Join A4G Chartered Accountants, Loch, Heath Protection and The Finance Hub for a practical morning event designed to help SME owners and directors identify priority risks, improve decision-making and leave with focused actions to strengthen the business.

Walk away with a clear view of the hidden risks that could restrict growth, drain cash or create conflict in your SME, and the practical steps you can take to address them before they become expensive problems.

Your business may look profitable and well run from the outside, but what would happen if you could not work for a month, your largest customer left, a shareholder dispute arose, or a gap in your contracts and insurance was exposed?

Together, we will explore five common pitfalls that can undermine even a successful business:

1. The “everything depends on me” trap

Does every important decision still come back to you?

See how clearer responsibilities, stronger management information and appropriate protection can reduce owner dependency and help the business grow without everything resting on your shoulders.

2. The “we’re all friends here” mistake

What would happen if a shareholder wanted to leave, became ill or no longer agreed with the direction of the business?

Understand how proper agreements, business valuations and shareholder protection can safeguard the business when circumstances change.

3. Flying blind

Are you making decisions using reliable financial information, or simply checking your bank balance?

Learn how forecasting, budgeting and management information can help you anticipate cash-flow issues, understand profitability and make more informed decisions.

4. Building a business on hope

Would your contracts and insurance protect you if something went wrong tomorrow?

Identify the risks created by weak contracts, unprotected intellectual property, cyber threats and unresolved disputes.

5. The “golden goose” problem

What would happen if your biggest customer left today?

Assess customer concentration, understand profitability by customer and build a more balanced, sustainable sales pipeline.

Secure your free place

Who should attend?

This event is for SME owners, founders, shareholders and directors who:

  • Feel too involved in every decision
  • Want better visibility over cash flow and profitability
  • Rely heavily on one or two major customers
  • Have not recently reviewed their shareholder agreements, contracts or protection
  • Want to grow, step back or prepare the business for an eventual sale

You will leave with a clearer understanding of where your business may be exposed and practical actions to make it stronger, more resilient and better prepared for growth.

Event details

Date: Wednesday 4 November 2026

Arrival: 8.30am
Presentation: 8.45am–9.45am
Networking: 9.45am–11.00am

Venue: 25 Eccleston Place, Belgravia, London SW1W 9NF

Getting there: Eccleston Place is close to Victoria Station and is easily accessible by train, Underground and bus.

How to book: Purchase your free tickets via Eventbrite here.

Your hosts

Emma White FCA, A4G Chartered Accountants

Recently named one of Ignition’s Top 50 Women in Accounting 2026, Emma is known by her clients as “the problem solver”.

With 27 years of experience, she helps business owners overcome bottlenecks, grow sustainably and understand their numbers without the jargon. Her practical, personal approach turns financial complexity into clarity, helping clients build stronger businesses and greater personal wealth.

Emily Waterhouse, Loch

Emily is a Partner, Solicitor and Head of Corporate and Commercial Law at Loch.

With 14 years’ experience, she helps owner-managed businesses protect what they have built and make growth and change easier to navigate. From shareholder agreements and commercial contracts to restructures, acquisitions and business sales, Emily provides clear, practical advice focused on achieving the right outcome.

Naomi Greatorex, Heath Protection Solutions

Naomi is the Managing Director of Heath Protection Solutions and has more than a decade of senior-level experience within some of the UK’s largest insurers.

She helps business owners protect their companies, employees and families against the financial effects of illness, death or unexpected disruption. Naomi simplifies a complex area, recommends protection suited to each business and reviews it regularly to ensure it continues to provide the right cover as circumstances change.

Gillian Clarke, The Finance Hub

Gillian is the founder of The Finance Hub and Managing Director of Lending Made Simple.

With more than 25 years’ experience building and growing businesses, she helps owners understand their funding options and find flexible solutions that support their goals. Known for her honest advice and personal approach, Gillian makes business finance clearer, simpler and easier to access.

Bringing together financial, legal, insurance and funding expertise, the hosts will give you a rounded view of the risks facing your business and the practical steps you can take to address them.

Ready to address the risks before they become expensive problems?

Join us in Belgravia on Wednesday 4 November for a practical morning designed to help you identify the hidden risks in your business and decide what to do about them.

Places are free, but advance registration is required.

Secure your free place on Eventbrite