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Financial Modelling Tool for Bakery Businesses

Running a bakery takes more than just creating amazing pastries. As a business owner, you need to understand how your income and expenditure streams impact your overall finances. This means knowing how much your ingredients cost, how much your staff cost, and so on. Brixx gives your bakery business the financial modelling tools it needs to anticipate cash flow, plan for busy periods, and make confident decisions about the future.

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Model your bakery business in Brixx - see how quickly your finances can make sense!

We are working on creating this template in Brixx. Although it isn’t available just yet, you can follow the guidance below to help get started. If you need any further assistance, don’t hesitate to get in touch – we’re here to help!

Project Setup

Project name: The Chocolate Pot Bakery
Time period: Monthly (ideal for tracking daily sales, ingredient costs, and seasonal demand)

Income Components

Component: Retail Sales
- Sub-components:
  - Fresh Bread Sales -2,000 loaves/month × £3 each = £6,000
  - Pastry & Cake Sales – 3,000 items/month × £2.50 each = £7,500
  - Sandwiches & Savouries – 1,200 items/month × £4 each = £4,800
  - Hot & Cold Drinks – 1,500 drinks/month × £2.50 each = £3,750

Component: Wholesale Orders
- Sub-components:
  - Local Cafés & Restaurants – £2,500/month (bulk bread supply)
  - Supermarket or Farm Shop Partnership – £3,000/month

Component: Special Orders & Events
- Sub-components:
  - Custom Cakes (weddings, birthdays) – £250 average × 5 orders/month = £1,250
  - Catering Orders (corporate & local events) – £500 × 4/month = £2,000

Component: Other Income
- Sub-components:
  - Baking Classes – £40/person × 20 students/month = £800
  - Merchandise (branded mugs, tote bags, etc.) – £400/month

Expenditure Components

Component: Cost of Goods Sold (COGS)
- Sub-components:
  - Flour, Sugar, Butter, Yeast, etc. – £4,000/month
  - Packaging & Consumables – £500/month
  - Coffee Beans & Milk (for drinks) – £600/month
  - Ingredients for Custom Cakes – £300/month

Component: Staffing Costs
- Sub-components:
  - Bakers (2 staff) – £5,000/month
  - Counter & Café Staff (3 part-time) – £3,000/month
  - Manager – £2,500/month
  - Employer Contributions (NI/Pension) – £1,200/month

Component: Operational Costs
- Sub-components:
  - Rent – £2,000/month
  - Utilities (electricity, water, gas) – £800/month
  - Waste Removal & Cleaning – £200/month
  - Equipment Maintenance – £250/month
  - Delivery & Transport (van fuel, insurance) – £400/month

Component: Administrative Costs
- Sub-components:
  - Marketing & Advertising (social media, local print) – £300/month
  - Accounting Fees – £1,800/year = £150/month
  - POS System Subscription – £100/month
  - Website & E-commerce – £50/month

Asset Components

Component: Fixed Assets
- Sub-components:
  - Baking Equipment (ovens, mixers, fridges) – £25,000 (5-year depreciation)
  - Shop Fit-Out (counters, seating, décor) – £15,000 (10-year depreciation)
  - Delivery Van – £10,000 (5-year depreciation)
  - IT Equipment (tills, laptop) – £2,000 (3-year depreciation)

Component: Current Assets
- Sub-components:
  - Ingredient Stock – £5,000 average value
  - Cash Reserves – £10,000
  - Accounts Receivable (wholesale clients) – £3,000

Funding Components

Component: Equity/Investment
- Sub-components:
  - Owner Investment – £30,000

Component: Business Loans
- Sub-components:
  - Equipment Loan – £20,000 at 5% interest, 4-year term = ~£460/month repayment
  - Start-Up Loan – £10,000 at 6% interest, 3-year term = ~£304/month repayment

Component: Future Funding (Optional)
- Sub-components:
  - Expansion Loan (second shop) – £25,000 (modelled in Year 3)

Scenario Planning in Brixx

Seasonality
- Model increased sales (+30%) at Christmas and Easter vs. quieter January (-20%).

Ingredient Price Increases
- Test impact of +10% cost rise in flour and butter.

Wholesale Growth
- Add new wholesale clients to project sales growth over 12 months.

Staff Expansion
- Add a junior baker in Year 2, salary £1,800/month.

Equipment Replacement
- Add one-time capital expense for new oven in Year 4 (£8,000).

Dashboard & Reporting

Cash Flow Report
- Tracks daily sales vs. ingredient costs, with clear peaks during festive periods.

Balance Sheet
- Displays equipment depreciation and loan repayments over time.

Profit & Loss Statement
- Breaks down income by retail, wholesale, and special orders to show profitability mix.

Custom KPIs
- Gross Profit Margin per Product Type (bread, cakes, drinks)
- Average Transaction Value
- Waste % of Ingredients
- Labour Cost as % of Sales

Start forecasting today in Brixx

Who can use this Brixx template?

Bakery owners
Artisan and small-batch bakeries
Café/bakery businesses

Brixx is a great tool for:

Anyone responsible for forecasting sales, managing costs, or planning production
Bakery owners, managers, or accountants overseeing budgeting, staffing, and inventory
Businesses looking to evaluate expansion plans, menu changes, or new product lines

What are the benefits for bakeries?

A template shaped for food businesses, covering ingredient costs, daily sales, labour, and overheads
Model multiple revenue streams, including retail sales, wholesale, custom orders, catering, and seasonal products
Track key costs like ingredients, utilities and packaging
Quickly test scenarios such as adjusting prices, adding new pastries, or opening additional locations
Use clear dashboards and visuals to understand profitability across different product lines

Strategic forecasting in Brixx

Predict how seasonal peaks (holidays, weekends, events) affect sales and staffing needs
Model the financial impact of offering new products or promotions
Plan for equipment purchases, replacements, or production-line upgrades
Forecast ingredient costs, wastage, and supplier changes
Evaluate cash flow requirements for hiring, expanding production, or launching a new branch

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“We needed a better tool for forecasting and Brixx is lightyears ahead of spreadsheet modelling.”

Berwyn, Accware

Strengthen your bakery’s financial planning with Brixx - the financial forecasting tool designed to bring clarity to your business

From managing fluctuating ingredient prices to planning production and staffing, bakeries face unique operational and financial challenges. Brixx helps your business map out the future so you can make confident choices.

By modelling different scenarios, from new recipes to expanded services, Brixx gives you a clearer understanding of your risks and your opportunities. With more than two decades of experience in financial modelling, Brixx offers bakeries a reliable, user-friendly way to plan ahead.

Start using Brixx today and build a more resilient and profitable future for your bakery.

Financial Forecast Software for Bakeries

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