Settlements that reconcile
Trace gross transaction activity through deductions and payout timing to the bank.
Accounting that separates sales from settlement cash
Online sales, shop takings and marketplace payouts do not arrive in the accounts in the same form. We help retailers reconcile those flows and build a clearer view of product costs, channel expenses and stock funding, without mistaking a strong sales month for strong cash generation.
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The practical outcome
Trace gross transaction activity through deductions and payout timing to the bank.
Review sales after returns alongside product, fulfilment and channel costs on a consistent basis.
Connect purchasing commitments with supplier terms, inventory movement and expected collections.
What this looks like in practice
The first reporting question is whether your records explain the route from an order to a bank receipt. Product and channel analysis becomes useful only when that foundation is dependable.
A net deposit can include deductions for processing fees, marketplace charges, refunds, reserves or other adjustments. We can build a settlement reconciliation from the available platform statements, mapping those movements into the accounting records and tracking balances that have not yet reached the bank.
Physical-shop takings need their own check against till summaries, cash records and card settlements. Posting the same sales from both an order export and a bank feed can duplicate revenue. We assess the current workflow and ownership before proposing additional software or a connector.
A useful channel comparison begins with net sales after returns and discounts, excluding applicable VAT. Product cost then needs a reliable inventory basis. Purchasing stock does not automatically mean that the whole purchase is a cost of the same month's sales.
Further analysis can include processing, marketplace fees, shipping, packaging and attributable advertising. The labels must make the calculation clear: contribution after those costs is not the same as statutory gross profit or overall net profit. Where campaign costs or returns cannot be assigned reliably, the report should disclose that rather than imply precise product profitability.
A purchasing plan should connect stock on hand, supplier lead times, minimum orders, payment terms and realistic sell-through. Slow-moving products need attention because they can hold cash without supporting the expected sales. Stock counts and write-down decisions remain necessary even when a platform displays a quantity.
We can test the cash impact of seasonal orders, a new product range or a second channel. The forecast should include payment reserves, delayed payouts and a returns scenario where those factors are relevant. Cross-border sales and VAT obligations require your tax specialist; the forecast uses their agreed tax-payment assumptions.
Invented monthly figures are net of VAT. This management illustration includes the listed costs only and is not a client result or industry margin benchmark.
| Channel calculation | Amount |
|---|---|
| Sales before returns | €30,000 |
| Returns and discounts | €2,000 |
| Net sales | €28,000 |
| Cost of products sold | €12,000 |
| Platform and payment fees | €2,000 |
| Fulfilment and shipping | €3,000 |
| Attributable advertising | €4,000 |
| Contribution before shared overhead | €7,000 |
The €7,000 contribution still has to cover shared costs. It also does not equal cash available: purchasing replacement stock, settlement delays and supplier payments change the bank position.
Start the enquiry with a summary of the problem and the systems you use. If we agree to proceed, the working information normally includes:
Do not send passwords, banking credentials or sensitive personal records through the public enquiry form. Access and document-sharing arrangements are agreed separately.
Where to start
Reconcile transactions, payouts and supplier records without double-counting income.
Management accountsExplain channel contribution, stock movements and the monthly financial result.
Cash-flow forecastingPlan seasonal purchases and collection timing before cash is committed.
Finance-process improvementAssign responsibility for sales exports, settlement checks and stock information.
The first working cycle
Identify which systems record orders, refunds, fees, settlements and stock.
Check a complete period for duplicate sales, missing deductions and unsettled payouts.
Use supportable costs to explain one channel's result and purchasing cash needs.
Tell us which channels you sell through and where the accounts stop explaining the result. We can assess the records first, then scope settlement reconciliation, management reporting or a stock-led cash forecast.
No. Those responsibilities stay with your tax adviser. We can provide organised records and reflect agreed payment assumptions in reporting and forecasting, but do not determine or file those obligations.
Where sales, returns and product costs are reliable, we can assess an appropriate product-level view. Advertising and fulfilment allocations need a defensible method. A contribution report should state what it includes and what remains shared overhead.
Complimentary 20-minute finance consultation
Bring the finance problem taking up the most attention. Our team will establish whether the requirement fits and what a sensible next step could look like.
Speak with our accountancy team. No obligation and no need to choose a service beforehand.