Business Advisory · East London
Business advisory in Chadwell Heath
Business advisory for owners in Chadwell Heath: a single 90-minute session with written summary is £149, a pricing and margin review is £299, a growth readiness review is £399, and a quarterly retainer is £129 a quarter. Fixed fees, published, the same in Chadwell Heath as in every part of England, delivered by video call.
from £149 · fixed, per session
Next deadlines
- VAT return and payment for the quarter that ended last month
- VAT return and payment for the quarter that ended last month
- VAT return and payment for the quarter that ended last month
- Tax year ends: last day for pension, ISA and dividend timing decisions
Who this is for
Business Advisory for Chadwell Heath
Owner-managers in Chadwell Heath facing a decision or a recurring problem: businesses that are busy but not profitable, owners considering a first or next hire, companies choosing between loan, invoice finance and investment, founders preparing to scale or to sell, franchisees and partnerships needing an independent view, and anyone who wants a quarterly conversation about the numbers with someone who has read them.
What is included
Everything inside the fixed fee
- A structured 90-minute session on the question you bring, with preparation from your numbers beforehand
- A written summary within three working days: what we discussed, what we recommend, what to do next
- Pricing and margin review: unit economics, price points, discounting and the gross margin you actually make
- Growth readiness review: hiring plans, funding options, systems, controls and what breaks at the next size
- Quarterly advisory retainer: a session each quarter with your management figures and a standing agenda
- Introductions to lenders, grant bodies and specialists where the question needs them
How it works
Business Advisory from Chadwell Heath, step by step
Tell us your situation
A short message or call about what you do and what needs filing. We ask the questions that determine the right package and nothing more.
Fixed fee in writing
You receive one price for the work, confirmed by email before anything starts. It does not change if the job takes longer than we expected.
Send records, review the draft
Records come by WhatsApp or email. We prepare the draft, explain the figures in plain English and answer your questions.
We file, you get the receipts
Once you approve and the fee is settled, we submit electronically and forward the HMRC or Companies House acknowledgement the same day.
Why IGI
Why Chadwell Heath businesses file with IGI
The price for business advisory is published on this page and is what a client in Chadwell Heath pays. We confirm it in writing first, and the invoice matches the quote.
Deadline-first: the dates that matter for business advisory are shown at the top of this page, diarised for every Chadwell Heath client and chased before they arrive.
No appointments, no travel across East London, no parking. Everything for business advisory in Chadwell Heath happens online, with a real person on the other end during UK working hours.
You get one contact for business advisory, not a queue. Chadwell Heath clients message the same person throughout and get an answer in working hours, usually within a few hours.
The output for Chadwell Heath clients is never just a form. It is the form, a one-page summary of what it says, and a note of the decisions it points to for business advisory.
Approval before filing is a rule, not a courtesy. For business advisory in Chadwell Heath, every submission to HMRC or Companies House follows your written go-ahead.
Local facts
About Chadwell Heath
Chadwell Heath is in East London, within Redbridge, in the RM6 postcode district, England. Income tax in England follows the UK rates: 20% basic to £50,270, 40% higher to £125,140 and 45% additional, with the personal allowance of £12,570 tapered away above £100,000. National Insurance, VAT and Corporation Tax are UK-wide, and Stamp Duty Land Tax applies to property purchases.
| Place | Distance | Direction |
|---|---|---|
| Chadwell, Redbridge | 0.5 mi | NW |
| Whalebone | 0.6 mi | E |
| Goodmayes | 0.8 mi | W |
| Valence | 0.8 mi | S |
| Becontree Heath | 1.0 mi | SE |
| Marks Gate | 1 mi | N |
| Heath, Barking and Dagenham | 1 mi | SE |
| Seven Kings | 1 mi | W |
Worth knowing
Rules that come up in this work
Switching accountants
The main reasons people switch accountant are surprise invoices, missed deadlines and not understanding what they are being told. Switching involves a clearance letter between the firms, a transfer of records and agent authorisations, and a short handover of the current position. It takes about two weeks and should cost nothing extra.
Closing a company
Voluntary strike-off is available only to solvent companies. One that owes money it cannot pay needs a creditors' voluntary liquidation through a licensed insolvency practitioner, and directors who dissolve an insolvent company face personal consequences. For a solvent company the process takes three to four months from filing the DS01, with notice to creditors and shareholders within seven days.
Dormant companies
Dormancy is a status that is easy to lose. The strict rule is no accounting transactions other than share capital and Companies House fees, which means no bank account activity at all in practice. Fees should be paid personally by the director. A company that traded and has stopped becomes dormant only after its final trading accounts and tax return are filed and HMRC is told.
The trading and property allowances
Small side incomes are covered by two £1,000 allowances, one for trading and one for property, which remove the need to register or report income below that level. Once income exceeds £1,000, the allowance can be used in place of expenses, a choice worth making deliberately: a freelancer with £900 of costs is better off with the allowance, one with £3,000 is not.
Employer National Insurance
The cost of an employee is more than the salary. Employer National Insurance at 15% above £5,000 a year, the 3% minimum pension contribution, holiday pay, equipment and management time all come on top. The Employment Allowance of £10,500 reduces the National Insurance for most employers with more than one person on the payroll.
Workplace pensions and auto-enrolment
Every employer must assess its workers for automatic enrolment from the first employee's start date. Those aged 22 to State Pension age earning over £10,000 a year must be enrolled into a qualifying pension with minimum contributions of 8% of qualifying earnings, at least 3% from the employer, and a declaration of compliance made to the Pensions Regulator within five months.
Record keeping
Record keeping is a legal obligation with a penalty of up to £3,000 for failure, but its real value is in making every other filing cheaper and more defensible. Keep invoices, receipts, bank statements, mileage logs and any HMRC correspondence, digitally if you like, for five years after the relevant filing deadline for individuals and six years for companies and VAT.
Questions
Business Advisory questions from Chadwell Heath
Do you need to be my accountant for compliance?
No. Advisory is available on its own, and we work from management figures or accounts prepared by another firm. Where the session reveals a compliance issue we tell you, and where implementing the advice needs ongoing accounting we quote it separately as a fixed fee.
How do I get the most from a session?
Bring one clear question and send your figures beforehand. The best sessions are specific: should I take on this contract at this price, can I afford this hire by March, which of my three services should I stop. Broad questions get broad answers; specific ones get decisions.
Is this consultancy or accounting?
It is advice from accountants who read your numbers, which is different from both generic business coaching and from pure compliance. We focus on the decisions the figures inform: pricing, hiring, funding, cost structure, cash. We do not advise on marketing strategy or operations beyond their financial effect.
Can you help me decide whether to hire?
Yes, and it is one of the most common session topics. We model the full cost of the hire including employer National Insurance at 15%, pension, equipment and management time, against the revenue or capacity it releases, and the cash impact month by month. The answer is often yes but later, or yes but part-time first.
Can you help with funding?
We help you decide what kind of funding suits the need, debt, invoice finance, asset finance, grant or equity, and prepare the figures lenders or investors want to see. Our cash-flow forecasting service produces the forecast pack. We introduce you to lenders and grant bodies we know but we are not brokers and take no commission.
My business is busy but there is never any money. Can you tell me why?
Usually, yes, and usually within a session. The common causes are margin erosion through discounting or cost creep, slow-paying customers tying up cash, stock or work in progress absorbing it, overheads that grew with turnover, or the owner's drawings exceeding profit. The pricing and margin review goes deeper where margin is the cause.
Which deadlines matter most for business advisory?
The next four dates that apply to business advisory are shown at the top of this page, calculated from today. For Chadwell Heath clients we diarise every one of them from the day you join and send reminders before each, so the work is done in good time rather than in the last week before a penalty.
How do I get started from Chadwell Heath?
Message us on WhatsApp or email with a sentence about your business and what you need. We reply in working hours with any questions and a fixed fee for business advisory. Once you confirm, we tell you exactly which records to send and the work begins. Most Chadwell Heath clients are set up within a day.
One message from Chadwell Heath, one fixed price
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.