Library / Finance / Board P&L agent
PL Finance · runs monthly

Board P&L agent

Every month, once month-end is reconciled, it runs a full profit-and-loss analysis, compares against plan and prior periods, writes the board deck, and recommends what to do next.

A standing alternative to a finance director for the board pack — structured, read-only, and held behind a human sign-off.

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From £1,000 Fixed · one sprint
CadenceMonthly, on close
AccessRead-only
ControlHuman sign-off
OutputBoard deck
ReadsXero · BigQuery · CRM · plan file
After the build, usage-based pricing keeps it running and improving, month after month.
~2 days
saved every close
12 mo
history & budget compared
0
writes to your systems
1
human sign-off, always
How it works · the workflow

A loop that repeats every month.

It only reads your systems of record. It never writes back. A human approves the recommendations before anything is actioned.

Trigger
Month-end

Reconciled in Xero.

XeroBigQueryCRM
Agent · analyse
Analyse & flag

Pulls the P&L, balance sheet, treasury, history and budget — read-only — then flags variances and anomalies across sales, margin, EBITDA and treasury.

↺ re-analyses if the data looks wrong
Agent · report
Build the board deck

Exec summary, P&L walkthrough, margin & EBITDA trends, treasury, KPIs.

Human review
Board sign-off

A human reviews and approves the recommendations before anything is actioned.

Agent · execute
Act on approval

Only now: updates the forecast, sets alerts, briefs the team.

Act loops back to Trigger — repeats monthly. This is what makes it an agent, not a one-off script.
The data layer · everything read-only

What it reads to do the work.

Actuals · Xero (MCP)
READ-ONLY

P&L, balance sheet, cash. Returns comparison periods and 12-month history.

Baseline · plan file

Board-approved budget, phased by month. Mapped to Xero's chart of accounts.

Context · CRM & ops

Pipeline from HubSpot or BigQuery, payroll for people-cost variances, outside-Xero treasury.

Config · the rules

Account mapping, EBITDA add-backs, materiality thresholds. The encoded FD judgment.

feeds
Agent · gather (plan)
Reads all live sources

Read-only, every connection.

Agent · compare & analyse (execute)
Runs the comparisons
· vs plan (month & YTD)· vs prior month· vs same month last year· EBITDA trend over 12 months· cash movement & runway
⇠ rules apply here, at the point of comparison
Every connection is read-only. The only output is the board deck — and it's held behind the sign-off gate.
What you get

A board-ready pack, every month.

Executive summary

The month in a page: what moved, what matters, what to do.

P&L walkthrough

Line by line vs plan and prior periods, variances flagged.

Margin & EBITDA trends

12-month trajectory with the drivers called out.

Treasury & runway

Cash movement, position and runway under current burn.

KPI dashboard

Your headline metrics, consistent month to month.

Recommendations

What to do next — held for your sign-off before any action.

How to commission it

One sprint to live. From £1,000.

01
Brief it in

A short form scopes the work and sets the price up front.

02
Review together

We confirm scope, sources and your rules before building.

03
Build & deploy

Built and live in a single fixed sprint.

04
It improves

A subscription keeps it running and getting better.

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