Business Services
Accounts Preparation
We can prepare your accounts as frequently as you require either from your records and documents or from your trial balance. They can be year-end accounts, management accounts or any other accounts you may require.
Auditing
We are registered by the Institute of Chartered Accountants to carry out audits. Whilst companies with annual turnovers of less than £5.6m may not be required by law to have their accounts audited, many shareholders and lenders take comfort from the assurance that an audit provides.
Bookkeeping
We can do your bookkeeping for you either by visiting your offices or by you letting us have your records. If you want access to your bookkeeping records, you can view the accounting records on our on-line software and you can refer to the source documents that are filed in your private area of our document management system. If you want to do your own bookkeeping, you can still use our software by logging on through the web-site to your own private area. You then have the benefit of not worrying about accounting software, whilst at the same time allowing us to review your figures with you.
Budgeting
We can help you prepare your budgets, be they for management purposes, or part of a business plan or for your lifestyle.
Business Plans
We like our business clients to know where they are going and so we encourage them to write business plans; and of course help them to do so.
We know that businesses with written plans are far more likely to be successful than those without. We recommend that the business plan not only sets out your vision and your objectives, but how you will accomplish them. So we would want you to consider your sales, your marketing, your production, your team and your finances. You may well find that different parts of your plan will be useful to different stakeholders, for example your investors, your suppliers or your team: the Investors In People national standard recommends you share your plan with your team so that they have a clear understanding not only of where the business is heading, but also their role in it.
Business Consultancy
We love talking business with you and really understanding how your business works. Our years of experience have been enhanced by our membership of the international consultancy organisation, Mindshop, which provides us with the best consultancy and problem-solving tools around: which we use to benefit your business.
Check out our diagnostic questionnaires
Capital Gains Tax Planning
So much more than just using your annual exemptions! By really understanding your affairs, we will be able to ensure you are organised in the best way to make the most of the available reliefs and pay the least amount of tax.
Cash-Flow Forecasts
Plan for your cash-flow needs by producing forecasts: and then compare actual results to the plan. Always a key management tool and often required by banks and other lenders for borrowing purposes. They allow you to stay firmly in the driving seat.
Corporate Tax Planning
We can advise you as to the best ways to extract profits from your business, taking into account your short and long-term objectives and needs as well as the Revenue's current hot topics.
Document Management
If you're limited for space and don't know what to do with your records, we can have them scanned and then file them electronically on our document management system. You'll have access to them 24/7 via your private area of our web site. This service can also be used as part of your business contingency planning. Ultimately, it can speed up your working processes and you will never loose that file!
Due Diligence
If you are interested in investing in another business, you should first make certain enquiries. Our due diligence programs can be tailored to your needs and ensure nothing is over-looked.
Exit Routes
We encourage our clients to consider their exit routes from an early stage; it helps them to think about why they're in business and their long term objectives. Tax and financial services planning play a big part in this.
Financial Services
We try to take a holistic approach to financial services, first having a full understanding of your business and personal needs and objectives, before addressing specific concerns. The financial services team Re-Financial Planning Limited work closely with our tax experts so that you have the best of both worlds.
Growth and Profit Solutions
We can advise you as to how to grow your business profitably, whilst at the same time making sure your personal objectives are met. We follow the tried and tested processes developed by international business consultancy organization, Mindshop, to ensure your best chance of success.
Check out our diagnostic questionnaires
Investments
Our financial services team ensures they fully understand your investment criteria before offering advice.
Management Accounts
We produce management accounts for clients, comparing results with prior periods or against budget. We can make the information more pertinent by including key performance indicators, which focus on the major drivers of your business.
Mergers and Acquisitions
For over 20 years we have helped our clients make successful business acquisitions, taking into account valuations, business objectives, tax planning and exit routes.
Mortgages and Insurances
Our financial services team includes a mortgage specialist who can ensure you have the right products for the right length of time.
Online Services
We aim to be in the forefront of technology so that you can benefit from the efficiencies available. We currently offer the following on-line services:
Accounting
We subscribe to Sage On-line, which combines Sage Line 50 with the power of the internet. The system can allow us to have simultaneous access to your accounting records from multiple locations, allowing us to really be part of your team, whilst saving you the aggravation of updates and even back-ups!
Start Sage Online
Document management
You can have access to your accounts, tax returns and even correspondence between us by logging on to your private area of our system: all you need is a password and some basic guidance. So if you’re with your bank manager or working overseas, so long as you have web access, you can get hold of your important documents. The system even lets you save your own documents, either to share them with us or simply because you want to store them safely and have access to them when and wherever.
Start Document Manager
HR manager
HR manager helps you comply with employment law by providing you with an employee handbook, employer’s guidance notes and standard forms, letters and action points.
Please contact Robert Glazer (rob@ripefinancial.com) for subscription details.
Outsourcing
We can act as your outsourced finance department, providing services ranging from creating invoices, generating cheques and chasing debts through to simply bookkeeping.
Payroll
Our payroll services include the preparation of weekly, monthly or annual payrolls, completion of end-of year returns (P35's) and completion of annual benefits (P11d's). We can help you with questions over maternity, sick pay and general HR matters.
Pensions
Our financial services team Re-Financial Planning Limited can advise you as to which is the best pension for you. We can review your current policies, rationalize your affairs and ensure that your pension plans match your long-term objectives.
Profit and Loss Forecasts
Want to know what your results are likely to be in the year ahead or in 3 years time? Whilst no one knows for sure, you'll have a better idea of where you're heading if you produce forecasts! They help you to take the right actions now.
Selling Your Business
For years, we have helped clients to sell their businesses and sometimes for many, many millions! But in any scenario, we make sure you do it right, bearing in mind tax and personal objectives and liaising with the legal teams.
Solicitors Account Rules Audits
We are experienced in carrying out the solicitors account rules audits.
Start Ups
We enjoy working with business start ups, making sure they have the right structure, systems and plans. Read more information here. We offer special discounted rates for business start-up's.
Strategic Planning
We use best practice tools, as developed by international business consultancy organization, Mindshop, to help you develop the strategies (for example on sales, marketing, waste, HR etc) to ensure your business has the best chance of success.
Check out our diagnostic questionnaires
Tax and Paye Investigations
No-one likes a tax investigation, but we're all susceptible to them, especially with the Revenue's random selection. We help our clients through the experience by explaining the tax law, (what's allowed, what isn't,) whilst at the same time liasing with the Revenue so they fully understand our client's position, trying to achieve the best result for our clients.
VAT Planning
We use the services of our former colleague, Simon Levine, to make sure you are covered for a tax that is often most complex and least understood.
VAT Returns
We not only take away the burden of completing your VAT returns (on time), but we also advise you on which VAT scheme is most suitable for you.
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