financial-health-check-2 – Dynamic Business Consultancy

Strategic Financial Advisory

Business Growth & Financial Health Check

Your business is generating revenue. But somewhere between income and profit, money is disappearing. We find exactly where — and tell you precisely what to do about it. Report delivered in 5–7 working days.

🏥 Care Homes

🏠 Domiciliary Care

🍽️ Hospitality

👶 Nurseries

🎓 EdTech

SOUND FAMILIAR

You're Working Hard. The Numbers Don't Add Up.

These are the financial challenges we see consistently across businesses in these sectors. If any of these sound familiar — a Financial Health Check is exactly what you need.

Revenue looks fine. The bank account tells a different story.

Your care home is 85% occupied. Your restaurant is fully booked every weekend. Your nursery has a waiting list. Your courses are selling well. Yet at the end of every month, there is less money than there should be. The revenue is real — but something between income and profit is broken. And nobody has told you what it is.

Staff costs are going up and I can't see exactly where.

Agency fees draining your care home. Kitchen overtime quietly doubling your labour bill. Nursery ratio cover costing more than budgeted. Training delivery eating into your EdTech margin. Staffing is your single biggest cost — and the one with the most hidden leakage.

77% of UK care providers are currently depleting their reserves just to stay operational. Source: Care Provider Alliance, 2025

I'm delivering the service. But losing money on parts of it.

Some care residents cost more to support than the council pays. Some restaurant dishes lose money after food cost and platform fees. Some nursery funded hours cost more to deliver than the government reimburses. You are working for nothing on parts of your business — and you don’t yet know which parts.

Loss of £1–£5 per hour on government funded nursery hours — turning into tens of thousands annually. Source: Ceeda / NDNA Funding Research, 2024

We're growing. But profit isn't following.

More clients, more revenue, more complexity — but margins are shrinking rather than growing. This is almost always unmanaged cost creep that grows silently as the business scales. Every owner in this situation has the same reaction when shown the numbers: ‘I had absolutely no idea it was that much.’

Independent restaurants operate on margins of just 4–6% in 2025. Source: UK Restaurant Industry Statistics, 2025

My accountant does the books. But can't tell me why.

Compliance and commercial insight are completely different things. Your accountant files the returns and tells you the tax bill. They don’t sit down with you and say — here is exactly where your money is going, here is what it means commercially, and here are the five things to fix first. That gap is costing you tens of thousands every single year.

I know something is wrong. I just don't know where to start.

Whether you run a care home, a restaurant, a nursery, a home care agency or an online training business — the feeling is the same. Busy. Stretched. Sensing that money is leaking somewhere. But without the financial visibility to know where to look or what to fix first. That is exactly what a Financial Health Check gives you.

20% of all UK restaurants currently have negative net assets and are technically insolvent. Source: Price Bailey / Restaurant Online, 2024

“We see this pattern consistently across care homes, domiciliary care, restaurants, nurseries and EdTech businesses. The industries are different. The profit leakage patterns are surprisingly similar. And they are almost always fixable.”

THE STRATEGIC DIFFERENCE

Beyond Numbers — A Commercial Profit Review

You built your business because you are good at what you do. Running a care home, a restaurant, a nursery, a training business. The operation works. People are being served. Revenue is coming in.

So why does the money never seem to add up?

The data across our five sectors tells a consistent and urgent story:

📊 28% of residential care companies are in financial distress — higher liabilities than assets.
Source: Opus Business Advisory / Company Watch, 2023

📊 20% of all UK restaurants have negative net assets and are technically insolvent right now.
Source: Price Bailey / Restaurant Online, 2024

📊 91% of nursery owners say financial pressures are now harming their personal wellbeing.
Source: NDNA Annual Survey, 2024

📊 EdTech platform commissions on Reed, Alison, Groupon and Udemy range from 50–80% per sale — making gross revenue deeply misleading.
Source: Platform published commission structures, 2024–2025

The problem is almost never the business itself. It is the visibility. Most business owners in these sectors have an accountant who handles compliance — but nobody who sits down with them commercially and says: here is exactly where your profit is going, and here is what to do about it.

That gap is what a Business Growth & Financial Health Check closes.

All documents shared with DBC are treated in strict confidence under our client confidentiality agreement.

“At Dynamic Business Consultancy, a Financial Health Check is a commercial profit investigation — not a reporting exercise.”

PROFIT LEAKAGE IDENTIFICATION

–Staffing cost overruns and agency overspend

–Missed charges and unbilled services

–Poor payer mix and funding underutilisation

–Platform commissions eating into net margin

–Overhead waste and supplier inefficiency

–Unclaimed funding and fee entitlements

Prioritised Action Plan

–5–8 recommendations ranked by commercial impact

–Quick wins you can implement immediately

–Longer-term structural improvements

–Written in plain English — no jargon

–Presented in full during 45-min debrief call

–Supported by your actual numbers throughout

Who This Is For

Built for Five Industries. Tailored to Your Specific Financial Structure.

We don’t offer generic business advice. This Health Check is designed around the specific cost structures, funding models, and profit leakage patterns of your industry.

🏥

£520K–£3M+

Care Homes

Independent care home owners running 10–40 bed facilities. Rising staff wages, agency costs spiralling, local authority fee rates that haven’t kept pace with the National Living Wage, and CQC compliance costs that never stop growing.

22% of UK care providers are considering closure. 77% are depleting their reserves to stay operational.

Source: Care Provider Alliance Survey, 2025

“Your home is 85% occupied. So why is there never enough money at month end?”

🏠

£230K–£5M+

Domiciliary Care

Home care providers with growing care packages but shrinking margins. Travel time between visits, zero-hours contract complexity, high staff turnover and unpaid admin are silently destroying profitability.

The true operating cost per care hour in the UK now sits at £23.95 — yet council funding rates consistently fall below this figure.

Source: United Kingdom Homecare Association (UKHCA), 2025

“Do you know your actual profit per care hour — after travel time, admin and staff costs?”

🍽️

£200K–£2M+

Restaurants & Takeaways

Food business owners running one or more sites. Delivery platform fees, food cost inflation, rising wages and waste are eating your margin simultaneously. Most operators don’t know how much each platform or menu item is actually making them.

1 in 5 UK restaurants is closing every single week in 2025. Independent venues operate on margins of just 4–6%.

Source: CGA by NIQ / AlixPartners Hospitality Market Monitor, 2025

“Busy every weekend. Yet the margins just aren’t there.”

👶

£200K–£3M

Children’s Nurseries

Nursery owners running one or more settings. Government funded hours feel like income — but in many settings they are delivered at a structural loss. Most owners don’t know which children, sessions, and funding streams are making or losing them money.

91% of nursery owners say financial pressures are harming their wellbeing. Many settings deliver funded hours at a loss of £1–£5 per funded hour.

Source: NDNA Annual Survey, 2024 / Ceeda Funding Research

“We’re full. The waiting list is long. But something about the numbers doesn’t make sense.”

🎓

£200K–£3M

EdTech & Online Training

Online course creators and e-learning businesses selling through platforms including Reed, Alison, Groupon and Udemy. Platform commissions of 50–80% can make your gross revenue look deeply misleading. Course creation costs, fulfilment, and multi-channel complexity compound the problem.

Platform commission rates from major e-learning marketplaces range from 50–80% of gross course revenue — fundamentally distorting net margin visibility.

Source: Reed, Groupon, Alison, Udemy published platform structures, 2024–2025

“You might be doing £2M in course sales — but only seeing £450K of it. Do you know where the other £1.5M is going?”

CORE ADVISORY SPECIALISMS

Six Areas. Every Number Examined.

We go through your business finances in detail across six core commercial areas. This is not a surface review — it is a deep commercial examination of your actual numbers against real industry benchmarks.

Financial Health Review Areas

Revenue Integrity & Fee Rate Analysis

Are you charging the right rates and capturing every penny owed?

Staffing Cost & Agency Spend Review

Where is hidden labour cost eroding your margins?

Overhead & Supplier Benchmarking

Are you paying above market rate for key supplies?

Cash Flow vs Profit Gap Analysis

Why revenue and cash rarely tell the same story.

Funding & Fee Optimisation

Unclaimed entitlements and missed income streams.

Operational Health Review Areas

Capacity & Occupancy Utilisation

Are you maximising billable time, beds or sessions?

Labour Efficiency & Rota Review

Identifying scheduling waste and productivity gaps.

Platform & Channel Cost Review

What delivery platforms are actually costing you in net margin.

Departmental Cost Allocation

Which areas are profitable and which are subsidised?

Waste & Inefficiency Identification

Hidden operational leakage across the business.

WHAT YOU RECEIVE

Growth & Strategic Health Check

Every Health Check Includes

HOW IT WORKS

Six Simple Steps

Free Discovery call

A free 20-minute conversation about your business — no commitment required. We’ll identify where we can help before you spend a penny.

Confirm & Pay Securely

Confirm the scope and pay securely online via Stripe, PayPal or bank transfer. Simple and straightforward.

Send Your Documents

Send us your last two years accounts, recent bank statements and a short questionnaire — all treated in strict confidence.

Full Commercial Analysis

We conduct the full commercial analysis across all six areas — deep examination of your actual numbers against real industry benchmarks.

Report Delivered

Your branded DBC report delivered within 5–7 working days. Written in plain English with clear prioritised recommendations.

45-Minute Debrief Call

We walk through every finding together and agree next steps — supported by your actual numbers throughout.

Investment

Choose the Right Level for Your Business

Three tiers based on business size. All include the same rigorous six-area commercial analysis, written report and debrief call. Discovery call is always free — no commitment required.

🔥 Special rate — limited availability

ESSENTIAL

Essential

For businesses with £500K–£1M turnover

£497£797

Businesses in this sector typically recover £10,000–£50,000. Your investment starts here.

– Full six-area commercial analysis
– 10–15 page written report
– Profit leakage summary in £££
– Industry benchmark comparison
– RAG status across all six areas
– Top 5 prioritised recommendations
– 45-minute debrief call
– Delivered in 5–7 working days

⭐ Most Popular

Growth

For businesses with £1M–£3M turnover

£997

Businesses in this sector typically recover £10,000–£50,000. Your investment starts here.

– Full six-area commercial analysis
– 10–15 page written report
– Profit leakage summary in £££
– Industry benchmark comparison
– RAG status across all six areas
– Top 8 prioritised recommendations
– 45-minute debrief call
– Delivered in 5–7 working days
– 90-day improvement roadmap

Commercial

For businesses with £3M–£5M turnover

£1,497

Businesses in this sector typically recover £10,000–£50,000. Your investment starts here.

– Full six-area commercial analysis
– 10–15 page written report
– Profit leakage summary in £££
– Industry benchmark comparison
– RAG status across all six areas
– Top 8 prioritised recommendations
– 45-minute debrief call
– Delivered in 5–7 working days
– 90-day improvement roadmap
– 30-day follow-up check-in call

All prices exclude VAT. Payment accepted via Stripe, PayPal or bank transfer. All client documents handled in strict confidence.

Expert Guidance from a Strategic Partner

Led by ACCA-Qualified Professionals with 20+ Years Experience

Our team is led by ACCA-Qualified professionals with over two decades of experience in senior leadership and commercial restructuring. We don’t just crunch numbers; we understand the burden of directorship because we have been there ourselves.

Get Started

Ready to Find Out Where Your Profit Is Going?

Start with a free 20-minute discovery call. No commitment, no pressure — just a straightforward conversation about your business and where we can help.

No obligation. Complete confidentiality guaranteed.