How we restructured a Greenford distribution business for £10,400 saving
Client K runs a distribution and wholesale business from a warehouse unit in Greenford, supplying products to retailers across West London. It traded as a Ltd company with Client K as sole director-shareholder, while his wife handled all the accounts and customer service full-time and his brother managed the warehouse, both on modest PAYE salaries with no shareholding.
We rebalanced the structure. We brought the wife and brother in as shareholders reflecting their genuine full-time roles, set all three salaries at the NIC-optimal level, split dividends across all three personal allowances and basic-rate bands, claimed the Employment Allowance against employer NIC on the warehouse and driver staff, and set up employer pension contributions as a further efficient extraction. We also reviewed capital allowances on the warehouse racking and equipment.