Keith Griggs | CFO (@ukcfo)

Do you know the common triggers for HMRC Investigations? #HMRCInvestigation #taxuk #tax #HMRC #accountant Do HMRC act reasonably? What do you think?

Experienced CFO with a proven track record of driving growth and maximizing value. Offers insightful financial strategies, data analysis expertise, and commitment to success. Trust me to be your strategic financial advisor and hire me as your CFO today. #CFO #FinancialExpertise #BusinessGrowth…

Seasoned CFO with strong track record of success. Expertise in financial strategy, data analysis and driving business growth. Trust me to be your strategic financial advisor. #CFO #FinancialExpertise #BusinessGrowth #accountant #businessadvisor #uktax

A 5 per cent price rise can lift your profit by 17 per cent, because the extra drops straight to the bottom line while your costs stay put. Price is the most powerful lever you own, and the one most owners are scared to touch. Underpricing? Let's talk. Link in bio.   #Pricing #FractionalCFO #CFO…

If you could watch one number a week, it should be a tiny dashboard: cash and your runway, sales versus target, margin and debtors. Check it every Monday and you'll feel trouble coming weeks early. A business you can see is a business you can steer. Link in bio.   #FractionalCFO #CFO #KPIs…

Most owners take money out of their own company the most expensive way possible. A modest salary plus dividends, with a careful eye on your director's loan account, is usually far kinder than a flat salary alone. If you're not sure of your mix, let's work it out. Link in bio.   #FractionalCFO #CFO…

If your team has ever built, improved or solved something technical, you might qualify for R&D tax relief and never realised. Most owners assume it doesn't apply and hand HMRC money they could keep. The first question is simply, could you qualify? Link in bio.   #RandD #TaxRelief #FractionalCFO…

Do you know your break-even number? It's your fixed costs divided by your contribution margin, and it tells you the exact sales you need just to keep the lights on. Once you know it, every pound above it is far more profitable. Most owners have never worked it out. Link in bio.   #FractionalCFO…

You were never meant to carry the money side of the business on your own, and quietly guessing is costing you more than help would. The owners who scale calmly didn't get smarter, they just stopped doing it alone. Tired of guessing? Free call, no pitch. Link in bio.   #FractionalCFO #CFO…

Your annual budget won't save you. What keeps you solvent is the next thirteen weeks. A rolling 13-week cashflow shows the tight patch coming while there's still time to act calmly. Businesses fail on a Tuesday they didn't see coming. Link in bio.   #Cashflow #FractionalCFO #CFO #CashflowForecast…

You can add six figures to a business's value without touching the profit, because value is profit times a multiple, and the multiple is driven by risk. Clean accounts, recurring revenue and less owner-dependence all push it up. If exit is on your horizon, start now. Link in bio.   #ExitPlanning…

Which customer makes you the most money? If you said your biggest, you may have it backwards. The biggest account often has the keenest price, the most hand-holding and the slowest payment. Rank by profit, not size, and the picture flips. Link in bio.   #FractionalCFO #CFO #ProfitFirst…

Grown fast and guessing which work actually makes you money? Revenue hides it, margin reveals it, and most owners find out too late that their proudest client was their lowest earner. I build the gauge that shows margin by line. Want to see yours? Link in bio.   #FractionalCFO #ProfitMargins…

Profit is not cash. This business made a million in profit and still couldn't make payroll, because the money was tied up in unpaid invoices and stock. The faster you grow, the more cash it swallows. If you've never seen profit and cash side by side, start there. Link in bio.   #Cashflow…

Your accountant looks backwards. A CFO looks forwards. One tells you what already happened, the other tells you the wall you're heading for while there's still time to steer. Most growing businesses have the first and are missing the second. Link in bio.   #FractionalCFO #CFO #Cashflow…

There's up to £140,000 of inheritance tax relief a couple can lose without ever being warned, and from 2027 your pension could be the thing that tips you over the line and destroys it. If your estate is anywhere near £2m, this is worth modelling now. Link in bio.   #InheritanceTax #EstatePlanning…

From April 2027 the rules change and most unused pensions get pulled into your estate for inheritance tax. For the wrong setup, the combined effective hit can reach 64 to 67 per cent. Most business owners haven't been told, and the time to plan is now, not later. Free call, link in bio.   #CFO…

#selfassessment #tax #hmrc #money #accountant

Your year-end accounts are almost useless for running your business. They tell you what happened. Not what’s happening. And definitely not what’s about to happen. No monthly cash flow. No clarity on where profit comes from. No visibility on risk. Just a backwards-looking snapshot—usually months…

Your next hire will cost more than you think. A lot more. It’s not just salary. There’s NI. Pension. Holiday pay. Setup costs. And the biggest one? Time. Most hires don’t pay for themselves for 6–9 months. Which means you’re funding them before they add value. If your cash flow can’t handle that…

Winning every quote isn’t a good sign. It’s a pricing problem. If clients rarely push back, you’re probably too cheap. And over time, that quietly destroys your margins. No price increases. Copying competitors. Charging without knowing your real costs. It feels like growth— but it’s profit…

HMRC doesn’t start with a person. It starts with a system. Before anyone looks at your file, your business is already being assessed. Your lifestyle vs your income. Your margins vs your industry. Your VAT patterns over time. And if enough of it doesn’t line up? That’s when attention follows. This…

Growing your business can feel worse than staying small. More revenue. More clients. More staff. But somehow… less cash and more stress. That’s the part nobody warns you about. Because once you grow past a certain point, you can’t “see” everything anymore. Cash flow gets tighter. Margins start…

Two numbers. That’s all it takes. And most business owners don’t know either. Your break-even point—where you stop losing money. Your real margin—on what you actually sell the most. Not guesses. Actual numbers. Because without them, every decision is just a gamble. Pricing. Hiring. Growth. It…

Most business sales don’t fail at negotiation. They fail before an offer is even made. Buyers look for risk—and if they see it, they walk. Messy numbers. Too much reliance on the owner. No clear view of performance. Revenue tied to one client. And the biggest one? No credible future. If you…

Most small business owners are overpaying tax. Not because they have to—because no one showed them better. Taking everything as salary. Missing basic reliefs. Leaving it all until year-end. That’s exactly how the system ends up costing you more. By the time you look at it in April… It’s already…

Your bookkeeper might be costing you more than they’re saving. And you wouldn’t even know. Because the problem isn’t obvious—it’s hidden in the details. Late reconciliations. Wrong categories. Reports with no explanation. Everything looks fine… until your accountant fixes it—and you pay for it…

Investors don’t care about your pitch deck first. They check your numbers. Before the first meeting, they’ve already looked you up—your accounts, your structure, your cash. And most deals don’t fail in the meeting… They fail before it even happens. Messy accounts. Red flags in how money’s been…

Your accountant retiring might be the best thing that’s happened to your business. Most business owners panic. But in reality? You’ve just been given a reset. Because for years, you’ve probably been paying for the basics: tax returns, year-end accounts… and not much else. This is your chance to…

Mixing personal and business money is costing you. More tax. Higher accounting fees. Zero clarity on your actual profit. And it puts you on HMRC’s radar. It might feel harmless—but it creates confusion everywhere: in your numbers, your decisions, and your stress levels. The fix isn’t…