[simontrl]

The consultancy work is fairly low risk and would be covered by business insurance. Two Ltds would mean paying double the accountancy costs, getting two business current accounts, and a bit more personal admin? It doesn't seem worth it. If the SaaS started bringing in huge money I would likely stop consulting too.

[lmc]

Perhaps. Best to talk to an accountant. fwiw mine are about 70 quid a month, they're generally good but have f'd up in the past so i can't really recommend them. Hence my advice to try and keep things as simple as possible for them.

[simontrl]

Thanks, I was expecting a lot of "talk to an accountant" replies but you can't go into that blind imo because you need some base knowledge to ask the right questions and detect bad advice.