Jones Financial Accounts
We partner with businesses that have scaled beyond basic systems but don’t yet have a full-time Finance lead. JFA gives you clear visibility of your financial position, then builds smarter systems that improve job profitability, strengthen cash flow, and prepare your business for sustainable growth, or even succession.
Jones Financial Accounts
We Understand the Operational Headaches Behind the Numbers
No clear financial plan to support business growth
Leads to cash strain, overtrading, or hiring too early.
We create a tailored financial strategy and 12-month forecast so you can scale with confidence and clarity.
Struggling with cash flow from delayed payments?
When cash is tight and payments are late, your whole operation feels it. We’ll help you forecast accurately, manage retentions, and keep your business moving.
Don’t know which Services, products or clients are most profitable
You risk doubling down on the wrong things.
We analyse your margins by job, service or client, so you can focus on what’s profitable and cut what’s not.
Business is growing, but systems haven’t kept up
Manual processes and outdated tools collapse under pressure as your business scales. We modernise your finance systems with cloud software and automation, so you stay in control, even as you grow.
No insight into the impact of pricing, staff or capacity changes
Making changes without forecasting the impact can kill profit or trigger a cash crunch.
We use scenario planning to model “what if” decisions, so you can test it on paper before it hits your bank account.
Undercharging without realising It
Rising costs quietly destroy your margin when you haven’t reviewed your pricing.
We run a full cost and margin check, then help you set pricing that protects your profit on every job.
Financial reporting doesn’t match how the business is run
If your reports don’t reflect how your business operates, you’re making decisions in the dark.
We build custom reports by job, team, or service line, so your numbers match the way you work.
Need finance but can’t show the numbers?
Lenders want clear, up-to-date reports. We’ll make sure your accounts are lender-ready so you can access the funding to grow.
BENEFITS
Clarity on profit and cashflow
Understand where your money is going and what’s really driving performance.
Know your true financial position anytime
See exactly where your business stands, not just at year-end.
Early warnings on financial risks
Spot problems like cash shortfalls or cost overruns before they escalate.
Confidence when speaking to lenders & suppliers
Present clean, credible accounts that strengthen your reputation and negotiation power.
Financial lead who understands your industry
Bridging operational challenges with strategic financial insight so decisions are grounded in real-world understanding.
A Partner in Problem-Solving
Achieving goals, operational plans, and investments with clear financial evidence, giving you clarity and confidence when tackling challenges or opportunities.
Transform how your team performs
Equipping them with sharper data, stronger oversight, and the accountability needed to deliver sustainable performance.
Experienced FD & finance team at a fraction of the cost
We bring board-level insight, day-to-day financial control, and sector knowledge, without the overheads of building a department yourself.
OUR SERVICES
FINANCIAL REPORTING & ANALYSIS
We turn your numbers into actionable plans building-specific budgets, rolling cash-flow forecasts, project KPIs (labour hours, materials variance, retentions), ‘what-if’ scenario models, and board-ready dashboards so you can price jobs confidently, spot cost overruns early, and steer the business with facts, not guesswork.
STRATEGIC & ADVISORY
As your fractional FD, we go beyond compliance to actively support your commercial growth. From verifying business decisions from an financial standpoint, Staff training and follow on support, to aligning your business aims with financial goals. We bring the financial strategy and commercial insight you need to quote with confidence, win better contracts, and scale sustainably.
BOOKKEEPING & ADVISORY
At JFA, our bookkeeping service gives construction and engineering businesses accurate, up-to-date financial records that go beyond compliance, linking project costs, cash flow, and margins so directors have clear visibility to make smarter decisions and focus on growth.
FAQ
WHO ARE YOUR SERVICES FOR?
Construction and Engineering Firms – from start-up builders to established contractors managing multi-phase projects. ​
SMEs Without an In-House Finance Team – if you’ve outgrown your bookkeeper but aren’t ready to hire a full-time FD, we fill that gap. We become your remote, hybrid finance function.
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​Directors Who Want Visibility and Control – we work with business owners, leadership teams, and boards who are serious about scale and need clear financial insight to make confident decisions.
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Start-Ups with Big Plans – if you’re just getting off the ground but want to build things properly from day one, cash flow, systems, forecasts, the lot we’ll lay the foundations that can support real growth.
DO YOU ONLY WORK WITH CONSTRUCTION AND ENGINEERING BUSINESSES?
No - We work with ambitious, growth-focused businesses across the UK in all different industries.
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If your business is growing, evolving, or struggling to make sense of the numbers behind it, we’re your outsourced finance partner.
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We don’t just keep you compliant. We give you clarity, control, and confidence to grow.
WHAT'S THE DIFFERENCE BETWEEN AN ACCOUNTANT AND YOUR SERVICE?
Traditional accountants focus on the past. They’ll file your taxes, prepare your year-end accounts, maybe send you a P&L if you ask nicely.
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We don’t just crunch last year’s numbers, we help you use them to plan what comes next. Whether you're growing, hiring, launching new services or just trying to get control, we turn your data into direction.
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Strategic planning, forecasting, budgeting, pricing models, cash flow, cost control, it’s all part of how we help you make smarter decisions for next month, next quarter, and next year.
