Brixx Competitive Analysis (SME FP&A + Housing Association Focus)¶
Date: 2026-02-18 (UTC)
Prepared for: Brixx market/competitor deep dive
Method: Extensive web_fetch on vendor pages, product/pricing pages, integration pages, and Trustpilot pages.
Important limitations:
- web_search is unavailable in this environment (missing Brave API key).
- G2 and Capterra pages are JS/Cloudflare-blocked from this environment, so those scores are marked N/A (blocked).
- Several vendors hide pricing behind sales forms / JS-rendered pages.
0) Baseline: Brixx (reference product)¶
Positioning¶
- Financial forecasting & modelling software for startups, SMEs, accountants, and larger businesses.
- Core emphasis: ease-of-use, 3-way financial outputs, scenario planning, timeline control, collaboration.
Pricing (from page source)¶
- £30/month (monthly mode shown)
- £24/month billed annually (20% saving)
- 7-day free trial (no card)
- Pricing page indicates ability to buy additional plans.
Key features (from Brixx pages)¶
- 10-year forecast window
- 3-way reporting (P&L, cash flow, balance sheet)
- Scenario/what-if analysis
- Dynamic timeline
- Reforecasting (actuals vs forecast)
- Automated reports (P&L, balance sheet, cash flow, tax, budget, actual vs forecast)
- Collaboration
- Xero sync
Integrations¶
- Xero (explicitly listed)
- No clear evidence of broad app marketplace connectors on fetched pages.
Review signal¶
- Trustpilot: 4.6/5 (“Excellent”)
1) Competitor-by-competitor review¶
1. Float (float.com)¶
Target market: Resource planning / scheduling teams (agencies, services); adjacent to financial planning.
Pricing (public):
- Starter: $7 per scheduled person/month
- Pro: $12 per scheduled person/month
- Enterprise: Contact sales
Core features: scheduling, capacity/time-off, project scoping, margin tracking, estimates vs planned/actual, reporting.
Integrations (from pricing/features table): Google Calendar, Outlook, Jira, Linear, Slack, Teamwork, Trello, Zapier, API.
Reviews: Trustpilot page exists but effectively no established score signal (new/insufficient review profile). G2/Capterra blocked.
Strengths: best-in-class resourcing workflow, broad PM integrations, strong utilization lens.
Weaknesses: not a true 3-statement FP&A engine for business planning/investor forecasting.
Does that Brixx doesn’t: deep people scheduling + operational capacity planning.
Brixx does that Float doesn’t: integrated business-financial model with explicit P&L/BS/CF business-plan-first framing.
2. Fathom (fathomhq.com)¶
Target market: SMBs and accounting firms (reporting, analysis, forecasting).
Pricing (public HTML source snippets):
- Portfolio: $62/mo (100 companies), $370/mo (300), $500/mo (unlimited)
- Pro firm plans seen in source: $390/mo + $39 per extra company, $540/mo + $17 extra, $860/mo + $15 extra
- Additional source snippets include $65/mo starter-like value (page structure is dynamic; packaging changed to Pro + Portfolio)
Core features: KPI analysis, management reporting, visuals, cash flow forecasting, portfolio oversight for firms.
Integrations: direct with QuickBooks, Xero, MYOB, plus Excel import for financial/non-financial data.
Reviews: Trustpilot presence weak (no meaningful score); G2/Capterra blocked.
Strengths: accountant-centric analytics/reporting, multi-client portfolio oversight.
Weaknesses: pricing/packaging complexity; less sector-specific depth for UK housing.
Does that Brixx doesn’t: strong accountant portfolio monitoring at scale.
Brixx does that Fathom doesn’t: simpler model-building UX and explicit long-term plan-centric flow for non-finance users.
3. Futrli (futrli.com; Futrli by Sage)¶
Target market: accountants/bookkeepers + SMEs, advisory-led forecasting/reporting.
Pricing (public page; multi-currency):
- Highly tiered by region and segment; notable UK snippets include:
- Starts from 1 license; additional clients from ~£35–£40/license
- Larger bundles (10/25/50 licenses) with lower per-additional-client rates (e.g., £23 / £17.60 / £12 in UK examples)
- Includes unlimited users, support, forecasting/reporting/scenario features.
Core features: daily cash flow forecasting, 3-way forecasting, reporting templates, budgeting/scenarios, performance insights.
Integrations: cloud accounting integrations (site references Sage ownership and cloud accounting sync; support text references integrations to accounting solutions).
Reviews: Trustpilot has active profile with mixed-positive qualitative reviews; exact top score not consistently surfaced in fetched truncated output. G2/Capterra blocked.
Strengths: accountant workflow fit, advisory enablement, strong reporting + forecast combo.
Weaknesses: UI/report-builder complexity noted by users; ticket resolution variability.
Does that Brixx doesn’t: heavier accountant practice enablement and client portfolio orientation.
Brixx does that Futrli doesn’t: cleaner planning-first experience for founder/operators, less service-heavy onboarding feel.
4. Spotlight Reporting (spotlightreporting.com)¶
Target market: accounting firms, advisory teams, franchises, NFPs, SME decision-makers.
Pricing (public):
- Basic plan moved $295 → $329/mo (UK £295 → £320/mo) effective Oct 2025
- Higher plan mentions include $495 / £495
- Enterprise-level mentions include $995
Core features: reporting, forecasting, dashboards, multi-entity consolidation, ESG reports, industry templates, advisory enablement.
Integrations: claims integration with leading accounting systems + non-financial sources (explicit mention of Xero integration and Google Analytics data).
Reviews: Trustpilot page exists but appears low/no review volume. G2/Capterra blocked.
Strengths: polished advisory/reporting stack, strong multi-entity and ESG options.
Weaknesses: can be premium-priced for small clients; some pages content-fragmented.
Does that Brixx doesn’t: stronger multi-entity advisory packaging + ESG reporting + benchmarking focus.
Brixx does that Spotlight doesn’t: lower-friction core business planning UX and simpler pricing entry point.
5. Calxa (calxa.com)¶
Target market: SMB to enterprise, advisors, NFPs; budgeting/reporting/consolidations.
Pricing (public; GBP examples):
- Premier1: £132/mo
- Premier5: £170/mo
- Premier50: £512/mo
- Premier100: £853/mo
- Premier200: £1,540/mo
- Add org: £14/mo
- Enterprise tenant: £900/mo + implementation (GBP equivalent shown)
Core features: cash flow forecasts, cost centre budgeting, consolidations, KPI dashboards, custom reports.
Integrations: Xero, QuickBooks Online, MYOB Business; ERP integrations including MYOB Acumatica, NetSuite, MS Business Central.
Reviews: G2/Capterra blocked; Trustpilot not established as major source for Calxa.
Strengths: very transparent scaling pricing, strong multi-org and ERP path.
Weaknesses: feature depth may require finance proficiency; UX not as founder-simple as Brixx.
Does that Brixx doesn’t: broader ERP and multi-org enterprise pathway.
Brixx does that Calxa doesn’t: simpler business-plan-first experience and lower cognitive load.
6. LivePlan (liveplan.com)¶
Target market: entrepreneurs/startups/small businesses; plan writing + forecasting + tracking.
Pricing:
- Page is dynamically rendered; source indicates standard/premium structure and promo prices.
- Source hints include $30/mo premium card, and promo examples ($10/$20 first month, $15/$30 for first 3 months), with annual savings markers.
- Exact current non-promotional public matrix should be re-validated in-browser.
Core features: plan builder, AI writing assistant, lender-ready outputs, 3 statements, what-if scenarios, dashboards, benchmark/sample plans.
Integrations: QuickBooks Online, Xero.
Reviews: Trustpilot 4.3/5 (Excellent). G2/Capterra blocked.
Strengths: best-in-class business-plan creation workflow for founders.
Weaknesses: less robust enterprise FP&A governance/consolidation.
Does that Brixx doesn’t: stronger written-plan/document generation and sample-plan ecosystem.
Brixx does that LivePlan doesn’t: stronger pure modelling flexibility in some scenarios and UK-centric finance planning narrative.
7. PlanGuru (planguru.com)¶
Target market: SMBs, nonprofits, advisors; budgeting/forecasting/analytics.
Pricing (public):
- Annual (paid annually):
- Single Entity $83/mo
- Single Entity + Analytics $166/mo
- Multi-Unit Consolidations $333/mo
- Monthly:
- Single Entity $99/mo
- Single Entity + Analytics $199/mo
- Multi-Unit Consolidations $399/mo
- Additional users: $25/mo annual plans, $29/mo monthly plans.
Core features: 3-way forecasting up to 10 years, 20+ methods, KPI/ratios, workforce planning, scenario analysis, consolidations, Excel add-in reporting.
Integrations: QuickBooks, QuickBooks Online, Xero, Excel import.
Reviews: Trustpilot 4.0/5 (small sample shown). G2/Capterra blocked.
Strengths: robust modelling depth at SMB price points; good for finance power users.
Weaknesses: steeper learning curve; less modern UX.
Does that Brixx doesn’t: deeper configurable forecasting methods and Excel-centric reporting extensions.
Brixx does that PlanGuru doesn’t: more approachable modern UX and easier collaboration-first flow.
8. Jirav (jirav.com)¶
Target market: accounting/CFO advisory firms and SMB FP&A teams.
Pricing (source snippets):
- Price range metadata: $100–$750/month
- Visible snippets include “Starting at $50/mo” and “Starting at $150/mo” (likely different contexts/editions).
- Public page is heavily dynamic; treat as directional unless reconfirmed in-browser.
Core features: reporting dashboards, 3-statement planning, industry templates, advisory workflows.
Integrations: stated accounting/payroll/operational integrations; specific list not fully extractable via fetch.
Reviews: Trustpilot 3.7/5 (Average). G2/Capterra blocked.
Strengths: advisory-first platform and template orientation.
Weaknesses: pricing transparency ambiguity and partial web content extraction.
Does that Brixx doesn’t: stronger partner/advisory service packaging.
Brixx does that Jirav doesn’t: simpler self-serve single-business planning experience.
9. Cube (cubesoftware.com)¶
Target market: mid-market FP&A teams, spreadsheet-native finance orgs.
Pricing: custom quote (no public tier prices).
Core features: FP&A platform for planning/reporting/analysis with spreadsheet familiarity.
Integrations: explicitly cites QuickBooks, Salesforce, NetSuite and other sources.
Reviews: G2/Capterra blocked; Trustpilot not primary signal.
Strengths: enterprise-ready FP&A with spreadsheet bridge.
Weaknesses: likely higher cost/complexity than SME owner-led planning tools.
Does that Brixx doesn’t: deeper enterprise FP&A controls and data-source breadth.
Brixx does that Cube doesn’t: lower-friction and lower-complexity onboarding for non-finance users.
10. Workday Adaptive Planning¶
Target market: SMB through enterprise (especially enterprise and upper mid-market).
Pricing: not publicly listed (sales-led).
Core features: budgeting/forecasting, scenario planning, workforce/operational planning, close/consolidation, AI-driven insights, analytics/reporting.
Integrations: claims integration with any ERP/GL and data sources, Excel connectivity.
Reviews: G2/Capterra blocked; Trustpilot not key source.
Strengths: enterprise scale, performance, planning breadth.
Weaknesses: implementation effort and cost/complexity for smaller buyers.
Does that Brixx doesn’t: enterprise-grade governance, consolidation, and cross-functional planning at scale.
Brixx does that Adaptive doesn’t: simplicity and affordability for SME founder-led planning.
11. Planful¶
Target market: mid-market and enterprise finance orgs.
Pricing: not public (demo/sales-led).
Core features: close/consolidation/planning/reporting; AI assistants/signals/projections; broad cross-functional planning.
Integrations: “thousands of connectors,” REST APIs, SFTP, warehouse + BI/Office integration narratives.
Reviews: G2/Capterra blocked; Trustpilot not primary source.
Strengths: deep FPM platform + broad integration fabric.
Weaknesses: overpowered for smaller/simple planning needs; likely higher TCO.
Does that Brixx doesn’t: enterprise data integration scale + close/consolidation depth.
Brixx does that Planful doesn’t: simple, fast startup/SME business modelling experience.
12. Anaplan¶
Target market: large enterprises with connected planning across functions.
Pricing: not public (contact sales).
Core features: AI-driven scenario planning/analysis, connected enterprise planning, real-time insights.
Integrations: platform emphasizes connecting enterprise data and plans (specific connector list not fetchable in this run).
Reviews: G2/Capterra blocked; Trustpilot not primary source.
Strengths: very strong enterprise connected planning and scale.
Weaknesses: high complexity / implementation burden for SME segment.
Does that Brixx doesn’t: large-scale enterprise connected planning and model governance.
Brixx does that Anaplan doesn’t: straightforward SME usability and transparent low-cost entry.
13. MRI HousingBrixx (Housing Association specific)¶
Target market: UK social housing providers (370+ stated), finance and strategy teams.
Pricing: not publicly listed (sales-led).
Core features:
- Social Housing SORP-aligned reporting
- Regulatory reporting support (FFR/SHR references)
- ~50 financial/treasury/operational reports, standard dashboards
- Scenario modelling, audit history, one-click consolidation
- SaaS option
Integrations: not explicitly listed on fetched product page; sits in MRI social housing suite context.
Reviews: no public mass-market review signals surfaced in this run.
Strengths: sector-specific compliance/reporting depth, regulator-recognized modelling methods.
Weaknesses: likely procurement-heavy, less self-serve, less accessible to non-sector users.
Does that Brixx doesn’t: deep UK social housing regulatory model/reporting fit out-of-the-box.
Brixx does that MRI HousingBrixx doesn’t: broader horizontal SME applicability and simpler onboarding.
14. Castleton Financial Modelling (legacy name)¶
Status: legacy/renamed lineage into MRI HousingBrixx.
Implication: treat as same product family in competitive framing; messaging now under MRI HousingBrixx branding.
15. Other HA-specific alternatives (best-effort)¶
Given search constraints in this environment, no additional UK HA-native financial modelling platform with equivalent visibility was conclusively verified beyond MRI HousingBrixx lineage.
Observed market reality: many HAs still rely on bespoke Excel/regulatory models + consulting overlays + ERP reporting layers rather than a dominant second specialist SaaS standard.
2) Feature comparison matrix (high-level)¶
Legend: ✓ = strong/native, ~ = partial/depends, — = not core/unclear
| Feature | Brixx | Float | Fathom | Futrli | Spotlight | Calxa | LivePlan | PlanGuru | Jirav | Cube | Adaptive | Planful | Anaplan | MRI HousingBrixx |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 3-way forecasting | ✓ | — | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Cash flow forecasting | ✓ | ~ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Scenario modelling | ✓ | ~ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Multi-entity consolidation | ~ | — | ✓ | ~ | ✓ | ✓ | ~ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Sector-specific social housing reporting | — | — | — | — | — | — | — | — | — | — | — | — | — | ✓ |
| Accounting firm portfolio mgmt | ~ | — | ✓ | ✓ | ✓ | ~ | — | ~ | ✓ | ~ | ~ | ~ | ~ | ~ |
| ERP-scale integrations | — | — | ~ | ~ | ~ | ✓ | — | — | ~ | ✓ | ✓ | ✓ | ✓ | ~ |
| Spreadsheet power-user depth | ~ | — | ~ | ~ | ~ | ✓ | ~ | ✓ | ~ | ✓ | ✓ | ✓ | ✓ | ~ |
| Beginner-friendly UX | ✓ | ✓ | ~ | ~ | ~ | ~ | ✓ | ~ | ~ | ~ | — | — | — | — |
| ESG reporting | — | — | — | — | ✓ | — | — | — | — | — | ~ | ~ | ~ | — |
| Audit trail/model governance | ~ | ~ | ✓ | ~ | ✓ | ✓ | ~ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
3) Pricing comparison table¶
| Product | Public pricing availability | Indicative pricing (as found) |
|---|---|---|
| Brixx | Public | £30/mo monthly; £24/mo billed annually (20% off) |
| Float | Public | $7/user/mo Starter; $12/user/mo Pro; Enterprise custom |
| Fathom | Public (dynamic) | Portfolio: $62 (100 co), $370 (300), $500 (unlimited); Pro bundles observed: $390/$540/$860 + per-extra-company fees |
| Futrli | Public (complex multi-currency) | UK examples: 1-license entry + addl client ~£35–£40; larger bundles lower addl rates (e.g., £23/£17.60/£12) |
| Spotlight Reporting | Public | Basic moving $295→$329/mo (UK £295→£320); higher plans include $495/£495 (and enterprise mention $995) |
| Calxa | Public | GBP: £132 (Premier1), £170 (Premier5), £512 (Premier50), £853 (Premier100), £1,540 (Premier200), +£14/additional org |
| LivePlan | Partially public/dynamic | Source suggests Standard/Premium + promos; verify current list in-browser |
| PlanGuru | Public | $83/$166/$333 annual (paid yearly) and $99/$199/$399 monthly (tiered) |
| Jirav | Partially public/dynamic | Source range $100–$750/mo; “starting at” snippets include $50 and $150 |
| Cube | Not public | Custom quote |
| Workday Adaptive | Not public | Custom quote |
| Planful | Not public | Custom quote |
| Anaplan | Not public | Custom quote |
| MRI HousingBrixx | Not public | Custom quote |
4) Integration comparison (what was verifiable)¶
| Product | Xero | QBO | Sage | MYOB | ERP/warehouse breadth | PM/other apps |
|---|---|---|---|---|---|---|
| Brixx | ✓ | — | — | — | — | — |
| Float | — | — | — | — | — | Jira, Linear, Slack, Teamwork, Trello, Zapier, GCal, Outlook, API |
| Fathom | ✓ | ✓ | — | ✓ | Excel imports | — |
| Futrli | ~ (cloud accounting) | ~ | ✓ (by Sage ownership context) | ~ | ~ | — |
| Spotlight | ✓ | ~ (leading accounting systems claim) | ~ | ~ | ~ | Google Analytics mention |
| Calxa | ✓ | ✓ | — | ✓ | NetSuite, Acumatica, MS Business Central | — |
| LivePlan | ✓ | ✓ | — | — | — | — |
| PlanGuru | ✓ | ✓ | — | — | Excel import | — |
| Jirav | ~ | ~ | ~ | ~ | accounting/payroll/operational data claim | — |
| Cube | ~ | ✓ | ~ | ~ | Salesforce, NetSuite + broader sources | — |
| Adaptive | ~ | ~ | ~ | ~ | “any ERP/GL/data source”, Excel | — |
| Planful | ~ | ~ | ~ | ~ | thousands of connectors, APIs, warehouses, BI | Office/Google via Spotlight |
| Anaplan | ~ | ~ | ~ | ~ | enterprise data platform connectivity | — |
| MRI HousingBrixx | ~ (within MRI ecosystem) | ~ | ~ | ~ | sector suite context | — |
5) Review score snapshot (available in this environment)¶
Requested: G2, Capterra, Trustpilot.
Constraint: G2 and Capterra blocked in this environment.
| Product | G2 | Capterra | Trustpilot |
|---|---|---|---|
| Brixx | N/A (blocked) | N/A (blocked) | 4.6/5 |
| LivePlan | N/A (blocked) | N/A (blocked) | 4.3/5 |
| PlanGuru | N/A (blocked) | N/A (blocked) | 4.0/5 |
| Jirav | N/A (blocked) | N/A (blocked) | 3.7/5 |
| Futrli | N/A (blocked) | N/A (blocked) | Active profile (score not cleanly extracted in truncated fetch) |
| Float/Fathom/Spotlight | N/A (blocked) | N/A (blocked) | Low/no established review signals on fetched pages |
| Enterprise vendors | N/A | N/A | Trustpilot generally not primary signal |
6) What competitors do that Brixx currently doesn’t (aggregate)¶
- Deep multi-entity consolidation at enterprise scale (Planful, Adaptive, Anaplan, Cube).
- Broad connector ecosystems / warehouse-native integration (Planful, Cube, enterprise suites).
- Accounting-firm portfolio operations (Fathom Portfolio, Jirav, Spotlight advisory packaging).
- Verticalized UK social housing compliance packs (MRI HousingBrixx).
- Richer ESG and benchmarking modules (Spotlight).
- Resource planning + staffing ops overlap (Float style operational planning).
7) What Brixx does better / uniquely strong¶
- Simplicity + fast time-to-value for founders and non-finance users.
- Clear 3-way model orientation without enterprise implementation overhead.
- Affordability and transparent entry pricing (vs most FP&A enterprise tools).
- Business-plan-first usability with scenario/timeline experimentation.
- Strong trust signal on Trustpilot in this segment.
8) Gap analysis: what NO competitor does well enough (opportunity for a new UK HA-focused entrant)¶
- Native UK Housing Association digital-twin modelling combining:
- rent policy mechanics,
- stock condition/capex,
- development pipeline,
- treasury/loan covenant stress,
- welfare policy sensitivity,
-
and regulator-ready output in one unified model.
-
Live compliance intelligence layer
- most tools either generic FP&A or static templates;
-
opportunity: automatically update model assumptions to policy/regulatory change with transparent audit impacts.
-
Cross-functional HA planning fabric
-
finance + asset management + repairs + development + tenant outcomes in one scenario engine.
-
Board-ready narrative automation for HA governance
-
explain scenario deltas and covenant impacts in plain language for board packs.
-
Implementation-light sector specificity
-
current HA-specialist options are capable but often procurement-heavy and less self-serve.
-
SME-tier pricing for HA subsidiaries/smaller associations
- big enterprise platforms are too expensive/complex; specialist tools can still be heavy.
9) Recommendations: Building a Brixx competitor focused on UK Housing Associations¶
Table stakes (must-have)¶
- 30-year 3-statement integrated model (P&L, BS, cash flow).
- Loan covenant and treasury stress testing (automated breaches/warnings).
- Multi-scenario + sensitivity analysis with fast recalculation.
- Multi-entity consolidation (group + subsidiaries/JVs).
- Audit trail, role permissions, and model governance.
- Import connectors for major accounting and housing data sources (minimum Xero/QBO/Sage + CSV).
- Board/regulator-ready reporting exports.
Differentiators (where to win)¶
- HA-native object model (properties, tenures, voids, arrears, component lifecycles, decarbonisation).
- Policy intelligence engine (regulatory/rent-policy updates auto-mapped into scenarios).
- Asset-condition + retrofit optimisation tied directly to treasury/covenants.
- Tenant-outcome and service-level metrics integrated into financial planning (beyond finance-only KPIs).
- AI copilot for governance: “explain this downside scenario and mitigation plan” in board language.
- Rapid implementation kit: preconfigured templates by HA archetype (small rural HA, metro HA, development-heavy HA).
- Transparent mid-market pricing with clear entity/portfolio scaling and no hidden implementation surprises.
Suggested GTM wedge¶
- Start with “Covenant & Viability Command Center for UK HAs” (pain is acute and board-visible),
- then expand to full strategic planning + ESG/decarbonisation capex optimisation.
10) Sources used (representative)¶
- brixx.com + brixx.com/pricing
- float.com/pricing and float.com/integrations
- fathomhq.com/pricing and fathomhq.com/integrations
- futrli.com and futrli.com/pricing
- spotlightreporting.com and spotlightreporting.com/pricing
- calxa.com/pricing
- liveplan.com and liveplan.com/pricing
- planguru.com and planguru.com/products
- jirav.com/pricing and jirav.com/product/advisory-integrations
- cubesoftware.com/pricing
- workday.com adaptive planning pages
- planful.com and planful.com/integrations
- anaplan.com and anaplan.com/platform
- mrisoftware.com/uk/products/housingbrixx
- trustpilot.com review pages for selected vendors
11) Validation follow-ups recommended (when web_search/browser access is restored)¶
- Reconfirm exact current pricing cards for LivePlan/Jirav/Fathom/Futrli in-browser.
- Pull G2 and Capterra scores + review counts for all products.
- Run a dedicated pass to identify/verify additional HA-specific UK tools beyond MRI HousingBrixx lineage.
- Build a quantified scoring model (fit-for-HA weighted score across 25+ criteria).