Tax Covenants and Warranties

2.3 She recognises that the van will gradually move from a value of £1,200 to nil over the 12 months that she is trading. She therefore needs to spread the cost over that period, and she does this by reducing its value by £100 a month. This reduction, reflecting the effective consumption of the fixed asset by its use, is called depreciation. 2.4 She therefore incurs a rental charge of £500 per month and depreciation of £100 per month. The net profit or loss is therefore the gross profit on the sales in the month, less the overhead costs in respect of the rent and depreciation. “Overhead costs” are those costs which are costs of the business but which are not the direct costs of those items which have been sold. Overhead costs might be described alternatively as “fixed costs” (on the basis that they are broadly constant, regardless of activity levels), or administrative expenses (borrowing some terminology from the Companies Acts). 2.5 As Jane has fixed costs of £600 per month, and she makes a gross profit on each windsurfer sold of £300, we can compute her break-even point: the break-even point is the fixed costs as divided by the gross profit percentage: we therefore divide £600 by 0.3, and this gives the level of break-even sales. This is £2,000. Therefore Jane needs to sell an average of 2 windsurfers every month in order to cover her rental cost and depreciation and to have nothing left.

2.6 We can follow her venture through the monthly accounts that she produces:

Month

January

February

March

Number sold

- -

2

3

Sales

2,000 _____

3,000 _____

_____

Purchases

7,000

-

3,500 5,600

Opening stock

-

7,000

Less: Closing stock

(7,000) _____

(5,600) _____ 1,400 _____

(7,000)

______

Cost of sales

-

2,100 _____

_____

Gross profit

-

600

900

_____

_____

_____

Overheads: rent

500 100 600 ___

500 100 600 ___ - ===

500 100 600

Overheads: depreciation

Total overheads

____

Net profit/(loss)

(600) ===

300 ===

Gross profit %

30%

30%

Net profit %

0%

10%

3

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