Buying a Small Business in the UK - A Quick Reference Guide

The common elements of working capital on the balance sheet are below:

Current Assets

● Cash ● Debtors - customers who owe the business ● Stock ● Work in Progress ● Pre-Payments – Money the business has paid in advance

Current Liabilities

● Creditors – suppliers to who the business owes ● Payroll taxes owed as of now ● VAT owed as of now ● Accruals – Money the business owes but creditors have not invoiced ● Corporation tax owed as of now ● Customer deposits ● Other cash and short-term debt items Note: We normally exclude the Director’s Loans and Inter Company Loan accounts for the working capital calculation as the assumption is Director’s Loans will just be turned into a dividend or written off at closing and Interco Loans are written off so have no impact on cash flow. An example of a working capital calculation for Best Body Whole Foods would be:

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