Applied Computer Vision

Full Expense Analysis — Feb 2023 to Apr 2026 — Financial Year runs Dec–Nov

Total Bank Outgoings
£443,893
All time (Feb 2023 – Apr 2026)
Total Sales Revenue
£364,463
Invoiced sales, all time
FY24/25 Revenue
£167,611
Dec 2024 – Nov 2025
FY24/25 Outgoings
£238,643
Dec 2024 – Nov 2025
FY25/26 YTD Profit
+£8,770
First time in profit at month 5!
AWS Owed to You
£2,793
Personal card 0726 (18 invoices)

Cumulative Profit Trajectory — Year-on-Year Comparison (Revenue minus Outgoings)

Monthly Cash Flow — Sales Revenue vs Bank Outgoings

Year-on-Year: Revenue vs Outgoings

Year-on-Year Outgoings by Category

FY24/25 Spending Breakdown

AWS Costs Over Time (Personal Card)

Current Monthly Committed Spend
£555
Subscriptions £342 + AWS £213 /month
AWS £213 Xero £60 Cursor £55 BT £52 LinkedIn £41 Google £38 Starlink £35 Virtually There £33 Webflow £27

Monthly Recurring Commitments (excl. AWS)

Software, rent (IWG → Pure Office → Two Wheels), internet, utilities, insurance & more — stacked by category.

Pending Transactions

Track amounts owed to you (positive) or that you owe (negative). These appear on the charts as pending items. Data is saved in your browser.

DateDescriptionAmount (£)
Net Position £0.00

Detailed Breakdown

Ranked by potential savings — from quick wins to bigger structural changes.

Already Cancelled — Well done, you've already cut these

ItemLast PaymentWas CostingStatus
Spotify6 Oct 2025£12/moCancelled
Lucid Chart30 Jan 2026£13/moCancelled
ChatGPT9 Oct 2025£18/moCancelled
Virtual Landline22 Aug 2025£4.50/moCancelled
RAC Breakdown15 Sep 2025£2/moCancelled
Nuffield Gym3 Nov 2025£76/moCancelled
Nest Pension25 Mar 2025£78/moCancelled
LinkedIn (direct)15 Dec 2025variesCancelled
You've already saved ~£2,400/year by cancelling these. Good instinct.

Quick Wins — Still active, easy to cut

ItemCurrent CostLast PaymentRecommendationPotential Saving
Virtually There (virtual office)£290/yr13 Apr 2026You have a physical office at Two Wheels now. Still need a virtual address?£290
Entertainment (Hollywood Bowl, Ski, etc.)~£400/yrvariousReview if genuinely business-related£400
Quick wins total: ~£690/year

Medium Wins — Consolidate or renegotiate

ItemCurrent CostLast PaymentRecommendationPotential Saving
Dual internet: BT + Starlink£1,030/yrBT: 27 Apr, Starlink: 7 AprDo you need both? If Starlink is for a job site, fine. Otherwise drop one.£440–590
LinkedIn Premium (via Apple)£451/yr2 Apr 2026Still paying via Apple. Evaluate if it's generating leads.£451
Costa Coffee£560/yr (56 visits)various3+ visits/week. Use the office coffee machine.£400+
Convenience stores£1,592/yr (141 txns)various£11 avg per visit, almost daily. A weekly shop would cut this significantly.£800+
Uber + Uber Eats + Deliveroo£950/yrvarious39 taxi/delivery transactions. Batch errands, plan meals ahead.£400+
Medium wins total: ~£2,500–3,250/year

Bigger Opportunities — Structural changes

ItemCurrent CostRecommendationPotential Annual Saving
Food & subsistence (total)£8,609/yr and growingThis has gone from £85 → £2.2k → £8.6k in 3 years and is on pace for £12.6k this year. Set a monthly budget (e.g. £300/mo = £3.6k/yr).£5,000+
Amazon spending£15,760/yr (223 txns)Hard to audit at £70/avg. Some is genuine job materials, but there's likely waste. Require PO numbers or categorise at purchase time.£2,000–5,000
AWS hosting£2,100/yr (rising to £2,500+)Costs have doubled in a year. Review what's running — are there idle instances, over-provisioned resources, or unused services?£500–1,000
Director's Drawings discipline£44,731 in FY24/25The £36k car was a one-off, but even excluding that, £9k was drawn. Keep this proportional to profits.varies
Move AWS to company card£175/moNot a saving, but stops the reimbursement issue growing. Do this immediately.—
Bigger opportunities total: £7,500–11,000+/year
Total potential savings: £11,000–15,500/year. That's roughly a full month's outgoings. The biggest lever is controlling food & subsistence spend which has spiralled from almost nothing to nearly £9k in two years. The second biggest is auditing your Amazon and PayPal purchases more carefully.
What NOT to cut: Xero (essential for accounting), Webflow (your website), Google Workspace (email), insurance, BT internet (primary line), and Cursor (your main development tool). These are core business tools with clear ROI.

Financial year runs December to November. FY25/26 is partial (Dec 2025 – Apr 2026). Revenue is from the Sales account (invoiced). Bank inflows also include loans and transfers which are not revenue.

CategoryFY22/23
Feb–Nov 2023		FY23/24
Dec 2023–Nov 2024		FY24/25
Dec 2024–Nov 2025		FY25/26 (partial)
Dec 2025–Apr 2026
Staff & Contractors£6,601£32,793£35,512£8,620
HMRC (Tax)£1,401£13,250£13,723£9,449
Rent & Premises£240£5,970£16,866£723
Software & Subscriptions£2,636£4,968£5,602£5,061
Vehicle£264£927£17,135£1,309
Suppliers & Materials£2,140£8,793£48,416£17,388
Marketing & Exhibitions£199£0£16,920£1,497
Food & Subsistence£85£2,235£8,609£5,264
Director's Drawings£0£13,594£44,731£682
Subcontractors£0£0£18,285£4,782
Other / Uncategorised£15,252£34,580£12,846£4,544
TOTAL OUTGOINGS£28,819£117,111£238,643£59,320
SALES REVENUE£27,393£101,369£167,611£68,091
Other bank inflows *£8,679£23,129£111,389£12,587

* Other bank inflows include: director loans in (JEG £100k, Fredrick Goodwin £20k, John Goodwin various), refunds, and non-trading receipts. These are not revenue.

Revenue has grown strongly: £27k (FY22/23) → £101k (FY23/24) → £168k (FY24/25). That's a 65% increase in the latest full year.
FY24/25 outgoings (£239k) exceeded revenue (£168k) by £71k. However, this was funded by a £100k injection from "JEG" in Dec 2024 and includes £45k of Director's Drawings (including a £36k personal car). Stripping out Director's Drawings, operational outgoings were ~£194k against £168k revenue — a £26k gap, partly funded by the loan/investment.
FY24/25 was a heavy investment year. Suppliers & Materials jumped from £9k to £48k, marketing from £0 to £17k, subcontractors from £0 to £18k, and vehicle from £1k to £17k. These are growth investments that should generate returns in future years.
FY25/26 is looking healthier. 5 months in: revenue is £68k vs outgoings of £59k, putting you back in the black. Annualised that's ~£163k revenue vs ~£142k outgoings.
You have been paying AWS from your personal MasterCard ending 0726. These are business expenses that the company owes you.
Total to Reimburse: £2,792.74 (approx.)

18 AWS Europe invoices paid on personal card •••• 0726. EUR/USD converted at approximate rates (€1 ≈ £0.86, $1 ≈ £0.79).

Billing PeriodInvoice IDCurrencyOriginal AmountApprox. GBP
Jul 2023EUINGB23-3695048USD$57.82£45.68
Oct 2024EUINGB24-5292218EUR€196.69£169.15
Nov 2024EUINGB24-5680222EUR€178.21£153.26
Dec 2024EUINGB25-78621GBP£105.09£105.09
Jan 2025EUINGB25-766571GBP£105.40£105.40
Feb 2025EUINGB25-1113950GBP£98.11£98.11
Mar 2025EUINGB25-1787706GBP£113.15£113.15
Apr 2025EUINGB25-2176995GBP£174.46£174.46
May 2025EUINGB25-2781820GBP£197.22£197.22
Jun 2025EUINGB25-3418434GBP£212.27£212.27
Aug 2025EUINGB25-4534383GBP£163.09£163.09
Sep 2025EUINGB25-5253283GBP£160.88£160.88
Oct 2025EUINGB25-5511202GBP£194.58£194.58
Nov 2025EUINGB25-5998821GBP£166.16£166.16
Dec 2025EUINGB26-76780GBP£175.66£175.66
Jan 2026EUINGB26-591860GBP£163.61£163.61
Feb 2026EUINGB26-850594GBP£181.84£181.84
Mar 2026EUINGB26-1307439GBP£213.13£213.13
TOTAL £2,792.74
Note: There are also 16 older AWS invoices on card ending 8313 totalling ~£1,404 (approx GBP). If that was also a personal card, the combined total to claim back would be ~£4,197.
AWS costs are increasing: From ~£100/month in early 2025 to ~£213/month in Mar 2026. Jul 2025 was billed to card •••• 7972 (£217.03) — not included in this claim.
Recommendation: Update AWS billing to pay from the company bank account or company card going forward.

Expenses that repeat on a regular schedule, based on bank transaction patterns.

ExpenseWhat It IsFrequencyTypical AmountAnnual Cost (Est.)
Two Wheels Unit 6Office rentQuarterly£4,350£17,400
HMRCTax (PAYE, VAT, Corp Tax)Periodicvaries£13,700+
Mark BradleyStaff wagesMonthly£2,165£25,980
AWS (personal card!)Cloud hostingMonthly – CLAIM BACK£175£2,100
John GoodwinDirector salary & expensesMonthly£114.51 + ad hoc~£8,189
British GasOffice energyMonthly£73.58£883
Premium CreditBusiness insuranceMonthly£56.01£672
XeroAccounting softwareMonthly£58.20£698
WebflowWebsite hostingMonthly£54.17£650
BTOffice internetMonthly£49.24£591
Castle WaterOffice waterQuarterly£449.42£1,798
CursorAI code editorMonthly£41.73£501
Google WorkspaceEmail & productivityMonthly£41.83£502
Apple (LinkedIn Premium)Professional networkingMonthly£37.62£451
StarlinkInternet (backup/site)Monthly£36.60£439
Virtually ThereVirtual office addressMonthly£24.13£290
Microsoft 365Office softwareMonthly£16.32£196
ChatGPTAI assistantCancelled Oct 2025£18.40—
Lucid ChartDiagramming toolCancelled Jan 2026£13.20—
SpotifyOffice musicCancelled Oct 2025£11.99—
NestPension contributionsCancelled Mar 2025~£78—
Virtual LandlinePhone numberCancelled Aug 2025£4.50—
RACBreakdown coverCancelled Sep 2025£2.00—

The largest individual payments from the bank account.

Software tools and digital subscriptions paid from the bank account.

Top payees from the bank account.

ItemFY22/23FY23/24FY24/25FY25/26 (partial)
Rent (IWG → Two Wheels)£0£4,176£8,700£0
Virtually There (virtual office)£240£290£434—
Castle Water——£1,798—
British Gas—£1,504£1,766—
BT Internet——£788—
Starlink——£183—
Total£240£5,970£16,866£723
ItemPaymentsTotal
Van purchase — Horton Heath Van Centre1£10,074
Van insurance (Admiral + Hastings + AA)8+£3,833
Fuel (BP, Shell, etc.)20+£1,431
Parking & tolls14+£220
Parts & maintenance8+£320
Edinburgh Council (fine + impound)4£419
Director's personal car (£35,975) was paid via Director's Loan Account — not a business expense but affects cash position.
Revenue is growing strongly: £27k → £101k → £168k across 3 financial years. FY25/26 is on pace for ~£163k.
AWS reimbursement needed: ~£2,793 on card 0726. Potentially £4,197 if card 8313 was also personal. Switch AWS billing to company account.
FY24/25 was cash-negative on trading alone. Revenue of £168k didn't cover outgoings of £239k (including £45k Director's Drawings). The gap was bridged by a £100k injection from "JEG" in Dec 2024. Stripping out the Director's Drawings and car purchase, operational costs were ~£158k which is closer to breakeven with the £168k revenue.
Your monthly fixed operating costs are ~£2,100:
• Rent: £725/mo • AWS: £175/mo • British Gas: £74/mo • Castle Water: £150/mo
• BT + Starlink: £86/mo • Software/subs: ~£545/mo • Insurance: £56/mo
• Virtual office: £24/mo • Nest pension: £78/mo • Phone: £5/mo • Bank charges: £28/mo
Director's Loan Account: £44.7k drawn in FY24/25 (including £36k car). Large outstanding Director's Loans can have tax implications — discuss with your accountant.
FY24/25 was a growth investment year: van (£10k), office (£17k), exhibitions (£17k), first subcontractors (£18k), suppliers jump to £48k. These should drive future revenue.