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HOW I MADE IT Joe Blackman Founder of Collection 26 A YOUNG Joe Blackman spent summer weekends serving fruit juice at a story- telling festival on the Welsh coast. “I was roped into it,” said Blackman, whose mother was an event manager for the festival. Each year, she convinced him to come along as a helper. Today, he too makes his living as an events manager. At the age of 19, Blackman helped at top music festivals such as Party in the Park in Cardiff and the Brecon Jazz Fes- tival. In 2007, still in his early twenties, he decided to strike out alone — and target bigger wallets. His company, Collection 26, now organ- ises corporate and private events, including weddings, for clients such as the Abu Dhabi royal family and American music stars including 50 Cent and the Killers. Blackman has 14 staff, based in Notting Hill, west London. He typically charges 20% of each event’s budget, which is usually from £250,000 to £1m-plus. Last year the com- pany had sales of just over £3m and profits of £1m. In December, it expects to report sales of £4m for this year. “I like to keep it small and make lots of money,” said Blackman, 29, who owns 100% of the business. “Turnover is vanity, profit is sanity.” His key to success? What he calls “stra- tegic networking” at the festivals where he lent a hand. “I made friends with the bands’ management and helped to pro- duce after-parties for visiting artists. Eventually your name gets around.” Blackman grew up in Llantwit Major in the Vale of Glamorgan, overlooking the Bristol Channel. He and his younger brother and sister were brought up by their mother, an events manager at the St Donats Arts Centre. She helped to organise Beyond the Border, the annual storytelling festival at St Donats Castle, where her son was roped in to help. By the time he left Llantwit Major com- prehensive school after A-levels, he had progressed to an event manager, helping to entertain the festival’s 10,000 visitors. After starting a degree in stage manage- ment at the Royal Welsh College of Music & Drama in Cardiff, he freelanced for other festivals. He got a taste of entrepre- neurship after becoming vice-president of the students’ union in his second year. “I used students’ union funds to buy back and run the bar franchise, which had been outsourced. It was a good move.” Blackman did not return for his third year. A friend of a friend had dropped out of an events role at the 2006 Asian Games in Qatar, and he filled the spot. “For six months I stayed on a cruise ship because they had run out of accommodation.” On his return to Britain he decided never to work for anyone else again. “I don’t think I was a very good employee. I had too many of my own ideas.” He taught himself about web design and advertising before applying to the Welsh Assembly for funding to set up a business. He was turned down, but he did secure funding to do an MBA, despite not having completed an undergraduate degree. “I had to have special dispensa- tion from the University of South Wales based on my experience, having run various businesses from a young age.” While setting up Collection 26 a year later, he also found the time to become the youngest magistrate on the Cardiff bench. Blackman moved his office from Cardiff to Notting Hill in 2010 to be closer to venues and his clientele. Initially, though, it cost him some staff. “It was a fairly spon- taneous decision. In my fairy-tale way I thought everybody would come with me but they didn’t, which was hard.” He is planning to open an office in New York. “It’ll be difficult to start over there but it will happen. It’s a priority.” Collection 26 has grown by reputation since Blackman won his first client, the Africa Oyé festival in Liverpool, in 2007. “Anyone can book things for an event; the key is how you orchestrate those elements into a journey. It can be a very creative process with the small details making a massive difference.” Planning weddings for billionaires and footballers — including for the Arsenal player Theo Walcott in Italy last June — is particularly challenging. “If you screw up, you have the best solicitors in the world crawling all over you.” When preparing a £250,000 private event in Newcastle, he had to handle the breakdown of a generator powering a kitchen and lighting for a 70ft marquee. His cool response: “We told the client it was an emergency lighting test while the technicians rewired the whole event.” Blackman, who is single and lives in Richmond, southwest London, has this advice for entrepreneurs: “You don’t always need investment to start a busi- ness — be innovative with your ideas, work hard and show passion, drive and determination in anything you do.” Hattie Williams TIPPING POINT AT WHICH ABSENCE IS TOO HIGH RS writes: One of my senior employees has sent in a doctor’s note saying she isn’t fit to work because of a knee injury. She has been off a lot over the past 12 months owing to stress that isn’t related to work. At what point does all this time off become unacceptable? Different companies set different triggers for addressing sickness absence, writes Peter Done, managing director of Peninsula Business Services. There is no legal position on what is “too much” absence and there are many factors you may choose to consider. Robust absence management systems are essential for keeping on top of the efficiency of your workforce. A good system will include elements to record and track the amount of leave taken by each employee, and then be followed up by a method of managing those who are taking an unacceptable amount of time off. Some companies use the Bradford Factor, a mathematical formula for determining the point at which absence is considered a concern. It works on a multiplication system, where the number of instances of absence is multiplied by itself, and then multiplied by the total number of days taken off. For example, someone who has had 15 days of sickness, taken in 3 instalments, would have a Bradford Factor score of 135 (3 x 3 x 15). This system targets those who are repeat offenders of short-term absences, because someone who frequently has short absences will attain a higher score than someone who has taken one long absence. Frequent short absences are considered more disruptive to a company. You then need to determine what score will be the trigger point for action. This level is at your discretion and is not prescribed by law. Alternatively, some firms just use the number of absences as the trigger — all staff who have had three absences within a rolling 12-month period will be addressed, regardless of the length of each absence. Whichever system you use, you should not single out this employee — it is important to adopt a consistent approach to all staff absence. If you have never tackled her absence, you should start the procedure from the beginning. Do not leap in with a high-level sanction. TWO TAX OPTIONS ON COMMUTING PAYMENTS D R writes: I run a company and my commuting train ticket costs £750 a month. If I had an annual season ticket it would cost £8,250, which is a considerable saving. I don’t take a salary, so can the company pay for my travel instead? If your business makes a direct payment to the rail company on your behalf, you will have to process it through your company’s payroll and it will be subject to national insurance contributions (Nics), writes Jon Dawson, partner at Kingston Smith LLP. The company will still have to report the benefit in kind on a P11D annual declaration for you, which means you will need to include the cost as income on your personal tax return. As an alternative, if you made the payment yourself and the company reimbursed you, the amount reimbursed would have to be processed through the payroll. In this case, it would be deemed to be salary, which would be subject to income tax and Nics. You would pay any tax and Nics immediately and the company would not need to report the benefit in kind. The main difference between these options is the timing of any tax payments. If the money goes through the payroll, it is taxed in the month it is processed. If the money is declared on your personal tax return, the tax is paid in January following the end of the tax year. If this is your only source of income, no tax will be due because the amount is below the personal allowance. Many companies lend money to employees so they can buy season tickets — employees repay this money during the year through deductions from salary. In your case, the company would have to pay a notional salary each month and deduct the season ticket repayments. It’s not easy trying to live off the state Party people: Joe Blackman’s team delivered turnover of more than £3m last year Party planner by appointment to the Premier League stars VICKI COUCHMAN C harlie Davies has a string of regular customers for Dot Comms, the digital marketing and dev- elopment agency she started a few months ago. But a public sector contract would be bread and butter for her. “A contract like that would be guaranteed income,” said Davies, 25, who works from her home near Clapham Common, south London. Yet she knows clinching such a deal isn’t easy. “I wouldn’t know how to find out what’s available. I don’t even know whether I’m allowed to apply.” And, she added: “I’ve yet to meet a company that works with or through the government.” For small companies, the process of winning a contract with the public sector is both lengthy and costly. Last year, £4.5bn of White- hall’s procurement budget went to small and medium-sized busi- nesses. This amounted to only 10.5% of the external contracts awarded. By the end of next year, it hopes to have increased that to 25%. Although the target suggests eagerness to open doors, more than doubling the number of con- tracts in a year is ambitious. “Small businesses can find their efforts to win public sector business hampered by excessive bureaucracy and bidding costs,” said John Allan, chairman of the Federation of Small Businesses. “The taxpayer misses out on the innovation and flexibility small businesses offer. Officials should look at breaking larger contracts into smaller lots, sim- plifying processes and engaging with smaller companies at early stages on all major projects.” The bidding process can mean days are sacrificed on a tender, time that could be spent on busi- ness. Some tender-writing com- panies charge thousands to pull together a bid, and might want a cut of the business secured. Recently it was reported that Buddi, Sara Murray’s mobile alarm and tagging supplier, walked away from a contract with the Ministry of Justice. The company accused the ministry of changing the speci- fications of the contract and demanding that Buddi hand over its intellectual property. Buddi was selected as one of four companies to tag and mon- itor offenders, after an extensive tendering process. The other three were Capita, Astrium and Telefonica. Murray, Buddi’s founder and chief executive, called the process “unproduc- tive and frustrating”. Debbie Pearson feels the same. Bidding for a public sector contract has meant days out of running Emergency Response Training, her Doncaster com- pany that offers courses on first-aid and health and safety. The business is registered with four portals advertising gov- ernment contracts (The Chest, Yortender, Due North and Nepo). Last week, she received two tenders, one in the form of a three-page document and another of more than 100 pages. “There needs to be one frame- work for all,” said Pearson, 41, whose father founded the busi- ness in 2002. She spent four days on the 100-page tender. “Companies approach me all the time offering to help with wri- ting the pitch,” she said. “The last man asked for £1,000 and a 5% cut of the business I win.” Last year, local authority tenders won through a portal amounted to only 2% of Pear- son’s £225,000 turnover. Pearson is not the only one with a gripe. In Hampshire, Richard Knight has spent weeks trying to contact a council about a contract he wants to bid for. Focal Point, his firm with five staff, specialises in outdoor ad- vertising, including displays on billboards, bus shelters and taxis. “There is a contract up soon that I want to bid for but my mes- sages and calls are not being returned,” said Knight, 56, who founded the firm in 1987. “I don’t demand the right to get the business; I just want a fair shot at bidding.” He usually keeps out of bid- ding wars for public sector deals. “I know an agency that can have four staff working on a tender document for a month; I don’t know a small business that has the time or money to do that.” For those who have broken into the public sector, success has followed. One of them is Andy McLoughlin, 35, who runs Huddle, a software business that allows users to work and store information in the internet cloud. It was founded in 2006 and now works with 80% of central government departments, and has been approached by high- profile American institutions. “Working with government provides an instant stamp of approval,” said McLoughlin. But it wasn’t easy. From the initial bid for the first state con- tract in 2008, it took three months to get a pilot of the service into government offices. “Traditionally, innovative smaller companies have been shut out of government procure- ment and this has been the domain of technology goliaths,” said McLoughlin. He opened an office in San Francisco in 2010 where he works on contracts with the Office of the Secretary of Defense and Nasa. He has 35 staff there and 100 in London. “Working with government also requires dedication. You must ensure you meet certain certifications and accredita- tions, and find the problems in government that you can solve,” said McLoughlin. Kingston Smith LLP, the chartered accountant, and Peninsula, the employment law firm, can advise owner-managers on their problems. Send your questions to Business Doctor, The Sunday Times, 3 Thomas More Square, London E98 1ST. Advice is given without legal responsibility. [email protected] Business doctor Charlie Davies of the start-up Dot Comms: ‘I don’t even know if I’m allowed to apply’ VICKI COUCHMAN Trying to win a contract with Whitehall can be time-consuming and costly, warns Kiki Loizou SMALL BUSINESS 23.03.14 / 13 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

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HOW I MADE ITJoe BlackmanFounder ofCo l lec t ion 26

A YOUNG Joe Blackman spent summerweekends serving fruit juice at a story-telling festival on theWelsh coast.“I was roped into it,” said Blackman,

whose mother was an event manager forthe festival.Eachyear, sheconvincedhimto come along as a helper. Today, he toomakeshis livingas aneventsmanager.At the age of 19, Blackman helped at

top music festivals such as Party in thePark in Cardiff and the Brecon Jazz Fes-tival. In 2007, still inhis early twenties, hedecided to strike out alone — and targetbiggerwallets.Hiscompany,Collection26,noworgan-

ises corporate and private events,including weddings, for clients such asthe AbuDhabi royal family and Americanmusic stars including 50 Cent and theKillers. Blackman has 14 staff, based inNottingHill,west London.He typically charges 20% of each

event’s budget, which is usually from£250,000to£1m-plus. Lastyear thecom-pany had sales of just over £3m andprofits of £1m. In December, it expects toreport salesof£4mfor thisyear.“I like to keep it small andmake lots of

money,” said Blackman, 29, who owns100% of the business. “Turnover isvanity,profit is sanity.”Hiskey to success?Whathecalls “stra-

tegic networking” at the festivals wherehe lent a hand. “I made friends with thebands’ management and helped to pro-duce after-parties for visiting artists.Eventuallyyournamegets around.”Blackmangrewup in LlantwitMajor in

the Vale of Glamorgan, overlooking theBristol Channel. He and his youngerbrother and sister were brought up bytheir mother, an events manager at theSt Donats Arts Centre. She helped toorganise Beyond the Border, the annualstorytelling festival at St Donats Castle,whereher sonwas roped in tohelp.By the timehe left LlantwitMajor com-

prehensive school after A-levels, he hadprogressed to an event manager, helpingtoentertain the festival’s 10,000visitors.After startingadegree in stagemanage-

ment at the Royal Welsh College of Music& Drama in Cardiff, he freelanced forother festivals. He got a taste of entrepre-neurship after becoming vice-presidentof the students’ union in his second year.“I used students’ union funds to buy backand run the bar franchise, which hadbeenoutsourced. Itwasagoodmove.”Blackman did not return for his third

year. A friend of a friend had dropped outof an events role at the 2006 Asian Gamesin Qatar, and he filled the spot. “For sixmonths I stayed on a cruise ship becausethey had run out of accommodation.”On

his return to Britain he decided never towork for anyone else again. “I don’t thinkI was a very good employee. I had toomanyofmyown ideas.”He taught himself about web design

and advertising before applying to theWelsh Assembly for funding to set up abusiness.Hewas turneddown, but he didsecure funding to do an MBA, despite nothaving completed an undergraduatedegree. “I had to have special dispensa-tion from the University of South Walesbased on my experience, having runvariousbusinesses fromayoungage.”While setting up Collection 26 a year

later, he also found the time tobecome theyoungestmagistrateon theCardiff bench.Blackmanmoved his office fromCardiff

to Notting Hill in 2010 to be closer tovenues and his clientele. Initially, though,it costhimsomestaff. “Itwasa fairly spon-

taneous decision. In my fairy-tale way Ithought everybody would come with mebut theydidn’t,whichwashard.”He is planning to open an office in New

York. “It’ll be difficult to start over therebut itwillhappen. It’s apriority.”Collection 26 has grown by reputation

since Blackman won his first client, theAfrica Oyé festival in Liverpool, in 2007.“Anyone can book things for an event;the key is how you orchestrate thoseelements into a journey. It can be a verycreative process with the small detailsmakingamassivedifference.”Planning weddings for billionaires and

footballers — including for the Arsenalplayer TheoWalcott in Italy last June— isparticularly challenging. “If you screwup, you have the best solicitors in theworldcrawlingall overyou.”When preparing a £250,000 private

event in Newcastle, he had to handle thebreakdown of a generator powering akitchen and lighting for a 70ft marquee.His cool response: “We told the client itwas an emergency lighting test while thetechniciansrewired thewhole event.”Blackman, who is single and lives in

Richmond, southwest London, has thisadvice for entrepreneurs: “You don’talways need investment to start a busi-ness — be innovative with your ideas,work hard and show passion, drive anddetermination inanythingyoudo.”

HattieWilliams

TIPPING POINT ATWHICHABSENCE IS TOOHIGHRSwrites:Oneofmysenioremployeeshas sent in adoctor’snotesayingshe isn’t fit toworkbecauseofaknee injury. Shehasbeenoff alotover thepast 12monthsowingto stress that isn’t related towork.Atwhatpointdoes all this timeoffbecomeunacceptable?

Different companies set differenttriggers for addressingsicknessabsence,writesPeterDone,managingdirectorofPeninsulaBusinessServices. There isno legalpositiononwhat is “toomuch”absenceand therearemany factorsyoumaychoose toconsider.Robust absencemanagement

systemsare essential forkeepingontopof theefficiencyofyourworkforce.Agood systemwillincludeelements to recordand tracktheamountof leave takenbyeachemployee, and thenbe followedupbyamethodofmanaging thosewhoare takinganunacceptable amountof timeoff.Somecompaniesuse theBradford

Factor, amathematical formula fordetermining thepoint atwhichabsence is consideredaconcern. Itworksonamultiplication system,where thenumberof instancesofabsence ismultipliedby itself, andthenmultipliedby the totalnumberofdays takenoff.For example,someonewhohashad15daysofsickness, taken in3 instalments,wouldhaveaBradfordFactor scoreof 135 (3x3x 15).This systemtargetsthosewhoare repeat offendersofshort-termabsences, becausesomeonewho frequentlyhas shortabsenceswill attainahigher scorethansomeonewhohas takenonelongabsence.Frequent shortabsencesareconsideredmoredisruptive toa company.Youthenneed todeterminewhat

scorewill be the triggerpoint foraction.This level is atyourdiscretionand isnotprescribedby law.Alternatively, some firms justuse

thenumberof absencesas the trigger—all staffwhohavehad threeabsenceswithina rolling 12-monthperiodwill beaddressed, regardlessof the lengthof eachabsence.Whichever systemyouuse,you

shouldnot singleout this employee—it is important toadopt aconsistentapproachtoall staff absence. If youhavenever tackledher absence,youshould start theprocedure fromthebeginning.Donot leap inwithahigh-level sanction.

TWO TAX OPTIONS ONCOMMUTING PAYMENTSDRwrites: I runacompanyandmycommuting train ticket costs£750amonth. If I hadanannual seasonticket itwouldcost£8,250,which isaconsiderable saving. Idon’t take asalary, socanthe companypay formytravel instead?

If yourbusinessmakesadirectpayment to the rail companyonyourbehalf, youwill have toprocess itthroughyourcompany’spayrolland itwill be subject tonationalinsurancecontributions (Nics),writes JonDawson,partneratKingstonSmithLLP.Thecompanywill still have to report thebenefit inkindonaP11Dannualdeclaration foryou,whichmeansyouwillneed toinclude thecost as incomeonyourpersonal tax return.Asanalternative, if youmade the

paymentyourself and thecompanyreimbursedyou, theamountreimbursedwouldhave tobeprocessed throughthepayroll. In thiscase, itwouldbedeemed tobe salary,whichwouldbesubject to incometaxandNics.Youwouldpayanytax andNics immediatelyand thecompanywouldnotneed to report thebenefitinkind.Themaindifferencebetween

theseoptions is the timingof any taxpayments. If themoneygoes throughthepayroll, it is taxed in themonth itisprocessed. If themoney isdeclaredonyourpersonal tax return, the tax ispaid in January following theendofthe taxyear. If this is youronlysourceof income,notaxwill beduebecause theamount is belowthepersonal allowance.Manycompanies lendmoney to

employees so theycanbuyseasontickets—employees repay thismoneyduring theyear throughdeductions fromsalary. Inyourcase,thecompanywouldhave topayanotional salaryeachmonthanddeduct the season ticket repayments.

It’s not easy tryingto live off the state

Party people: Joe Blackman’s team delivered turnover of more than £3m last year

Party planner by appointmentto the Premier League stars

VICKI COUCHMAN

Charlie Davies has astring of regularcustomers for DotComms, the digitalmarketing and dev-elopment agency she

started a few months ago. But apublic sector contract would bebreadandbutter forher.“A contract like that would

be guaranteed income,” saidDavies, 25, who works from herhome near Clapham Common,southLondon.Yet she knows clinching such

a deal isn’t easy. “I wouldn’tknow how to find out what’savailable. I don’t even knowwhether I’m allowed to apply.”And, she added: “I’ve yet tomeet acompany thatworkswithor throughthegovernment.”For small companies, the

process of winning a contractwith the public sector is bothlengthyandcostly.Last year, £4.5bn of White-

hall’s procurement budget wenttosmall andmedium-sizedbusi-nesses. This amounted to only10.5% of the external contractsawarded. By the end of nextyear, it hopes to have increasedthat to25%.Although the target suggests

eagerness to open doors, morethandoublingthenumberofcon-tracts inayear is ambitious.“Small businesses can find

their efforts to win public sectorbusiness hampered by excessivebureaucracy and bidding costs,”said John Allan, chairman of theFederationofSmall Businesses.“The taxpayer misses out on

the innovation and flexibilitysmall businesses offer. Officialsshould look at breaking largercontracts into smaller lots, sim-plifying processes and engagingwith smaller companies at earlystagesonallmajorprojects.”Thebidding process canmean

days are sacrificed on a tender,time that could be spent onbusi-ness. Sometender-writingcom-panies charge thousands to pulltogether a bid, andmight want acutof thebusiness secured.Recently it was reported that

Buddi, Sara Murray’s mobilealarm and tagging supplier,

walked away from a contractwith theMinistryof Justice.The company accused the

ministry of changing the speci-fications of the contract anddemanding that Buddi handover its intellectualproperty.Buddi was selected as one of

four companies to tag and mon-itor offenders, after an extensivetendering process. The otherthree were Capita, Astrium andTelefonica. Murray, Buddi’sfounder and chief executive,called the process “unproduc-tiveand frustrating”.Debbie Pearson feels the

same. Bidding for a public sectorcontract has meant days out ofrunning Emergency ResponseTraining, her Doncaster com-pany that offers courses onfirst-aidandhealthandsafety.The business is registered

withfourportalsadvertisinggov-ernment contracts (The Chest,Yortender, DueNorth andNepo).

Last week, she received twotenders, one in the form ofa three-page document andanotherofmore than100pages.“Thereneeds tobeone frame-

work for all,” said Pearson, 41,whose father founded the busi-ness in 2002. She spent four daysonthe 100-page tender.“Companies approach me all

thetimeoffering tohelpwithwri-ting the pitch,” she said. “Thelast man asked for £1,000 and a5%cutof thebusiness Iwin.”Last year, local authority

tenders won through a portalamounted to only 2% of Pear-son’s£225,000turnover.Pearson is not the only one

with a gripe. In Hampshire,Richard Knight has spent weekstrying to contact a council abouta contract he wants to bid for.Focal Point, his firm with fivestaff, specialises in outdoor ad-vertising, including displays onbillboards,bus sheltersand taxis.

“There is a contract up soonthat Iwant tobid forbutmymes-sages and calls are not beingreturned,” said Knight, 56, whofounded the firm in 1987. “Idon’tdemand the right to get thebusiness; I justwant a fair shot atbidding.”He usually keeps out of bid-

dingwars forpublic sector deals.“I knowan agency that can havefour staff working on a tenderdocument for a month; I don’tknow a small business that hasthe timeormoneytodo that.”For those who have broken

into the public sector, successhas followed. One of them isAndy McLoughlin, 35, who runsHuddle, a software business thatallows users to work and storeinformation in the internet cloud.It was founded in 2006 and

now works with 80% of centralgovernment departments, andhas been approached by high-profile American institutions.

“Working with governmentprovides an instant stamp ofapproval,” saidMcLoughlin.But it wasn’t easy. From the

initial bid for the first state con-tract in 2008, it took threemonths to get a pilot of theservice intogovernmentoffices.“Traditionally, innovative

smaller companies have beenshutoutofgovernmentprocure-ment and this has been thedomain of technology goliaths,”saidMcLoughlin.He opened an office in San

Francisco in 2010 where heworks on contracts with theOffice of the Secretary ofDefense andNasa.Hehas 35 staffthereand100 inLondon.“Working with government

also requires dedication. Youmust ensure you meet certaincertifications and accredita-tions, and find the problems ingovernment that youcan solve,”saidMcLoughlin.

KingstonSmithLLP, the charteredaccountant, andPeninsula, theemployment law firm, canadviseowner-managers on their problems.Sendyourquestions toBusinessDoctor,TheSundayTimes,3ThomasMoreSquare,LondonE98 1ST.Advice isgivenwithout legal responsibility.

[email protected]

Business doctor

Charlie Davies of thestart-up Dot Comms:‘I don’t even know ifI’m allowed to apply’

VICKI COUCHMAN

Trying to win acontract withWhitehall can betime-consumingand costly, warnsKiki Loizou

SMALL BUS INESS 23 .03 . 14 / 13..........................................................................................................................................................................................................................................................................................................................................................................................................................................................