Integrated Three-Statement Planning & Financial Model for Business Success

Gain full transparency across your business planning

Link your income statement, balance sheet and cash flow statement in one unified 3-statement financial model
Create transparency across P&L, balance sheet and cash flows with a connected statement model for accurate planning and forecasting
Strengthen control with analytics that highlight profitability, liquidity and overall financial performance
Make faster decisions with rolling forecast insights showing how changes in one statement impact the others
Improve efficiency by integrating all parts of the model, helping you build a model that supports better overall financial outcomes

Get in touch with us today

Radial Consulting known from:

Why Integrated Three-Statement Planning Matters

An integrated three-statement model links the income statement, balance sheet and cash flow statement into one cohesive financial model. This unified view across the three financial statements improves clarity on profitability, liquidity and your overall financial position. By working from one source of accurate financial data, teams make faster decisions and understand instantly how changes in one statement impact cash flows, equity, working capital and net income.

Unified Financial Overview

Combine your income statement, balance sheet and cash flow statement into one integrated financial model that connects all three statements and shows how revenue growth, cash flows, profitability and liquidity interact. This unified view strengthens your financial position and supports more accurate financial forecasting updates.

Data-driven Planning

Use a driver-based process that keeps your financial model flexible and updated as assumptions change, ensuring accurate forecast outcomes across all three statements. This integrated approach helps you see how income statement, balance sheet and cash flow statement dynamics affect cash flows, profitability and overall financial performance in real time.

Transparent Financial Management

Track cash flows, operating expenses and key financial statement metrics with full transparency across all three statements. An integrated financial model strengthens risk management, improves clarity on liquidity, profitability and financial position, and ensures consistency across departments.

Analytics for Management and Stakeholders

Get dashboard-ready insights that combine scenario planning, variance analysis and financial analysis across all three statements. This integrated view helps leaders spot risks early, understand financial outcomes and evaluate how changes in one statement affect cash flows, profitability and overall financial health.

Collaborative and Strategic Planning Approach

Align teams through a shared financial model that connects strategic planning, operations and finance across all 3 statements. Common drivers and KPIs improve forecast accuracy, support consistent financial reporting, and create actionable insights for better financial performance.

Continuous Improvement for Performance

Your integrated financial model evolves with new assumptions, historical data and updated actuals, ensuring more accurate forecast results across all 3-statement financial models. This continuous process strengthens financial performance, supports better decisions and keeps Your planning aligned with real-world conditions.

Schedule a free initial consultation

Dynamic, Systematic Financial Planning

A tailored financial model that connects your income statement, balance sheet and cash flow statement into a unified three-statement structure
A driver-based process for precise budgeting and forecast accuracy across all three statements, including cash flows and operational insights
Scenario and sensitivity analysis to test financial scenarios, external risks and their impact on profitability, liquidity and cash flows
Variance and scenario packages for leaders and financial analysts, improving clarity on financial performance and financial outcomes
Continuous monitoring of liquidity, covenants and key financial metrics within a single financial model
Full documentation of assumptions, historical financial inputs, calculation steps and financial data for transparency and auditability
Seamless Excel and excel plugin integration, plus optional Power BI dashboards, for real-time financial reporting across all three statements
Predefined templates and a structured handover that accelerate updates and support a sustainable three-statement planning process

Who We Support With Our 3-Statement Model

Our integrated three-statement solutions are built for companies that want to align the income statement, balance sheet and cash flow statement within one consistent financial model.

Mid-sized companies seeking better forecast accuracy, clearer cash flows and more transparent planning across all three statements
Private-equity-backed or founder-led businesses scaling budgeting, scenario testing and cross-functional decision-making
CFOs, finance teams and financial analysts looking for a structured, automated three-statement framework that supports reliable planning
Clients in Germany and the U.S. benefiting from a unified setup that connects three financial statements with operational drivers

A Structured, Step-by-Step Approach to Integrated Financial Planning

The duration of each project depends on its individual scope and requirements and therefore cannot be generalized. The timeline below serves as an example to illustrate our approach and provide a better understanding of the typical phases. Your specific project schedule will be predefined together during the initial planning stage.

An integrated financial model develops step by step by linking the income statement, balance sheet and cash flow statement into one aligned three-statement process. Within only a few weeks, you receive a fully functional planning setup with clearer cash flows, better forecast accuracy and transparent assumptions across all three statements.

Week 0 to 1:

Initial review of historical financial inputs, scope definition and workshops to align revenue, working capital, capital expenditure and other income statement data.

Week 1 to 2:

Model setup and data integration that connects all three financial statements; drivers established for budgeting, cash flows, net income, liquidity and interest expense.

Week 2 to 3:

Scenario planning and variance testing to assess risks and see how changes in one statement influence equity, liability, cash flows and overall outcomes.

Week 3 to 4:

Delivery of the final three-statement setup, full documentation, and training to operate, update and extend the financial model independently.

Get in touch with us today

Future-Ready Cash Flow Statement and Forecasts

A modern financial model must fully integrate the income statement, balance sheet and cash flow statement to stay adaptable as assumptions and historical data change. This structure strengthens visibility on cash flows, liquidity, profitability and long-term planning, while supporting more accurate forecast updates. With Radial, your three-statement setup becomes a strategic tool that improves clarity and enables confident decisions.

Schedule an appointment

A Technical Foundation for Confident Decision-Making

Our integrated financial model uses stable planning technologies that connect the income statement, balance sheet and cash flow statement into one dynamic three-statement structure. Real-time updates, secure data integration and interactive dashboards help You analyze cash flows, profitability, liquidity and other key metrics with clarity. Transparent documentation ensures auditability, consistent assumptions and full traceability across all three statements.

Seamlessly integrated Excel and Power BI dashboards with version control fully connected to all underlying data sources and easily customizable for your specific financial planning needs
Secure data access and integration with your software stack for fast, real-time updates
Interactive dashboard analytics for multiple user groups and stakeholders, enabling informed decisions and measurable financial outcomes
Transparent documentation of all financial data, assumptions, and planning areas, ensuring auditability and consistency across departments

Our integrated business planning (IBP) setup creates a unified data foundation for budgeting and forecasting, investment planning, and supply chain visibility helping you optimise processes and maintain control even under dynamic conditions.

Why Radial?

Big Four–level financial and operational expertise, combined with the speed and flexibility of a boutique advisory firm
Led by financial leaders and financial advisors with deep experience in integrated financial planning, FP&A, and strategic business transformation
Data-driven delivery model using dashboards, planning tools, and governance frameworks that put your company’s financial performance directly in your hands
Collaborative, proactive communication and clearly defined responsibilities ensure every week produces actionable results

Let Your Numbers Work for You

If you are still managing your planning manually, connecting the income statement, balance sheet and cash flow statement becomes time-consuming and error-prone. Radial helps you automate these links in one integrated financial model, improving cash flows, clarity and forecast accuracy across all three statements.

This structure frees your finance team to focus on decisions instead of spreadsheets.

Get in touch with us today and tell us what you need.

These companies already rely on our expertise:

Frequently Asked Questions

What is an integrated 3-Statement financial model?

It’s a connected 3-statement financial model that links the income statement, balance sheet and cash flow statement into one advanced financial model. This structure provides accurate forecast results and shows how changes in one statement affect cash flows, net income, equity and liquidity across all three statements.

What is the advantage compared to traditional annual plans?

Unlike static yearly budgets, an integrated planning model links all key data into one cohesive system. You can instantly see how changes in revenue, costs, or balance sheet items affect cash flow and liquidity.

It supports rolling forecasts, scenario testing, and variance analysis, allowing you to identify trends early, assess risks, and make confident decisions.

You work with clear KPIs that connect planning, reporting, and analysis creating a reliable foundation for fast, data-driven decision-making across your organization.

What differentiates Radial from traditional budgeting approaches?

We treat planning as a management tool, fully integrating P&L, cash flow, and balance sheet.

Which business models do you cover?

We support a wide range of industries including manufacturing and engineering, SaaS, project-based businesses, e-commerce, and consumer and industrial goods. All drivers and KPIs are customized to fit your specific business model.

What data and systems do you work with?

We integrate relevant data from ERP, CRM, payroll, and BI systems. You’ll receive clear templates and a connected setup for monthly updates and reconciliations.

Will our team be trained on the three-statement model?

Yes. We provide training, full documentation, and a structured handover so your team can independently operate, update, and expand the financial model.

Do you also design reporting packages for boards and banks?

Absolutely. We create reporting packages tailored for executive teams, boards, and lenders, ensuring everyone works from the same reliable data and insights.

What our customers say

Radial has helped us make great strides in our efforts to digitize financial reporting and increase transparency. I look forward to the next steps, in which we will once again be relying on Radial for support.

Thorsten Preiss, DETAX GmbH

Three-Statement Financial Models That Create Real Business Value

An integrated financial model aligns the income statement, balance sheet and cash flow statement to give you a unified view of your company’s financial position. By connecting all three statements, you gain clearer cash flows, better forecast accuracy and stronger decision-making. With Radial, planning becomes a strategic tool built for transparency, agility and long-term success.

Schedule a free initial consultation