Business Advisory · South London
Business advisory in Grange, Southwark
Owners in Grange rarely have anyone to think out loud with who understands the numbers. Our advisory sessions are that: a structured conversation about the question you bring, prepared from your figures, with a written summary afterwards saying what we recommend and why. Fixed fee per session, no retainer required, no hourly clock.
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 Grange
Owner-managers in Grange, Southwark 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 Grange, Southwark, step by step
Scope the job
We find out what you need filed, when it is due and what state the records are in, and tell you which fixed-fee package applies.
Agree the price
The fee is confirmed in writing. There is no hourly billing and nothing added for questions during the work.
Hand over the records
Photographs, PDFs, software access or a spreadsheet, sent however suits you. We confirm what we have and what is missing within two working days.
Approve, then we submit
You review the draft with our explanation, sign off, and we file. Receipts, copies and the next deadlines come back to you immediately.
Why IGI
Why Grange businesses file with IGI
The price for business advisory is published on this page and is what a client in Grange pays. We confirm it in writing first, and the invoice matches the quote.
Nothing for Grange is left to the last week. Each deadline relevant to business advisory is tracked from the day you join, with the next four shown on every page we send you.
No appointments, no travel across South London, no parking. Everything for business advisory in Grange happens online, with a real person on the other end during UK working hours.
A named person handles your business advisory from Grange and knows the file, so you are not re-explaining your business to a different helpdesk each time.
The output for Grange 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.
Nothing is filed for Grange until you have reviewed and approved it. You see the draft, you ask questions, you sign off, then we submit and send you the receipt.
Local facts
About Grange, Southwark
Grange, Southwark is in South London, within Southwark, in the SE1 postcode district, England. For businesses in England the tax rules are those set by the UK Parliament: the 20/40/45% income tax bands, Class 4 National Insurance for the self-employed at 6% and 2%, Corporation Tax at 19% to 25%, and Stamp Duty Land Tax on property. Business rates are set locally by the council.
| Place | Distance | Direction |
|---|---|---|
| Chaucer | 0.5 mi | W |
| East Walworth | 0.6 mi | SW |
| Old Kent Road | 0.6 mi | S |
| Bermondsey | 0.7 mi | E |
| Borough, Southwark | 0.7 mi | NW |
| Walworth | 0.7 mi | SW |
| Tower of London | 0.8 mi | N |
| Borough Market | 0.8 mi | NW |
Worth knowing
Rules that come up in this work
Corporation Tax rates and marginal relief
Corporation Tax is not a flat rate. Profits to £50,000 pay 19%, profits above £250,000 pay 25%, and the band between is taxed at an effective marginal rate of 26.5% through the marginal relief mechanism. Associated companies share the thresholds, which catches directors who own more than one company and is the most common cause of underpaid tax in owner-managed groups.
The VAT registration threshold
Watching the rolling twelve-month turnover figure is one of the quiet jobs of monthly bookkeeping, because the £90,000 VAT threshold arrives silently. Crossing it brings quarterly returns, Making Tax Digital software and a decision about schemes. Crossing it late brings a bill for VAT you could not recover from customers and a penalty for failing to notify.
Director's loan accounts
A director's loan account records money moving between a director and the company that is not salary or dividend. If the director owes the company money nine months and one day after the year end, the company pays section 455 tax at 35.75% of the balance, refundable only when the loan is repaid. Loans over £10,000 are also a benefit in kind unless interest is charged at HMRC's official rate.
Salary versus dividends
Paying yourself from a company involves two routes with different tax treatment. Salary through payroll is a company expense and builds a National Insurance record; dividends come from post-tax profit at lower personal rates. Undocumented drawings that are neither become director's loans, with a 35.75% section 455 charge if not repaid within nine months of the year end.
Payments on account
Payments on account catch out most people in their second year of self-employment. HMRC assumes next year's tax will match this year's and collects half in January and half in July, in advance, on top of the balancing payment. If profits are dropping you can apply to reduce them, but reducing them too far attracts interest. We calculate the right figure rather than guessing.
The Self Assessment calendar
The tax year runs from 6 April to 5 April. Anyone new to Self Assessment must register by 5 October after the end of the tax year in which their untaxed income began. The online return and the balancing payment are due by 31 January, with a second payment on account on 31 July where they apply. Paper returns have an earlier deadline of 31 October and are rarely sensible.
Making Tax Digital for Income Tax
Making Tax Digital for Income Tax began in April 2026 for sole traders and landlords with qualifying income over £50,000, extends to those over £30,000 in April 2027 and is planned for £20,000 in April 2028. It requires digital records in compatible software and four quarterly updates to HMRC each year, with a final declaration replacing the traditional return. Payment dates are unchanged.
Questions
Business Advisory questions from Grange
Can a session be about a partnership or shareholder disagreement?
Yes, where the question has a financial core: how profits are shared, how a partner is bought out, what a shareholding is worth, how to structure an exit. We give an independent financial view. Legal advice on the agreement itself needs a solicitor, and we tell you what to ask them.
Do you advise on selling a business?
We advise on preparing a business for sale: cleaning up the accounts, documenting what the buyer will ask for, understanding how value is calculated and what reduces it, and the tax position on exit including business asset disposal relief. For the transaction itself you need a corporate finance adviser or broker, and we work alongside them.
How does the quarterly retainer work?
For £129 a quarter you get a session each quarter with your management figures, a standing agenda of the things you are tracking, and a written note afterwards. It is for owners who want a regular, structured conversation about the business rather than one-off help, and it works best alongside our management accounts.
What is the growth readiness review?
For £399 we look at what the business would need to operate at the next level: people and roles, funding and cash, systems and controls, pricing capacity and the owner's own role. The report identifies what will break first at the larger size and sets out the fixes in order, with costs. It is often used before a fundraise or a major hire.
What is the pricing and margin review?
For £299 we analyse your sales by product, service or customer against the true cost of delivering each, including the overheads that are usually ignored, to show where the margin is actually made and lost. The report recommends price changes, discount policy and which lines to grow or drop, with the profit effect of each quantified.
What happens in the £149 session?
You tell us the question when you book and send your recent figures. We prepare, then spend 90 minutes by video working through it: the numbers, the options, the trade-offs. Within three working days you receive a written summary of the discussion, our recommendation and the next steps. One session often resolves the question; some lead to a review product.
How do I get started from Grange, Southwark?
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 Grange clients are set up within a day.
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 Grange 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.
Start the conversation from Grange
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.