Business Advisory · South West London
Business advisory in St. Margarets and North Twickenham
Business advisory in St. Margarets and North Twickenham 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 St. Margarets and North Twickenham
Owner-managers in St. Margarets and North Twickenham 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 St. Margarets and North Twickenham, 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
The IGI way of working, in St. Margarets and North Twickenham
No hourly rate and no surprise invoice. St. Margarets and North Twickenham clients know the fee for business advisory before they send a single document, and it stays fixed.
Deadline-first: the dates that matter for business advisory are shown at the top of this page, diarised for every St. Margarets and North Twickenham client and chased before they arrive.
We serve St. Margarets and North Twickenham remotely by design: records by WhatsApp or email, drafts back for approval, filing electronic. The saving on premises is passed to you in the fee for business advisory.
Continuity matters in business advisory: the person who prepared last year's work for your St. Margarets and North Twickenham business prepares this year's, and remembers what was agreed.
Plain English, with the numbers. Every draft for St. Margarets and North Twickenham comes with a short explanation of what the figures mean and what, if anything, you should do about them.
Approval before filing is a rule, not a courtesy. For business advisory in St. Margarets and North Twickenham, every submission to HMRC or Companies House follows your written go-ahead.
Local facts
About St. Margarets and North Twickenham
St. Margarets and North Twickenham is in South West London, within Richmond upon Thames, in the TW1 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 |
|---|---|---|
| St Margarets, Richmond upon Thames | 0.3 mi | E |
| Twickenham | 0.6 mi | S |
| Twickenham Riverside | 0.6 mi | SE |
| Eel Pie Island | 0.7 mi | S |
| Isleworth | 0.9 mi | N |
| Woodlands, Hounslow | 0.9 mi | NW |
| Kenton East | 1.0 mi | E |
| Twickenham Green | 1.0 mi | SW |
Worth knowing
Rules that come up in this work
CIS deductions
Under the Construction Industry Scheme, contractors deduct 20% from a registered subcontractor's labour invoices, or 30% if unregistered, and pay it to HMRC. The subcontractor reclaims the deductions against their actual tax through Self Assessment, usually producing a refund because deductions are on turnover while tax is on profit. Contractors file a monthly return by the 19th.
Confirmation statements and identity verification
Every company must file a confirmation statement at least once a year, within fourteen days of its review date, with a £50 Companies House fee. Since November 2025 directors and people with significant control must also verify their identity with Companies House, and the confirmation statement is where existing officers confirm they have done so during the transition year.
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.
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.
Payments on account
A common surprise in Self Assessment is the January payment that is far larger than expected. That is the balancing payment for the year just ended plus the first payment on account for the year ahead, which HMRC sets at half of the bill just calculated. We put the figure in your hands months ahead and tell you how to adjust it legitimately when circumstances change.
The Self Assessment calendar
Self Assessment runs on a fixed annual cycle. Registration by 5 October following the tax year, online filing and payment by 31 January, and a second instalment on 31 July for those making payments on account. The penalties for lateness are automatic and escalate monthly, which is why we file early and chase approvals well before the window closes.
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.
Questions
Business Advisory questions from St. Margarets and North Twickenham
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.
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.
Is business advisory in St. Margarets and North Twickenham really the same price as elsewhere?
Yes. The fee published on this page is what a client in St. Margarets and North Twickenham 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 St. Margarets and North Twickenham?
No. IGI Accounting is an online-only firm. We serve St. Margarets and North Twickenham 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 St. Margarets and North Twickenham as anywhere else in the country, and why there is nothing to visit and nothing to print.
Fixed fees, filed on time, for St. Margarets and North Twickenham
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.