This week’s questions for founders

  • Is your second-half forecast built on Q1’s pace, or stress-tested against a softer consumer?
  • Are your second-half hires being made with the January 2027 dismissal rules already in view?
  • When customers stretch their payment terms, how long before it shows in your cash position?

Welcome to this week’s edition. Three developments worth a founder’s attention, with our read on what they mean.

UK economy grew 0.6% in Q1, but the headline masks a softer picture ahead

A strong quarter is only good news if it’s the start of a trend rather than the peak, and the detail underneath this one cuts both ways.

UK real GDP is estimated to have grown 0.6% in Q1 2026, with the largest contribution coming from the services sector, which expanded 0.8%. Annually, the economy expanded 1.1% in Q1, exceeding the 0.8% forecast. It is the strongest quarterly reading since Q1 2025, and on the face of it, encouraging.

The detail is more cautious. Gross fixed capital formation fell 0.6% quarter-on-quarter, and business investment, while up 0.7% on the quarter, remains 1.8% lower year-on-year, a persistent signal of corporate hesitancy. ONS business survey data shows that over a quarter of trading businesses reported their turnover had decreased in April compared to the previous month. March’s monthly GDP growth of 0.3%, the first month following the Iran conflict, came in below February’s 0.4%, suggesting momentum was already cooling before Q2 data starts to land.

For founder-led businesses, the read is this: Q1 may have been front-loaded, with some activity brought forward. Planning on the basis of that pace continuing through Q2 and Q3 is probably optimistic. The more useful frame is whether your own numbers are tracking the macro or diverging from it, and what that tells you about your positioning.

If you’d like a clearer view of how your numbers are tracking against the macro picture, a Discovery Call is a good starting point.

Questions worth revisiting

  • Does your H2 forecast assume a continuation of Q1 demand, or have you stress-tested it against a softer consumer environment?
  • Is your working capital position built for a quarter or two of tighter conditions?
  • Where is your business investment sitting relative to where you planned it at the start of the year?

Source: ONS GDP First Quarterly Estimate, Q1 2026

Employment Rights Act 2025: a cost-base question for founders

The headline is employment law, but the part worth a founder’s attention is what it does to the cost and risk of hiring.

The April 2026 tranche of ERA changes is now live, with a larger set landing in October 2026 that covers zero-hours contract rights and fire-and-rehire restrictions, and unfair dismissal reforms following in January 2027.

The financial angle is worth surfacing now. The January 2027 change reduces the unfair dismissal qualifying period to six months, which means hires made in the second half of this year will already be inside that window by the time it takes effect. For a founder, that raises the cost of getting hiring decisions wrong, and with it the value of a clear view of the people cost base: headcount plans, the timing of hires, and the financial assumptions sitting behind them.

That’s where Phoenix can help: modelling the cost implications of your hiring plans so the commercial decisions are made with clear numbers.

Source: Acas, Employment Rights Act 2025

SME confidence is climbing off its floor, but the cash flow pattern beneath matters more

A rise in small-business confidence is welcome, but the number that matters more sits in how long customers are taking to pay.

The FSB’s Small Business Index registered -53 in Q1 2026, an 18-point rise from Q4 2025’s historic low of -71, the lowest level of small business confidence outside the pandemic. It is an improvement, but confidence has now been in negative territory for eight consecutive quarters. The April cost crunch landed shortly after the reading was taken, with higher business rates, energy standing charges, an increased National Living Wage and expanded Statutory Sick Pay rules, so the recovery is fragile rather than established.

The more useful signal sits beneath the headline. A growing proportion of SMEs report customers taking longer to settle invoices, with delayed payments directly affecting hiring decisions, investment plans and day-to-day cash flow management. For founder-led businesses running lean teams, that is where confidence data becomes operational: when late payment combines with rising input costs and a static rate environment, working capital pressure builds quietly before it becomes visible.

NIQ data from early 2026 showed 1 in 4 UK households named health as their number one priority for the year, with supplements and minerals seeing strong sales growth in the period. That consumer commitment to health spending has held through a difficult macro environment. For health-optimisation founders, the structural demand picture remains supportive, but the working capital and margin discipline around it needs to be as strong as the product.

Phoenix works with founders to build the financial clarity and cash flow visibility to grow from a stable base. If that’s where your focus is, get in touch.

Source: Credit Connect, citing FSB and NIQ

Everest, records, and the discipline of measuring the right thing

A record that depends entirely on how you define it is a useful reminder that a number means nothing until everyone agrees what was measured.

On 28 May, American trail runner Tyler Andrews set a new fastest known time for ascending Everest with supplemental oxygen, at 9 hours and 55 minutes from Base Camp, beating Lakpa Gelu Sherpa’s 2003 record by a full hour. It came after repeated failed attempts across two seasons, stopped variously by weather, oxygen problems, and gear failures, including an unsuccessful try just days earlier.

The record arrived contested. The mountaineering community is still debating the conditions, including where the oxygen started and how the descent was handled, and whether the time stands clean. That debate is the interesting part, because it turns on a question every founder should recognise: a record only means something if everyone agrees what was measured. Time to the summit is simple until you ask from where, with what assistance, under what conditions. Change one assumption and the comparison falls apart.

Business metrics behave the same way. “We grew 40%” is a summit time with no Base Camp: growth on what, against what, at what cost to margin and cash. A KPI that isn’t anchored to a clear definition is a number people can argue about indefinitely, which usually means it isn’t driving decisions.

That run of failed attempts carries the second lesson. The record wasn’t won by going harder each time; it was won by building the conditions, the acclimatisation, the right weather window, resupply in the right places, so that the effort on the day became almost the straightforward part. The same holds for founders chasing ambitious goals, whether that’s an event, more time with the people who matter, or the capacity to step away. The flexibility to attempt something hard tends to be built in the quiet financial groundwork beforehand: clear numbers, predictable cash, a plan worth trusting. Phoenix works with founders to build that base camp, so the summit becomes a decision rather than a gamble.

Source: iRunFar, Tyler Andrews Everest speed record

About Phoenix Advisory. Phoenix Advisory is an advisory-led accountancy practice providing Portfolio FD support to founder-led UK Ltd businesses, primarily health-optimisation brands in e-commerce, and a small number of selective professional services firms. We help founders build the clarity, stability and momentum to scale profitably while designing the life behind the business. Where it helps, we also provide compliance services, so founders work with one team rather than coordinating three. Every engagement begins with a free thirty-minute Discovery Call.

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