“In four decades of advising businesses, one thing has never changed — the strongest firms are those that understand their numbers, act decisively, and plan ahead. The Financial Health Review gives you the clarity and direction to do exactly that.”
— Nigel Holland, Principal, Holland & Co Chartered Accountants
Financial Health Review
Grow Profit, Improve Cash Flow, Reduce Tax
A practical, plain-English review of your business’s performance, risks and opportunities — prepared personally by Nigel Holland, BA (Hons), FCA.
Increase profit, strengthen cash flow and pay no more tax than necessary. Your Financial Health Review (FHR) distils what’s really happening in your numbers and your operations, then gives you a prioritised 90-day action plan to execute.
Book Your Financial Health Review
Request a Sample Report
40+ years advising North West businesses
Current VAT registration threshold: £90,000 — reviewed for pricing and cash-flow impact
100% actionable recommendations in plain English
What You Get (At a Glance)
• Profit and cash diagnostics: margins, breakeven, debtor days, stock turns, creditor terms, and quick wins for profit uplift.
• Tax planning and efficiency: remuneration mix, pensions, reliefs, R&D, capital allowances, loss relief planning.
• Structure review: Sole trader vs Ltd — side-by-side tax and admin pros/cons with real numbers for your situation.
• Website and growth review: content quality, SEO performance, user experience, conversion optimisation, accessibility, and AI access/readiness.
• HR and legal essentials: contracts of employment, handbook pointers, and key compliance prompts.
• 12-month cash forecast guidance with stress-testing notes.
• A prioritised 90-day action plan and a follow-up check-in.
Who It’s For
• Owner-managed limited companies and sole traders who want clarity and momentum.
• Businesses approaching or exceeding the £90,000 VAT threshold and needing pricing/cash-flow optimisation.
• Teams ready to tighten debtor control, refine pricing, and implement practical tax-saving steps.
What’s Included (Full Detail)
Performance & Finance
• Revenue, gross margin and overheads with breakeven and sensitivity analysis.
• Cash conversion cycle: debtor days, credit control, supplier terms, stock cycle and reorder discipline.
• Pricing and mix levers: quick wins, margin mapping, and product/service rationalisation.
• 12-month cash-flow forecast framework with stress-tests and scenario notes.
Tax Efficiency
• Director salary/dividend mix with pension planning and allowances.
• Reliefs and incentives (incl. R&D where applicable), capital allowances and loss relief planning.
• Extraction strategies aligned to your growth and investment plans.
Business Structure
• Sole Trader vs Limited Company: clear comparison of tax payable, NICs, admin burden, risk, and funding flexibility.
• Recommendation with calculations tailored to your circumstances.
Website & Growth (including AI Access)
• Content quality and authority signals, SEO baselines and priorities.
• User experience and conversion optimisation (forms, booking flows, trust elements, load time).
• Accessibility checks and fixes.
• AI access/readiness: can prospects and clients self-serve key answers? Are chat/assist flows or AI tools appropriate for your site and processes?
HR Considerations
• Contracts of employment: review status and key clauses.
• Handbook and policies: essentials and gaps.
• Payroll, holiday, and sickness processes that affect costs and compliance.
Tools & Systems
• KashFlow bookkeeping promotion: benefits, set-up review and workflow suggestions to tighten invoicing, debtor control and reporting.
• Reporting pack: monthly dashboard and cadence to keep you on track.
Deliverables
• Written Financial Health Review report.
• 60–90 minute review meeting (in person or video).
• Prioritised 90-day action plan.
• Follow-up check-in to track progress and unblock issues.
How It Works
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Discovery: You share last year and current-year-to-date figures, plus any specific concerns.
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Review: I analyse performance, tax, structure, website/AI, HR and systems.
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Meeting: We walk through findings and agree the action plan.
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Implementation: You execute — with my support as needed.
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Check-in: Short follow-up to measure traction and adjust.
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Pricing
Fixed-fee FHR packages, scoped by turnover and complexity. You’ll receive a fixed quote before we begin.
Why Work With Nigel Holland
I’ve advised North West businesses since 1986. Every FHR is prepared personally — no generic templates, just straight, commercially focused advice to grow profit, improve cash flow and reduce tax.
FAQs
Q: How quickly can we start?
A: As soon as we receive your latest accounts and a brief questionnaire, we can begin.
Q: Will I get tax-saving recommendations?
A: Yes — the review includes remuneration planning, pensions, allowances and reliefs relevant to your position.
Q: Do you compare Sole Trader and Limited Company with numbers?
A: Yes — you’ll see a clear side-by-side comparison of tax and administrative implications tailored to you.
Q: Do you cover website, SEO and AI?
A: Yes — we assess content, SEO, UX, conversion, accessibility and AI access/readiness, with specific fixes and next steps.
Q: What software do you recommend?
A: Where appropriate, we recommend KashFlow and set out a simple reporting cadence to keep you in control of cash and profit.
Call to Action (Footer)
Book Your Financial Health Review
Or request a sample report to see the depth and clarity you can expect.
Contact
Holland & Co Chartered Accountants
102 Widnes Rd, Widnes, Cheshire, WA8 6AX
Tel: 0151 420 6666
Email: nigel@hollandandcompany.co.uk
