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I provide expert tools, advice and mentoring in working capital management and business performance to SMEs in Surrey and the south east. My specialist finance experience and commercial knowledge enables my clients to avoid financial pitfalls, enhance their business, and focus on being successful.
Adrian Fowles
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Tag Archives: Accounting
Proactive Positive Laziness – Part two
Pareto is your friend Pareto was a wonderful guy. He left us with that wonderful 80/20 rule that seems to apply to just about everything. A few examples: 20% of your customers provide 80% of your income. 80% of your … Continue reading
Posted in Business, Coaching, Finance, SME
Tagged Accounting, Adrian Fowles, Bev James, Coaching, Entrepreneur, Finance, Gill Fielding, James Caan, Pareto, Profit
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HMV and Credit Insurance
On January 6th, in my post about HMV, I commented that the issue for SMEs will be what happens if or when the insurers pull cover: When a big retailer sneezes it is the suppliers that catch the flu. The … Continue reading
Posted in Business, Finance, Retail, SME
Tagged Accounting, Adrian Fowles, Banking, Banks, Cash, Finance, HMV, Insurance
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Proactive Positive Laziness
Some years ago I was contracted to an international FMCG. There had been a change of management and the new team was not sure of the financial status of the business. I’d been called in to drive the year end … Continue reading
Posted in Business, Coaching, Finance, SME
Tagged Accounting, Adrian Fowles, Coaching, Finance, Pareto
2 Comments
Mothercare and Clinton Cards in delusional weather warning
Two more profit warnings have hit the press – This time it is Clinton Cards and Mothercare The Telegraph article opens by saying that shares in Clinton Cards and Mothercare fell sharply on Thursday after they became the latest retailers … Continue reading
Posted in Business, Finance, Retail
Tagged Accounting, Adrian Fowles, Christmas, Clinton Cards, Finance, Majestic, Mothercare, Profit, Retail, Weather
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HMV – three years ago
As a postscript to my blog entry this morning, I thought I’d mention that just under three years ago there was a blog post about HMV on the Interactive Investor site : Is HMV in the ‘buggy whip’ business? A … Continue reading
Posted in Business, Finance, Retail
Tagged Accounting, Cash, Finance, HMV, Profit, Retail
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VAT is now 20% – How will it pan out?
Following on from my last post, VAT is now 20%, but how is this actually going to impact on our spending patterns? In my last post I discussed what would happen to the all-important price points. Now the BBC has … Continue reading
Posted in Business, Coaching, Finance
Tagged Accounting, Adrian Fowles, Finance, Profit, Retail, VAT
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VAT Increase – Time to focus on the V = Value
There cannot be many business owners and managers in the UK who are not spending the time between Christmas and New Year thinking about the possible affects of the impending VAT increase. I’ve been reading what a few other blogs … Continue reading
Posted in Business, Coaching, Finance
Tagged Accounting, Adrian Fowles, Cash, Finance, Profit, VAT
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What is your kidnap fund?
The thing about Entrepreneurs is that they are often the opposite of Accountants. I’ve never come across an Entrepreneur who said “I’ve got this great idea, but I need to optimise the working capital cycle before going ahead”. They just … Continue reading
Posted in Business, Coaching, Finance
Tagged Accounting, Adrian Fowles, Cash, Coaching, Entrepreneur, Finance, startup
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How do you make a profit but still go bust?
So, why do businesses go bust because they have run out of cash even though they are making a profit? The answer is in the Working Capital Cycle. This concept describes the time taken between the business handing money over … Continue reading
Posted in Business, Finance
Tagged Accounting, Adrian Fowles, Cash, Finance, startup
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Turnover is vanity, profit is sanity, and cash is reality
You’ve probably heard that phrase before. Well, I’m here to tell you that it is fatally flawed. It is easy to boost turnover – Just do a few deals with a few customers willing to snap up a discount. Salespeople … Continue reading
Posted in Business, Finance
Tagged Accounting, Adrian Fowles, Cash, Finance, Profit, startup
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