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Customer concentration is usually discussed as a sales risk. For many UK SMEs it is a cash-flow and governance risk that can become a survival event within one notice period. This stress test sets out practical thresholds and actions.
The 2026 business rates revaluation has changed the cash profile for many smaller UK businesses. Here is a practical way to model the impact, question the bill and build a reserve before the next instalment.
Comparing a fractional retainer with a senior salary on an annualised basis is the fastest way to reach the wrong conclusion. The useful comparison is not cost per year, but cost per decision that actually changes the trajectory of the business.
Most expansion plans arrive with a revenue forecast and very little else. These twelve diagnostic questions, grouped around cash conversion, customer concentration, supplier terms and tax timing, are the ones I would want answered before a UK business commits to hiring, stock or new premises in 2026.