Bookkeeping, Taxation & Banking
See the financial position, understand what needs attention and move safely from transaction to decision.
Caelomere brings bank activity, receipts, invoices, tax preparation, reconciliation and management insight into one place. The AI explains what it sees, how confident it is and what should happen next.
The current total cash visible across connected business accounts in this workspace.
Customer invoices not yet paid. This helps you see how much cash should arrive.
An estimated amount set aside for VAT and corporation-tax obligations. It is a planning figure until reviewed.
Transactions or documents where the AI is not confident enough to proceed automatically.
Financial Intelligence
You have strong cash today, but £31,600 of supplier commitments fall due within 14 days. Three overdue customer invoices account for most of the short-term cash-flow pressure. The system recommends chasing those first before considering discretionary spend.
These are unusual or urgent conditions that deserve attention before routine bookkeeping work.
Financial alerts
The platform never hides uncertainty. High-confidence routine items can be prepared quickly; lower-confidence items are routed to a person.
AI confidence today
Banking
Connected-account visibility, balances, movement and unusual activity.
Use this area to understand account balances and movement. The live production version should use secure Open Banking connections; no payment should be made without explicit authorised approval.
Operating Account
Tax Reserve
Client Receipts
Cash movement
Banking risks
Transactions
AI-assisted categorisation with visible confidence and human review.
A 98% match is very different from a 62% guess. The system makes that visible so uncertain transactions are checked before they affect the ledger.
| Date | Description | Amount | AI category | Confidence | Status | |
|---|---|---|---|---|---|---|
| 06 Sep | Adobe Systems | £59.99 | Software subscriptions | 98% | Prepared | |
| 06 Sep | Railway | £42.18 | Hosting / cloud services | 96% | Prepared | |
| 05 Sep | APEX SYS LTD | £1,280.00 | IT equipment | 68% | Review | |
| 05 Sep | HMRC VAT | £8,430.00 | VAT payment | 99% | Matched | |
| 04 Sep | UNKNOWN PAYEE 4817 | £742.50 | Unclassified | 41% | Human review |
Receipts & Document Capture
Extract supplier, date, VAT and value from images or PDFs and match them to transactions.
The system reads the receipt, extracts the important fields, checks for duplicates and tries to match it to a bank transaction. Low-confidence extraction remains in review.
Capture queue
Missing evidence
Invoices & Bills
See what customers owe, what the business owes and what needs action now.
Money due in is customer debt owed to the business. Money due out is supplier and other business commitments. The system should help prioritise both.
Money due in
Money due out
Reconciliation
Match bank activity to invoices, bills and ledger records with clear confidence.
It checks that the bank movement and the accounting record agree. High-confidence matches can be prepared quickly, but ambiguous matches stay in review.
| Bank item | Suggested match | Confidence | Reason | |
|---|---|---|---|---|
| £3,200 · YTT LTD | Invoice C-1051 | 99% | Exact value + customer reference | |
| £4,860 · CLOUDFLARE | Bill B-218 | 97% | Exact value + supplier | |
| £1,280 · APEX SYS LTD | Bill B-224? | 68% | Value close, supplier name inconsistent |
Cash Flow Intelligence
Understand the next 30, 60 and 90 days before cash pressure appears.
The forecast uses current balances, known invoices, bills and expected timing. It should show assumptions clearly and update as reality changes.
What is driving the forecast?
Next best financial actions
Taxation
Prepare VAT and corporation-tax information with explicit review controls.
Caelomere can organise records, calculate estimates and identify missing evidence. Tax treatment and filing remain subject to authorised human/accountant review.
Estimated VAT position based on the transactions and tax coding currently available. It is not filed automatically.
Planning reserve based on current profit assumptions. Final liability requires proper accounts and tax review.
VAT readiness
Tax calendar
Financial Reports
Management views that explain the numbers rather than just displaying them.
Profit & Loss
Income, direct costs, operating expenses and current profit movement.
Balance Sheet
Assets, liabilities and business equity at the reporting date.
Cash Flow
Operating, investing and financing movement plus forward forecast.
AI management explanation
Revenue is stable, but near-term cash pressure is being driven by overdue customer receipts and a cluster of supplier commitments. The operating position remains healthy if the top three receivables are collected within the next 14 days.
Business health
AI Finance Copilot
Ask the financial system questions in plain English and receive evidence-led answers with confidence and approval boundaries.
It may analyse, explain, classify, forecast and prepare actions. It must not silently make payments, file tax, alter bank details or commit uncertain accounting treatment.
Ask Caelomere Finance
AI result
Finance AI protection rules
Approval Queue
Human control for uncertain, sensitive or externally consequential financial actions.
Low-confidence categorisation, tax treatment, payment decisions, bank changes and filing actions should not silently proceed. They come here for a person to decide.
| Item | AI recommendation | Confidence | Why review? | |
|---|---|---|---|---|
| APEX SYS LTD · £1,280 | IT equipment | 68% | Supplier name mismatch | |
| UNKNOWN PAYEE · £742.50 | Do not categorise yet | 41% | New payee + no receipt | |
| VAT treatment · imported service | Possible reverse-charge treatment | 62% | Tax treatment requires review | |
| Supplier payment · £18,500 | Payment ready | 99% | External payment requires authorised approval |
Controls & Audit
See exactly what the AI can do, what needs approval and what has happened.
The guarantee is architectural: uncertain or high-impact actions are blocked behind controls, approvals and audit records instead of being trusted blindly.
Authority matrix
Failure behaviour
Audit trail preview
7-Day Internal Proving Cycle
Hit the service hard before any client relies on it.
We deliberately use duplicate transactions, bad receipts, wrong supplier names, missing evidence, contradictory tax coding, bank-feed gaps and low-confidence cases to make sure the system fails safely.