Business Advisory · North London
Business advisory in Hampstead Garden Suburb
Whether the question in Hampstead Garden Suburb is whether to hire, how to price, how to fund growth or why the business is busy but not profitable, we bring the accountant's view to it for a fixed fee. Businesses across North London use the single session for one decision and the quarterly retainer for a standing conversation. Everything online.
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 Hampstead Garden Suburb
Owner-managers in Hampstead Garden Suburb 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 Hampstead Garden Suburb, 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
What you get in Hampstead Garden Suburb
One fixed fee for business advisory in Hampstead Garden Suburb, agreed in writing before any work starts and never changed part-way through the job, however long it takes us.
Nothing for Hampstead Garden Suburb 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 North London, no parking. Everything for business advisory in Hampstead Garden Suburb happens online, with a real person on the other end during UK working hours.
You get one contact for business advisory, not a queue. Hampstead Garden Suburb clients message the same person throughout and get an answer in working hours, usually within a few hours.
We explain business advisory in the words Hampstead Garden Suburb business owners use, not in accountant's shorthand, and we show our working so you can check it.
Nothing is filed for Hampstead Garden Suburb 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 Hampstead Garden Suburb
Hampstead Garden Suburb is in North London, within Barnet, in the NW11 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 |
|---|---|---|
| Garden Suburb, Barnet | 0.1 mi | W |
| Temple Fortune | 0.8 mi | W |
| East Finchley | 0.8 mi | NE |
| Golders Green | 0.9 mi | SW |
| Heath Park | 1 mi | S |
| Finchley | 1 mi | N |
| Hampstead Heath | 1 mi | SE |
| Brent Park | 1 mi | W |
Worth knowing
Rules that come up in this work
Late filing penalties
Lateness is expensive in a way that compounds. For individuals, £100 immediately, then daily penalties, then percentage-based ones at six and twelve months, with interest running on unpaid tax throughout. For companies, Companies House penalties scale with delay and double on repeat, and HMRC adds its own for a late CT600. Filing on time is the cheapest tax planning there is.
Making Tax Digital for Income Tax
MTD for Income Tax replaces one annual return with quarterly digital updates and a year-end declaration, submitted from software. The threshold is gross trading and property income, measured two years earlier, and started at £50,000 in April 2026 before falling to £30,000 in April 2027. Anyone affected needs digital record keeping in place before their start date, not after.
The Self Assessment calendar
Four dates govern Self Assessment: 5 October to register, 31 October for paper returns, 31 January to file online and pay, and 31 July for the second payment on account. Missing the January date triggers an automatic £100 penalty before any tax is even considered, so we treat it as the fixed point around which the rest of the year is planned.
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.
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.
Director's loan accounts
Money taken from a company has to be something: salary, dividend, expense reimbursement or loan. If it is a loan and remains outstanding nine months after the year end, the company pays tax at the dividend higher rate on it until it is repaid. Clearing the balance with a properly declared dividend before the deadline, where reserves allow, is routine year-end work.
The VAT registration threshold
VAT registration is compulsory once taxable turnover in any rolling twelve-month period exceeds £90,000, or when you expect to exceed that in the next thirty days alone. The test is rolling, not by tax year, and includes zero-rated sales. Businesses regularly cross it without noticing, and late registration means accounting for VAT on sales where it was never charged to customers.
Questions
Business Advisory questions from Hampstead Garden Suburb
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.
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.
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.
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.
Do you have an office in Hampstead Garden Suburb?
No. IGI Accounting is an online-only firm. We serve Hampstead Garden Suburb and every other UK postcode remotely, with records sent by WhatsApp or email and everything filed electronically. The absence of local premises is why the fee for business advisory is the same in Hampstead Garden Suburb as anywhere else in the country, and why there is nothing to visit and nothing to print.
Is business advisory in Hampstead Garden Suburb really the same price as elsewhere?
Yes. The fee published on this page is what a client in Hampstead Garden Suburb pays and what a client in any other part of England pays. It is confirmed in writing before work starts and the invoice matches the quote. Where a higher package applies because your situation is more complex, we say so at the quote stage, never afterwards.
Ready to fix your fee in Hampstead Garden Suburb?
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.