THE POWER OF FINANCIAL SYNERGY
Built for shopfitters, construction businesses & manufacturers
What do serious businesses do differently to achieve growth?
Firstly, they have a Finance Director or CFO to drive performance and ROI (Return On Investment).
Someone that brings clarity over guesswork, control over uncertainty, and supports decisions that shape the future – rather than just explain the past.
Because real progress comes from knowing what’s coming next: clear visibility of profits, clear control of cash flow, funding, and a plan that links today’s decisions to tomorrow’s results.
When you’re looking forward assessing growth potential, you don’t want more numbers you want the right ones.
Many business owners want to jump straight to strategy. Growth plans. New ideas. Bigger targets. But strategy without reliable numbers is not strategy, it’s guesswork. And, as the saying goes, you have to get the maths right.
That’s why we built our Virtual Finance Office – to create the financial foundation that serious businesses need, with the right numbers in the right order, (think of Eric Morecambe’s piano playing).
Because the big question is – what are the consequences of getting your numbers wrong and who pays the price?
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Being busy isn’t the same as being profitable.
If your shopfitting, fit-out, construction or manufacturing business is achieving strong turnover but you’re still feeling under pressure. Do you ask yourself why?
Because increasing sales alone doesn’t create strength. What matters is ROI: Profitable jobs, controlled costs, timely invoicing, strong cash collection, and clear forward planning.
Conversely, perhaps you know your numbers. And you know margins are strong. If that’s the case, what could be holding you back is poorly structured funding.
Without addressing all these, the pressure can grow as quickly as your turnover.
We help business owners by providing insights, advice, and best practices which enable them to make better decisions.
Want to know more? Visit the page dedicated to your sector:
Improve cash flow, increase profitability and build a more valuable business.
With the right expertise, strategy and systems in place, small financial improvements can drive substantial long-term growth – creating the financial freedom and flexibility that you set your business up to achieve.
Many businesses don't lack effort, ambition or opportunity. So, what's missing?
Your business probably already has strong operational knowledge, good people, great workmanship, good client relationships, plenty of demand and processes that are starting to take shape.
What’s usually missing is a clear financial model that ties everything together. You need clear links between site activity & profits, projects & cashflow, growth plans & funding needs. Because today’s decisions equal long-term value.
That’s where Blueski comes in
Through our Virtual Finance Office and Fractional FD support, we bring structure, clarity, and forward planning into your business. We help by understanding the challenges you face: factory and site coordination, labour overruns, materials waste, programme delays, variations disputes, cash flow whiplash – between paying suppliers and waiting to be paid.
Because, to grow, you need to improve job margins, tighten cost control, strengthen cash flow, forecast growth and fund it properly, and reduce reliance on you. You need to systemise, because a business that depends on you for everything cannot scale.
Working with us helps you to gain control and build a business that performs consistently, builds your wealth, and helps you to create the life you want.
What our Clients say...
Josef has been our Accountant for over seven years now and we very much view him as part of our team. During that time, he has always helped us and supported us with any challenges. He proactively helps us to improve our reporting and understanding of the numbers as our business grows, and he keeps a keen eye on our future and tax planning. Recently, his input has been invaluable helping us to get to real time reporting, which means we now feel we have complete control of the whole of the business’ Balance Sheet and Profit & Loss Account. This is a big help, because I now authorise with complete confidence the value of replenishments of our stock of vans, knowing exactly how much we can afford to spend. I highly recommend him and look forward to his continued support in the future.
Josef has been our Accountant since we set up our company, nearly 14 years. He is always on the other end of the phone when we need him, with a good ear & makes good suggestions. He is proactive in tax planning & tax advice, making sure we talk through the options before our year end. We make good profits & always have a healthy balance in our business bank savings account. Despite me being a little sceptical, he introduced us to QuickBooks & Dext. I haven’t used a computer since we switched over, using my mobile phone for everything, & spend zero time in the office. Brilliant!
Josef has been our Accountant since we Incorporated the company in 2008. In that time our building company has grown to a seven-figure turnover & regular six-figure profits. Josef has set us up with QuickBooks & Dext, we always know our numbers, and have a tax planning meeting before the end of the financial year to plan ahead for this overhead. Everything is always explained in a way we understand & we always know in advance how much tax we have to pay and when. There have recently been many fiscal changes in our sector, we always find out about these from Josef, and know about them before everyone else we work with. We have had two VAT inspections, both were handled without any fuss, with no adjustments made by HMRC. Because we import some materials to keep our customers’ costs down, we have had to address the problems of Brexit, which Josef has helped us solve. Josef is always helpful & available; he looks after us proactively, asking clear incisive questions & always comes up with good suggestions to problems. We highly recommend him.
Josef has been our Accountant since we set up our company, working in construction. He always has time for us and has set us up on QuickBooks & Dext; with his help bookkeeping, VAT and CIS compliance work is all done without any hassle. We greatly appreciate the tax planning & advice Josef and his team provide, and we are really happy to be able to pay ourselves without paying higher rate tax. Josef and his team are very helpful in other ways; providing references to secure mortgages for our homes (dealing quickly & effectively with any complexities raised by mortgage brokers & underwriters), he helps our Polish workers to get registered with HMRC, and has always sorted out any tax problems they’ve had, including a fully blown tax investigation. Recently he and his solicitor colleague have helped us get paid in full by difficult clients. I highly recommend Josef.
When I joined as MD all we had were sketchy unreliable accounts, often showing a loss, which were never ready for Board Meetings, a £1.2m bank overdraft, and no budget or forecast for the year ahead. We brought Josef in to help: two months later we no longer had an overdraft, we had a clear budget agreed by the Board, and Management Accounts to look at a week before the Board Meeting. I had exactly what I needed, and we saved thousands in interest & bank fees for the company & the group. When we lost a big customer along with a large percentage of our turnover, with it. Josef was unphased & rose to the challenge; we worked together spotting inefficiencies & cutting overheads, & re-forecasting every month. By doing this we still turned a profit and had money in the bank.
We brought Josef in to help because we need a strong financial expert in the team. When he arrived we had just been put on 60 days payment terms by our blue chip customers in our engineering company, our cash had dried up but we couldn’t understand why. Josef came in and immediately said ‘How important are we to our customers, can they easily find someone else? … Then shall we ask for stage payments on our big capital projects?’ We did exactly that, with 25 to 50% on order, even with 60 days from the invoice date we already had cash in the bank before we started the work. He implemented a system to invoice & send out the invoices as soon work was done, and suggested we ask our suppliers for 60 day payment terms; most agreed once they knew who our customers were. Two months later we no longer had an overdraft, instead we had over £250k in the bank and were making good profits.
When I joined the company, we were making losses every month, which wasn’t too serious because we were a servicing a big group. Josef came to me, and said ‘Tony, wouldn’t it be good to get the group Directors off your back? …’ Then he with the group IT Manager produced a report detailing the income, direct costs & gross profit (or loss) made by each and every asset, which we grouped into classes of assets. From that information we were able to set appropriate depreciation rates for each category, identify the assets which were underperforming & replace them. The company started to show a profit every month, and he was right, it made my life much easier.
Several years ago, Josef was instrumental in setting up our property company as a vehicle to finance our retirement, and also with helping to run the business in a tax efficient way. As we now head towards retirement and the risks associated with the advent of new powers to tenants, we decided to sell our property portfolio. He has shown invaluable expertise to help us structure the deal and achieve our goals. We highly recommend Josef.
Finding and getting a good, qualified, dependable accountant can be a mine field. As business owners, we wanted to find one that we could build a strong working relationship with. Using Josef Accountants is the best decision we have made, Josef and his team are not only knowledgeable but are also extremely meticulous in their goal to provide us with a service that we can and do rely on. The peace of mind that this brings cannot be stressed enough. I would not hesitate to recommend Josef!
Josef communicates with me very clearly, making sure I understand what to do in terms of my Limited Company, and that I’m always compliant with all my responsibilities. He is always very quick, helpful with ideas, and gives good advice. I highly recommend Josef and his company because you and your business really matter to them.
Josef has been our Accountant since we set up our company, working in construction. He always has time for us, responds quickly, VAT & CIS compliance work is all done without any hassle. He set us up on QuickBooks & Dext; with his help bookkeeping is easy, I use mobile phone for everything, & spend very time in the office. The tax planning he & his team provide is great, and we are really happy recommend him.
What are the numbers that actually drive your business?
Every business has key drivers – the few numbers that truly matter. These are the ones you can: influence, measure and improve. By focussing on these, you stop reacting and start controlling outcomes.
For project-led businesses, the numbers that matter are different. You need visibility over: Job profitability, Work in progress (WIP), Labour efficiency, Materials yield, Variations raised and recovered, Debtor days, Creditor days, Forecast cash flow and future workload and capacity.
You also can’t separate tax from the bigger picture. Tax and funding are not bolt-ons: they need to be built into the strategy. Managed properly, tax is a crucial lever to protect profit and assets, improve cashflow and help you to build long-term wealth.
When you understand and measure these properly, everything changes. You stop relying on outdated information and start running the business in real time.
You + Blueski Financial Synergy
Often the best results don’t come from one big change, but from consistent improvement in the drivers that matter. This brings about: stronger margins, better profits, and predictable cash through more informed and better decisions
Book your discovery call
Let’s talk about where your business is now and what it could become with more clarity, control ,and the right financial support behind it.
ARE YOU EXPERIENCING...
CASH FLOW PROBLEMS?
We help you get the basics right and understand them: know your numbers, systemise operations, source the best funding opportunities, accelerate customer payments, reduce costs, and protect your margins...
COMPLIANCE ISSUES?
Feel in the dark about your business, tax responsibilities, tax opportunities, and want to understand your numbers? We help to protect your profits, while giving you knowledge & peace of mind.
DO YOU WANT TO...
SCALE OR GROW THE BUSINESS?
To get more time, more profit, more freedom. We help develop a strategy, optimise operations, implement the financial systems you need to grow, and make sure you stay accountable and on track...
BUILD WEALTH AND FINANCIAL FREEDOM?
Build up the value of your business, begin exit planning, and make your business saleable for £Millions. Sound extraordinary? It's not: doing this is actually just good business practice.
OUR PACKAGES
Starting Out - Accounting & Tax
You are just starting out on your journey, excited about your future – but how and where do you register your business? What’s the best business structure?
There are many questions: we will always have your back and keep you compliant, but crucially, when you’re ready for more we’ll be there to support you.
Do you struggle with your accounts and waste a lot of time? And still not feel you’re keeping up? Are you always struggling with cashflow, or don’t know how much profit you’re making until you get your annual accounts?
You know your business isn’t achieving its potential, but can’t quite put your finger on what’s holding you back, and you don’t really know how the tax system works.
There is a better way: you can get help to see what your numbers are telling you and what they mean. If you really want to know what’s happening in your business you need to take a peek at your numbers at least once a month.
You can get to understand your numbers enough to manage cashflow, make sound business decisions, improve sales, profit and plan for how much tax you need to pay and when.
Let’s look at your business together, because you not only want to know where you are now, but also to achieve and fulfil your potential. We can help you understand and use your numbers. Help you with cashflow issues, and make sure you have the right funding in place, using strong proven strategies to help you.
Scaling Up - Virtual Finance Office (VFO)
Your business has grown to five or more employees and a big turnover: life is good. But you are still frustrated, working long hard hours, and there is still not enough money for the life you really want. But don’t worry, every single business hits a ceiling at some time in its business life, it’s a natural process, and you need someone to help you navigate your business journey.
What you need is a function finance team, including senior support, at a cost you can afford. You need the right people in the right place, because as a business owner you can only make so many decisions and solve so many problems.
You want to scale, to get more business, more profits, have more cash in the bank, plus the time and freedom to spend some of it. But with that success you will be understandably nervous about your tax bills: you need help to plan for & reduce your tax bill, and know how much is payable and when.
We can help you to craft a plan with milestones, track performance and challenge and chase you to make sure you get there. Because what gets measured gets done. Also, to really know what’s happening in your business you need to take a peek at your numbers at least once a month.
With that success comes more responsibility to your family, your team and their families, they all depend on you. What if something happens to you and you can no longer work? You can plan for that as well; we can help with our Financial Freedom & Exit package.
Wealth - Financial Freedom & Exit
Your best opportunity as a business owner to achieve financial freedom is to build a valuable business that you can sell. But how do you do that?
Whether you’re planning to exit your business soon or in the distant future, it is vital to consider exit planning. It safeguards your interests, and optimises the timing.
Statistics state that at least 50% of business owners are forced out. Usually by Distress, Disagreement. Disease, Divorce or Death. So, it’s also risk management.
You need a twofold strategy: Either Emergency Planning, what happens to your family and your team if you’re not around. Or, to build the value of your business, so you can step out when you want to.
You might want a business you can sell, to pass down to your children, or simply cash in on all that hard work when you want to stop working or do something else. So, you plan to cash in & maximise your return. instead of just shutting the doors & throwing all that hard work away.
We help you align your personal and financial goals with the business’s vision and grow personal wealth. This helps to make sure you never need to worry about running out of money, being able to do what you really want: the holidays, the house, the car, and spare cash.
To succeed, you will need a detailed plan, discipline and systems, and the right people around you, so you get the best return on the investment you deserve. Do it as quickly as possible, because life is short.
THE PLAN
1
BUILD YOUR OWN FINANCIAL ROAD MAP
2
REVIEW YOUR PROGRESS AGAINST THE PLAN
3
CONTINUOUSLY IMPROVE
4
MEET YOUR MILESTONES
You can look back on the financial year plan knowing that your profit, take-home pay, and the value of your business has increased, and whether you are on track to achieve your 3 or 5 year plan.