Balance Sheet Template

Understand what your business owns, owes and has left.

Download a simple Balance Sheet Template to help organise assets, liabilities, equity and the financial position of your business at a point in time.

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Assets Liabilities Equity Financial position
What this template helps with

Use it to understand the business position, not just performance.

A Profit & Loss shows performance over time. A Balance Sheet shows what the business looks like at a specific point. This template helps you understand what is owned, owed and retained.

Assets Track what the business owns Record cash, bank balances, stock, equipment, money owed by customers and other assets.
Liabilities Track what the business owes Capture supplier balances, loans, VAT, tax, wages, credit cards and other amounts owed.
Equity See what is left in the business Understand retained profit, owner investment, drawings, dividends and shareholder funds more clearly.
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Balance Sheet Template for SMEs

This template is designed to help small business owners organise the financial position of the business in a clear, practical way. It is useful for reviewing what the business owns, what it owes, and whether the numbers make sense alongside bookkeeping and accounts.

  • Assets section for bank, stock, equipment and money owed to the business
  • Liabilities section for supplier balances, loans, VAT, tax and other amounts owed
  • Equity section for owner investment, retained profit and business value
  • Simple structure to check whether the balance sheet balances
  • Useful alongside bookkeeping, accounts, tax planning and funding conversations
Download Balance Sheet Template → Accounting Support →

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Important Balance Sheet guidance

This template is for planning and review. It does not replace bookkeeping, statutory accounts, year-end accounts, tax returns, management accounts or professional advice. Use it as a starting point to understand financial position more clearly.

How to use it

Review the business position at a point in time.

The Balance Sheet is a snapshot. It helps you understand the business position on a specific date.

Step 1 Enter current assets Add bank balances, money owed by customers, stock and other short-term assets.
Step 2 Add fixed assets Record equipment, vehicles, furniture, computers or other longer-term business assets.
Step 3 Record current liabilities Add supplier balances, VAT, PAYE, Corporation Tax, credit cards and short-term amounts owed.
Step 4 Add loans and long-term debts Record loans, finance agreements and other liabilities due over a longer period.
Step 5 Review equity Check retained profit, owner investment, drawings, dividends and what remains in the business.
Step 6 Check the balance Assets should equal liabilities plus equity. If not, the numbers need review.
Real business issue Profit does not show what is owed

A business can show profit but still owe VAT, tax, suppliers, loans or payroll costs. The Balance Sheet helps show what is sitting behind the business, not just what happened during the month.

Owner clarity Financial position supports stronger decisions

Understanding assets, liabilities and equity helps when planning funding, dividends, growth, tax payments, cash flow and year-end accounts.

Related resources

Templates and tools that work well with this.

Template Profit & Loss Template Understand income, costs and whether the business is making money. Open Template → Template Cash Flow Statement Template Understand money coming in, money going out and the real cash position. Open Template → Tool Corporation Tax Calculator Estimate company tax pressure once profit and balances are clearer. Open Calculator →

Need help understanding what your Balance Sheet really says?

The template gives you a starting point. A proper conversation helps you understand assets, liabilities, tax balances, owner drawings, retained profit and whether the business position is healthy.

Book a Real Talk Call → Explore Management Accounts →
The Balance Sheet shows what is sitting behind the business. It helps reveal what is owned, what is owed, what has been retained and what needs attention.
Balance Sheet Template FAQs

Quick questions before using the template.

No. A Profit & Loss statement shows performance over a period. A Balance Sheet shows financial position at a specific point in time.
It should show assets, liabilities and equity. In simple terms: what the business owns, what it owes and what is left in the business.
No. It is a planning resource. Proper bookkeeping and accounts are still needed for accurate records, tax, reporting and compliance.
Yes. BondEsq can help review bookkeeping, accounts, management reports, tax balances, liabilities, retained profit and wider financial position.
Use the template wisely

Download the template, then use the numbers to understand the business position.

Your Balance Sheet affects funding, dividends, tax planning, owner drawings, liabilities and business confidence. Use this template as a practical starting point.

Download Template → Book a Real Talk Call →