Champion Round-Up | By Ged Cosgrove, group managing partner The UK’s owner-managed businesses are once again navigating a period of global economic uncertainty. Over the past two decades, they’ve weathered a financial crisis, a pandemic, and a cost-of-living surge – and now face yet another period of
Read more →Envoy Human Capital is a commercially focused HR consultancy supporting SMEs across the UK, working alongside business owners and directors to help them navigate employment legislation, manage people risk, resolve employee relations issues, and build confident, compliant workplaces. Because for SMEs, people risk is business risk –
Read more →Yesterday the Chancellor delivered the 2026 Spring Statement, providing an update on the UK economy and the latest forecasts from the Office for Budget Responsibility (OBR). As expected, the Statement was largely an economic update rather than a major policy event, with no significant new tax announcements
Read more →For any owner-director of a growing business, maintaining a clear and complete view of company finances is non-negotiable. Yet as a business scales, complexity increases. Revenue streams diversify, costs fluctuate, teams expand, and strategic decisions become more nuanced. Maintaining a precise, actionable understanding of financial performance from
Read more →Champion Round-Up | By Ged Cosgrove, group managing partner How many of us start the day scanning the headlines and business updates? I know I do. And recently, the picture painted isn’t exactly uplifting – declining confidence, economic contraction, rising costs and large businesses entering administration. At
Read more →If you’re a business owner, you’ve likely heard the term management accounts and wondered what they actually involve and whether they’re something your business needs. Put simply, management accounts are a series of internal reports that track key financial metrics, including balance sheets, cash flow statements, profitability,
Read more →If you’ve been considering your exit strategy, you’ve likely heard more about Employee Ownership Trusts (EOTs) recently. You’re not alone – we’ve seen an increase in discussions about EOTs over the past few years, and it’s easy to see why they’re gaining traction. While EOTs offer great
Read more →Champion Round-Up | By Ged Cosgrove, group managing partner As 2025 draws to a close, I wanted to take a moment to reflect on the year and celebrate the successes of our clients and colleagues. It’s certainly been a year of challenges – and, if the recent
Read more →Authored by Dan Maloney, Group Managing Director, Champion Insurance Group Running a business has never been more complex. Directors face intensifying scrutiny from regulators, employees, customers, lenders, and more recently, litigation funders, who actively pursue claims against management. Against this backdrop, Directors’ and Officers’ (D&O) Liability Insurance
Read more →One of the most valuable tools for running a business is often hiding in plain sight. Management accounts frequently fly under the radar for SMEs. Yet today’s savviest business owners are using them to uncover actionable insights, strengthen financial control, and make smarter, faster decisions. They’re often
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