figures – before a credit line has to be drawn.
What changes for you
From the rear-view mirror to the road ahead.
A clean plan shifts several things:
You see squeezes weeks in advance.
Instead of being surprised at month-end, you spot gaps early enough to react calmly and cheaply.
No tax date catches you cold.
Prepayments and back payments are scheduled and set aside. The assessment is no longer a threat, just a known item.
You stop financing via the overdraft.
When you see a squeeze coming, you bridge it in a planned, low-interest way – instead of paying dearly on the current account.
Working capital is freed up.
Shorter payment terms, a clean dunning process and leaner stock release capital you can put into growth.
Seasonal troughs lose their sting.
You know which reserve will carry you through the weak months – and set it aside deliberately in the strong ones.
You negotiate from a position of strength.
With a solid plan you enter the bank meeting before things heat up. That improves both terms and trust.
A personal note from Karsten Guhr
Most liquidity problems I see are not profit problems – they are timing problems. A profitable company gets into trouble because tax, repayments and payment terms were never thought through together. That's exactly what we turn around: you should see every squeeze coming, not live through it.
Head office Berlin · clients from Sylt to Garmisch
Nationwide · 100 % digital
One firm. Available anywhere in Germany.
Whether Berlin, Munich or somewhere in between: we run every mandate fully digital – DATEV-connected, signed PDFs, video meetings. No commuting, no postal delays, no 90s-style bookkeeping.
- 01
DATEV Unternehmen online
Receipts, banking, payroll, reports – you work in the standard interface every German tax advisor speaks. No vendor lock-in.
- 02
Video meetings instead of on-site visits
Quarterly review, tax strategy, holding check – via video with screen sharing. You save half a day every time.
- 03
Signed PDFs & digital powers of attorney
Tax filings, annual accounts, contracts – signed via qualified e-signature. Accepted by the tax office, done in minutes.
How we work
Four steps to a reliable plan.
Fully digital, no spreadsheet chaos:
Stocktake & connection
We connect your DATEV figures, review accounts, open items and recurring payments, and understand your business model and its seasonality.
01
Building the plan
We build your rolling liquidity plan with realistic cash flows, scheduled tax dates and reserves – as a clear, understandable model.
02
Scenarios & steering
We play through good and bad cases, define early-warning thresholds and set when and how we counter together.
03
Ongoing updates
We keep the plan current, review the numbers with you regularly and prepare bank meetings before they become necessary.
04
030 555 721 370Frequently asked
What owners ask about liquidity.
Answered briefly and soundly:
Stop steering by the rear-view mirror.
See your liquidity coming.
In the intro call we look at your numbers, your tax dates and your seasonality – and show where a plan has the biggest impact.