Business Advisory · South West London
Business advisory in St. Mark's
Business advisory for owners in St. Mark's: 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 St. Mark's 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 St. Mark's
Owner-managers in St. Mark's 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. Mark's, 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 St. Mark's
The price for business advisory is published on this page and is what a client in St. Mark's 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 St. Mark's client and chased before they arrive.
No appointments, no travel across South West London, no parking. Everything for business advisory in St. Mark's happens online, with a real person on the other end during UK working hours.
You get one contact for business advisory, not a queue. St. Mark's clients message the same person throughout and get an answer in working hours, usually within a few hours.
The output for St. Mark's 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 St. Mark's, every submission to HMRC or Companies House follows your written go-ahead.
Local facts
About St. Mark's
St. Mark's is in South West London, within Kingston upon Thames, in the KT6 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 |
|---|---|---|
| Surbiton | 0.2 mi | SW |
| Seething Wells | 0.4 mi | SW |
| Berrylands | 0.7 mi | E |
| Kingston upon Thames | 1.0 mi | N |
| Surbiton Hill | 1.0 mi | E |
| Southborough | 1 mi | S |
| Ditton, Long | 1 mi | SW |
| Long Ditton | 1 mi | SW |
Worth knowing
Rules that come up in this work
The VAT registration threshold
The £90,000 VAT threshold is measured over any twelve consecutive months, which is why a strong quarter can tip a business over unexpectedly. Registration must follow within thirty days of the end of the month the threshold was crossed. Below the threshold, voluntary registration is worth considering when customers are VAT-registered businesses and costs carry VAT.
Switching accountants
You can switch accountant at any point in the year. The new firm requests clearance and your records from the old one, which cannot withhold your own documents though it may hold its own working papers until its fees are settled. Agent authorisations with HMRC and Companies House are transferred, and the next deadline is picked up without a gap.
Corporation Tax rates and marginal relief
Since April 2023 there have been two Corporation Tax rates, 19% small profits and 25% main, with marginal relief smoothing the transition between £50,000 and £250,000 of profit. The band is where planning matters: each pound of profit in it is taxed at an effective 26.5%, so pension contributions and capital expenditure timed to keep profit below £50,000 are worth more than they look.
Closing a company
A solvent company that has finished its purpose can be dissolved by voluntary strike-off: form DS01 with a £13 Companies House fee, after three months without trading and with all debts paid, final accounts and tax return filed, and assets distributed. HMRC objects to any application where returns or tax are outstanding, so the sequence matters more than the form.
Salary versus dividends
The salary-and-dividend split is the central planning decision for an owner-managed company. Salary costs employer National Insurance above £5,000 but is deductible; dividends are not deductible but attract lower personal rates and no National Insurance. The optimum changes each April with the thresholds and depends on the director's other income, so it should be set deliberately every year.
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.
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.
Questions
Business Advisory questions from St. Mark's
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.
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.
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 St. Mark's 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 St. Mark's?
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 St. Mark's clients are set up within a day.
One message from St. Mark's, one fixed price
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.