Business Advisory · West Midlands
Business advisory in Stourbridge
Business advisory in Stourbridge 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 Stourbridge
Owner-managers in Stourbridge 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 Stourbridge, 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 Stourbridge
The price for business advisory is published on this page and is what a client in Stourbridge pays. We confirm it in writing first, and the invoice matches the quote.
Nothing for Stourbridge 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.
Online only, UK based. There is no office in Stourbridge to pay for, which is why the fee is the same here as anywhere in England; the work is done by people in the UK who answer the same day.
You get one contact for business advisory, not a queue. Stourbridge clients message the same person throughout and get an answer in working hours, usually within a few hours.
The output for Stourbridge 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 Stourbridge 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 Stourbridge
Stourbridge is in West Midlands, in the DY8 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 |
|---|---|---|
| Hanbury Hill | 0.4 mi | S |
| Amblecote | 0.4 mi | N |
| Clatterbatch | 0.5 mi | E |
| Bouchall | 0.6 mi | E |
| Heath, Dudley | 0.7 mi | SW |
| Grange Estate, West Midlands | 0.7 mi | SE |
| Coalbournbrook | 0.8 mi | N |
| Dennis Park | 0.8 mi | NW |
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
Changing accountant is simpler than most people fear. You authorise the new firm, which writes to the old one for professional clearance and your records; the outgoing accountant must hand over your own documents and usually does within two weeks. The new firm registers as your agent with HMRC and picks up the next filing. There is no need to wait for a year end.
The trading and property allowances
Small side incomes are covered by two £1,000 allowances, one for trading and one for property, which remove the need to register or report income below that level. Once income exceeds £1,000, the allowance can be used in place of expenses, a choice worth making deliberately: a freelancer with £900 of costs is better off with the allowance, one with £3,000 is not.
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.
Workplace pensions and auto-enrolment
Auto-enrolment duties begin the day you take on your first employee, not when the Pensions Regulator writes to you. Eligible staff must be enrolled, contributions paid every pay period and re-enrolment carried out every three years. Director-only companies without employment contracts are usually exempt. Fines for non-compliance are fixed and escalating.
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
Expense claims are where a return is won or lost in an enquiry. The test is wholly and exclusively for the trade; where a cost is mixed, the business proportion can be claimed if it can be identified. Capital items such as equipment and vans are relieved through capital allowances rather than as expenses, except under the cash basis where they are simply deducted when paid.
Questions
Business Advisory questions from Stourbridge
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 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.
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.
Is business advisory in Stourbridge really the same price as elsewhere?
Yes. The fee published on this page is what a client in Stourbridge 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 Stourbridge?
No. IGI Accounting is an online-only firm. We serve Stourbridge 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 Stourbridge as anywhere else in the country, and why there is nothing to visit and nothing to print.
Get a fixed quote for Stourbridge today
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.