Business Advisory · North West London
Business advisory in Little Stanmore
Business advisory in Little Stanmore that produces something you can act on. The pricing and margin review finds the products and customers that make money and the ones that do not. The growth readiness review tells you what will break at the next size and what to fix first. Each is a fixed scope at a published fee, with a written report.
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 Little Stanmore
Owner-managers in Little Stanmore 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 Little Stanmore, 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
What you get in Little Stanmore
One fixed fee for business advisory in Little Stanmore, agreed in writing before any work starts and never changed part-way through the job, however long it takes us.
We work to the HMRC and Companies House calendar, not an appointment diary. Clients in Little Stanmore get reminders at 60, 30 and 7 days before each date that applies to business advisory.
No appointments, no travel across North West London, no parking. Everything for business advisory in Little Stanmore happens online, with a real person on the other end during UK working hours.
A named person handles your business advisory from Little Stanmore and knows the file, so you are not re-explaining your business to a different helpdesk each time.
We explain business advisory in the words Little Stanmore business owners use, not in accountant's shorthand, and we show our working so you can check it.
You stay in control of business advisory: drafts go to Little Stanmore clients first, with the figures explained, and nothing leaves us until you say so.
Local facts
About Little Stanmore
Little Stanmore is in North West London, within Harrow, in the HA8 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 |
|---|---|---|
| Canons Park | 0.6 mi | NW |
| Queensbury, Brent | 0.7 mi | S |
| Edgware | 0.8 mi | NE |
| Burnt Oak, Barnet | 0.8 mi | E |
| Kingsbury, Brent | 1 mi | S |
| Stanmore, Harrow | 1 mi | NW |
| Belmont, Harrow | 2 mi | W |
| Colindale | 2 mi | E |
Worth knowing
Rules that come up in this work
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.
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.
The trading and property allowances
The first £1,000 of trading income and, separately, the first £1,000 of property income each year is tax free under the trading and property allowances. Below those figures no return is needed for that income. Above them you can deduct the £1,000 allowance instead of actual expenses if that is better, which suits side businesses and single-room lets with few costs.
Dormant companies
Companies formed to protect a name or hold a future business are dormant but not exempt: Companies House still expects dormant accounts within nine months of the year end and a confirmation statement annually with its £50 fee, and HMRC must be told the company is dormant or it will demand Corporation Tax returns. The filings are short, but the penalties for missing them are the same as for a trading company.
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.
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.
Allowable expenses
An expense is allowable against trading profit if it is incurred wholly and exclusively for the business. Materials, business travel other than ordinary commuting, a proportion of home running costs, software, insurance, professional fees, bank charges and protective clothing qualify. Client entertainment, ordinary clothing, fines and the private share of mixed-use costs do not.
Questions
Business Advisory questions from Little Stanmore
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.
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.
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.
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.
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.
Is business advisory in Little Stanmore really the same price as elsewhere?
Yes. The fee published on this page is what a client in Little Stanmore 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.
Do you have an office in Little Stanmore?
No. IGI Accounting is an online-only firm. We serve Little Stanmore 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 Little Stanmore as anywhere else in the country, and why there is nothing to visit and nothing to print.
Start the conversation from Little Stanmore
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.