Filings & finances
Accounts, charges, officers, filing dates — statutory, free, nine years deep. Margin drift and borrowing behaviour live here.
Business diagnostics for UK SMEs
The evidence is already public.
I read the public record — Companies House, planning, rateable values, Land Registry, ONS — and cite every finding to its source. Start with the free scorecard, or read the sample report first.
Start here · free
Score your business
Twelve questions, from memory. Your three weakest areas, named.
Free · no sign-up
See the deliverableRead the sample report
A worked Health Check — tiles, charts and the findings register.
Free · 5 minutes
The practiceFive diagnostics, priced
From the £450 Health Check to the monthly intelligence watch.
£450 – £7,500
What one register shows gross margin from filed accounts · illustrative sample
Companies House · hover the points
What another shows rateable value vs the units either side · illustrative sample
VOA rating list · hover the bars
Free diagnostic scorecard
How much of your business is guesswork?
Twelve questions, answered from memory. Nothing stored, nothing sent anywhere — the scoring runs entirely on this page.
0
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Your three weakest areas
Each one below names the register that settles it. These are public, and in most cases free — you are welcome to go and read them yourself.
What this score is not. Every answer above is your own account of your business, so this measures how well evidenced your decisions are — not how the business is performing. A high score means you are working from facts you can point at. It does not mean the facts are good ones. The registers are what turn an answer into evidence, and this page has not read a single one of them.
Sample report — Business Health Check
Wrenfield Joinery Ltd, worked through.
Wrenfield is fictitious — every figure is invented. The structure, method and citation format are exactly what the £450 report delivers.
−4.2 pts
gross margin over three filed years
Accounts FY22–FY25
1 new
all-monies charge over the only freehold, Mar 2025
MR01 · 0482 7719 0003
5 → 12 mo
accounts filed ever later after year end
Filing history 2022–25
0
charges at the nearest competitor, five years running
Hollowbeck charges register
Gross margin, side by side Wrenfield vs Hollowbeck Interiors · %
- Wrenfield Joinery
- Hollowbeck Interiors
Months from year end to filing later every year — discipline slips before the numbers do
FY25 filed twelve days before the statutory deadline
·
The findings register
Claim · source · date read| No. | Claim | Source | Date read |
|---|---|---|---|
| 01 | Gross margin fell 31.8% → 27.6% over FY2022–FY2025 | Full accounts ×4, Companies House | 24 Aug 2026 |
| 02 | All-monies fixed charge over 4 Fenwick Trading Estate | MR01, charge 0482 7719 0003 | 24 Aug 2026 |
| 03 | Accounts filed 5 → 12 months after year end, worsening yearly | Filing history 2022–2025 | 24 Aug 2026 |
| 04 | Hollowbeck Interiors: rising cash, nil charges, five years | Hollowbeck full accounts FY2021–FY2025 | 24 Aug 2026 |
| 05 | Gable End Fit-Out unreadable beyond officers and charges | Micro-entity accounts FY2023–FY2025 | 24 Aug 2026 |
The full sample, with the written findings, is at /sample-report
Services & prices
Five ways in, priced straight.
Fixed quotes before any money moves. Founding rates held for the first ten clients.
| Diagnostic | Price | Turnaround | Registers read | Best for | |
|---|---|---|---|---|---|
| Diagnostic Scorecard | Free | 5 minutes | None — self-assessed | Finding out where to look first | Take it → |
| Business Health Check | £450 | 5 working days | Companies House, 5 years, you + 3 rivals | A fast, cited read of the filings | Details → |
| Location & Market Intelligence | £1,200 – £2,500 | 2–3 weeks | Planning, VOA, ONS, open registers | A move, a second site, a lease | Details → |
| Deep Diagnostic | £4,000 – £7,500 | 3–4 weeks | All six, every site in scope | A sale, purchase, refinance or turnaround | Details → |
| Intelligence Retainer | £400 – £900 / mo | Monthly note | Your watchlist, read monthly | Hearing about changes first | Details → |
Every engagement, the same rule. If a finding cannot be cited to a public document with the date it was read, it does not go in the report.
The evidence base
Four registers, one method.
All public. Most free. You are welcome to read them yourself — the practice is knowing what to look for.
Premises & pipeline
Every planning application, published months before the street changes — and the rateable value of every commercial unit.
Property & tenure
Owner, price paid, tenure and every charge — £7 a title. Your landlord's position at renewal is a matter of record.
Market & catchment
Census households, spend by category, competitor density — a number where "the area feels busy" used to be.
Get in touch
Tell me what you're trying to decide.
A move, a rival, a lender, a purchase. I will tell you straight what the record can and cannot settle — before you commit to anything.
30 minutes, free. Email two or three times that suit you and what you are deciding; you get a straight answer on whether the record can settle it, and a fixed quote if it can.