Oxbridge Global Group
‹ Portal  ·  Consolidated Budget Portal · FY23–FY29  ·  Sign out
● Budget ○ Actuals — Connect Xero

Budget vs Actual

Your budget set beside live Xero actuals. Choose an entity, then either focus on a single year or see the whole horizon to March 2029 on one screen. Budget Actual

Budget v Actual

Pick P&L lines — tap any combination:
Status dotson / ahead of pacewithin 20%more than 20% behind— vs expected pace (full-year budget for a completed year; budget-to-date for the year in progress). Sales & profit: higher is better. Costs & expenses: lower is better.
Budget is the workbook plan; actuals are live from Xero (BV translated €→£). FY27 actual is year-to-date — only ~2 months in, and sales are seasonal, so treat YTD against a full year as indicative. The most reliable budget-vs-actual comparisons are Total Income and Net Profit.
* Intercompany sales were recorded as a manual consolidation adjustment until February 2026, when Xero began posting them to dedicated intercompany accounts. FY26 actuals therefore reflect only the post-implementation period and understate full-year intercompany activity. The external/intercompany split is affected; total income, gross profit and net profit are not.

Group Overview

Headline consolidated metrics, net of intercompany. Forecast years (FY27–FY29) respond live to the Control Panel levers — including the working-capital days that flow through to net debt and bank interest. Budget

Net Profit After Tax — trajectory

solid = scenario · dashed = workbook baseline
ScenarioBaseline (workbook)

Revenue & EBITDA by year

£ · net of intercompany
External revenueEBITDA

Consolidated Profit & Loss

Full consolidated P&L, FY23–FY29. Forecast columns are shaded and show the live scenario; a small delta versus the workbook baseline appears whenever a lever is moved.

Profit & Loss — £ Sterling

Baseline

Consolidated Balance Sheet

Year-end position (31 March). Stock, debtors, creditors and net borrowing flex with the working-capital day levers and sales growth — the same chain the workbook uses (stock ∝ COGS × stock-days, debtors ∝ sales × debtor-days, creditors ∝ COGS × creditor-days).

Balance Sheet — FY-end snapshots

Baseline

Consolidated Cash Flow

Annualised cash flow summary. Shown at workbook baseline; the live what-if engine drives the P&L and balance sheet (and therefore net debt & interest) — cash-flow re-statement is wired in Phase 3 alongside live actuals.

Cash Flow — annualised

£ · baseline
Cash flow is presented at the workbook baseline. EBITDA, interest and working-capital movements that the scenario engine computes are reflected in the Overview, P&L and Balance Sheet tabs.

Entity Drill-down

The three group entities. ARD International is the holding company; Oxbridge Associates Ltd trades in GBP; Oxbridge Associates BV trades in EUR, shown here translated to GBP at the Control exchange rate.

Oxbridge Associates Ltd

£ GBP

Forecast Drivers

The input tabs behind the forecast. Live drivers feed the engine directly — edit a salesperson's monthly target, the achievement rate, or a salary and the whole forecast recomputes, with the baseline preserved exactly. Covenants are shown against the latest measured position.

Salesperson Targets

monthly target × country split × 12 → annualised at achievement rate

Budget vs Actual — Live Xero

FY27 year-to-date vs budget

Year-to-date actuals against the full-year FY27 budget. The "straight-line pace" column is the share of the year elapsed, as a quick over/under-pace gauge — your sales are seasonal, so treat it as indicative. The budget and Xero classify the external vs intercompany split differently — the reliable comparisons are Total Income and Net Profit.

FY26 full year — budget vs actual

completed financial year

Balance sheet position — UK

High-level position from Xero. Detailed stock / debtors / creditors and a precise net-debt actual come through the full balance-sheet pull in the deployed integration.

About this snapshot & going live

These are live figures pulled directly from Xero for Oxbridge Associates Ltd (UK), snapshotted on 2 June 2026. ARD International and Oxbridge BV are separate Xero organisations — connect them and the consolidated budget-vs-actual fills in automatically.

To make the deployed portal refresh itself, it reuses your existing oxbridge-accounts Netlify proxy (OAuth already done for all three orgs).

Control Panel

Flex the budget assumptions and watch the forecast recompute. The summary on the right shows the live scenario for the selected forecast year against the workbook baseline. Live levers drive the engine; Ref levers are reference inputs the workbook does not flow into the forecast (see Model Notes).

Live scenario

Consolidated · selected forecast year

Model notes & fidelity

This portal's baseline reproduces the workbook to the pound (consolidated PBT FY27 £671,872 · FY28 £727,327 · FY29 £789,725). The what-if engine is an annual-grain, entity-aware reconstruction of the workbook's driver logic: sales growth is exact; UK (11.0%) and BV (10.2%) margins are applied separately; the BV contribution is translated at the FX lever; and the working-capital day levers flow through to net debt and bank interest. On the dominant lever (UK growth) the engine tracks the workbook recalc to within ~10% on the marginal change — the small residual is the dynamic profit→net-debt feedback that a static annual model approximates.

Some Control inputs are not connected to the forecast in the workbook itself. Where useful, this portal "completes" that wiring so the lever behaves intuitively; these are flagged below so you know where your Excel currently has gaps:

  • Cost of Sales % (C31/D31): the workbook hard-sets forecast gross margin (~11% UK / 10.2% BV) and only uses this lever for an FY26 bridge cell. Here it acts as a margin adjustment (raising CoS% lowers margin).
  • UK Freight % (C33) & Sales Commission (C36): not referenced by the forecast in the workbook. Wired here as cost ratios so they respond.
  • Margin to UK (D37) and Bonus (C44/D44): not connected in the workbook; shown as reference inputs only.
  • Intercompany %, VAT and Rent levers: reference inputs — material to the entity sheets but held at baseline in the consolidated what-if.
Oxbridge Associates Group · Consolidated Budget Portal · figures in GBP · baseline reproduces the FY27 group budget workbook · prepared for Andrew Dymond, Managing Director ·