What makes Incisive Accounting different?

The firm is headed by Yasar Khan. Prior to setting up the firm, Yasar qualified as a Chartered Accountant with Deloitte and had a successful career as a Finance Director working in blue chip companies such as DHL, Novell and PepsiCo as well as SMEs (including one which was 3rd in the Sunday Times Fastrack 100 companies). Throughout his career, Yasar has developed world class finance teams and contributed to the success of those companies. Now Incisive Accountant's client’s benefit from Yasar’s considerable experience.

Personal service with attention to detail is at the forefront of the Incisive offering. Establishing a relationship with you, and an in-depth understanding of your business, is the only way we can ensure that you receive the advice you need to move your business forward, and keep your tax bills to a minimum.

Every member of the Incisive Accounting team has a working knowledge of our clients' business and tax affairs. This means that whenever you need help, if the person you usually deal with is not available, another member of the team will be able to assist.

Each week the entire team has a scheduling meeting where we discuss every single client, checking what compliance dates are coming up and what other work needs completing. We use leading edge accountancy software supported by highly disciplined processes and workflow to ensure that a date is never missed and that the information our clients need to submit to HMRC or Companies House is done so in a timely manner. This means we are able to spend less time on compliance and more on value-added activities on behalf of our clients.

Business Lifecycle

Typically businesses in this stage of the business lifecycle would be within two years of start up. Generally the owner is experiencing transition from being in employment to owning their own business resulting in working long hours, placing pressure on their personal life.
They may have invested substantial private funds in the start up, either through their own cash or guarantees to their bank. Generally, we find the biggest challenge these businesses face is juggling the management roles of marketing, finance, operations, sales and HR with little or no external support. They may also be dependent on one major customer or contract at this stage in the lifecycle.

Key Questions for business owners in the start up phase:

  • What inspired you to start your own business and how have you found the transition from employment to being your own boss?
  • How has it affected your home life and your family?
  • Did you produce a written business plan before you started?
  • What has actually happened compared to your business plan?
  • What was your biggest mistake in the start up process?
  • How did you fund your start up? Did you inject personal funds or provide the bank with personal guarantees?
  • Has your decision to start your own business improved your personal financial situation? If not yet, do you believe it will in the future?
  • Who deals with things like the accounts, marketing and running the office? How good are you at so called 'spinning plates and multi-tasking'?
  • How do you see the next phase of business development?
  • If you had a magic wand what would you wish for?

Following a successful start up where the business has established itself in the market place a period of rapid growth in sales, profits and the size of their organisation often follows.
This brings new challenges in wrestling with the transition from start up to maturity including the building of a management team, possibly moving to larger premises, installing appropriate IT systems, infrastructure etc.
There may also be implications from growth, including an additional requirement for finance, working capital and cashflow together with avoiding the dangers of over-trading.
We at incisive also believe that businesses at this stage of their lifecycle require reliable management information most usually in the form of management accounts produced to enable the management team to manage their business more effectively.
Perhaps the biggest challenge to business owners in this phase is their own personal transition from expert tradesman to an effective business leader committed to a clear business plan. The transition, whilst necessary, is often a hard one to make.
As the business grows and takes on greater scale, a genuinely valuable asset evolves.  It is therefore imperative that appropriate agreements are in place between shareholders and partners to avoid disputes and to secure valuable tax advantages, remuneration, and ultimately on the disposal of the business.

Key Questions for business owners in the growth phase

  • How much time do you spend working on the business as opposed to working in the business? In other words, working on the strategic development of the business as opposed to merely handling the 'day to day activities'.
  • Has this changed in recent times and do you see it continuing to change in the future?
  • How do you make important and difficult decisions about the future of the business?
  • Who do you talk to?
  • What would happen to the business if you or any of your co-owners are unable to work?
  • How do the finances of the business work?
  • To what extent do you rely on your bank to provide support and how does the relationship work?
  • Have you developed a policy for paying yourself a bonus or extracting some cash to reflect all your hard work to date?
  • Where do you see the business in three years time? Do you think you could sell it and retire to the beach?

Following a long period of growth, many businesses reach a stage of maturity, a relative plateau in terms of sales, profits and growth. In these cases we often find long-serving or family members in senior management positions and this can lead to conservative marketing and decision making.
We also find that these businesses have more complex financial structures in place such as share holdings, freehold and investment property, cash in the bank and well-funded retirement benefits.
There may also be an increased perception of the risks of the loss of key customers, key employees, or changes in the competitive environment which could result in adverse impact on the ongoing success of the business.
Finally we find that many mature business owners have at least one eye on how they will ultimately exit their business and will have plans in place to ensure this happens successfully.

Key Questions for business owners in the maturity phase

  • What role do you play in the business, what are your key responsibilities and who reports to you?
  • What are the key issues facing the business and how do you envisage dealing with them?
  • Are there changes in your industry/trade or in general economic conditions which cause you
  • concern?
  • How do you see the question of succession?
  • Who will take on your role when you retire?
  • Looking back over the years since you started the business, what was the most enjoyable period?
  • How does the value of your shares in the business fit into your financial planning for your future and the future of your family?

Business owners who are at the point of exit, or approaching exit, normally have a clear motive to support their intention to sell their business. This is often triggered by personal issues such as age or changes in personal circumstances or it can also be triggered by an unsolicited approach from a potential buyer.
Where a business is owned by more than one owner and the business is to be sold as a going concern there will need to be unanimity among the owners.
The management team should be focused on dealing with the issues that may impede or reduce the value on exit, managing these matters very carefully prior to exit will maximise the sale value.
The involvement of external experts to advise on the correct course of action to maximise the sale value and more importantly advise the shareholder on how to maximise their net proceeds from the sale, will be key to success of the exit strategy.
Of course, the economic conditions at the time, and in particular the availability and cost of capital, can have a tremendous effect on both the number of potential buyers and the price they are prepared to pay. Timing of any sale is therefore critical to maximising value.

Key Questions for business owners on exit strategies

  • What triggered your decision to sell your interest in the business?
  • Does the value of the business on exit satisfy your financial planning requirements?
  • Have you considered a range of options for tax planning to maximise the proceeds net of tax?
  • Are you happy that the exit process will produce the best results including competitive bids for your business and minimal earn outs or conditional consideration?
  • What are your plans following the exit?
  • Will you retire or will you reinvest the proceeds in another business?
  • Do you intend to distribute part of the proceeds to your family?

What Our Clients Say


We moved to Incisive Accounting in 2020 when we were disillusioned by the lack of advice provided by our encumbent supplier. Our business is complicated and Yasar quickly understood the intricacies of the 5 different companies and products/services we supply. Whilst our accountancy fee reduced by half, the advice and service we receive from Yasar and his team has increased 10 fold. When you are busy running successful businesses it's essential for your accountant to be "part of the team", striving for your success. This is exactly what we have found in Incisive and I can't recommend them highly enough.

Paul Homersham - Clere Group Limited, 31/03/2022

Incisive are everything I hoped they would be and then some. When I needed help setting up a business, VAT registration and returns, end of year accounts, and personal tax they took care of everything. Just as important is knowing they are there when I need to ask a question. A real pleasure to deal with, I wont be looking elsewhere.

Mike Armstrong, 22/11/2013

We transferred our accounting to Incisive about two years ago and have never looked back. Incisive provide a professional and efficient accounting service at a very reasonable rate and we also have the benefit of Yasar whose enthusiasm and advice on a wide range of business and financial planning is worth any accountants fee.

Doug C, 12/09/2013

Quick friendly professional service. Thank you.

Paul Elphick, 24/10/2013

Superb advice and practical, effective consultations from Incisive Accounting, thanks.

Andrew, .26/04/2011

Core Values

  • Establishing a relationship with you
  • An in-depth understanding of your business
  • Advice you need to move forward
  • Keep your tax bills to a minimum
  • Weekly scheduled meetings to discuss all clients
  • Leading edge accountancy software
  • All incisive team members have knowledge of all clients
  • Great support