Management accounts that produce themselves every month
Fathom connects to Xero and turns your live financial data into automated management accounts, KPI dashboards, and cash flow forecasts — without anyone pulling them together.
['
40k+
Businesses using Fathom globally
', '
0hrs
Manual effort for monthly management accounts after implementation
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Xero
App Partner — featured in Xero App Marketplace
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3way
Forecasting: P&L, Balance Sheet, and Cash Flow together
']
What Is Fathom
A reporting layer that sits on top of Xero
Fathom is not an accounting tool. It is a management reporting tool that reads your Xero or QuickBooks data and presents it in a way that is genuinely useful for running a business.
📊
Automated management accounts
Connect Fathom to Xero and your monthly P&L, balance sheet, and cash flow statement produce themselves — formatted, accurate, and available the moment the month closes. No manual report building.
📈
KPI dashboards
Define the metrics that matter for your business and see them updated automatically. Revenue, margin, debtors days, cash position, headcount costs — all on one screen, always current.
💰
3-way cash flow forecasting
Fathom produces integrated P&L, balance sheet, and cash flow forecasts together — the only way to produce a forecast that is actually accurate. Rolling 12-month view updated automatically.
🏢
Group consolidation
Connect multiple Xero entities to Fathom and produce consolidated group accounts with intercompany eliminations. Essential for businesses with multiple legal entities or international operations.
📋
Board and investor reports
Export professional management packs in Fathom's report builder. Branded, structured, and ready to share with investors, directors, or lenders — without a finance team spending days building them.
📉
Budget vs actuals tracking
Import your budget into Fathom and track actual performance against it in real time throughout the month — not just at month end. Variances are highlighted automatically.
Why Fathom
Why Fathom is the right reporting tool for UK SMEs
Fathom has become the standard management reporting tool for UK SMEs on Xero. Here is what earns it that position.
G2
Leader — Business Intelligence and Analytics category
4.6/5
Average rating from verified users on G2 and Capterra
XeroAward
Xero App Partner of the Year — Reporting category
UK+AU
Founded in Australia, strong UK user base and partner network
Why it wins against Excel-based reporting: Excel management accounts require someone to build them, maintain the formulas, pull the data, and format the output every month. When that person is on holiday or leaves, the reports do not happen. Fathom produces the same output automatically, with no manual input, every month. The quality is higher and the cost is lower.
What You Can Do With It
Every reporting capability Fathom brings to your business
Fathom covers the full range of management reporting needs for a UK SME — from monthly P&L through to multi-entity group consolidation.
1
Monthly management accounts — automated
Once configured, Fathom produces your monthly P&L, balance sheet, and cash flow statement automatically as soon as transactions are coded in Xero. Formatted to your standards, with prior period comparisons and budget variances. No manual work.
Define up to 50 custom KPIs from your Xero data. Revenue per head, gross margin percentage, debtor days, cash runway — all tracked automatically and displayed on a live dashboard that updates as transactions come in.
Build a 3-way integrated forecast (P&L, balance sheet, cash flow) that updates automatically as actuals come in. See your projected cash position 3, 6, or 12 months ahead. Know about cash shortfalls before they happen.
Connect multiple Xero entities — UK entities, international subsidiaries, holding companies — and produce consolidated group accounts with automatic intercompany eliminations. No manual consolidation spreadsheet.
Group ConsolidationMulti-EntityIntercompany EliminationInternational
5
Budget vs actuals tracking
Import your annual budget into Fathom and compare it against actuals in real time throughout the year. Variances are highlighted automatically. Department heads can see their own performance against budget without accessing the main accounts.
Fathom provides industry benchmarking data that lets you compare your margins, growth rates, and ratios against comparable businesses. Understand whether your performance is strong or whether there is a structural issue.
Produce professional investor-ready management packs in Fathom's report builder. Charts, narrative, KPIs, and financials all in one branded document — exportable as PDF. Ideal for board meetings and investor updates.
Use Xero tracking categories to feed division or client-level data into Fathom. See gross margin, revenue, and costs broken down by whatever dimension matters most to your business.
What Fathom can do when connected to the right tools
Fathom reads data from Xero or QBO. The quality of that data depends on what is happening upstream. Here is how the full stack works together.
Fathom+Xero+ApprovalMax
Clean data producing accurate reports
ApprovalMax ensures every bill is correctly coded and approved before entering Xero. Fathom reads that clean, correctly categorised data. The reports are only accurate if the underlying data is right.
→ ['Clean data from controlled input to accurate output']
Fathom+Xero
Management accounts from live bookkeeping
The moment your bookkeeper reconciles transactions in Xero, Fathom updates. Management accounts reflect the current state of the business, not last month, not last quarter. Always current.
→ ['Real-time management reporting']
Fathom+Xero+Dext
Automated reporting from automated bookkeeping
Dext captures bills automatically and codes them to Xero. Fathom reads Xero and produces the management accounts. The full flow from supplier invoice to management report runs without manual input.
→ ['End-to-end automated finance reporting']
Fathom+Xero+Multiple entities
Group consolidation across legal entities
Multiple Xero entities feed into Fathom. Intercompany transactions are eliminated. The group P&L, balance sheet, and cash flow produce themselves every month.
→ ['Automated group consolidated accounts']
Who Benefits Most
Industries where Fathom delivers the most value
Fathom is relevant for any business where the owner needs to understand financial performance. These industries benefit most.
🏢
Professional Services
Track margin by client, service line, or team. See which clients are profitable and which are not — without waiting for year-end accounts.
Profitability by client and service
🎨
Marketing & Creative Agencies
Retainer vs project profitability, studio utilisation, account performance. Fathom shows agency owners which clients and service lines are making money.
Agency profitability visibility
🖥️
IT & Technology Services
MRR tracking, gross margin by product, headcount vs revenue ratios. Fast-growing tech businesses need Fathom to understand whether growth is profitable.
Growth and margin visibility
🏠
Property Management
Property-by-property performance, portfolio-level reporting, service charge tracking. Multiple Xero entities consolidated into one group view.
Portfolio-level reporting
🏥
Healthcare & Care
Site-by-site performance, occupancy ratios, staffing costs as a percentage of revenue. Fathom tracks the KPIs that matter in regulated care environments.
Multi-site care reporting
🏗️
Construction
Job costing visibility, overhead allocation, cash flow forecasting for project-based businesses with lumpy revenue cycles.
Project profitability and cash forecasting
How Fintelwise implements Fathom
The most common Fathom implementation gap is attempting to implement it before the Xero setup is correct. Fathom is only as good as the data it reads. If transactions are miscoded in Xero, the management accounts in Fathom will be wrong — formatted and automated, but wrong.
Every Fintelwise Fathom implementation starts with a review of the underlying Xero setup. Chart of accounts, tracking categories, and coding consistency must be correct before reporting is added on top.
Once the data layer is right, Fathom is configured to produce the specific reports the business owner actually needs — not generic templates. The Finance Systems Audit defines exactly what those reports should show, at what frequency, and to whom.
The result is management accounts that are available within 24 hours of month end, every month, without anyone spending time building them.
Frequently Asked Questions
Fathom — common questions answered
Fathom is a management reporting and business intelligence tool that connects to Xero and QuickBooks Online. It produces automated management accounts, KPI dashboards, cash flow forecasts, and group consolidated reports — pulling data directly from your accounting software.
Fathom connects to Xero via a direct API integration. Once connected, it reads your chart of accounts, transactions, and tracking category data in real time. Reports update automatically as transactions are coded in Xero — no manual data export or import required.
Yes. Fathom supports multi-entity consolidation, connecting multiple Xero organisations and producing a consolidated P&L, balance sheet, and cash flow with intercompany eliminations. It handles both UK-only and international multi-entity structures.
Yes. Fathom is designed to give business owners financial visibility without requiring a finance team to produce reports manually. Once configured correctly, reports produce themselves. The owner sees the information they need without anyone pulling it together.
3-way forecasting means producing an integrated P&L forecast, balance sheet forecast, and cash flow forecast that all link together and are internally consistent. This is the correct way to forecast — producing only a P&L forecast without the balance sheet and cash flow gives an incomplete and potentially misleading picture.
For a single-entity business with a well-configured Xero setup, Fathom can be configured and producing reports within one to two weeks. Multi-entity consolidation takes two to four weeks depending on the number of entities and the consistency of the underlying chart of accounts.
Ready to see your business performance in real time?
Book a free 30-minute scoping call. We will understand what financial visibility you need and show you what automated management reporting looks like for your specific business.
