Meet the Other Phone. Protection built in.

Meet the Other Phone.
Protection built in.

Buy now

Please or to access all these features

Work

Chat with other users about all things related to working life on our Work forum.

Advice needed on setting up as a consultant... can anyone help? - Sorry it's a bit long!

17 replies

BouncingTurtle · 14/01/2009 07:09

I'm leaving my current job as a Lab Manager as they turned down my request for part time working - they feel as it is managing personnel who work 24/7 it was not in the staff's best interest to have someone part time or job share.
Sooooo leaving at end of March. BUT there is a lot of projects going on at my company, particularly at the site I am currently working, and not enough experienced managers - they are seriously stretched.
My boss has asked me even though I am leaving to consider becoming a Super User for the new Production/Sales software that will be rolled out over the next few months - he cannot spare any of his other managers to do this very critical function, so he asked if I would consider working for the company on a consultancy basis (there is precedent for this - my ex boss is also working as a consultant on another project, and has been doing so since his official retirement).

I'm am seriously considering this offer but not sure what it is involved. As I understand, I would have to set up as a limited company, and charge them for my services.
I would then take off expenses and I guess pay income tax via self assessment,plus regular ni contributions.
What about VAT - my services woukld be VATable, so would I need to get a VAT number? Do the company give me the VAT and then I pay that separately from income tax?

Any advice, suggestions welcome!!

OP posts:
Thrifty · 14/01/2009 07:18

Hi, don't know if you have to set up a company or not, but you'd definately need to register as self employed. There's a helpline you can call, look it up on the hmrc website. If you expect to turn over more than a certain amount, i think its about £65k then you will need to register for vat. I know computer Consultants have to have a company, but i did a couple of days consultancy for my old company and just charged them a day rate. Sorry can't be of much ore use. Hth.

Thrifty · 14/01/2009 07:40

With regards to vat. You register for vat and are given a number. You send out your invoices with say your day rate eg. £150 then add the vat on. Record all your expenses as the amount and have a seperate column for th vat. Then you can deduct the vat that you have paid already against what you have to pay from your earnings.

BouncingTurtle · 14/01/2009 10:18

Thanks for that!

OP posts:
mrsbaldwin · 14/01/2009 12:37

Bouncing Turtle

I've been both a self-employed-variety consultant and now I do the ltd company-style arrangement.

It's great that your company have offered you this opportunity - they must value your outputs and are looking to find a way to keep you. You could make this work very well for yourself, and somewhere down the line branch out into consulting for others, either solo, or with a network of like-minded consultants.

Here are some brief thoughts for you:

There's no bar in principle to you being a 'self-employed' consultant rather than a 'ltd company' one - these labels are just designations for tax purposes, essentially.

You might want to start as self-employed and move to being a ltd company later, once you've grasped what's involved with running a successful (profitable, doing work that interests you) consultancy.

I say 'grasped what's involved' because as a ltd company style consultant you become a company director - and have a public legal status as such. You can research what this means in more detail elsewhere - but you will want to take care not to go bankrupt, for example (because this may disqualify you from being a co director in the future), you'll need to understand that your annual company accounts are a matter of public record (so anyone can see them) and unless you're a lot better at managing HMRC paperwork than I am, you'll need an accountant - to file your accounts for corporation tax, to file your personal tax return and to run your payroll. Why do you need a payroll? Because as a solo ltd-company style consultant you will be both company director, taking profits from the firm, and an employee on the company's payroll. Can you begin to see already that there's a little more to this than meets the eye, initially - and the issues I raise above are merely ones of administration.

You won't need to register for VAT until your turnover hits about £65K as someone above explains.

I don't mean to put you off however - there are (some) tax advantages to becoming a ltd co, although since 1997 these have lessened substantially. And I personally think that for those who can do it, consultancy is a great way to work - particularly for parents who are looking for flexibility and so on.

Some co's and organisations sometimes say they are reluctant to deal with self-employed subcontractors (if you choose this path) - but this is generally because their accounts depts worry they'll pay you a gross fee, you won't declare to the tax authorities and then they'll get into trouble. If your company's accounts dept take this view you may need some help from your manager/customer (he's now a client, remember?) - or a letter from your accountant saying you're officially self-employed. But let's not assume there'll be any problems - it may be very straightforward.

So:
*Consider starting off as self-employed
*Consider finding an accountant
*Consider reading some business advice-type books on how to be a successful consultant
*Have a look at www.businesslink.gov.uk - the Govt's small business advice service website

And having done all that, put to one side. Your bigger concerns are specc-ing the job within your old firm, working out your overheads, working out what you're going to charge to cover these and make a profit (ie what will pay your mortgage) and then tweaking as the occasion arises.

I'm expecting to see you back here in a few months asking questions like - 'the firm has asked me to do more work, but I priced the job at X - can I ask them for more money?'. And when you do we will all know you've successfully got a little way down the consultancy road

Good luck.

MrsBaldwin

goingslowlyroundthebend · 14/01/2009 12:42

You will also need to consider the IR 35 rule for National Insurance which can affect you if you only work for one client

corygal · 14/01/2009 14:25

Business Link (offices nationwide) are offering a free Business Check to all at the moment, which is well worthwhile - they will help you start up a business and answer your questions.

I would avoid being a limited co, and register as self-employed instead, but if you have to incorporate (ie go Ltd) because of insurance or summat, ask your BL Adviser and they often send you to an accountant or industry specialist for free (they pay the billup to about £3k.

BouncingTurtle · 14/01/2009 18:22

Thanks again lots of very useful info!

Yes I thought I might have to register as a Ltd co because of the insurance thing.

OP posts:
chelseamorning · 16/01/2009 13:53

You can actually voluntarily register for VAT if your expected income is less than 65K. It will allow you to claim back on your purchases and will help with your cashflow on occasions (useful so long as you're strict about putting it back in the kitty!).

Also, you're allowed to claim VAT back for up to 2 years prior to actually registering for VAT. So keep all your receipts from Day 1 as they'll probably come in handy later.

Following on from MrsBaldwin's comprehensive post, one advantage of setting up a Ltd company is that if it does go bankrupt, the company takes the sting and not you personally, i.e. you won't have to use your house/possessions to pay back your debts, which you would have to do if you were just self-employed.

Personally, I've never had much luck with Business Link but there is plenty of info out there.

Re: accounts, allow about 1-1.5K a year for Ltd company accounts which will also include your personal accounts, if you're getting both done by the same accountant.

Just to say that I went freelance for 2 years first, just to test the market. I then set up a Ltd company which I've been running for 8 years and have never looked back. It was just the right decision for me, rather than staying freelance.

flowerybeanbag · 16/01/2009 14:03

I am a consultant with my own limited company. Am planning to register for flat rate VAT shortly. I feel having a limited company adds more credibility so I'm pleased I did it straight off.

Just one word of warning, please be very careful if you are going to continue working for your current employer. When it comes to both tax and employment rights, whether you are an employee or self employed isn't something you or your employer decide upon, it's decided by the nature of the relationship between you. You need to be especially careful working for an existing/previous employer and be very sure that the working relationship between you has changed sufficiently to justify your change in status.

Have a read here about different types of employment, scroll down to the list of questions regarding the relationship with the company that pays you. Typically it's about things like to what extent they can tell you what to do, whether or not you have the right to send someone else to complete the work, whether you work for lots of different companies and many other issues.

mrsbaldwin · 16/01/2009 14:09

ChelseaMorning - you are right about Business Link That said I quite like their website for a new starter - there are some good hints about thinking through your business plan and so on.

I am very new to this Mumsnet site - and I haven't even had my baby yet - but I wouldn't mind an MN topic area on 'running your own business' or 'mumtrepreneurs' or somesuch. I'm being a bit pernickety really as 'freelancers/self-employed can easily cover it. But on the same basis that a girl can dress for success and all that sort of thing I rather like to think of myself of a striding and entrepreneurial businesswoman , not really a freelancer or self-employed. This probably says more about me than about a real requirement for a new topic, but still ...

Are there other businesswomen, entrepreneurs etc who might like a separate topic area too?

(Mind you, that said, I'm remembering what I read in the papers a couple of weeks back about MN and people separating off - I wouldn't want to add to the general distress on this)

MrsBaldwin

flowerybeanbag · 16/01/2009 14:13

mrsbaldwin welcome to MN

Tbh this topic is very new itself, and not that busy. It was set up following a thread in Employment where lots of MNers who are self-employed in various guises started a list on who is who and who does what, and lobbied MNHQ for our own topic separate from Employment.

mrsbaldwin · 16/01/2009 14:16

Aha!

No need for a new topic then, as you say.

I will stay under Freelancers and Self-Employed

flowerybeanbag · 16/01/2009 14:18

What do you do mrsbaldwin, or would you rather not say?

chelseamorning · 16/01/2009 14:21

Just to complicate matters, you're technically not 'self-employed' if you're a company director of your own limited company. You're actually employed by your own company!

However, freelance/self-employed or whatever, we often have the same problems/aspirations so I've found this topic quite useful.

mrsbaldwin · 16/01/2009 14:37

I'm a PR consultant. I don't do consumer (ie encouraging retail sales) tho - more like something in the line of what you might call public affairs (ie politics and business).

I've been self-employed moving on to company director etc for 3 or 4 years now - and had just dipped my toe in the water of starting to experimentally subcontract other people when I got pregnant, so decided I had better be a bit cautious on the business risk front for a while, whilst I found out whether I was going to be ill and incapacitated for 9 months and then took a bit of maternity leave. But in fact I've - luckily - been completely fine so far - so once I've taken a short break (although not as short as Rachida's!) I'm planning to get right back to it, all other things being equal.

I can detect from your other posts FBB that you are an HR expert!

I agree with you ChelseaM that similar problems apply - I'm just being a bit 1980s and shoulder-padded really

BouncingTurtle · 16/01/2009 15:48

Flowery - thanks for that, that is useful to know.

The project that I'd be working doesn't directly relate to my current job - I'll be very careful if the lab staff come and ask me to help set up a GC lol!! So I think I'll be ok!

OP posts:
AJ2008 · 18/01/2009 17:17

Lots of advice here, but as someone who used to teach adults about business planning, my advice echos what Corygal has said - go and visit Business Link. They have all the resources you could possibly need to help you work out whether it is better to be Self Employed or start up a Limited Company.

New posts on this thread. Refresh page