Sectors / Owner-Managed Business
Built for owner-managed businesses.
Whatever you do, the challenge is the same: your business is growing, but the reward is not showing up clearly. I connect profit, cash and tax so you can make better decisions and turn business success into personal wealth.
The problem
Working hard, doing well on paper, still not sure where you stand?
Most owner-managed businesses reach a point where the finances outgrow basic accounting. Sales are up but cash feels tight. Tax bills arrive unexpectedly. The numbers turn up too late to be useful, so decisions get made on gut feel. You have a bookkeeper and a year-end accountant, but nobody sitting in the middle doing the proactive, commercial thinking. That is the gap I fill.
What I do for owner-managed businesses
One relationship covering both sides of your world.
See what is really happening
A clear, up-front deep dive into data quality, financial performance, tax leakage and systems, so you finally know where you stand and where the easy wins are.
Forecasting and reporting you can act on
A budget, a cashflow forecast and a management reporting pack in plain English, giving you forward-looking numbers instead of a rear-view mirror.
Regular accountability
Monthly or quarterly meetings for review, planning and honest conversation, so decisions get made at the right time, on the back of real evidence.
Tax and personal wealth
As a Chartered Tax Adviser as well as an accountant, I plan tax through everything I do. The aim is not just more profit, but more profit in your pocket, tax efficiently.
Who this is for
Profitable, established or growth-stage businesses.
Owners of profitable, established or growth-stage businesses. Ownership shapes vary, husband and wife, siblings, generational, friends, colleagues, usually one to four owners with a small management team, turning over roughly £1m to £15m, on Xero or ready to move to it. If you are lacking time or clarity in the numbers and want more control, this is built for you.
The difference
Proactive work between your bookkeeper and year-end accountant.
I am not here to replace your bookkeeper or your year-end accountant. I sit between them, doing the proactive work neither of them provides. You get the experience of a finance director, scaled to your business, at three levels of support that step up as you grow. And year-end compliance is included, because it is a by-product of the work I do all year round.
How this plays out
A typical first 90 days working together.
- 01
Deep dive
A full look at data quality, financial performance, tax leakage and systems, so you finally know exactly where the business stands.
- 02
Quick wins
Tax savings acted on, reporting rebuilt so the numbers are forward-looking, and the biggest sources of confusion or leakage fixed first.
- 03
Ongoing rhythm
Monthly or quarterly reviews, honest planning conversations and year-end compliance handled as a by-product, not an event.
Client outcomes
Real transformations, not just case studies.
Moved from Sage to Xero and supported with Fractional CFO work through a management buy-out: significant change in both systems and ownership.
Solum SW Ltd
From employee, through redundancy, to running a £1.5m business. Forecasting, tax planning, monthly meetings and personal tax in one holistic relationship.
Ability Care Solutions Ltd
After 43 years with a compliance-only accountant: succession planning, restructuring, refinancing and bringing the next generation into the business.
Combers Limited
Services
The support we offer.
GROWTH
Fractional CFO support
Board-level financial leadership, without the full-time cost. Direction, forecasting and tax strategy.
See how CFO support worksControl
Financial Controller support
Reporting and control you can actually trust, on time, every month.
Improve financial visibilityFoundations
Operational Finance support
Accurate, up-to-date books that everything else is built on.
Build stronger finance foundationsFAQs
Common questions from owner-managed businesses.
Want to know how your business is really performing, and what to do next?
No jargon, no pressure. Just a clear, honest look at your numbers and a plan to move forward. Let's start with a deep dive.
Resources
Resources for owner-managed businesses.
When your business has outgrown year end accounting: what a Fractional CFO actually does
A Fractional CFO gives growing businesses senior financial leadership without the full-time salary. Here is what one does and how to know if you need one.
Profit, cash and tax: the three numbers every business owner should understand
Most owners track one number when they should track three. Here is how profit, cash and tax connect, and why seeing them together changes your decisions.
Turning business profit into personal wealth: where to start
Profit in the company is only useful if it eventually becomes personal wealth. Here is how to think about extraction, tax and long-term planning.