Trusted Accountants in Welling Who Give You More Time, Better Cash Flow, and Peace of Mind
Discover How Much Tax You Could Save | Call: 020 3007 2700
Revenue is up. You’re busier than ever. Your calendar is packed with clients and projects.
So why does it feel like there’s never enough money left at the end of the month?
Here’s what’s really happening:
Your profit margins are thinner than they should be – without proper financial analysis, you’re underpricing services, overspending on overheads, and leaving money scattered across inefficient processes
Tax planning happens once a year (too late) – by the time your accountant tells you about opportunities, the tax year has ended, and thousands in potential savings have disappeared
Cash is tight despite healthy turnover – invoices pile up unpaid, expenses hit at the wrong time, and you’re constantly juggling to stay liquid
Your accountant is invisible – they emerge at year-end with a bill and a tax return, then disappear for another 12 months. Questions go unanswered. Opportunities get missed.
Sound familiar? You’re not failing at business, you’re just lacking the right financial partner.
Let’s be honest about what inadequate accounting support means for your Sidcup business:
Your personal wealth isn’t growing as it should. Yes, the business turns over decent money, but how much are you actually extracting efficiently? Most business owners leave £10,000-£30,000 annually in potential personal income on the table through inefficient dividend/salary mixes and missed opportunities.
You’re making decisions in the dark. That new hire? That marketing spend? That equipment purchase? Without accurate management information, every decision is a gamble. Some will pay off, others won’t—but you won’t know why until it’s too late.
Time you’ll never get back. If you’re spending 5-10 hours monthly on financial admin, chasing receipts, reconciling accounts, and preparing VAT returns, that’s 60-120 hours per year. What could you achieve with an extra 2-3 weeks of productive time?
Competitors are moving faster. Whilst you’re waiting for last quarter’s accounts to understand profitability, competitors with better financial visibility are already pivoting, investing, and capturing market share. Speed matters, and financial clarity creates speed.
HMRC is getting stricter. The days of slack compliance are over. Making Tax Digital is just the beginning. Late submissions, errors, and inadequate record-keeping now trigger automatic penalties and increased scrutiny. One mistake can cost thousands and countless hours of stress.
Your work-life balance is suffering. Weekend bookkeeping. Evening invoice chasing. Late-night tax worries. Every hour spent on financial admin is an hour stolen from family, health, or actually enjoying the business you built.
The harsh reality? Without proactive, strategic accounting support, you’re working too hard for too little reward.
EFJ Consulting doesn’t do tick-box accounting. We do strategic partnerships.
We work exclusively with Sidcup business owners who are serious about building wealth, not just filing returns. If you want someone to process your books cheaply and disappear, we’re not for you. But if you want accountants who care about your success, challenge you to improve, and proactively drive your profitability, let’s talk.
Most accountants are historians; they tell you what happened last year. We’re strategists—we help you plan what happens next quarter.
Monthly Financial Intelligence
You receive clear, actionable management accounts every month. Not overwhelming spreadsheets, simple dashboards that show exactly where you’re making money, where you’re haemorrhaging it, and what to do about it.
Unlimited Expert Access
That question about the tax implications of a new structure? That quick sense-check on a potential investment? The advice you need before signing that commercial lease? You don’t wait days. You call, email, or WhatsApp us and get answers from qualified accountants who actually understand your business.
Forward-Looking, Not Backward-Looking
Yes, we handle your compliance brilliantly. But we’re obsessed with helping you plan ahead: tax-efficiency strategies, cash flow forecasting, and growth planning that keep you three steps ahead.
Tax Strategy Sessions (Quarterly)
We don’t do tax planning once a year. We do it continuously. Every quarter, we review your position, forecast your liability, and implement strategies to legally minimise what you pay and give you time to act, not just react.
Growth Planning & Forecasting
Want to hire? Expand? Launch a new service? We model the numbers, show you the true cost and potential return, and help you make informed decisions that accelerate growth without unnecessary risk.
Technology That Empowers
Real-time visibility of your finances on your phone, tablet, or laptop. Automated invoicing and expense tracking. Bank feeds that eliminate manual data entry. Cloud accounting isn’t just efficient, it’s liberating.
STRATEGIC FINANCIAL SERVICES
Management Accounting
Monthly profit and loss, balance sheet, and cash flow reporting with plain-English commentary on what it means and what you should do next.
Virtual Finance Director (CFO) Services
Strategic guidance on pricing, cost control, funding, and growth—without the £80k+ salary of a full-time finance director.
Tax Planning & Optimisation
Year-round planning to minimise corporation tax, income tax, and NICs through legitimate structures, reliefs, and timing strategies.
Cash Flow & Working Capital Management
Forecasting to prevent cash crunches, optimise payment terms, and ensure you always have funds available for opportunities.
Cloud Bookkeeping
We manage your day-to-day accounting using cloud software, keeping everything accurate, current, and MTD-compliant with minimal effort from you.
VAT Submissions
Accurate quarterly VAT returns that maximise input tax recovery whilst ensuring full compliance with changing digital tax requirements.
Year-End Accounts & Corporation Tax
Annual accounts prepared to Companies House and HMRC standards, filed on time, every time, with tax computations that ensure you only pay what’s due.
Payroll & Pension Compliance
Full PAYE and RTI processing, auto-enrolment pension administration, and CIS handling for construction sector clients.
Self-Assessment Tax Returns
Personal tax returns for directors, partners, and high earners, maximising reliefs and allowances whilst navigating complex income sources.
As experienced accountants in Welling, we have deep expertise in:
Company Formation & Restructuring
Setting up new companies, changing structures for tax efficiency, and navigating the administrative complexities of business evolution.
E-commerce & Digital Business
Understanding the unique challenges of online retail, subscription models, international sales, and digital revenue streams.
Property & Investment Taxation
Specialist advice for landlords, property developers, and investors navigating the increasingly complex world of property taxation.
Funding & Finance Applications
Professional financial forecasts and business plans that help you secure loans, overdrafts, invoice finance, or equity investment.
Established SMEs (£200k-£5m turnover)
You’re past the startup phase and need sophisticated financial management to scale sustainably and build genuine wealth from your business.
Professional Service Firms
Consultants, IT contractors, marketing agencies, architects, engineers and you’re great at your profession but need experts to handle the financial complexity.
Construction & Trade Businesses
Builders, electricians, plumbers, contractors and we understand CIS, subcontractor management, job costing, and the cash flow challenges unique to your industry.
Retail & Hospitality
Shops, restaurants, cafés, pubs, we help you manage thin margins, cash flow seasonality, stock control, and the compliance burden of employing staff.
Property Professionals
Landlords with multiple properties, developers, and estate agents need specialists who understand property taxation, capital allowances, and investment structures.
Business Owners Who Want More
You’re not satisfied with mediocre. You want an accountant who challenges you, advises you, and helps you build real wealth and not just files your accounts.
“I finally understand my business finances.”
Our monthly reports and quarterly reviews transformed their relationship with numbers—from confusion and anxiety to confidence and control.
“They respond in hours, not days.”
Fast, helpful, human support when it matters, not automated responses or offshore call centres.
Best decision we made for our business.”
Moving from their old accountant to EFJ gave them the financial clarity and strategic advice that enabled them to double in size profitably.
✓ Chartered Certified Accountants you can trust with your financial future
✓ Minutes from Sidcup—based in nearby Bexleyheath for easy access
✓ Average email response time: 3 hours—we’re here when you need us
✓ Industry specialists—deep expertise across multiple sectors
✓ Modern cloud platform—real-time access from anywhere
Most Sidcup businesses overpay tax by £5,000-£20,000 annually simply because their accountant isn’t looking for opportunities.
✓ Immediate savings – quick wins you can implement in the current tax year
✓ Structural improvements – is your current business structure costing you money?
✓ Missed reliefs & allowances – are you claiming everything you’re entitled to?
✓ Future planning strategies – how to minimise tax over the next 2-3 years
No obligation. No pressure. No charge.
Book Your Tax Efficiency Review
Contact us form
Email: info@efjconsulting.com
Office: 137 Broadway, Bexleyheath, DA6 7EZ
Hours: Monday – Saturday, 9:00 AM – 5:00 PM
What will it cost to work with you?
Our fixed monthly packages start from £99+VAT for sole traders and £149+VAT for limited companies, with pricing based on your business complexity and needs. We’ll provide exact pricing after understanding your business, no hidden fees and no surprises.
Can you help if we’re switching accountants?
Absolutely, it’s one of our specialities. We manage the entire transition, handle all communications with your existing accountant, and ensure zero disruption. Most switches are completed within 10-14 days.
What if we’re not in Sidcup itself?
No problem. We serve businesses throughout South East London and beyond. Location doesn’t limit service quality; we work seamlessly with clients we’ve never met in person, whilst being available locally when needed.
Are you big enough to handle growth?
We work with businesses with turnovers from £50k to £20m+. Our systems and team scale with you.
What happens if we’re behind with our accounts?
First, breathe. You won’t be the first, and we’re judgment-free. We’ve helped dozens of businesses get current. We’ll create a catch-up plan, handle HMRC communications, and implement systems to prevent future problems.
What makes you different from cheaper online services?
You get qualified accountants who know your business, answer your questions quickly, and provide strategic advice, not algorithms, offshore teams, or generic responses. Our clients consistently say the personal service and expertise deliver ROI many times over.
Every month without strategic accounting support, you’re
Paying more tax than necessary
Missing growth opportunities
Making uninformed decisions
Wasting time on admin
Building less wealth than you could be
You’ve worked too hard to settle for average results.
Book Your Tax Efficiency Review
From Sidcup High Street to Foots Cray, from Longlands to Blackfen, we’re proud to support the diverse business community across Sidcup and the surrounding areas.
We understand local challenges from property costs to recruitment difficulties to competitive pressures. That’s why we focus not just on compliance, but on helping you build a more profitable, valuable business that funds the lifestyle you want.
Our Bexleyheath office is just minutes away, putting us perfectly positioned to serve Sidcup businesses that value local relationships, modern technology, and national-level expertise.
Whether you’re an established company looking to scale, a sole trader wanting to transition to limited status, or an ambitious entrepreneur building your first venture, we have the expertise and commitment to help you succeed.
Call 020 3007 2700 or email info@efjconsulting.com