Scope & fees

What each read covers, and what it costs.

One standard, measured across eight areas: the numbers, the commercial management, and how much still depends on you. The work is bringing your own business up to it, so it holds without you and, if you ever sell, it is already there. The same standard is what I check when someone is buying one.

The idea underneath

A business built to sell is simply a business built well.

Run on evidence, not memory. Not dependent on one person. Worth having whether you ever sell or not. That is a quality standard, and the eight areas are the marks it is measured against.

  • Running one. Find where yours falls short, then do the work to bring it up. This is the part most owners need and the part nobody sells them. It is the main thing I do.
  • Selling one, or simply stepping back. Nothing special to prepare, because the standard is the preparation. A business that already passes prices well, and is lighter to run if you never sell.
  • Buying one. The same standard, pointed at a business you are considering, so you know what you would actually be taking on.

A diagnostic is a service you buy once. A standard is a benchmark, and a benchmark is something you want to pass. The read tells you how close you are. The work closes the gap.

Your own business

The diagnostic. Fixed fee, fixed scope.

One structured pass across the eight areas that decide what the business is worth and how much of it still runs through you. It is built from documents, not from a questionnaire you fill in about yourself.

What goes into it

  • The public record. Companies House: officers, filing history, charges and secured lending, group structure, and the filed-accounts trend across three years.
  • Your filed accounts, read properly. Pulled from the filings themselves and tied back line by line, not taken on trust.
  • The market around you. Competitors, suppliers, comparable deals, and the regulation that applies to your sector.
  • Your own numbers. Customer concentration on a named denominator, the add-backs, and what your earnings actually look like once a realistic management team is charged for.
  • Your bank data, end to end. Every transaction classified one at a time, so owner money is separated from trading money, and the working capital low point, the fixed burn and the real runway come out of the record rather than an estimate.

What you get back

  • The eight areas scored on a maturity ladder, from Reactive through to Excellence, each against evidence.
  • The one thing holding the business back, named, with the two or three that matter next behind it.
  • A prioritised plan: the moves that shift the ratio most, in the order to do them.
  • A written report where every table is a numbered exhibit with its source stated underneath.
  • Eight quality gates and fifteen named numerical controls applied before any figure reaches you.

Your numbers stay under a mutual non-disclosure agreement, and the engagement ends when the report is delivered. There is no retainer and nothing rolls on.

Also, if you are buying

The same read, pointed at someone else's business.

Most of my work is with owners on their own business, so that is what this page is about. But if you are looking at an acquisition rather than your own company, the same standard applies to theirs, in three grades from a public-record screen through to verified earnings. Checking a business before you buy it →

After the read

Then the work that closes the gap.

The diagnostic buys the read and the plan, and it ends there. Nothing rolls on and nothing is bundled. But owners usually ask what fixing it actually looks like, so here it is. You would only ever take the lines your own plan calls for, scoped and priced separately, and only if you want them.

  • Business systemisation. The processes and systems written down and running, so the work holds when you are not in the room. This is the one that moves owner-dependence most.
  • Operational excellence. The day to day made tighter, calmer and more predictable.
  • Fractional COO. A part-time operator inside the business driving the plan week to week.
  • Strategy facilitation. The direction agreed, then turned into a plan people actually own.
  • AI and automation. The right work handed to software, once the foundation underneath it is sound. Bolted onto an undefined process it only scales the noise.
  • Integration. Two businesses made into one that genuinely runs as one.

Scoped from your plan and priced before anything starts. Fractional, for as long as it is useful, with no open-ended retainer. It is built so your people keep the machine at the end. See how the work runs.

Who is doing the reading

Most advisors have one lane. The read is only as good as the ground it is standing on.

Eight areas get scored because someone has actually worked in all eight. Not studied them, implemented them, and lived with the consequences afterwards. That is the difference between a report that lists problems and one that knows which problem is causing the others.

Engineering and design

Subsea engineering. Led a £1.2m qualification programme as client-facing lead, commissioned a multi-million-pound test facility, and established another overseas.

Operations and turnaround

Took a loss-making business, bought out of distress, to roughly £100k of profit in about five months. The case study.

Sales and pipeline

Built the sales and marketing strategy for an engineering consultancy and opened a nuclear and oil-and-gas pipeline. Later led market entry into hydrogen, sustainable fuels and major rail infrastructure.

Systems and software

Implemented document control, project controls, planning, permits and a bespoke change-management system across a multi-billion-pound programme, plus reporting dashboards and AI governance. The case study.

Integration after a deal

Ran post-acquisition integration when one engineering group was bought by another, and has since done the same work for owner-led businesses. The case study.

The numbers

Full profit-and-loss ownership of a property business with £350k of investor funding raised. Built daily cashflow and monthly reporting for a multi-brand group, from a standing start. The case study.

The person who can read a set of accounts, name the constraint, and then go and build the fix is rarer than any CV makes it look.

None of this is a framework bought off a shelf. The method is the small-business version of a system built for a multi-billion-pound engineering programme: a change-management spine, document control, a coding structure, and reporting that told the truth early enough to act on. It has a serial number on it.

Which is also why the honest answer sometimes is that you do not need this. On one engagement the right advice was to stop investing and close the business. That is a case study too.

Where the line is

What none of this claims to be.

Being straight about the boundary is the point. A read that overstates what it can see is worth less than one that marks its own gaps.

  • Tier 0 cannot give you real earnings or a firm value. Small companies file no profit and loss account, so the public record simply does not contain it. Anyone telling you otherwise from a company name alone is guessing.
  • Tier 1 is indicative and unaudited. It models maintainable earnings and gives a bracket. It does not verify them. That is what Tier 2 is for.
  • This is not a formal valuation. PeakRatio is not authorised by the Financial Conduct Authority, and none of this is investment advice or a regulated valuation.
  • It is not the negotiation. The read tells you where you stand and what to ask. The decision, the offer and the deal are yours.
  • It is not implementation. The diagnostic hands you a ranked plan. Doing the work is a separate conversation, scoped from that plan rather than sold as a package.
Start here

Not sure which one you need?

Take the free Ratio Check, or book fifteen minutes. If the honest answer is that none of this would help you, I will say so on the call.