There’s money hiding in your numbers.
In 30 minutes, we guarantee to find it.
Simon Wahab, ACCA, reads your real numbers and shows you at least two places your business is leaving money, in writing, before the call ends. Free, with no pitch.
Reviewed by Simon Wahab, ACCA
Commercial Finance Director · 20+ years
“Simon spotted a major flaw in our tax planning and saved us considerable money.” Richard Cooper, Mobility Centre
Does any of this sound like your week?
Monday morning, before the emails, before the first site call. You check the bank. The number is lower than it should be. You had a decent month. You know you did.
The bank never matches the month
You had a good month. You know you did. The number in the account quietly says otherwise, and nobody can tell you why.
Every job priced on feel
Some jobs make money. Some lose it without you noticing. No one has ever shown you how to read it job by job.
No one in your corner
Your bookkeeper keeps it tidy. Your accountant files the year-end. Neither is there for the bank conversation or the next hire.
Decisions made blind
The calls that cost you this year felt right at the time. They were just made without the numbers sitting behind them.
There is a gap between what your accountant does and what a commercial Finance Director does. That gap is where the cost builds up quietly, and almost nobody at your size has ever had someone there to close it.
Compliance vs. commercial
Your accountant files. Simon reads the business.
Your accountant is good at what they do. They keep you compliant, file your returns accurately, and tell you what happened last year. That job matters, and they are right to do it.
But there is a second job. Whether your pricing will hold up next quarter. Whether the business can carry a new hire for three months before they bring in a penny. What your cash really looks like in 90 days, not at year-end. What story your books would tell a buyer if it ever came to that.
A commercial read on the same numbers your accountant already has.
In most service businesses your size, nobody is doing that second job. Not your bookkeeper. Not your accountant. Simon does.
Your accountant
- Looks backward, at last year’s numbers
- Compliance and filing
- Tells you what happened
Simon
- Looks forward, to the next decision
- Commercial reads and priorities
- Tells you what to do about it
The businesses Simon knows inside out
Twenty years of reading the numbers behind service businesses means Simon tends to understand how yours makes and loses money before you have finished explaining it. These are the sectors he works in most.
Construction & trades
Retentions, CIS and jobs that look profitable right up until the final account. Simon reads the margin job by job.
Recruitment
Contractor pay runs, IR35 and the cash gap between placing someone and actually getting paid for them.
Property & development
Scheme cash flow, finance costs and knowing a project’s real return before you commit to it.
Technology & IT
Recurring revenue, R&D claims and pricing that keeps pace with how fast you are actually growing.
Hospitality, professional services and fire safety too. If you run a service business, Simon has almost certainly read a set of books that looks like yours.
Three steps. 30 minutes. Something written at the end.
Book your slot in two minutes
Choose a time and share your P&L and management accounts, or whatever you have to hand. No prep needed. Simon reads everything before the call.
Simon reads your numbers
This is not a discovery call. Simon has already gone through what you sent. The session is a commercial analysis, the same read a Finance Director would give any business at your stage.
You leave with something written
At least two specific places your business is leaving money on the table. Named, in plain English, in writing. Yours to keep, whether you ever work with Simon again or not.
Simon opens only a handful of slots each month, because he reads the numbers before every one.
Free. No obligation. No pitch.
Built for owner-run service businesses
If you run a service business turning over £500k to £2m, Simon has almost certainly read a set of books that looks like yours.
Construction, recruitment, hospitality, property, fire safety, professional services. The numbers rhyme, and the wins are usually hiding in the same few places.
What Simon’s clients say
Property development
“After a few meetings with Simon, I felt relieved and on top of my accounting responsibilities.”
Boran Hussein
Opus Developments Ltd
Carpets & flooring
“I wanted an accountant that understood my business and could talk to me in plain English.”
Steve Smith
SGS Carpets
Verbatim from clients of Simon & Co (simonandco.co.uk). Individual results vary based on each business’s own numbers and situation.
Simon Wahab
ACCA · Commercial Finance Director
The person reading your numbers
Simon Wahab · ACCA · 20+ years as a Finance Director
For over twenty years, Simon has been the Finance Director that service businesses in England call when the numbers stop matching the effort. Construction, M&E, hospitality, recruitment, professional services. He has read the books of businesses from £500k to £2m and well beyond.
He is not an accountant. He does not file your returns or pore over last year. The commercial FD job is to read your real numbers and tell you what they mean for the decision in front of you this quarter. What to charge. Whether to hire. How much debt to carry. When the timing of your cash is going to bite, before it does.
In all that time, he has never sat down with a service business at this size and found nothing. The business looks fine from the outside. Read commercially, the numbers almost always tell a more specific story.
Simon only takes three or four of these reviews a month. Each one starts with him sitting down with your real numbers beforehand, and that is not something he can do with an open diary.
No migration. No new software.
Simon works inside the tools you already run on
Already on Xero, QuickBooks or FreeAgent? Good. Simon reads what is already there. Nothing to move across, nothing new for your team to learn.
Here’s our guarantee, in writing
In 30 minutes, we guarantee to show you at least two places your business is leaving money on the table, and to give it to you in writing before the call ends.
Based on the information you share. Every business is different.
- The written summary is yours to keep.
- No pitch. No obligation. No follow-up invoice.
- The session is free.
A full-time Finance Director costs £95,000 to £150,000 a year. This costs you 30 minutes.
This is a commercial advisory session, not regulated financial advice. Simon & Co (Simon Wahab, ACCA) is not authorised or regulated by the Financial Conduct Authority.
Common questions
A few things you are probably thinking
Your accountant’s job is compliance: filing your returns, keeping you legal, telling you what happened last year. They do that job well, and it genuinely matters. Simon does a different job. He looks at whether your pricing will hold up next quarter, whether the hire you are weighing is something the cash can actually carry, what your real margin looks like by type of job, and what your numbers would say to a buyer if it ever came to that. Most businesses your size have a compliance function but no commercial one. That gap is the job Simon does.
You have probably sat through enough free sessions that turned into an hour of being softened up for a proposal. This is not one of those. Simon reads the numbers before you arrive. You leave with a written summary of the three things he would fix first, and that summary is yours to keep. There is nothing to sign and no pitch at the end.
The review is free. No charge now, no charge after. Simon takes on a small number of deeper engagements each year, and this session is how the two of you decide whether there is a fit worth pursuing. If there is not, you still leave with a written note of what was found. No invoice follows it.
Basic is fine. A P&L and a rough sense of the cash position is enough to start. Simon has run useful sessions off less than that. You do not need polished management accounts or a formal report. Bring what you have.
The businesses that need commercial finance oversight most are rarely the ones with a cushion. They are the ones where one wrong hire, one mispriced contract, or one slow-paying client genuinely hurts. At £800k turnover there is less room for error, not more. If you turn over between £500k and £2m and you have a bookkeeper but no Finance Director, this session was built for exactly where you are.
Two minutes to book. Nothing to prepare on your side. You share your last few months of accounts once you have a slot, and Simon does the reading. You turn up. That is the division of labour.
Book your free 30-minute review
Tell Simon a little about your business. He’ll email you within one working day to arrange your review and tell you which numbers to bring.
ACCA ACCA-qualified · Your details are never shared · No pitch, ever
Based on the information you share. Every business is different.