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Strategic Financial Advisory
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
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.
Your care home is 85% occupied. Your restaurant is fully booked every weekend. Your nursery has a waiting list. Your courses are selling well. Revenue is growing — yet at the end of every month there’s less money than there should be, and as the business scales, margins shrink instead of growing. This is almost always unmanaged cost creep that’s built up silently.
Every owner has the same reaction once shown the numbers: “I had no idea it was that much.”
Agency fees draining your care home. Kitchen overtime quietly doubling your labour bill. Nursery ratio cover costing more than budgeted. And it’s not just labour — some care residents cost more to support than the council pays, some restaurant dishes lose money after food cost and platform fees, some funded nursery hours cost more to deliver than the reimbursement covers.
Staffing is your single biggest cost, and you’re working for nothing on parts of the business you don’t yet know about.
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 year.
Busy. Stretched. Sensing money is leaking — without the visibility to know where to look.
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. Some EdTech courses generate strong gross sales on Reed, Alison or Udemy but zero net profit. You are working for nothing on parts of your business — and you don’t yet know which parts.
📊 Many nurseries deliver government funded hours at a loss of £1–£5 per hour — turning into tens of thousands of pounds annually.
Source: Ceeda / NDNA Funding Research, 2024
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. One unmanaged cost wipes out an entire month of profit.
Source: UK Restaurant Industry Statistics, 2025
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 — over 10,000 businesses — currently have negative net assets and are technically insolvent.
Source: Price Bailey / Restaurant Online, 2024
The problem is almost never the business itself. It’s the visibility. Most owners have an accountant who handles compliance — but nobody who sits down with them commercially and says exactly where profit is going, and what to do about it. The numbers for your specific sector are below.
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.
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
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+
22% of UK care providers are considering closure. 77% are depleting their reserves to stay operational.
£230K–£5M+
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
£200K–£2M+
1 in 5 UK restaurants is closing every single week in 2025. Independent venues operate on margins of just 4–6%.
£200K–£3M
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.
£200K–£3M
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
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.
Free Discovery call
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Confirm the scope and pay securely online via Stripe, PayPal or bank transfer. Simple and straightforward.
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Send us your last two years accounts, recent bank statements and a short questionnaire — all treated in strict confidence.
Full Commercial Analysis
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We conduct the full commercial analysis across all six areas — deep examination of your actual numbers against real industry benchmarks.
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Your branded DBC report delivered within 5–7 working days. Written in plain English with clear prioritised recommendations.
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We walk through every finding together and agree next steps — supported by your actual numbers throughout.
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
For businesses with £500K–£1M turnover
£497£797
⭐ Most Popular
Growth
Growth
For businesses with £1M–£3M turnover
Commercial
Commercial
For businesses with £3M–£5M turnover
£1,497
Our team is led by ACCA-Qualified professionals with over a 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.
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.
