Does the thought of tackling your business numbers make you want to run back to your dreamworld !

Below The Line Finance Transform Entrepreneurs Into Financial Success Stories

Are you a mission-led founder feeling overwhelmed by finances?

Let us guide you.

Imagine a strategy that secures the funding you deserve, builds a strong financial foundation, and makes you feel safe with money while enhancing cash flow and fuelling your creative potential.

Ready to amplify your impact?

Explore how our Fractional CFO, Accountancy, Business Advisory and Money Mentoring Services can help you

Book A Call Today

Our Mission

We empower purpose-led founders to turn their visions into reality, building truly sustainable businesses, that make a significant impact on the world.

We champion ethical profits and wealth for good, that fuels your creativity and brings joy to your journey!

From Vision to Profit

Transform ideas into profits with our compassionate, expert guidance.

Future-Proof Your Business

Strategic foresight for sustainability and resilience.

Dream Big, Impact Bigger

Drive change and redefine entrepreneurship.

Human-Centric Financial Guidance with Mini CFO™

How we do this

Finance For The New Era

Join us in reimagining capitalism, experience finance redefined for empathetic, revolutionary business leadership where finance fuels transformative change for a positive future.

Commercial Insights

Tailored strategies for entrepreneurial success.

Passion for Innovation

Challenging the status quo with new solutions.

Trauma-Informed Approach

Sensitive navigation of the emotional side of finances

Meet Harriet – Your New CFO

Harriet Formby MA ACA

Founder of Below The Line Finance | Fractional CFO | Chartered Accountant | Business Mentor

“First and foremost, I believe that business founders are wonderful and unique humans each with their own experiences and narratives around money that are carried into the entrepreneurial adventure.

I’m here to transform finances from feeling like a frustrating barrier into a powerful amplifier of your success.

Whether we’re building strong financial foundations, tackling cash flow challenges, or refining your business model, I offer practical, strategic and highly empathic financial expertise every step of the way.

Together, we’ll develop real-world solutions and sustainable strategies, making the complexities of finance less daunting and more empowering.

Let’s turn business numbers into valuable tools for growth and impact that fuel your creativity and bring stability”

✨ Pick Your Business Playground ✨

🌟What People Say 🌟

This really exceeded my expectations!

The session was really varied and covered a lot more than I was expecting.

It was great to talk through my existing revenue streams, and how to make them work harder, and help me get a better work life balance. The way that you reframed my existing product / service offerings and how I can create more opportunities from them, which I had been overthinking.

I thought your prompt follow up and detailed notes from our session were really comprehensive and helpful. I really like all the additional support and tools that you offer as well.

Harriet's approach was brilliant, she really took time with me to help me break everything down and see things from a different perspective.

Having her expertise, and seeing how everything added up on a spreadsheet was really useful. Harriet took her time, to listen to me, and help me break everything down in ways that I hadn't thought about.

Not only did Harriet help with my finances, but it also gave me more confidence in my services and offering.

Thanks so much for working with me on my pricing Harriet- you gave me some great insight into ways of looking at things I hadn't thought of as well as lots of practical advice which I wouldn't not have done without speaking to you.

I really liked how you got me to think about the business and my rates in a different way to usual and thinking about considering everything I do in my business not just the main service. You helped me to see that what I offer is more than just the (tangibles) and therefore I need to price and value accordingly.

I've thought about our session lots since and have formulated a new plan going forward with my pricing!

We had been struggling to source these sorts of services internally or with our existing accountant. If you are business looking for CFO support, Harriet is productive, collaborative, and has really useful ideas.

I sleep better at night knowing we now have our cashflow under control and a profitable budget in place thanks to Harriet. I wish I'd started working with her sooner!

SCHEDULE A COMPLIMENTARY CALL WITH HARRIET TODAY!

Harriet offers a no pressure chat, to get to know each other, delve into your business, discuss any current challenges you’re facing, and explore your goals and aspirations.

These calls are ideal whether you already have a clear idea of your needs or want to scope it out together and get a taster of our style.

I’m excited to connect with you and learn more about your journey! 💖

ONE-OFF 'POWER HOUR STYLE' FINANCE CONSULTATION

Book an Advice Consultation and Achieve Financial Peace of Mind in 90 Minutes!

If you’re looking for a one-off bit of advice to solve your queries and help you feel better about your business numbers, our ‘Power Hour’ style consultations are here to assist you.

During this focused and dynamic 90-minute session, we’ll address your specific questions and concerns, empowering you to move from confusion to financial peace of mind, going away with a clear plan of action.

£330 (£275 plus VAT)

EXPLORE OUR RESOURCES

Take Our Finance MOT

Find out how well you’re really doing with the finance fundamentals

(and receive some tailored guidance)

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Top 10 FAQs : 2. How should I manage my finances each month as a business owner?

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Advisor & mentor for mission-led business
Retainers 🌿One-off sessions🌿Coaching🌿
Sustainable profits for micro to £M+
@cfo_voicenotes @getnumbersavvy

Why can’t we listen to our mate down the pub? 🤔

I’ve been attending the ICAEW Personal Financial Planning Conference Friday and the themes have got me thinking about trust, reflecting on wealth norms and questioning EVERYTHING and its fascination through the lens of Trauma of Money 💡🔥

Because we’re often told that financial and accounting advice should only come from experts - the ones with the titles and polished offices.

And they say: Don’t listen to your mate down the pub - what do they know? 👀

But the truth is, the most meaningful conversations about money and business originate amoung the people we trust the most - perhaps that’s those who share our lived experience, our culture, and our local knowledge.

Whether it’s a friend, family member, or someone in your community, their perspective can resonate more deeply than advice from someone who doesn’t know you - because they get it and they’ve been there.

And these conversations can often contain highly relevant and valid wisdom, experience and ideas!

They plant the seed and take us in a new and brighter direction🌱

Let’s not forget that throughout history, people have been let down by institutions and rouges that don’t have their best interests at heart - large systems often prioritise profit to distant beneficiaries over doing the right thing.

They’re also inherently vulnerable to failure (hello boom and bust) and only available to those who meet the ‘right’ criteria.

Communities, time and time again, have shown incredible resilience by self-organising when institutions failed or excluded by taking care of their people.

Whether it was forming mutual aid societies, credit unions, or informal savings groups, communities have always found ways to build collective strength when institutions fall short.

Of course, to take the next steps, you do likely need to involve a professional - in the UK, a Chartered Accountant or IFA to build a solid strategy and help you go smoothly, sustainably with safeguards.

But there is a real danger when we scoff at talking finance with ‘your mate down the pub’. As we disregard incredibly valuable and eye opening initial conversations.

Cont. in comments…

When it comes to saving for retirement, a common o

Incredible Northern Lights in Somerset! Gathering

If you’ve ever struggled with integrating the ‘logical finance stuff’ into your business this one’s for you!

I’m excited to share that my guest episode on The 10th House Astrology Podcast just went live! 🎙️✨

In this episode, we explore the connection between astrology, creativity, intuition, and the logical world of business finance ⚖️

Marissa Fontana 🪐 and I had an insightful conversation about my journey as a chartered accountant from existing in the corporate end of finance to supporting creative and spiritual entrepreneurs.

We explore how intuitive practices and a trauma-informed approach to money (shout out to @traumaofmoney ) can make finances more approachable and empowering for mission-driven business founders, turning ideas into successful ventures that are a joy to run.

If you're a spiritual entrepreneur looking for a new way to think about the money side of your business, give it a listen!

I’ve popped the 🔗 in the usual place

I’d love to hear your thoughts 🌟

And if you're wondering how I integrated astrology and spirituality in the foundations of my business - check out the Conscious Business Design Mastermind created by @nataliakomis

Okay, confession time: usually, these games make m

🍂 **Happy Autumn Equinox!** 🍂 On a gloriou

What Does ‘Below The Line’ Really Mean? In fi $What Does ‘Below The Line’ Really Mean? In finance and business, the term ‘Below The Line’ is commonly used when discussing the treatment and placement of costs in Profit & Loss (P&L) reports. It’s a term often thrown around in the corporate world, particularly in financial statements relating to profits and share holder return. But for me, it has a deeper, more profound meaning. Because for an impact driven venture - real magic happens below the line. It’s where the heart and soul of a conscious business owner’s ‘why’ resides. It’s the purpose, the mission, the reason ‘why’ behind what you do. While the ‘Above The Line’ aspects—like sales and gross profits—are important, they are the fuel for what happens ‘below’. This is where the purpose of your venture takes shape. It’s where you, as a business owner, can align your profit to do good for people and the planet. Depicted below in one of my sketches from the early days of Below The Line Finance: Chartered Accountants & Business Advisors showing this Profit, People, Planet: Purpose-Driven Approach Because ‘Below The Line’ isn’t just about the money —it’s about: 🌿Why does your business exist? 🌿What value are you creating? 🌿How does it sustain your journey? 🌿 The discovery of doing this in alignment with your truth Through my work as a fractional CFO and business mentor my goal is to empower businesses who wish to deeply align profit with purpose. Seeing beyond the numbers to create a venture where profit serves something bigger than you Where the success of a company is built on clear purpose and meaningful impact. What does ‘below the line’ evoke for you?$

What else has been going on over the summer? A lit

How to Tell if the Money in Your Business Bank Acc

Why You’re Not Just Terrible With Numbers 👏

The Power Of A Pep Talk 🔥

In This Episode:

⚡️ I introduce Voice Notes from Your CFO Bestie and explain the purpose behind the podcast.

⚡️We explore about the emotional side of finances and how sometimes all you need is a pep talk to feel more confident and in control.

⚡️I share why short, bite-sized episodes are perfect for busy business owners and entrepreneurs who need practical, relatable financial insights on the go.

In case you’ve not heard I have just launched a podcast especially for small business owners, founders and entrepreneurs looking to make peace with their finances and have a lot of fun, impact and creativity.

Delivered through money chats, pep talks and financial know how that’s practical, relatable and actually feels good 🙌

Just like receiving a voice note from your cfo bestie! 🥰

You can listen to ‘Voice Notes With Your CFO Bestie’ by searching on Spotify, Apple Podcasts or by visiting the podcast home page.

All links to tune in are on the dedicated podcast insta page @cfo_voicenotes (will be sharing to my @belowthelinefinance and @getnumbersavvy grid for a short time, then all updates and latest episodes will be over there)

You can also submit your very own question there by using the Google form and Harriet will ‘voice note you back’ on a future episode! 🗣️

AND WE’RE LIVE 🎉 So incredibly excited to in

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Does the thought of tackling your business numbers make you want to run back to your dreamworld !

Below The Line Finance Transform Entrepreneurs Into Financial Success Stories

Are you a mission-led founder feeling overwhelmed by finances?

Let us guide you.

Our Mission

We empower purpose-led founders to turn their visions into reality, building truly sustainable businesses, that make a significant impact on the world.

We champion ethical profits and wealth for good, that fuels your creativity and brings joy to your journey!

From Vision to Profit

Future-Proof Your Business

Dream Big, Impact Bigger

Human-Centric Financial Guidance with Mini CFO™

How we do this

Fractional CFO Packages

Consultancy & Outsourced Projects

Get Number Savvy Platform

Finance For The New Era

Join us in reimagining capitalism, experience finance redefined for empathetic, revolutionary business leadership where finance fuels transformative change for a positive future.

Commercial Insights

Passion for Innovation

Trauma-Informed Approach

Meet Harriet – Your New CFO

ICAEW CHARTERED ACCOUNTANT

POST GRAD BUSINESS STRATEGIST

LEVEL 7 EXECUTIVE BUSINESS MENTOR

TRAUMA OF MONEY™ CERTIFIED

“First and foremost, I believe that business founders are wonderful and unique humans each with their own experiences and narratives around money that are carried into the entrepreneurial adventure.

I’m here to transform finances from feeling like a frustrating barrier into a powerful amplifier of your success.

Whether we’re building strong financial foundations, tackling cash flow challenges, or refining your business model, I offer practical, strategic and highly empathic financial expertise every step of the way.

Together, we’ll develop real-world solutions and sustainable strategies, making the complexities of finance less daunting and more empowering.

Let’s turn business numbers into valuable tools for growth and impact that fuel your creativity and bring stability”

✨ Pick Your Business Playground ✨

Start Ups

Limited Companies

Soletraders

Not For Profits

Professionals

Larger Organisations

🌟What People Say 🌟

Save Time

Feel More Peace & Clarity

Spark More Joy

SCHEDULE A COMPLIMENTARY CALL WITH HARRIET TODAY!

ONE-OFF 'POWER HOUR STYLE' FINANCE CONSULTATION

Book an Advice Consultation and Achieve Financial Peace of Mind in 90 Minutes!

EXPLORE OUR RESOURCES

Free Community

Get Number Savvy Training​

Neurodiversity Research Study

Take Our Finance MOT

Find out how well you’re really doing with the finance fundamentals

(and receive some tailored guidance)

Friendly Finance Blog

✨ Because businesses big and small, need a solid finances to succeed!! ✨

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We are a registered ICAEW Chartered Accountancy Practice based in rural Somerset, England

Below The Line Finance is a trading name of Formby Forensic Services Limited ‘Formby Forensics’.

Company number: 10531929. VAT number 258514292.

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