WELCOME FROM PAUL CHERPEAU, CHIEF EXECUTIVE OF LIVERPOOL CHAMBER
Welcome to the latest edition of our Well Connected magazine.
It has been a period of celebration mixed with trepidation for Liverpool Chamber and our members over recent months.
The celebratory moments naturally centred around our 175th Anniversary, the pinnacle of which was a visit from HRH The Princess Royal, who joined our executive event for Patrons and Strategic Partners at Everton’s new Hill Dickinson Stadium alongside local politicians and dignitaries.
Away from our anniversary, we have been able to celebrate moments of excellence and best practice among our membership and across the wider community. Notably, at the time of writing we approach our annual Innovation in Business Awards, the shortlist for which demonstrates the breadth of talent and expertise in our city region, and the potential to drive future economic growth.
A conference reviewing the Local Skills Improvement Plan (LSIP), for which we are the employer representative body, highlighted multiple examples of education providers and industry leaders collaborating to help close the skills gap and improve career opportunities for young people, and we look forward to the next phase of consultation with businesses around LSIP 2.0.
Another event, this time held on the red side of the city’s football divide, showcased how global organisations are driving local impact through a focus on social value, community engagement, and ESG commitments. Members also enjoyed a separate session delivered by Liverpool City Council, focussed on social value within procurement.
There have also been numerous good news stories of members securing new contracts, expanding their footprint or enjoying success trading overseas, many of which we have been pleased to share via the Chamber’s digital channels.
However, the trepidation and sense of caution among business owners remains, and is difficult to ignore.
There is no doubt we face a mixed economic picture, and uncertainty is dominating the decisions of business owners. Our role as a Chamber is to continue to help businesses navigate their way through challenges and find the right paths to opportunities.
Paul Cherpeau Chief Executive
Another Labour Party Conference blew in and out of Liverpool, yet the winds of positive economic change were but a brief whisper. The eve of the conference brought news of further delays to northern rail investment, the latest in a series of setbacks led by parties of all colours, and further failure to deliver the predictable investment timeline and improved infrastructure that employers and investors need.
A backdrop of tax raids on businesses and persistently high inflation, plus the anticipation of further negativity in the Budget, continues to sap business confidence that the government can deliver on their behalf, and we must hope for more benevolent policy decisions in the coming weeks and months.
The results of our latest Quarterly Economic Survey bear this out, with many businesses reporting low confidence and taxation, red tape, and employment legislation cited as major burdens. You can read more details of QES responses later in this edition.
There is no doubt we face a mixed economic picture, and uncertainty is dominating the decisions of business owners. Our role as a Chamber is to continue to help businesses navigate their way through challenges and find the right paths to opportunities.
I hope you enjoy reading this edition and I look forward to seeing many of you soon.
Paul
MANY LCR FIRMS IN ‘PARALYSIS’
DUE TO ECONOMIC UNCERTAINTY
Economic uncertainty is causing businesses in the Liverpool City Region to hold back from investing or hiring staff, according to the latest Quarterly Economic Survey (QES).
The survey shows taxation remains a growing concern, with 62% of Liverpool City Region firms saying it is more worrying now compared to three months ago, while inflation was highlighted by 54% of respondents.
Nearly half (45%) anticipate raising their prices in the near future, with 90% under pressure to increase prices due to employment costs. Utilities (59%) and raw materials (41%) are also significant cost pressures.
More than two-thirds (81%) expect turnover to improve or stay the same in the next 12 months, yet almost a third (31%) expect profitability to drop, and more than half (52%) believe their business is operating below full capacity. When asked about cashflow, 46% said it had fallen, with investment plans for tech, plant and machinery hardest hit.
Almost half (46%) said export orders and advance agreements have declined, while a similar amount (42%) said export sales have fallen. In contrast, fewer than 25% of respondents said UK sales and orders have dropped, around a third reported an increase, with the remainder reporting no significant change.
60% do not expect to change the size of their workforce, but just 13% expect headcount to fall, reflecting a hesitancy among business owners to make longerterm decisions. Nearly two-thirds have attempted to recruit in the period, with full-time jobs on the agenda for 80% of those respondents, yet 70% encountered difficulties in doing so, with skilled or manual workers accounting for 55% of those challenges.
Local QES data was collected by Chambers of Commerce in Knowsley, Halton and Liverpool.
Paul Cherpeau, chief executive of Liverpool Chamber, said:
“This survey underlines the frustrating reality that many businesses find themselves in a state of paralysis, unable or unwilling to move ahead with growth or investment decisions, understandably concerned about the impact of UK government policy around business taxation and the National Minimum Wage, as well as global factors such as tariffs and conflict.
“The impact of this trading environment can be seen bleeding through into the city
region and UK economy, with stagnant GDP growth and lower productivity, while the looming threat of a Budget in November only serves to heighten tensions.
“We urge the government to reassure businesses by bringing forward a sustainable and deliverable long-term plan for economic growth that doesn’t involve any further tax raids on business owners and employers.”
That uncertainty was reflected in some of the narrative responses to the survey. One business owner said:
“We are having lots of sleepless nights. Since the tax and NI changes kicked in in April 2025, the trading environment has become increasingly difficult. Pre-April, with the work we had planned with clients for the rest of the year, we had a projected 60-75% increase in turnover by our year-end in October.
“However, a combination of increased costs and overheads, and clients cutting non-essential aspects of planned projects due to their own increased costs and overheads, means we will end this year with less turnover than last and in deficit. It is only through very savvy decisions and budgeting that the business is still operating.”
Others are concerned over a slowdown in public sector projects damaging their future prospects.
“The outlook remains consistent, but we are still trading on Conservative governmentfunded work in the public sector. Currently Labour government policy suggests that once this runs out, no real opportunities are expected to come to fruition under their present strategy, hence we see increasing our private sector exposure critical to shortmedium term survival - however this is not a great market in the north.”
There was some positive feedback among respondents, one said:
“A very slow start to the year has suddenly turned into a very busy Autumn, with a lot of new opportunities coming along at the same time. Many of these have been in the development pipeline for several years, so the real test will be whether the growth is sustained next year and beyond.”
“We urge the government to reassure businesses by bringing forward a sustainable and deliverable long-term plan for economic growth that doesn’t involve any further tax raids on business owners and employers.”
QUARTERLY ECONOMIC SURVEY Q3 2025
Business sentiment remains flat ahead of the Budget. The BCC’s Quarterly Economic Survey (QES) for Q3 2025 - the UK’s largest independent survey of business sentiment, made up of 4,669 respondents - shows that most indicators remain unchanged from the previous quarter and are at 2022 levels, with taxation and inflation the top concerns.
Taxation remains the top concern, cited by 59% of respondents
Domestic Sales
The percentage of responding businesses reporting increased domestic sales remains unchanged from last quarter, at 32%.
43% reported no change and 25% reported a decrease. Sectoral breakdowns show increased sales are at their lowest among retailers (21%).
Almost half (44%) of firms expect to rise prices over the next three months
Confidence and investment levels remain at 2022 levels
Overall, 25% of businesses say they have seen decreased investment in machinery and equipment. 54% report no change, while only 21% have increased their plans.
The issue is more marked in certain sectors, with over a third (35%) of hospitality firms scaling back of investment plans. The figure for those in the retail sector is 30%.
QUARTERLY ECONOMIC SURVEY Q3 2025
The percentage of firms expecting their prices to rise remains high at 44%, from a near-historic high 55% in Q1.
Prices
As measured as a percentage balance, the services sector stands at +42% while the manufacturing sector stands at +43%, similar to 2022 levels where the UK faced an energy price crisis.
External factors
Overall, tax continues to be the biggest concern for businesses, cited by 59%, slightly up from 56% in Q2. Before the 2024 Budget, taxation was cited by 36% of firms.
Concern about inflation has also increased, cited by 57% compared with 52% in the previous quarter.
Firms in hospitality sector are the most likely to be concerned about taxation and inflation, at 62% and 63%, respectively
The view from businesses:
“The uncertainty around future tax increases to business is directly affecting investment and recruitment decisions we are making. Projects are going on hold over the next couple of months until the end of the year.”
Medium sized manufacturing firm in Liverpool
“National insurance increase was a disincentive to further employment, and as a business we cannot cope with further taxation.”
Small manufacturing firm in Scotland
“Increases in NI contributions and also uncertainty on how favourable the UK government will treat business in the future are a concern.”
Micro professional services firm in Northern Ireland
“Costs are spiralling out of control in almost all cost areas....The burden of taxation is becoming too high to live with.”
Medium sized transport firm in Aberdeen
CHAMBER APPOINTS GOODSHIP FOUNDER GAVIN SHERRATT AS FRACTIONAL CONSULTANT
The Chamber has appointed Goodship Founder Gavin Sherratt as fractional consultant for digital, creative and technology, further strengthening the Chamber’s commitment to supporting innovation and growth across the city region’s thriving tech and creative sectors.
Gavin brings more than 27 years of experience in the digital industry, and has launched GoodShip, a new collaboration agency focused on building creative and tech teams to support growth ambitions for partner clients. GoodShip offers strategic consultancy and development services, working closely with organisations to scope projects, build solid foundations, and deliver impactful solutions.
In his role with the Chamber, Gavin will provide strategic insight and sector expertise to help shape the Chamber’s digital and creative agenda, supporting member businesses and contributing to the region’s innovation ecosystem. He is also undertaking a digital transformation project designed to revolutionise the Chamber’s use of data, technology and AI.
Gavin stated: “Liverpool has always been a place of creativity and resilience. I’m excited to work with the Chamber through
Goodship to help unlock new opportunities for businesses and drive meaningful change through technology and collaboration.”
Paul Cherpeau, chief executive of Liverpool Chamber, said: “Gavin’s appointment through Goodship reflects our ambition to embed digital and creative thinking into everything we do for our members. His experience, network and passion for Liverpool’s tech community will be invaluable as we champion the importance of the creative and digital sector in the city region economy and find new ways to support our members.
“Together, we are transforming our use of data, AI and digital technology to better serve our members and customers. We’re excited to be working on a programme for 2026 which will bring a fresh and exciting dynamic to our work and further boost the positive impact we make to our members.”
OUR REFRESHED MEMBERSHIP TEAM
Our membership services team has been refreshed with the arrival of Debbie Elliott-Brown as Membership Engagement Manager and Zak Hammond as Business Engagement Officer.
Debbie said: “I’m here to listen to members business issues, understand your goals, and help shape support that’s practical, relevant and impactful.”
Zak added: “I am the first point of contact for many of our members, supporting member campaigns and assisting businesses throughout their membership journey”
Head of Commercial Services Lizzie Hughes stated: “We’re delighted to welcome Debbie and Zak. They will both provide front-line engagement with our members to maximise the value they get from their Chamber membership and wider services.”
Debbie Elliott-Brown Membership Engagement
Zak Hammond Business Engagement Officer
Lizzie Hughes Head of Commercial Services
WELCOMING OUR NEW PATRON AND STRATEGIC PARTNER
We’re delighted to welcome Uber as the newest Patron of Liverpool Chamber. As a global leader in mobility and technology, Uber brings innovation, scale and a forwardthinking approach to the Chamber network.
We’re also pleased to announce Stepnell as a new Strategic Partner. Stepnell is a family-owned construction firm with a strong reputation for delivering high-quality projects across multiple sectors. Their recent expansion into Liverpool marks a significant step in their commitment to supporting
CELEBRATING SUCCESS WITH MACHMADE
DYNO-ROD
We’re always proud to support our members, and it’s been a pleasure working with Kate and the team at Machmade Dyno-Rod. Kate’s recent LinkedIn post was a wonderful reflection of the value they’re gaining from their Chamber membership, and we’re incredibly grateful for their kind words.
It’s fantastic to see Machmade Dyno-Rod actively engaging with all aspects of their membership—from networking and events to gifting memberships through our ‘pay it forward’ initiative. We look forward to continuing to work closely with them and supporting their growth across the Liverpool City Region.
Ready to Join?
regional growth and building strong local partnerships.
Both Uber and Stepnell bring valuable expertise and energy to our Chamber community, and we look forward to working closely with them to create opportunities, drive innovation and support our members.
Strategic Partner
Kathryn Orr Sales & Marketing Director - Chair & Co-Founder ‘Fighting to be Heard’
Being part of the Liverpool Chamber over the past year has been such a gift both for DYNO - ROD - Plumbing & Drains Merseyside - Machmade Ltd and for me personally.
I have to share how much I have enjoyed working with Lizzie Hughes, Christine Vaudrey, Paul Cherpeau most recently supporting their panel at St Helens Rugby ground. I’ve also enjoyed writing articles for Well Connected Magazine for lovely Jessica Miller which as ex head of sales for Newsquest I believe has great value in its pages.
Tomorrow we celebrate 175 years of the Liverpool Chamber of Commerce. It’s mind-boggling to imagine the kinds of businesses shaping Liverpool back in 1849 and to think of everything the Chamber has stood through since then. From the Crimean War to two World Wars, recessions, and global upheavals, Liverpool’s business community has endured, adapted, and continued to thrive.
On a personal note, my own family has a deep connection to this city my great uncle served as Lord Mayor of Liverpool twice in the 1970s, something we remain very proud of.
I love business, I love Liverpool, and I love what the Chamber does to bring people and organisations together. I feel very lucky to be part of it and I can’t wait to celebrate tomorrow.
See you there
#liverpoolchamber175 #liverpool
#liverpoolcityregion #lcr
There’s never been a better time to become part of Liverpool Chamber. Whether you’re looking to grow your network, raise your profile, or access expert support, we’re here to help you make the most of every opportunity. Visit liverpoolchamber.org.uk to sign up or contact our team to find the membership that’s right for you.
Clatterbridge Cancer Charity www.clatterbridgecharity.org
Marketing the Change Liverpool Web Design & SEO www.marketingthechange.com
NatNolan Cleaning Service www.natnolancleaning.co.uk
Odyssey Living Limited www.odysseyliving.co.uk
Pelorus Chauffeurs www.peloruschauffeurs.com
Pleasure Care Services Limited www.pleasurecareservices.co.uk
Premierpoint Development Limited www.liverpoolcitystays.com
Pro Shim Supplies UK Ltd www.proshimsuppliesuk.com
Purple B Logistics Ltd www.purpleblogistics.co.uk
Rotary City of Liverpool www.cityofliverpool.org
SPK Financial Solutions www.spkfs.co.uk
Stepnell Ltd www.stepnell.co.uk
Stick ‘n’ Step www.sticknstep.org
TCD Energy LTD www.tcdenergy.com
The Greenbank Project www.greenbankcollege.org.uk
The Marketing Room www.themarketingroom.co.uk
The R&A www.randa.org
Thunderbolt Web Design Ltd www.thunderboltwebdesign.co.uk
TVC UK Holdings Ltd www.wesco.com
Uber www.uber.com
Vinyline Graphics www.vinyline.co.uk
RESTRUCTURING WITHOUT REDUNDANCY: LEADING THROUGH RISING COSTS
By Peter Waller-Flynn CEO, Privilege HR
In recent months, I’ve spoken on the BBC, The Economist and several local Forums about a dilemma facing thousands of small businesses: how to survive rising costs without defaulting to redundancies.
From government-driven increases in employer National Insurance and compliance obligations, to higher borrowing and energy bills, the pressure on SMEs is relentless. Many owners feel payroll is the only option left. But in most cases, redundancy should not be the first move. With discipline and imagination, businesses can restructure, protect jobs, and hopefully prepare for recovery. The experience of specialist advisors, such as accountants or HR specialists, can support you to make the right decisions in these tough times.
Focus on work, not just headcount
Restructuring should start with a review of the work that is required and the skills that are required to perform them. Don’t go straight for the profit and loss accounts - as good as that might sound. Ask yourself the question: what work is truly essential to generate revenue and deliver value? By challenging every activity, many firms find 10–15% of tasks that can simply be paused or stopped without affecting headcount. The conversation shifts from “who can we cut?” to “what work must we do, and how do we do it more efficiently?”
Attack costs before payroll
Before removing jobs, audit the non-people costs. Renegotiating leases, consolidating software licences, and rethinking supplier terms can release as much money as multiple redundancies. Many SMEs carry hidden inefficiencies in duplicated systems or unnecessary services; supplier costs that can be renegotiated. Cutting these first buys time and preserves the capability within your team.
Redesign roles and hours
If payroll savings are unavoidable, consider work redesign over headcount reduction. Options include voluntary reduced hours, job sharing, four day weeks or seasonal contracts. These flexible approaches protect jobs while adjusting spend. Alongside this, standardising roles and automating repetitive admin through the use of AI can free capacity without losing staff. Where possible, redeploy atrisk employees into customer-facing or compliance-critical roles rather than letting them go.
Transparency builds trust
Employees know when costs are rising; silence breeds fear. Be open about targets (“we must reduce costs by 12–15% in 120 days”), explain the sequence of steps (nonpeople savings first, redundancies only as a last resort), and invite suggestions from staff. It never ceases to amaze me how junior staff often come up with the best ideas on cost savings. By taking this step, trust within the workforce is preserved;
people feel consulted rather than blindsided.
If redundancy is unavoidable
Sometimes cuts are necessary. In the UK, that means following strict legal processes: genuine redundancy, fair selection criteria, consultation, and suitable alternative employment. Leaders must take suitable advice but must also remember to handle exits with empathy and respect. The person is probably fearful for the future and could be someone’s Mum or Dad, Aunty or sister. Help them look forward and support them in the transition. It’s worth remembering that many sectors are small and everyone knows each other. Those same people may one day return as customers, suppliers, or even employees again.
In an era of rising costs and shrinking margins, leadership means making hard decisions openly, lawfully, and empathetically. Redundancy may sometimes be unavoidable, but it should never be the default. The future belongs to businesses that protect their people while reshaping for resilience.
If you would like to discuss options for your business going forward, then please feel free to contact Privilege HR for a confidential discussion. We have significant experience in this field and have helped businesses not only survive, but to go on and flourish.
privilegehr.co.uk
hello@privilegehr.co.uk
If payroll savings are unavoidable, consider work redesign over headcount reduction. Options include voluntary reduced hours, job sharing, four day weeks or seasonal contracts. These flexible approaches protect jobs while adjusting spend.
IS YOUR BUSINESS READY FOR A FUTURE OF INNOVATION?
Innovation is transforming how organisations grow. Artificial intelligence is fast becoming an everyday tool for smarter working, and quantum computing is rapidly moving from theory to reality. Meanwhile, cyber threats are evolving faster than ever, raising tough questions for every business leader:
How do we seize new opportunities without putting our business at risk?
Innovation Starts with Readiness. You don’t need to have all the answers straight away, knowing where you stand is the first step.
Taylored Solutions has two simple, free tools designed to give business leaders clarity:
• AI Readiness Assessment – discover how prepared your organisation is to unlock AI’s potential responsibly and effectively.
• Cyber Security Assessment – evaluate your resilience and identify the gaps that could hold you back.
Your 3-Step Plan to Smarter Innovation
1. Take the free assessment
Choose AI or Cyber Security - or both - and complete the short online questionnaire.
2. Check your results
Get instant insights into your organisation’s strengths and areas for improvement.
3. Book a no-obligation call
Talk to us about what your results mean and how to move forward with confidence.
From Busywork to Business Growth
Taylored Solutions are working with financial services companies to innovate and grow their businesses with the help of AI. Working together, we introduced innovative AI solutions to automate time-consuming monotous daily tasks. The results so far:
• Employees gained hours back in their day.
• More time has been invested in customer conversations and relationship-building.
• Growth, not from job cuts, but using peoples freed up time to do the work that drives value and growth.
By implementing innovative AI solutions, their people gained hours back in their week. Instead of admin, they spent more time connecting with new customers and strengthening relationships with existing ones. This is innovation in action, growth happens when people have the time to focus on their customers.
SCAN THE QR CODE TO COMPLETE OUR CYBER SECURITY ASSESSMENT
SCAN THE QR CODE TO COMPLETE OUR AI READINESS ASSESSMENT
ABOUT TAYLORED SOLUTIONS
Taylored Solutions is an IT consultancy company based in the Isle of Man and the UK, supporting businesses and their IT providers with cyber strategy, digital resilience, and independent technology advice.
We offer a range of services, including Virtual CTO support, helping organisations bridge the gap between technology and business goals, without the commitment or cost of a full-time in-house role.
Website: www.tayloredsolutionsltd.co.uk
Email: mail@tayloredsolutionsltd.co.uk
Tel: U.K 0151 329 3989
LIFT-OFF FOR NEXT PHASE OF LOCAL SKILLS IMPROVEMENT PLAN
Businesses must “get round the table or face being on the menu”, says industry leader
The Liverpool City Region’s Local Skills Improvement Plan (LSIP) is set to take a major step forward as it enters an important new phase.
A six-month period of detailed consultation is now underway with business leaders across the city region to understand their current and future skills requirements and gain their insights on how to help education and training providers resolve long-term challenges.
This information will be used to inform recommendations for the creation of a new plan, known as LSIP 2.0, aligned with and further supporting delivery of the LCR Local Growth Plan. It aims to improve career opportunities for young people over the next three years, with specific focus on sectors including construction, advanced manufacturing, professional and business services, hospitality and visitor economy.
A review of recent LSIP activity, including its sector-led industry learning partnerships, was shared at a conference entitled Impact & Ambition, organised by Liverpool Chamber, which is the chief convenor of the LCR LSIP alongside other local Chambers of Commerce. More than 100 delegates heard from business and college leaders on the various collaboration projects and examples of best practice they have achieved.
Paul Cherpeau, chief executive of Liverpool Chamber, said:
“LSIP is not about consultation for the sake of it, but about meaningful dialogue and codesigning programmes with employers. We are lucky in the Liverpool City Region to have strong partnerships within education and industry with shared values and ambitions to make a positive impact.
“We don’t want to create a false impression that colleges and training providers have never spoken to an employer before and suddenly LSIP waves a magic wand and it just happens. It’s simply not the case - there have been some outstanding examples of collaboration between these organisations and the conference was an opportunity to showcase some of those, while also looking ahead to LSIP 2.0 over the coming months and years.”
Liam Hanlon, managing director of Forshaw Group, was keynote speaker at the event. He said:
“There are tens of thousands of businesses in the Liverpool City Region working hard to
keep growing and supporting our regional economy, in the face of increasing challenges. Too often, their voices are not heard on skills and that must change - LSIP can help to do this but it can only work if it is employer-led, collaborative and forward-thinking.
“The numbers of vacancies have dropped and demand for the right talent is greater than ever. That means we must do more than simply search for talent - we must grow it.
“To close the skills gap, we must listen, not just consult, and act, not just respond. Businesses must get involved in LSIP 2.0 - it not only strengthens your business, but also the communities you serve, and that should be our long-term aim. If you’re not at the table, you’ll be on the menu.”
Clare Webster, director of apprenticeships and skills at St Helens College & Knowsley Community College, said:
“Many organisations don’t fully understand what we as colleges do or what we can offer, so I’d recommend businesses visit us to find out more. While there are similarities in what we offer, our ability to bespoke our partnerships is crucial.
“In return, we learn from businesses about new job roles on the horizon and we welcome their advice on the types of technology we should invest in to maximise students’ learning.”
Jane Gratton, deputy director of public policy at British Chambers of Commerce, added:
“We’re facing a critical moment as the world of work changes at a rapid pace. New technologies are shaping the knowledge and skills businesses need and we have to embrace it in order to be productive and competitive.
For more details or to get involved with LSIP, contact jane.clappison@liverpoolchamber.org.uk or visit www.liverpoolchamber.org.uk/local-skills-improvement-plan
“LSIPs like the partnership here in Liverpool are a key part of the solution. To deliver growth, we have to turbo-charge our investments in skills. A skilled workforce will underpin the success of the industrial strategy, and the productive, innovative, and inclusive economy we all want.”
Five incredible examples cited of collaboration between industry and education:
The Stirling Plastering Academy, launched by Hugh Baird College in conjunction with a local plastering firm to support skills development in the sector.
The Eco Hub, a cutting-edge facility designed to inspire and train the next generation of plumbers, engineers, and electricians in sustainable energy careers.
LCR Ignite, a pilot programme introduced by Carmel College and Inovus Medical, provides opportunities for 24 students, including those from disadvantaged backgrounds, to gain first-hand experience of career opportunities in life sciences.
City of Liverpool College helped Arena & Convention Centre Liverpool to recruit 15 students into front-of-house roles, while it also supports businesses such as Robertson Group to help skilled technicians gain the necessary leadership skills to develop their careers.
Wirral Met College co-created a college-based programme with Cammell Laird shipbuilders for 16 to 18-year-olds, allowing them to follow an engineering and shipbuilding pathway.
Photo by Leon Britton Photography
REIMAGINE BANKING A NEW WAY TO BANK
Steve Chu, Head of Commercial Banking at iFAST Global Bank, talks to Sarah Dale about the benefits for SMEs to banking with a global digital bank and the value of face-to-face networking in the local community.
Reimagine Banking– that is the strapline of iFAST Global Bank. The global digital bank has been designed to make banking easier for SMEs by creating one account for transactions and savings with multiple currencies.
It is part of iFAST Corporation, a global digital banking and wealth management platform, which has its headquarters in Singapore.
Established in 2000, the Group offers a comprehensive range of investment products and services to financial advisory firms, financial institutions, banks, multinational companies, as well as retail and high-networth investors across Asia.
“Face-to-face contact is important to us. We believe that even though we are a digital bank, the human connection is a key and valuable point to establishing a positive relationship with customers.”
In 2022, iFAST Corporation acquired a UK bank and rebranded it as iFAST Global Bank. It provides multi-currency deposits, domestic and international payments, and foreign exchange services. Regulated by both the Prudential Regulation Authority (PRA) and the Financial Conduct Authority (FCA), iGB operates across three divisions:
• Digital Personal Banking – enabling individuals, including those abroad, to open a UK multi-currency current account.
• Business Banking – Two dedicated sub-divisions were established to serve distinct client segments: Commercial Banking, serving SMEs and corporates with domestic and cross-border payment needs, and Transactional Banking, supporting regulated financial institutions including banks and NBFIs.
• EzRemit – delivering fast and convenient global remittance services.
Steve Chu, Head of Commercial Banking at iFAST Global Bank, said:
“There are many ways our vision of iFAST is changing the landscape of banking. Our customers can have a multi-currency business account, which is very beneficial to companies which operate worldwide. Customers can also benefit from having their current account and savings account as one account which is particularly beneficial for SMEs and start-ups so they don’t have to juggle funds around accounts
“We want to simplify banking and make it easier for SMEs. What customers are looking for is a trustworthy bank.”
Steve worked in banking in Hong Kong in wealth management and investments before moving to the UK in 2021 to work for HSBC UK. He joined iFAST Global Bank in 2023 and built the personal banking team and, along with CEO Inayat Kashif, established the commercial banking team. iFAST Global Bank is based in the UK at Canary Wharf and has a team of 70-80 employees. In November, they are moving to a larger office, which is double the size of their current space, within the same building to support their growth and are also recruiting to grow the team. As well as the UK team, iGB has a team in Asia, including an IT team in Malaysia and an additional customer services team in Malaysia.
“Having customer service teams based in both the UK and Malaysia mean that our customers can reach us whatever time of dayit is and from wherever they are based,” adds Steve.
The company, which won the Best Newcomer Award at the British Bank Awards 2025, is on a growth trajectory, however, Steve says the challenge they face is raising awareness of how digital banking can benefit customers.
“Business banking can be quite traditional,” explains Steve. “Business owners are sticking with the separate current and savings accounts as they don’t realise there is an
option like ours, which makes banking simpler. It is quite a new concept.
“We are new to the industry, but at the same time, we are actively listening to our customers. We are growing our business and growing our customers’ businesses.”
They joined West London Chambers of Commerce two years ago.
“We became Chamber members as we are quite new to the area,” adds Steve.
“Face-to-face contact is important to us. We believe that even though we are a digital bank, the human connection is a key and valuable point to establishing a positive relationship with customers.”
Part of the ethos of iFAST is to give back to the community which they do in several ways, including supporting cultural events such as sponsoring the London Lunar New Year Fair, supporting the Miyabi Matsuri Japanese Summer Festival and this year, they will be sponsoring an Indian community event.
For the past two years, they have sponsored the Bessingby Park Rangers U9/U10 teams, and this year they will continue their support to encourage more children to enjoy and participate in football.
They also provide sponsorships for international student associations, helping students feel welcomed and supported in the UK.
www.ifastgb.com/en/commercialbanking
CITY REGION SMES AT GLASS FUTURES EVENT
Following the success of the sell-out defence event at Glass Futures in St Helens earlier this year, RTC North returned with another packed session helping businesses across the Liverpool City Region uncover their potential in this fast-growing sector.
The event once again welcomed close to 100 delegates from a wide variety of industries. With UK defence spending set to rise to 2.5% of GDP by 2027, interest in accessing opportunities within the sector has never been stronger.
Opening the session, Cammell Laird provided a keynote on supplier opportunities and outlined requirements for supplying into defence, from standards and accreditations to the range of goods and services they procure.
Didde Bjerglund Martin from JOSCAR outlined supplier compliance, while Morgan
Oakes from the North West Cyber Resilience Centre covered cyber essentials. Delegates also heard from Helen O’Rourke of the North West Regional Defence and Security Cluster, Lynsey Parke from DASA, and Dan Parvaz from Make UK Defence.
There were also presentations by Senior Weston, Summit, and MPE Interiors, offering practical insights into the realities of supplying into the defence sector.
In addition, Cammell Laird’s procurement team hosted exclusive Meet the Buyer
appointments, giving businesses the rare chance to sit down with decision makers. Feedback highlighted the value of this engagement for targeted advice and relationship building.
Delivered as part of RTC North’s ongoing partnership with Growth Platform, the event supports local SMEs in accessing high-value markets like defence and realising their growth potential. It also reflects RTC North’s broader commitment to strengthening local supply chains and ensuring that both defence and other industries become more accessible to companies ready to grow and diversify the way they do business.
Reflecting on the day, Steve Wilkinson, Programme Manager at RTC North, said: “Events like this are about more than information sharing, they’re about bolstering the local supply chain and giving businesses the confidence to step into new opportunities.”
Held once again at Glass Futures, the showcase reinforced the message that the time for businesses to explore the defence market is now.
A CHAMBER PERSPECTIVE: AI, MARKETING, AND THE HUMAN TOUCH
AI, Storytelling & the Fifth Industrial Revolution: Insights from the VEC & Novel Event
Liverpool Chamber recently took part in an insightful event hosted by the Virtual Engineering Centre (VEC) and Novel, exploring how AI is reshaping marketing and storytelling. The focus wasn’t on a distant, dystopian future—but on how businesses can use AI to create more human-centric, emotionally resonant marketing.
The VEC, based at the University of Liverpool, is a leader in digital innovation, helping organisations adopt technologies like AI, digital twins, and advanced
visualisation. Representing the Chamber, Gavin Sherratt (Fractional Consultant for Digital, Creative & Tech) and Jessica Sturgeon (Marketing Assistant) attended to explore how these tools can benefit our members and the wider city region.
Key Takeaways
Speakers offered diverse perspectives: Dan Sodergren introduced the concept of the ‘Fifth Industrial Revolution’, urging businesses to combine artificial, emotional, independent, and organisational intelligence.
Emma Green & Jon Corner (Novel) discussed ethical AI use and the importance of demystifying the technology.
Ben Prangell (Asenda Law) addressed legal concerns, including IP ownership and GDPR compliance.
Jim Mooney & Sarah Jackson led a fireside chat on storytelling, reinforcing that authentic human connection remains central to marketing.
A compelling metaphor emerged: data is no longer ‘oil’ to be extracted, but
‘soil’ to nurture creativity. AI enables hyper-personalised, people-to-people marketing—moving beyond mass emails to tailored customer journeys.
As Jessica noted, “AI helps our members build deeper, more personal connections with their customers.”
Navigating Challenges
Speakers cautioned against adopting AI without strategy. Risks like ‘AI smuggling’— sharing sensitive data with public models— highlight the need for clear plans and legal awareness. Clean data and curiosity are key to responsible adoption.
Looking Ahead
AI will automate tasks, but human-led experiential marketing will thrive. As Gavin said, “The real value is freeing people to do creative, relationship-building work.”
The message was clear: technology should amplify human connection, not replace it. At Liverpool Chamber, we’re committed to helping members use AI to tell powerful, human stories that drive growth.
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HEALTH-TECH BREAKS THROUGH BARRIERS AT MEDICASH
With so many of our daily activities now taking place via apps or online – from QR codes to AI chatbots – technology today can begin to feel a little overwhelming. Liverpool-based health cash plan provider Medicash, however, seems to have cracked the code, bringing a curated suite of the latest health-tech innovations to employees across the UK.
“We’ve always believed that the very best healthcare solutions should be available to as many people as possible,” says Paul Gambon, Medicash’s Sales & Marketing Director. “It’s the reason we originally formed back in 1871, right here in Liverpool. Today, we do that by leveraging the leaps
and bounds made in technology and artificial intelligence to the advantage of our policyholders, offering them access to cutting-edge innovation at no extra cost to them.”
Medicash is proud to be considered technological pioneers in the health cash plan field, having introduced an increasingly wide range of apps, tools, and gadgets to its popular plans for over a decade.
After launching the first digital claims app in their industry, My Medicash, back in 2014, Medicash have steadily increased their offering to include digital services that – at the tap of a smartphone – can improve hearing and brain function, provide in-depth physiotherapy triage and treatment, improve access to mental health and GP services, and even identify cancerous moles and high blood pressure. Through a groundbreaking partnership with DNA experts Muhdo, Medicash have even enabled policyholders to unlock the secrets
within their genes and explore their health predispositions on a genetic level.
“Technology is an incredible equaliser when it comes to health,” says Paul.
“By increasing access to medical services that would otherwise mean a long wait on the NHS or a hefty private cost, we see our investments in digital healthcare as a way to both drive down NHS waiting times for the most vulnerable and empower employees across the UK to take ownership of their healthcare from the start.”
You can find out more about Medicash’s range of digital health tools and cash plans at www.medicash.org
Paul Gambon, Medicash’s Sales & Marketing Director
INNOVATING RISK: HOW COEUS INSURANCE IS REDEFINING PROTECTION IN THE LIVERPOOL CITY REGION
As the Liverpool City Region cements its reputation as a hub of future-ready enterprise, innovation is emerging as the cornerstone of sustainable growth. Among the organisations leading this charge is Coeus Insurance Management, a firm that’s transforming how businesses think about risk - both physical and digital.
Coeus’ innovation begins with its bespoke Fact Find process, a strategic deep-dive into each client’s operations. This enables the team to identify nuanced risks and craft tailored insurance solutions that go beyond generic coverage. Whether it’s a property portfolio or a tech startup, Coeus ensures protection is aligned with real-world exposure.
In today’s digital-first economy, cyber insurance has become a critical pillar of business resilience. Coeus is at the forefront of this shift, offering advanced cyber coverage that protects against data breaches, ransomware, and reputational damage. Their approach isn’t just reactive, its proactive, helping businesses understand and mitigate cyber threats before they escalate. This is particularly vital for SMEs in Liverpool embracing digital transformation but lacking in-house cybersecurity expertise.
Coeus also leverages exclusive insurer partnerships to provide access to products not available on the open market. This gives Liverpool businesses a competitive edge,
combining comprehensive coverage with cost efficiency.
Their commitment to clear, jargon-free communication ensures that even complex policies, like cyber insurance, are easy to understand and implement. With over 50 years of combined experience, the Coeus team brings both depth and agility to the table, helping clients navigate an increasingly unpredictable landscape.
As an independently owned brokerage, Coeus ensures every recommendation is driven by client need, not corporate allegiance.
In a region where innovation is shaping everything from tech to transport, Coeus Insurance proves that even traditional sectors can be transformed through creative thinking and client-first strategies. Their work not only safeguards Liverpool’s enterprises, but it also strengthens the foundation for sustainable, secure growth.
As we celebrate the Innovation in Business Awards, Coeus stands as a testament to how thoughtful disruption can elevate an entire sector and help position our city region as a beacon of enterprise excellence.
DSG HITS RECORD £8M REVENUE
12 MONTHS ON FROM MBO
Liverpool-based accountancy & advisory firm says growth was driven by focus on helping clients navigate challenges & opportunities
Liverpool’s largest independent accountancy and advisory firm DSG is celebrating a year of record growth, 12 months on from its management buyout (MBO).
The firm, which has remained independent, has reported turnover exceeding £8m for the first time in its history.
Revenues in the current financial year are tracking 10% ahead of the same period last year, with the firm attributing its growth to its advisory-led approach and focus on helping clients navigate challenges and opportunities.
Over the past year, the company has expanded its services for owner-managed businesses, adding to its established strengths in audit, accounts and compliance with investment in advisory areas such as tax, corporate finance and wealth management.
The business also grew its Virtual Finance Office (VFO), which uses cloud-based technology to provide real-time financial insights.
Since the MBO last year, 25 new recruits have joined, including audit partner Kate Taylor and senior manager Chris Wright, who leads the expanding VFO team.
Last month alone, six graduates and apprentices came on board, alongside two university placement students.
A further 16 employees are currently pursuing professional qualifications.
This commitment was recognised earlier this year with the award of Investors in People accreditation.
“It has been a transformative year for DSG,” said Mark Kearsley, partner at DSG who coled the MBO.
“Remaining independent has allowed us to stay true to our heritage and communities,
“Everything we do has continued to focus on helping our clients secure their financial futures with confidence.”
while also evolving to meet the changing opportunities and challenges that our clients face.
“Everything we do has continued to focus on helping our clients secure their financial futures with confidence.”
Laura Leslie, partner and co-leader of the MBO, added: “Our MBO was a statement of belief in our people and business that remains unchanged.
“A year on, the decision has been reflected in record turnover, a widening of our services and brilliant recognition of our team.
“We are proud to continue offering independent, high-quality advisory services that help businesses across all sectors maximise value at the moments that matter most.”
www.dsg.co.uk
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UK-INDIA TRADE DEAL MARKS START OF NEW ERA
Historic UK–India Trade Agreement Unlocks New Era of Economic Partnership
In a landmark move, the United Kingdom and India have signed a comprehensive Free Trade Agreement (FTA), marking in a new era of bilateral cooperation and economic opportunity. The agreement, signed on 24 July 2025, significantly reduces trade barriers and is expected to double bilateral trade to $120 billion by 2030.
India’s Export Advantage
Under the new deal, 99% of Indian exports to the UK will now enjoy duty-free access, benefiting a wide range of sectors:
• Agriculture: Including fruits, vegetables, spices, pulses, pickles, jackfruit, millets, and organic herbs.
• Marine Products: Such as shrimp, tuna, fishmeal, and aquaculture feeds.
• Textiles & Apparel: Over 1,100 product categories now tariff-free.
• Engineering Goods: Tariffs of up to 18% eliminated.
• Pharmaceuticals & Medical Devices: Generic medicines and diagnostic equipment like ECG and X-ray machines now duty-free.
• Chemicals & Plastics: Exports expected to grow by 30–40%.
• Leather & Footwear: Tariffs slashed from 16% to zero.
• Gems & Jewellery: Exports projected to double within 2–3 years.
• Sports Goods & Toys: Enhanced competitiveness against global players.
UK’s Strategic Gains
The UK will see 90% of its tariff lines reduced or eliminated, with 85% reaching zero-duty status within a decade. Key sectors include:
• Spirits: Duties on Scotch whisky and gin reduced from 150% to 75% immediately, and to 40% over 10 years.
• Luxury Vehicles: Tariffs cut from over 100% to 10% under a quota system.
• Consumer Goods: Cosmetics, electronics, food products, salmon, lamb, and machinery will benefit from significant tariff reductions.
Boost to Services & Labour Mobility
The agreement also enhances professional mobility and services cooperation:
• 1,800 UK visas annually for Indian professionals including chefs, yoga instructors, musicians, and IT experts.
• Social security exemptions for Indian workers in the UK for up to 3 years.
• Access to 35 UK sectors for Indian professionals, with work rights for up to 2 years.
Strategic Collaboration & Public Procurement
The FTA paves the way for deeper strategic collaboration in:
• Defence, clean energy, education, innovation, and climate technology.
• UK companies will be eligible to bid on non-sensitive Indian government tenders, valued at approximately £38 billion.
Economic Impact
The deal is expected to deliver substantial economic benefits:
Reacting to news on the signing of a Free Trade Agreement (FTA) with India, William Bain, Head of Trade Policy at the BCC, said: “It will open a new era for our businesses and boost investment between two of the world’s largest economies.
“Key UK sectors which are expected to benefit include food and drink, industrial goods and automotives. Not only will they see lower tariffs now, but there will be further reductions over the next decade, creating stable conditions to expand UK exports to a fast-growing market.
“A stronger UK-India relationship also creates huge scope to raise our services exports, which already outperform our sales of goods. This deal will create new opportunities in the transport, travel, creative and business support sectors alongside traditional strengths in finance and professional services.”
Richard Heald OBE, Chair of the BCC’s sister Chamber in India, the UK-India Business Council (UKIBC), said:
“The UK-India FTA marks a historic milestone in the bilateral relationship. Businesses across both countries have long called for an agreement that reduces barriers, enhances market access, and creates a clear framework for long-term, sustainable growth.”
Our next Trade Club, taking place in November, will delve deeper into this specific Trade Agreement. For more information, contact: export@liverpoolchamber.org.uk.
William Bain, Head of Trade Policy at the BCC
Prime Minister of Bharat, Shri Narendra Damodardas Modi & the Prime Minister of the United Kingdom, Sir Keir Starmer at the exchange ceremony of Comprehensive Economic and Trade Agreement Image courtesy of Prime Minister’s Office (GODL India)
UK AMBASSADOR TO GERMANY VISITS LIVERPOOL CITY REGION
The Liverpool City Region welcomed UK Ambassador to Germany, Andrew Mitchell CMG, for a visit that underscored the strong trade and investment ties between the region and Germany. German companies have increasingly chosen Liverpool as their UK base, fostering robust civic and sporting connections with cities like Cologne, Stuttgart, and Hamburg.
In partnership with the Combined Authority, a roundtable event was hosted at The Racquet Club. Local firms with existing or potential links to Germany were invited to engage in a constructive session. The discussion aimed to gain insights into the German market, address the challenges and barriers faced when trading with Germany, identify the support needed, and explore potential solutions for market expansion. During the discussions, companies highlighted several challenges in trading with Germany, including regulatory issues, shipping and customs controls, registration processes, and staff mobility. Ambassador Mitchell emphasized how recent trade agreements, and the UK/EU summit are
restoring confidence and streamlining procedures. He also highlighted the ongoing comprehensive bilateral trade agreement between the UK and Germany, announced by Prime Minister Keir Starmer and Chancellor Olaf Scholz in August 2024. This treaty aims to enhance cooperation in areas such as defense, economic development, law enforcement, energy security, and climate policy, and is expected to be finalised soon.
New trade support initiatives were also discussed, with companies sharing ideas on navigating complex VAT issues, certification support, funding and finances for trade shows, and introductions to in-market support agencies.
The roundtable was highly productive, with a high level of engagement from all participants.
For further details, please contact export@liverpoolchamber.org.uk
Covering essential topics such as export and import documentation, customs declarations, letters of credit, Incoterms, and rules of origin—especially relevant in light of new UK trade agreements.
Our courses are built to equip companies with the practical knowledge they need to succeed globally.
Delivered by experienced professionals, our sessions provide valuable opportunities for businesses to ask specific questions and receive expert guidance tailored to their needs.
Coming up on the 14th of November: BCC
BUILDING RESILIENT BUSINESSES:
HOW NEXUSPROTECT SUPPORTS
LIVERPOOL ORGANISATIONS
In today’s rapidly changing business environment, resilience is no longer optional, it is essential. For Liverpool organisations, protecting people, property, data, and intellectual property has become a strategic priority, and NexusProtect is helping businesses meet that challenge.
As a business protection and resilience consultancy, NexusProtect takes a holistic approach, blending operational expertise with strategic insight. The team brings extensive experience from Europe’s largest service companies, specialising in corporate risk, security, and resilience, enabling organisations to operate in a safe, secure, and sustainable environment while supporting business growth.
Nick Holden, Managing Director of NexusProtect, explains: “We need to take a considered approach and make the most of the resources available to us. Innovation is key. Rethinking how we deliver services may even mean taking the business in a whole new direction.” Recent global events, from geopolitical instability to domestic political shifts, have created significant challenges for UK businesses. NexusProtect works closely with organisations to assess threats, strengthen operations, and maintain continuity.
Their holistic approach ensures every part of a business is examined, from internal systems and supply chains to customer dependencies and cultural risks. “There’s no one-size-fits-all solution,” Nick notes. “Every business faces different threats; insider risk, fragile supply chains, and overlooked gaps in risk management. Change must be strategic, not reactive.”
Central to NexusProtect’s philosophy is the belief that people are a business’s strongest
“Ask yourself: does your business have resilient IT systems? Recent incidents at high-profile organisations show the risks are too great to ignore,”
Nick Holden, Managing Director of NexusProtect
asset. From supporting staff during crises to guiding organisations on business continuity and security, the consultancy ensures that human capital is protected alongside physical and digital assets. “We need to support one another, whether through community engagement, reallocating resources, changing service delivery, or renegotiating payments. We can only get through this if we work together,” says Nick. In addition to protecting people, NexusProtect emphasises cybersecurity as a critical investment. “Ask yourself: does your business have resilient IT systems? Recent incidents at high-profile organisations show the risks are too great to ignore,” Nick warns. Alongside digital threats, physical risks such as theft, fraud, and industrial espionage remain pressing concerns. NexusProtect provides tailored services ranging from operational delivery and training to assurance and strategic direction, enabling businesses to make informed decisions, optimise spending, and build strong foundations for growth.
Whether supporting startups, SMEs, or established organisations, NexusProtect enables Liverpool businesses to operate securely while supporting long-term growth. The consultancy’s services encompass everything from master planning and concept design to implementation, ongoing support, and assurance, ensuring every solution is both innovative and sustainable. As a MoD Employer Recognition Scheme Silver Award holder, NexusProtect demonstrates a commitment to best practice, integrity, and community values. “Our goal is to empower businesses,” Nick concludes. “By protecting people, assets, and intellectual property, we create the foundation for sustainable growth.
A resilient business is a thriving business.”
For Liverpool businesses seeking to strengthen resilience and security, NexusProtect offers the guidance and expertise to turn uncertainty into opportunity.
DRIVING INNOVATION FORWARD:
WHY LEXUS LIVERPOOL IS PROUD TO SUPPORT THE INNOVATION IN BUSINESS AWARDS
As someone who’s worked in Liverpool’s business community for many years, I’ve seen first-hand how innovation has shaped our city’s identity. From the waterfront to the digital sector, Liverpool has always been a place where ideas are nurtured, challenges are met head-on, and progress is made through collaboration and creativity.
That’s why Lexus Liverpool is proud to once again be the headline sponsor of the Liverpool Chamber of Commerce Innovation in Business Awards, taking place on the 23rd October at St George’s Hall. This year’s event is particularly special, marking the 175th anniversary of the Chamber, an institution that has been a constant in our city’s economic journey since before the first car was even conceived.
At Lexus Liverpool, we believe that innovation isn’t just about technologyit’s about mindset. It’s about asking better questions, challenging the status quo, and finding smarter ways to serve our customers and community. That’s why these awards resonate so strongly with us. They celebrate the businesses and individuals who are making a real difference, whether it’s through sustainability, digital transformation, or social impact.
The Chamber has received over 180 nominations across 12 categories, and the breadth of talent represented is truly impressive. From start-ups to established firms, the nominees reflect the diversity and dynamism of our region. It’s a privilege to help shine a light on their achievements.
Innovation is at the heart of the Lexus brand. Since its launch in 1989, Lexus has consistently pushed boundarieswhether it’s through pioneering hybrid technology, redefining luxury with Japanese
craftsmanship, or leading the charge toward electrification.
Globally, Lexus has committed to becoming a 100% battery electric vehicle (BEV) brand by 2035, with Europe expected to reach that milestone by 2030. This isn’t just about meeting regulationsit’s about creating vehicles that are better for drivers and better for the planet.
We’re already seeing this vision come to life in models like the Lexus RZ, our first dedicated electric SUV. It’s a vehicle that combines performance, design, and sustainability in a way that feels distinctly Lexus. With more BEV products on the way through 2026 and beyond, the Lexus Electrified future is an exciting one.
Sustainability isn’t just a box to tickit’s a responsibility we take seriously. Lexus is exploring new materials and manufacturing techniques that reduce environmental impact without compromising quality. From recycled carbon fibre to bamboo-based interiors, we’re reimagining what luxury can look and feel like in a low-carbon future.
At Lexus Liverpool, we’re also making changes locally. We’re investing in greener infrastructure, supporting hybrid and electric adoption, and working with customers to help them make informed choices about sustainable driving. It’s about progress, not perfection - and every step counts.
Innovation is at the heart of the Lexus brand. Since its launch in 1989, Lexus has consistently pushed boundarieswhether it’s through pioneering hybrid technology, redefining luxury with Japanese craftsmanship, or leading the charge toward electrification.
Liverpool is a city that thrives on connection. Whether it’s through business, culture, or community, we know that collaboration drives results. That’s why events like the Innovation in Business Awards matter. They bring people together, spark new ideas, and remind us of the talent and tenacity that exists right here in our region.
For Lexus Liverpool, being part of this event is about more than branding - it’s about backing the people and organisations who are shaping our future. It’s about recognising the work that often happens behind the scenes and giving it the platform it deserves.
The automotive industry is changing rapidly, and Lexus is at the forefront of that transformation. Our ongoing strategy focuses on five key areas: Electrification, Autonomy, Connectivity, Personalisation, and Sustainability. These aren’t just buzzwords - they’re the pillars of how we’re building the next generation of vehicles.
But innovation doesn’t stop at the factory floor. It’s in how we engage with customers, how we support our teams, and how we contribute to the communities we serve.
At Lexus Liverpool, we’re committed to being part of that journey - not just as a dealership, but as a partner in Liverpool’s growth.
As we approach the Innovation in Business Awards, I’m reminded of the resilience and creativity that define our city. The businesses being recognised this year are not only succeeding, they’re setting new standards. They’re proving that innovation isn’t reserved for tech giants or global brands. It’s happening every day, in offices, workshops, and studios across Merseyside.
I’m proud that Lexus Liverpool can play a role in celebrating that spirit. We look forward to an inspiring evening at St George’s Hall, and to continuing our support for the people and ideas that are driving Liverpool forward.
My team and I look forward to celebrating with you all on the 23rd.
As we approach the Innovation in Business Awards, I’m reminded of the resilience and creativity that define our city. The businesses being recognised this year are not only succeeding, they’re setting new standards. They’re proving that innovation isn’t reserved for tech giants or global brands. It’s happening every day, in offices, workshops, and studios across Merseyside.
HRH THE PRINCESS ROYAL HELPS TO MARK OUR 175TH ANNIVERSARY
Liverpool Chamber was proud to welcome HRH The Princess Royal to celebrate its 175th Anniversary at Everton’s new Hill Dickinson Stadium.
The event at the iconic waterfront venue welcomed more than 100 guests from the Liverpool City Region’s business community, local politicians, civic dignitaries and charity partners.
Upon arrival, HRH was escorted on a tour of the stadium by Chamber chief executive Paul Cherpeau and Colin Chong, Chief Real Estate and Regeneration Officer at Everton FC, taking in the players’ tunnel and going pitchside to experience the scale of the newly-constructed 52,000-seater arena.
HRH was then introduced to assembled groups at The Yard events space on the first floor, including patrons and strategic partners of the Chamber and members of the Everton team responsible for developing
and operating the Hill Dickinson Stadium, before unveiling a plaque commemorating the Chamber’s anniversary.
Before departing, she was handed a commemorative pin badge by Mona Hassan, chair of the Future Impact Board and a posy of flowers from Fiona Hornsby, a former patient of Liverpool Women’s Hospital, which is the Chamber’s charity partner of the year.
Prior to the arrival of HRH, guests enjoyed lunch and heard speeches by Liverpool City Region Mayor Steve Rotheram and Bill Addy, Chief Executive of Liverpool BID Company, headline sponsor of the event.
Bill said: “It was Liverpool Chamber which inaugurated the Business Improvement District and that decision was taken to improve the trading conditions of business in the city. That legacy continues today and Liverpool Chamber remains a trusted representative body for the local business community.”
Guests were treated to a violin performance by a duet from Liverpool Philharmonic Orchestra and heard from its new chief executive, Vanessa Reed, who talked about the organisation’s In Harmony programme for young people in North Liverpool, and the importance of business engagement with the Arts.
“The Chamber’s role as a cornerstone of our business community has been baked into our city’s fabric. From connecting businesses with contacts and opportunities across global markets to helping connect the world of education and business, we’ve sought to go where business needs us and ensure that we continue to be a trusted, authentic partner for them.”
Chamber CEO Paul Cherpeau said: “This was an incredibly special day for everyone associated with Liverpool Chamber. We were privileged to welcome HRH The Princess Royal to help commemorate this most special anniversary and we were delighted to have so many of our patrons and strategic partners with us, as well as the entire Liverpool Chamber team.
“The Chamber’s role as a cornerstone of our business community has been baked into our city’s fabric. From connecting businesses with contacts and opportunities across global markets to helping connect the world of education and business, we’ve sought to go where business needs us and ensure that we continue to be a trusted, authentic partner for them.
“We have been delighted to welcome all of our guests to the new home of Everton Football Club. The Hill Dickinson Stadium represents one of the most exciting and transformational projects in our city’s recent history. We are all excited about the impact it will have on both the football club itself and the wider area.
“As we celebrate 175 years of impact, we renew our shared commitment to the future. We will build on the legacy of those who came before us, and work together with our businesses and partners to ensure that Liverpool remains a vibrant, dynamic, and thriving place to do business, for many years to come.”
Closing the event, Alison Lobb, Chair of Liverpool Chamber and managing partner of Morecrofts Solicitors, said: “Liverpool has always been a city that faces the world, and Liverpool Chamber continues to play an important role in that international agenda through our trade and export work. Everton’s new stadium, the latest addition to our city’s landscape facing out to the Mersey and The Irish Sea, certainly fits that global bill.
“The city’s prosperity was once built from these docklands, and it would be fitting if the next phase of its renaissance were to emanate from this very same place. As we look ahead to the next 175 years, the horizons for this venue, our Chamber and our city region, appear truly endless.”
COLLABORATION IS A CRITICAL INGREDIENT IN THE SUCCESS OF LIVERPOOL
By learning from each other, we are able to innovate our own practice, to implement better, proven strategies to adapt to changing economies.
In Liverpool’s Commercial Business District, history and innovation sit side by side. For two centuries, the CBD has been the engine fuel of the city’s economy, but the businesses within it have had to embrace innovation and change to weather changing climates. It is not a single, uniform space, but instead an interconnected network of different zones, representing a range of different industries from gaming, finance, hospitality, professional services, commercial services, legal, development and sports.
By working together, businesses within this vibrant, global hub, can identify what they need to keep the district competitive and the right environment to help them continue to thrive. This includes keeping its public realm clean, safe and sustainable, embracing green tech in an inclusive creative environment. It is about attracting investors, maintaining a neighbourhood with Grade A office space and developing businesses that help to attract the very best young minds. Through Liverpool BID, the community has strong and secure civic leadership. Shared experience and working together allows for a vital business community to stay competitive.
Bill Addy, CEO, Liverpool BID Company, headline sponsor of our 175th Anniversary event at Hill Dickinson Stadium
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CROSS-SECTOR COLLABORATION:
PARTNERSHIPS THAT BLEND EXPERTISE FROM DIFFERENT INDUSTRIES TO TACKLE COMPLEX
CHALLENGES
From digital transformation to the rise of AI, today’s challenges are too complex for one industry to solve alone. That’s where cross-sector collaboration comes in.
Cross-sector collaboration is where some of the best and most innovative ideas take shape. It happens when businesses come together around a shared challenge and design solutions that make a real difference. Today, organisations are facing everything from rapid digital change to widening skills gaps. These issues cannot be solved in isolation. At SquareOne Training, we have seen how powerful it can be when different industries combine their strengths.
Technology offers some of the clearest examples of this. Power BI, once mainly used in finance, has become a tool for marketers and sales teams, helping them track performance and measure impact. AI tools such as Copilot are reshaping logistics through data insights, but the same capabilities are now empowering retailers and healthcare providers to make faster, better-informed decisions.
We also see collaboration in action in our training courses. A single Excel session might bring together professionals from hospitality, construction and sales. Each person learns the same functions but applies them in unique ways, often gaining fresh ideas from seeing how others use the same tool. That shared learning highlights how knowledge moves across sectors and becomes more valuable in the process.
The lesson is clear: when knowledge is shared across industries, it builds a stronger, more adaptable workforce that also provides greater value to its customers. Transferable skills are the unifier, giving people the confidence to move across roles and sectors.
Looking to the future, collaboration will only become more important. As industries begin to overlap and new challenges emerge, the organisations that succeed will be those who see collaboration as a key part of their strategy.
Lisa Johnson Managing Director of SquareOne Training
Cross-sector collaboration isn’t just helpful; it is essential for growth in today’s economy and for preparing for the challenges of tomorrow.
A SUMMER OF SPORTS AT ORIEL STUDIOS
This summer has been a very exciting one for Oriel Studios, a particular highlight is the work we have delivered at Everton’s brand new Hill Dickinson Stadium. We have been hard at work across Everton’s sites with new branding completed for Everton Women moving into their new home at Goodison Park and Everton’s Finch Farm Training Complex.
We have also become Firwood Waterloo Rugby Club’s Signage Partner for the 2025/26 season, as well as continuing our strong relationships with Tranmere Rovers and Marine Football Club.
Oriel Studios has been getting schools ready for a new acadmic year with multiple schools kitted out with new way-finding signage and wall-graphic installations!
We have now launched our Oriel Studios Artwork Approval system, which has received great feedback from customers, this innovation will help us reduce leadtimes on Design and Print while also giving customers more detailed insights into their designs.
We were also honoured to be invited to Liverpool Chamber’s 175th Anniversary Celebration at Hill Dickinson Stadium, while also being nominated for two awards at their 2025 Innovation in Business Awards. As 2025 comes to a close we look forward to celebrating Oriel Studios 50th Anniversary and it is shaping up to be our biggest year yet!
If you have any Print, Design, Signage and Display enquiries, please get in touch at: enquiries@orielstudios.co.uk or www.orielstudios.co.uk/contact
INNOVATION, BUT MAKE IT USEFUL
At MICT, we do not chase shiny tech for the sake of it. We are a Liverpool team that solves practical problems for real people, whether that is a local manufacturer, a professional services firm, or a small charity office that is somehow doing the work of ten.
We support around 60 charities and an equal number of SMEs across the city region. Many run on tight budgets and older kit, with no spare time to transform anything. Our job is to make technology feel doable, one practical step at a time.
For businesses, that often means the basics done brilliantly. Reliable networks that stay up. Secure access from anywhere without the faff. Microsoft 365 set up properly so teams can find files, share calendars, and get on with their day. Short, plain English training that leaves people confident rather than overwhelmed.
Sustainability is part of how we deliver value. We work with accredited remanufacturers to supply business grade laptops and desktops that perform like new, reduce e-waste, and
come in at a more comfortable price point. Clients get enterprise level quality without the footprint or the shock to the budget. Security runs through everything we do. We align to Cyber Essentials good practice, harden endpoints, turn on modern authentication, and keep systems patched. The goal is straightforward. Fewer incidents, faster recovery, and a clearer view of risk for leadership teams.
Chamber’s long term IT support company. Liverpool has always been good at pulling together. That spirit is what we try to bottle in our work. Practical, sustainable, and kind on budgets and the planet. If we can free up an afternoon that used to be lost to IT headaches and help a team serve more customers with less friction, that is innovation worth having.
help@mictgold.com
A PIONEERING FORCE IN THE WORLD OF INSOLVENCY
The insolvency industry is uniquely dynamic, maintaining pace with consumers amid a rapidly changing economy. With innovation at the heart of the corporate insolvency market, we look at how our Liverpool team maintain their creative footprint, appetite for growth, and competitive edge.
The competitive edge
Insolvency legislation is complex, with much in the way of legal and regulatory hurdles, which business owners must take heed of to remain on the right side of the law. We cut through the complexities of insolvency law and provide a roadmap out of financial distress to businesses grappling with the risk of insolvency.
Actionable advice, always
While our advice is actionable, practical, and digestible, the golden nugget of advice that can flip the fortunes of a business is early intervention. The earlier insolvency advice is sought, the greater the options will be. Throughout our journey in the insolvency field, we’ve witnessed early intervention play the winning card for businesses each and every time. When in doubt, seek professional help, and when certain, act with immediacy.
A truly in-house offering
The professional needs of a business are naturally varied, which is why a truly multidisciplinary provider can absorb the wider picture and propose comprehensive solutions that directly address the root of the problem.
As an AIM-listed professional services consultancy covering over ten core disciplines, expert advice is always closely on hand. Creative problem-solving is one of our strongest assets and often essential when forging a rescue plan for distressed companies, regardless of their commercial value.
Thoughtful collaborations
Our team engages in thoughtful collaborations and partnerships, including those within the charity sector. We are on the Interim Manager panel of the Charity Commission, through which we provide professional support to charities often overcome by financial pressure, financial mismanagement, or wrongdoing.
A powerful force for change
In contrast to our local-level SME work, our wider team possesses the technical capabilities and experience to advise highly regulated sectors, such as financial services. We have dedicated specialists who provide support to FCA (Financial Conduct Authority) regulated businesses which is in growing demand. This requires direct collaboration with the Financial Conduct Authority, the chief governing body for the financial services market in the UK.
We have a proven track record in guiding the rescue of major FCA-regulated businesses where we have utilised the prepack administration route to retain share and asset value, or a Creditors’ Voluntary Liquidation (CVL) to secure the best outcome for creditors.
Feeding growing demand
There is no exception to trends, even in insolvency. Following an upsurge of ‘debt in death’ cases, we established a deceased insolvent estates division to resolve the debts of deceased persons.
The UK is home to a large ageing population. From care home debts to healthcare debts, managing the insolvent estate of deceased persons is a complex area that we specialise in. Our deceased estates team were highly influential in two leading matters of case law in this field.
Other notable services established in response to changing consumer needs
Jason Greenhalgh and Stephen Berry
include the development of our Digital Asset Investigation Unit (DAIU) through our advisory division. The DAIU team investigates and mitigates threats arising from digital assets.
Innovation at the heart
In all that we do, we are duty-bound to secure the best outcome for creditors and stakeholders. To achieve this, we must be highly responsive to market conditions as they are intrinsically linked to insolvency rates, we must be hyper aware of trends on a local level, and we must strive to develop innovative solutions to maintain our position as market leader.
For expert advice on any of the matters addressed, reach out to us or visit the Begbies Traynor Group office in Liverpool.
Jason Greenhalgh, Partner at Begbies Traynor Group, Liverpool T 0151 224 0729
E jason.greenhalgh@btguk.com
Stephen Berry, Partner at Begbies Traynor Group, Liverpool T 0151 459 0528
E stephen.berry@btguk.com
www.begbies-traynorgroup.com
GLOBAL PLAYERS SCORING LOCAL GOALS
Think Global, Impact Local was the fitting title of a special, sold-out Well Connected event held at Liverpool FC’s Anfield Stadium.
Taking place in the Beautiful Game lounge, the event welcomed more than 120 delegates for a powerful conversation about purpose-led business and how to create meaningful and sustainable social value within business operations while scaling globally.
Speakers and panel discussions offered insights into ways to build accountability into organisations and the importance of diverse and inclusive recruitment strategies.
Mark Baxter from ComCab spoke about the company’s commitment to maximising accessibility and inclusivity, exemplified by a fleet of wheelchair-accessible vehicles and its provision of services across the community, while contributing directly to the city region economy as a local business.
That was followed by a panel featuring Rishi Jain, director of impact at LFC, Graham Bond, partner at RSM, Stephanie Tickle, head of employment (NW) at Leadership Through Sport & Business, and Elena Enciso,
head of international trade at Liverpool Chamber.
Graham shared multiple examples of young people from disadvantaged backgrounds who have forged successful careers after entering RSM’s programmes for school and college leavers.
He said: “There are various career roles beyond the traditional accountancy route, such as project management or client services, where young people can thrive. We are passionate about providing opportunities for candidates to explore those options, regardless of their education or social background, and our programmes have helped to discover some fantastic talents and personalities who have gone on to enjoy flourishing careers across the firm’s international networks.”
Some of those have been placed in collaboration with LTSB, a social mobility organisation which helps young people to gain entry into business and finance sectors by offering bootcamps for professional
“We don’t just want young people to be more employable, we want them to find careers that will transform their lives, and RSM has been a fantastic partner for us in many success stories so far.”
and personal development and working in partnership with professional services employers such as RSM, BDO and DSG.
Steph Tickle said: “Our programmes get young people facing disadvantage ready for the world of work and into careers with leading employers. We prepare candidates for roles in sectors they may never have otherwise considered, place them with the right businesses and offer a level of pastoral care that helps both the candidate and the company to ensure the best chance of retention and success.
“We don’t just want young people to be more employable, we want them to find careers that will transform their lives, and RSM has been a fantastic partner for us in many success stories so far.”
Rishi Jain said: “As a locally-based organisation with fans across the globe, LFC are proud to play our part in driving positive change for our planet, people and communities and demonstrating what can be achieved when we combine tradition with innovation. More than half of the work of the LFC Foundation is non-footballrelated, delivering programmes that address education, health, and wellbeing. Its work spans the city region and reaches around the world, giving us a global competitive advantage.
“It’s often said that I talk a lot about binsit’s true, recycling is a passionate topic for me! Our Red Way sustainability programme, aligned with the 17 UN Sustainable Development Goals, incorporates targets on waste, but goes much further than that by creating a platform for change, both through our own operations and by working with our partners to find joint solutions to global challenges that affect us all. We will continue to use our voice to amplify these crucial messages.”
Elena, currently delivering the LCR Export
Broker Service for businesses, also offered testimonies from a number of export businesses which rely on Liverpool Chamber for documentation and support services. She said:
“There are many examples of member businesses I work closely with, which clearly recognise the importance of a strong ESG strategy and creating a positive local impact. One example is Algeos, a leading manufacturer and exporter of podiatry and footwear products, which is adapting its manufacturing processes to meet its sustainability commitments and has set out a strategy to reach net zero by 2028.
“Businesses are increasingly mindful of their responsibilities to the planet and their local communities and becoming more creative in how they reshape their operations to achieve those goals and enable them to be part of their value proposition when selling internationally.”
The hosted sessions were book-ended by informal networking, giving audience members even further opportunity to access expert intelligence and seek advice on to maximise their own opportunities for greater social impact and overcome any hurdles to realising their ambitions.
“Businesses are increasingly mindful of their responsibilities to the planet and their local communities and becoming more creative in how they reshape their operations to achieve those goals and enable them to be part of their value proposition when selling internationally.”
Photos by Leon Britton Photography
WHAT OUR CHAMBER MEMBERS SAID ON THE IMPORTANCE OF SOCIAL VALUE
Matt Breakwell, business development director at Kimpton, said:
“For us, social value is all about identifying creative ways to deliver added benefits for local communities, and making that intrinsic to how we deliver our work.
“The most innovative organisations we work with have a clear purpose and values. They work out why they are there, what is their purpose and how suppliers such as ourselves can support them in their ambitions.
“We are delighted to be recognised for the social value impact of our work and to be shortlisted alongside so many businesses who are making a positive difference in their communities and share our belief that doing the right thing is the best way to do business.”
Graham Bond, partner and co-head of life sciences at leading audit, tax and consulting firm RSM UK, comments:
“What we are finding is that businesses are at different stages of ESG maturity, but it is clear that having a defined ESG strategy is now high on the agenda. ESG is a complex and evolving concept, with a number of existing regulatory and reporting requirements.
“Stakeholder expectations are also a priority. Stakeholders, ranging from prospective and existing employees, to investors and customers, now demand more. This isn’t just in terms of how they do business, but also with how transparent they are in their reporting.
“Prospective employees are asking about a company’s policies in relation to ESG. How a company interacts with its community, for example opportunities for volunteering or being involved with a charity are important factors when deciding whether to accept a role.
“ESG is changing what it means for a business to be successful, and it’s key that employers embed it into their culture, decision-making, and communications to remain competitive, attract talent, and build long-term trust with stakeholders.”
K2 Architects:
“At K2 Architects, being shortlisted for the Liverpool Chamber’s Social Value Award is both an honour and a reflection of our core purpose: architecture that improves lives. As a B Corp certified practice, we see social value not as an add-on, but as the foundation of how we design, collaborate, and deliver projects. Innovation in ESG means aligning creativity with responsibility, whether through heritage, regeneration, sustainable construction, or inclusive community partnerships. For us, social value is about leaving places stronger, fairer, and more connected than we found them. Together with our clients, we aim to inspire positive change across the Liverpool City Region.”
Frank Rogers:
“We’re incredibly proud to be named a finalist for the Social Value Award— it’s a testament to the belief that business can and should be a force for good. At Frank Rogers, social value isn’t a side project—it’s built into how we deliver, from supporting grassroots charities through our Foundation to embedding local employment, skills and sustainability into every project. ESG innovation for us means measuring what matters: people, place and purpose. Being recognised by the Innovation in Business Awards reinforces our commitment to delivering meaningful impact across the Liverpool City Region and beyond.”
Bluecoat :
“We at the Bluecoat are extremely proud and excited to be recognised as a finalist for a Well Connected Innovation in Business Social Value Award. As the UK’s first and oldest contemporary arts centre, the Bluecoat has always been at the forefront of innovation; we continue a history of radical thought and creative reinvention, demonstrated through how we have adapted our core business model to keep up with modern audiences, cultures and technologies. Significantly, we reinvest all our income into our seasonal exhibition programmes, developing diverse artists, and in delivering targeted arts activities for communities facing barriers to accessing art. We bring art into lifeThe Bluecoat is a space for artists and for everyone.”
BRINGING DINOSAURS
TO LIFE: INNOVATION AT THE WORLD MUSEUM
This summer, visitors to National Museums Liverpool’s World Museum have been treated to a truly prehistoric experience, thanks to an exciting partnership with immersive technology studio Draw & Code. As part of the museum’s Dino Takeover, the new Draw-A-Dino installation is transforming how families engage with exhibitions by letting children see their very own dinosaur drawings spring to life.
The concept is as simple as it is exciting: Visitors sketch a dinosaur, scan their artwork, and then watch as their creation hatches on screen, stomping through a digitally animated landscape. In moments, imagination is translated into motion, merging traditional creativity with cuttingedge animation technology.
For Draw & Code, the installation marks another milestone in a growing portfolio of experiences that blend storytelling, technology, and play. Following international successes such as Mission: Sketch at Space Center Houston, bringing dinosaurs to life in Liverpool represents both a proud homecoming and a showcase of the city region’s innovation ecosystem. Collaboration has been central to making Draw-A-Dino possible. National Museums Liverpool’s openness to experimentation and boundary-pushing partnerships enabled Draw & Code to bring its Sketch & Scan technology to a mainstream cultural venue. For the museum, it offers a chance to connect with new generations of visitors through fresh, interactive methods that enhance learning and inspire wonder. The response has been extraordinary. Hundreds of dinosaurs are being drawn and hatched each day, with both children and adults captivated by the experience. Families are not just observing history they are co-creating it, contributing their own designs to a living, evolving exhibition.
BUILDING INNOVATION IN THE NORTH WEST
CONSTRUCTION LANDSCAPE
Liverpool’s construction sector is evolving rapidly, with increasing focus on balancing commercial value, community impact, and sustainability. Major projects such as the Liverpool Waters redevelopment, transforming the historic waterfront with a mix of residential and commercial space, and the Knowledge Quarter Liverpool, a hub for research and innovation, illustrate how the city is embracing ambitious, forward-thinking development. Technology adoption is central to this change. Digital tools such as Building Information Modelling (BIM), bespoke apps,
A.I. and cloud-based project management systems enable projects to be planned and delivered with greater precision, giving stakeholders real-time insight into design, cost, and schedule performance. On-site innovations also play a role, from streamlining inductions and monitoring personnel to tracking environmental impact, such as carbon emissions associated with staff travel and embodied carbon within the construction process. These advances support more sustainable and data-driven decision-making. Our company’s recent expansion into the North West, including a new office on the Albert Docks, highlights how regional contractors are adapting to these trends. Using A.I. and bespoke developed tools and apps we can manage site operations efficiently, monitor compliance and qualifications, and gather data to improve sustainability across projects. Lowcarbon building technologies, thoughtful supply chain engagement, and the use of sustainable materials further demonstrate
More than a crowd-pleaser, Draw-A-Dino demonstrates how digital innovation can reimagine visitor engagement, blending education with entertainment in ways that resonate long after the museum visit ends.
how construction can deliver value while minimising environmental impact. The launch of Stepnell’s innovation hub demonstrates our deep investments into this progression.
Beyond technology and materials, the industry has a role in shaping communities and inspiring the next generation. Engagement with schools and colleges, through on-site experience and mentoring, provides young people with insight into modern construction processes and the career opportunities they offer.
Innovation, sustainability, and community engagement are increasingly defining successful construction in the North West. By embracing technology, careful project delivery, and landmark initiatives like Liverpool Waters and the Knowledge Quarter, regional contractors are helping to shape a more sustainable and efficient built environment while supporting Liverpool’s transformation as a city that balances heritage, growth, and innovation.
Tom Sewell Director at Stepnell
LEADING INNOVATION PROJECTS
The success and failure of innovation and transformation projects have been extensively researched, with the overwhelming conclusion that competent leadership is the defining factor in whether such projects succeed. Leading projects with considerable uncertainty, risk, complexity, and stakeholder pressures is a demanding job. It requires balancing strategic vision with day-today challenges, while managing expectations of stakeholders with often competing priorities.
What do leaders of successful innovation projects do? A simple but powerful model that we teach on our executive education courses provides a framework for effective project leadership. Of all the models that we have developed for teaching project leadership, this one has had the most traction and impact within the organisations we have worked with. The Project Leadership Model synthesises the research of several leadership experts into four key interdependent leadership capabilities:
Sensemaking: understanding the environment in which the project and its people operate. Sensemaking, a term introduced by organisational psychologist Karl Weick, is the process of making sense of our surroundings. Effective project leaders make sense of the world around them and their projects, mapping the project ‘terrain’. This is done by gathering data from multiple sources and stakeholders, involving others in interpreting it, testing what they believe they are seeing, and remaining open to new insights. Sensemaking ensures that everyone is working from the same ‘map’ of reality.
Relating: building effective and trusting relationships within and across projects and organisations. Innovation and transformation projects require alignment and collaboration with multiple stakeholders and their sometimes conflicting requirements. Building such relationships requires trust, mutual understanding, and respect. Cultivating a network of committed and supportive stakeholders helps the leader accomplish the project goals.
Sensemaking and relating form the ‘enabling’ axis of the Project Leadership Model, through which the project leader collects information on what is happening in and around the project - which is then used for visioning and inventing, the ‘action’ axis of the model.
Visioning: creating a compelling picture of the future the project will deliver. Whereas sensemaking creates a map of ‘what is’, visioning produces a map of ‘what could be’: the project leader’s intent. This vision gives the team a sense of purpose and meaning in their work, inspiring and motivating them. If the vision is compelling and credible, the team will want to find ways to make it a reality. The project leader should be a role model for the vision, embodying the core values and ideas, and communicating what can be achieved to the team.
Inventing: developing new ways to achieve the project vision. Inventing turns the vision of the future into a tangible reality. Rather than using the term ‘execution’, ‘inventing’ implies the creativity and innovation required to deliver the benefits of the project. Implementing a new vision is very rarely reliant on simply repeating past approaches - the project leader should encourage creative ways of getting it done, asking: ‘what other options are possible?’ and experimenting with new ways of doing things.
These four leadership capabilities emphasise ‘what leaders do’ in leading complex projects. We added a fifth capability – acumen - to emphasise ‘who leaders are’: the accumulated experience and wisdom that the leader brings to
their role, and determines their ability in sensemaking, relating, visioning and inventing.
Acumen: the consolidated experience that underpins good intuition and judgement, and the ability to draw on their own, and others’, experience to make effective decisions. Acumen provides a ‘sense’ of a situation; a ‘gut feeling’ based on experience that enables the leader to know when to probe, challenge, trust, or step back.
Rarely will someone be equally skilled in the four capabilities of sensemaking, relating, visioning and inventing. Effective project leaders acknowledge that they are not ‘project heroes’ but in reality ‘incomplete leaders’ – recognising that they have both strengths and weaknesses in various areas, and actively complement their skills with the skills of those around them. This importantly requires their organisations not to have unrealistic expectations of their project leaders: an effective project leader is one operating in their best leadership abilities whilst leveraging others in the team in theirs - leadership is less about perfection and more about building the conditions for success of complex, uncertain, and highstakes projects.
Carl Gavin is Professor of Project Management and Director of Executive Education at the University of Liverpool Management School. The school offers tailored leadership and management training – for more information, please visit:
www.liverpool.ac.uk/management/cpd
WORK-BASED LEARNING: BUILDING CROSS-SECTOR SKILLS IN BIOMEDICAL SCIENCE
As the Liverpool City Region looks to the future, collaboration between higher education and industry is critical to closing skills gaps and preparing graduates for fast-changing careers.
At Liverpool John Moores University (LJMU), we are embedding work-based learning (WBL) into the curriculum to give students the opportunity to apply their knowledge in authentic business contexts, while employers gain access to talent and fresh thinking with scope to deliver a tangible positive impact for their business.
A recent partnership between LJMU’s Biomedical Science programme team and microbiology diagnostics specialists Mast Group Limited exemplifies this cross-sector approach. Together, we designed a realworld challenge for more than 100 secondyear students. Framed as employees seeking external funding, students were tasked with drafting a research grant proposal to explore the potential of antibiotics against antimicrobial-resistant bacteria. Mast Group Limited provided an industry briefing and example experiments, while LJMU academics guided students through the process of creating proposals, including aims, objectives, costings, and expected outcomes.
The impact was significant. Students developed vital skills in research design, project costing, and persuasive communication, while gaining insight into how their scientific knowledge translates into industry practice. LJMU’s careers & employability team, Student Futures, supported students to reflect on the competencies they had built, ensuring they could articulate their experience to future employers.
For Mast Group Limited, the collaboration offered an opportunity to connect directly with emerging talent. Impressed by student engagement, the company went on to create three extracurricular internships, all funded through LJMU’s Discovery Internship programme, in technical, and research & development positions.
This initiative demonstrates the power of cross-sector partnerships to develop industry-ready graduates while strengthening the region’s innovation ecosystem, an approach that is as applicable to all sectors as the Mast Group Limited project has been to life sciences. Following its success, LJMU will continue to integrate and expand WBL models into programmes.
This case study shows how higher education and businesses can come together to prepare the workforce of the future, equipping students with the skills to tackle complex challenges and helping employers access the next generation of talent.
For further information, or to find out how your business could benefit from LJMUs WBL Strategy, contact: employerengagement@ljmu.ac.uk
The impact was significant. Students developed vital skills in research design, project costing, and persuasive communication, while gaining insight
into how their scientific knowledge translates into industry practice.
DRIVING INNOVATION IN
WOMEN’S HEALTHCARE:
LIVERPOOL WOMEN’S UNIVERSITY HOSPITAL AT 30
Since opening in 1995, Liverpool Women’s Hospital has grown to become the largest dedicated women’s healthcare institution in Europe, caring for thousands of women, babies, and families each year.
For Liverpool Women’s Hospital Charity, supporting innovation aligns with our values and is a key theme in our strategic plan. It is an area we are committed to expanding in the years ahead – helping to fund projects that go beyond what the NHS alone can provide and ensuring patients and families benefit from the very best in care.
A key example is our HIPEC (Hyperthermic Intraperitoneal Chemotherapy) Appeal. This pioneering treatment for ovarian cancer delivers heated chemotherapy directly into the abdomen during surgery, targeting residual cancer cells more effectively. Backed by NICE and already adopted in hospitals across the UK, HIPEC improves survival rates by 5–10%, giving women a better chance of remission and a higher quality of life. To bring HIPEC to Liverpool, the hospital needs a vital piece of equipment – a heat pump costing £60,000. The charity is working hard to raise this money as quickly as possible.
How businesses can get involved
“As the former Medical Director for Liverpool Women’s, I witnessed several projects breaking boundaries in women’s health, where there is a strong tradition of pioneering medical research.
“One such example is the Mona Lisa Laser that the Charity funded. This laser will be piloted in a clinical trial to licence it for NHS use. The laser helps women who have had breast cancer and are unable to benefit from normal HRT. It eliminates vaginal atrophy – an awful effect of the menopause, which destroys women’s confidence and lives.
“We are proud to support innovative treatments for use in the NHS.”
— Lynn Greenhalgh, Director of Strategy for Research, Innovation and Precision Medicine
The tradition of health innovation in Liverpool is about compassionate, inclusive care that truly transforms lives.
From sponsoring events to providing raffle prizes, or even choosing us as your Charity of the Year, there are many ways Chamber members can help. If your business would like to get involved, contact loren.slade@lwh.nhs.uk
4Wings Northwest CIC www.4wings.co.uk
Alfie’s Squad www.alfiessquad.org
An Hour For Others www.anhourforothers.co.uk
An Inclusive Future CIC www.aninclusivefuture.co.uk
Be Free Campaign www.befreecampaign.org
Big Condo Training Academy CIC www.bigcondoacademycic.co.uk
Bluecoat Limited www.thebluecoat.org.uk
Caring Connections www.caringconnections.org.uk
Claire House Children’s Hospice www.clairehouse.org.uk
Clatterbridge Cancer Charity www.clatterbridgecharity.org
Crisis UK www.crisis.org.uk
DaDaFest www.dadafest.co.uk
Elevate www.elevate-ebp.co.uk
Everton in the Community www.evertonfc.com/community
Expect Limited www.expect-excellence.org
Farm Urban www.farmurban.co.uk
Freshfields Animal Rescue www.freshfields.org.uk
Jacob Billington Trust www.jacobbillingtontrust.com
Liverpool Biennial of Contemporary Art www.biennial.com
Liverpool Heart and Chest Hospital Charity www.lhchcharity.org.uk
Liverpool Heartbeat www.liverpoolheartbeat.co.uk
Liverpool Law Society www.liverpoollawsociety.org.uk
Liverpool Women’s Hospital Charity www.liverpoolwomens.nhs.uk/ fundraising
Merseyside Society for Deaf People www.msdp.org.uk
Merseyside Youth Association Ltd www.mya.org.uk
National Museums Liverpool www.liverpoolmuseums.org.uk
Natural Breaks Ltd www.naturalbreaks.co.uk
NDNA Liverpool Network www.ndna.org.uk
Nugent www.wearenugent.org
RASA Merseyside www.rasamerseyside.org
Rotary City of Liverpool www.cityofliverpool.org
Royal College of Physicians www.rcplondon.ac.uk
Sahir House www.sahir.org.uk
Sean’s Place www.seansplace.org.uk
Sefton Women’s and Children’s Aid www.swaca.com
Shakespeare North www.shakespearenorth playhouse.co.uk
Shelter Merseyside www.shelter.org.uk
Social Value Housing Ltd www.svhousing.co.uk
South Liverpool Homes www.southliverpoolhomes.co.uk
Southport Flower Show and Victoria Park Events www.southportflowershow.co.uk
Sports Alive North West Charity www.sports-alive.org
Street League www.streetleague.co.uk
Team Oasis www.teamoasis.co.uk
The Black-E www.theblack-e.org
The Brain Charity www.thebraincharity.org.uk
The Chartered Institute of Building www.ciob.org
The Greenbank Project www.greenbankcollege.org.uk
The Liverpool Institute for Performing Arts www.lipa.ac.uk
The Talent Foundry www.talentfoundry.org.uk
The Whitechapel Centre www.whitechapelcentre.co.uk
University Hospitals of Liverpool Charity www.facebook.com/ LpoolUniHospsCharity
Vibe UK
www.vibeuk.org
Wirral Hospice St John’s www.wirralhospice.org
Woodlands Hospice www.woodlandshospice.org
YKids www.ykids.co.uk
Young Persons Advisory Service www.ypas.org.uk
Youth Federation www.youthfed.org.uk
Pictured Sian Taylor – LWH Consultant, Gynaecological Oncologist and Clinical Lead in Gynae Oncology. HIPEC Champion.
YOUR FREE TICKET INCLUDES:
YOUR FREE TICKET INCLUDES:
• Access to thought leadership sessions
• Access to thought leadership sessions
• Exhibition floor with 100+ leading suppliers and brands
• Exhibition floor with 100+ leading suppliers and brands
• Free training and practical takeaways
• Free training and practical takeaways
• Continuing Professional Development (CPD) opportunities
• Networking with over 1,500 professionals from around the world
YOUR FREE TICKET INCLUDES: • Access to thought leadership sessions • Exhibition floor with 100+ leading suppliers and brands • Free training and practical takeaways • Continuing Professional Development (CPD) opportunities • Networking with over 1,500 professionals from around the world
• Continuing Professional Development (CPD) opportunities
• Networking with over 1,500 professionals from around the world
FIND YOUR LIFTING ANSWERS AT LIFTEX 2025 IN LIVERPOOL
Celebrating its 20th year at the Exhibition Centre Liverpool on 18th & 19th November, LiftEx is a must visit for anybody involved with procuring or using services and lifting equipment to support manufacturing, engineering, construction, oil & gas, renewables, offshore, logistics, defence, utilities and entertainment operations around the world. It offers the perfect opportunity for finding answers to your lifting needs while also networking with the global Lifting Industry.
The annual flagship event of the Lifting Equipment Engineers Association (LEEA), the leading global representative body for all those involved in the Lifting Industry worldwide, is supported by RiConnect, a provider of cloud-based Software as a Service (SaaS), as Headline Sponsor, along with sponsors Yoke and Hoist. LiftEx 2025 will build on the success of last year’s event, held in London, which was the largest and most successful ever, with a record number of end user visitors from multiple industries.
Safe practice is vital wherever lifting is performed. Those responsible for procuring lifting equipment and services in these operations will need to fully understand the risks, consequences and legal obligations, as well as filter good practice from the bad. Visitors to LiftEx 2025 will find ways to improve safety and best practice with advice from industry experts throughout the exhibition, as well as the LEEA team, who will share their expertise and industry insights.
Thought leadership
The Thought Leadership Conference at LiftEx will take place on Day 1 of the exhibition. A line-up of highly informative presentations commences with LEEA promoting enhanced standards and sustainable development in a seminar titled: ‘Future-Proofing the Lifting Industry: Perspectives and Predictions’. This will look at the forces shaping the Lifting Industry and explore emerging trends, technological innovations as well as giving strategic insights that will define the sector’s future.
Wim Fabricius, President & Managing Director, EMEA of Kito Crosby, will present ‘You are only as strong as your team –Building the future through talent’. It’s theme is the Lifting Industry stands at a crossroads. Companies are grappling with the dual challenge of attracting and retaining new talent while navigating rapid shifts in technology and business models. Vertical integration, advanced manufacturing (Manufacturing 2.0), and digitalisation are reshaping how we operate, while safety, R&D and continuous training remain non-negotiable foundations.
Tim Battersby, Technical Sales Manager at RiConnect, will give an ‘Introduction to the Digital Product Passport’. Attendees will become familiar with the objectives of the Digital Product Passport, understand
what we know so far on the DPP and learn what we can do now to prepare for future digitalisation requirements.
Anton van der Zalm, Vice President Corporate Research & Development at Van Beest BV, will give a presentation titled: ‘From Surface to Seabed and Back: Innovations in Load Release and Retrieval’. As subsea operations become more complex and efficiency-driven, the technology behind load release and retrieval continues to evolve. This session explores the latest innovations in subsea installation equipment.
Adeoluwa Bamgbade, Temporary Works Coordinator at SCS Railways, will examine ‘Tunnel Boring Machine Shield Extraction on HS2 London Tunnels’. This session will share how SCS engineered bespoke lifting solutions, applied advanced planning tools, and ensured safety throughout complex operations.
Ollie Brown, Economist at GlobalData Plc, will discuss ‘Vertical Construction amid Evolving International Trade’. This session will cover market trends, new project developments and maritime trade dynamics and implications.
On Day 2 of LiftEx, Wednesday 19th November, there will be an End User Seminar. The programme features Andy Cartwright, Technical Manager at Mentor, looking at ‘Slinging vs Lashing: The Critical Difference’. Learn why choosing the correct method for load securement is essential for safety and compliance.
Julian Camacho-Cornejo, Lead Engineer –Product Design & Engineering at Sheffield Forgemasters, will discuss ‘Raising the bar: Managing lifting activities at Sheffield Forgemasters’.
Kurt Thomsen, Crane and Lifting Expert from RelyOn, will discuss the ‘Advancement of Training and Skills in the Lifting Industry’ for attendees to discover how innovative training programmes and practical expertise are shaping the future of the lifting industry.
Peter Purvis, Quality & Technical Lead, Advanced Services at Bekaert, will deliver a presentation on ‘Beyond the Surface: Use of Emerging Technologies for Advanced Rope Inspection’ Join the follow-up session on rope inspection to gain further insights into emerging technologies and their realworld applications.
Exhibitors
In addition to the conference sessions, the show floor will be packed across both days with over 100 brands demonstrating innovations to improve productivity, efficiency and safety.
A broad array of lifting equipment will be exhibited by AP Lifting Gear Company, Atlas Winch & Hoist Services, Cromox, Delta Hoisting Equipment, George Taylor Lifting Gear, GGR Group, Hird Ltd, Lifting Material Supplies, Liftket UK, Miller Weblift, Miller Weblift, Modulift, Reid Lifting, RHC Lifting, SGM Magnetics, Tiger Lifting, TTC Lifting, Worldhoists. There will be materials handling equipment on display from Aconda Industrial Carriers, Probst and engineering & manufacturing services from Gemmak Engineering, Wirop Industrial Co and Worlifts.
Chains, ropes, slings, rigging and accessories will be shown by from Bekaert, CODIPRO, GIS – Lift Turn Move, Green Pin (Royal Van Beest), JDT, Marlow Ropes, pewag UK, Rope and Sling Specialists Ltd, RUD Chains, Sahm Splice, Talurit, William Hackett and YOKE Industrial Corp.
There will be height safety equipment and services from Globestock Safety, Safehold, SafetyLiftinGear, SpanSet and The Buddie System.
Visitors will find load monitoring equipment from Dynamic Load Monitoring (DLM), Load Monitoring Systems (LMS) and Red Rooster Lifting and IT solutions from CMCO (Columbus McKinnon), Core Inspection Software, coreRFID, IRUGASA (UK), Motion Software, Onix, Papertrail, RiConnect Inc and Tele Radio. There will also be Test machinery from Tensology.
Lifting and safety training can be found from Carl Stahl Evita, City of Bristol College, Elevation Training & Development and, of course, LEEA will have its usual prominent stand for visitors to meet and engage with the Association’s team for lifting advice, to learn about training and to hear about the many benefits of becoming a LEEA member. All of this means a visit to LiftEx 2025 in Liverpool offers the perfect chance to strengthen safety, compliance and efficiency in everyday lifting operations.
Register now for free at
GEARING UP FOR CHAMBER’S INNOVATION IN BUSINESS AWARDS
This year’s Innovation in Business Awards, sponsored by Lexus Liverpool, promises to be an extra-special occasion as it forms part of Liverpool Chamber’s 175th Anniversary celebrations— a remarkable milestone in the Chamber’s proud history of supporting innovation, enterprise and growth across the Liverpool City Region.
The gala ceremony will take place at the historic St George’s Hall on Thursday 23rd October, welcoming more than 400 business leaders for an evening of recognition, inspiration and celebration. With hundreds of nominations received across 12 award categories, the 2025 Awards will shine a spotlight on the outstanding contributions of businesses and individuals across the region.
PAST WINNERS
Of the 12 categories, five focus specifically on innovation—celebrating advancements in areas such as product development, technology, and service delivery. Other categories recognise excellence in talent development, customer service, and wider business impact.
The Awards also include individual honours, such as:
• The Rising Star Award, which recognises emerging talent nominated by education or training providers
• The Liverpool Legacy Award, which celebrates individuals who have made a long-standing impact on the region
• Additional categories recognising trailblazers and pioneers—those whose influence has shaped industries and left a legacy in the city region and beyond
For the first time, all winners will be selected entirely by an independent judging panel, further enhancing the Awards’ reputation for credibility and integrity.
“Our Innovation in Business Awards have become an incredibly prominent and important event for the Chamber’s membership and the wider business community in the Liverpool City Region. We are especially excited for this year’s event as we continue to mark our 175th Anniversary and cement the bonds we have created as an organisation during that time.”
Paul Cherpeau, Chief Executive of Liverpool Chamber
HEADLINE SPONSOR
Matt Hine, Lexus Liverpool
Sara Mullins, Novotel Paddington Village –New Business of the Year Award
“Winning this award last year was such a proud moment for us. What made it even more special was knowing it was the only time we could win it — after that year, we’d no longer be classed as a new business. No new business can succeed without both a great product and a brilliant team — we’re fortunate to have both, and this award celebrates that.”
John Gibbons, The Anfield Wrap –Community Impact Award
“Winning this award felt extra special. We do all this work because we feel passionately that we should. But to have it recognised by the Chamber was really humbling and affirming – especially given the amazing work of the other nominees. It has inspired us to keep going knowing we are making a difference in the city where we live and work.”
Jake Wilson, Oriel Studios –Business of the Year Award (Under 30 Employees)
“Oriel Studios were honoured to win Business of the Year at last year’s awards. The award has helped massively with our brand recognition throughout the region and brought new customers to us through the publicity. This award was really well deserved for all the team at Oriel Studios for their hard work!”
With thanks to our awards sponsors:
“Lexus Liverpool are delighted to once again be the Headline Sponsors of this year’s Innovation in Business Awards in this, the Chamber’s 175th anniversary year. This momentous milestone is testament to the hard work that the Chamber delivers year after year, supporting businesses in the city region to navigate the everchanging face of commerce and industry. We are looking forward to celebrating with the wider Chamber family at the Awards evening at St George’s Hall on the 23rd of October.”
UPCOMING EVENTS 2025
#WellConnected
Our main monthly informal networking event, usually on the first Friday of every month.
#WellConnected North and South
Well Connected North and South aims to bring North/South based businesses and professionals together over informal networking. Our aim is to offer more localised targeted support to our existing members and new members.
Third Sector Events
An event focused on developing meaningful collaborations between the third sector and businesses. Hear from successful partnerships, explore funding models, and discuss how to align values for mutual benefit.
Property and Construction Network
These network sessions are focused on discussing issues and developing insights within the property and construction sector.
International Events
Our international events are held throughout the year and cover a range of topics within the international arena, including the International Trade Club.
Flagship Events
Invitation to annual major events such as Aintree Races and our Annual Awards. Members receive exclusive sponsorship opportunities and discounts on tickets.
Business Leadership Events
These events include roundtable discussions, Annual General Meeting, Business Policy Committee/Expert Panels and conferences.
INVESTING THROUGH VOLATILITY: STAYING DISCIPLINED IN UNCERTAIN TIMES
Will Roberts - Investment Director at Rathbones
If recent years have shown us anything, it’s that uncertainty may no longer be the exception, it could be the new normal. For Private Clients, this shift invites a more nuanced approach to portfolio protection, one that leans into flexibility, foresight, and a healthy respect for the unknown.
A new lens on risk
From pandemic disruptions to inflationary surges and geopolitical tensions, global events appear to have reshaped how investors think about risk. In 2025, risk management is no longer just about crunching numbers, it’s becoming a way of thinking strategically. There’s a growing awareness that market disruptions aren’t rare surprises; they’re part of the landscape. That shift is pushing firms to rethink traditional models, which often lean heavily on past data and assumptions of stability. Instead, there’s a move toward more flexible, adaptive approaches. (Equirus Wealth, 2025)
Rather than expecting markets to behave predictably, investment managers are now asking tougher questions, like how portfolios might hold up under pressure. It’s not a foolproof shield against losses, but it can help spot weak points before they turn into costly problems.
Expanding the toolkit
To meet this challenge, investment professionals are turning to a broader set of tools. While familiar metrics like volatility and beta (a measure of how much an asset tends to move in relation to the market) still play a role, newer techniques may offer additional insight:
• Stress Testing: This involves modelling extreme market conditions, such as a sudden interest rate hike or geopolitical shock, to explore how a portfolio might perform.
• Value-at-Risk (VaR): A statistical method that estimates the potential loss in value of a portfolio over a given time frame, with a certain level of confidence.
• Liquidity Analysis: Evaluating how easily assets could be sold without significantly impacting their price, especially during turbulent periods. These tools are increasingly being used not just to measure risk, but to inform portfolio design in a more forward-looking way (Morningstar, 2025). Personally, I can see the value in these tools and whilst no one thing can eliminate risk entirely, they may help investors make more informed decisions.
Lessons from recent events
One of the clearest lessons from recent market shocks is just how crucial liquidity really is. When things get turbulent, having quick access to cash or assets that can be easily traded, isn’t just a nice-to-have, it may be the difference between staying agile or being forced into decisions you’d rather avoid. Whether it’s meeting margin calls, seizing a buying opportunity, or simply riding out volatility, liquidity can give investors room to manoeuvre.
Geopolitical risk is another area gaining attention and can be harder to control. As KPMG’s 2025 Risk Forecast outlines, shifting trade alliances, regulatory fragmentation, and technological competition are contributing to a more complex investment environment. These factors may not always be quantifiable, but they can influence market sentiment and long-term asset performance (KPMG, 2025). So how can you prepare for that?
Building resilience, not just returns
In this uncertain environment, resilience may be emerging as a key investment theme. Rather than focusing solely on returns, many individuals might be exploring how their portfolios can weather different types of storms, economic, political, or otherwise.
In a straightforward manner, this could involve:
• Shorter-Duration Bonds: These may be less sensitive to interest rate changes, offering a degree of stability.
• Alternative Assets: Real estate, infrastructure, and private equity might provide diversification beyond traditional markets.
• Regular Rebalancing: Adjusting allocations periodically may help keep portfolios aligned with evolving market conditions.
Of course, none of these strategies are foolproof. They may reduce certain risks, but they can also introduce others. That’s why a personalised approach, one that reflects each client’s unique circumstances, remains essential.
The role of the adviser
For individuals, risk management is not just about numbers, it’s about context. A seasoned adviser can help interpret data, weigh trade-offs, and tailor strategies to individual needs. While algorithms and models offer valuable insights, they may not capture the full picture of a client’s life, ambitions, or concerns. The human behind the numbers.
In a post-crisis world, the adviser’s role may be shifting from navigator to co-pilot, helping clients chart a course through uncertainty with confidence, but also with humility.
Final thoughts: prepared, not predictive
Ultimately, risk management in 2025 may be less about predicting the next crisis and more about preparing for a range of possibilities.
As we look ahead, vigilance and versatility may prove to be the most valuable assets of all. And while the future remains uncertain, thoughtful planning and open dialogue may help you face it with greater clarity and control.
The value of investments and the income from them may go down as well as up and you may not get back what you originally invested.
For more information, contact Will Roberts on 0151 243 7221 | will.roberts@rathbones.com
Staff Directory
The Chamber team are here to provide dedicated support for business members of the Liverpool Chamber. The below directory provides a list of
Paul Cherpeau
Chief Executive
Paul.Cherpeau@liverpoolchamber.org.uk
Melissa Healy Office Manager
Melissa.Healy@liverpoolchamber.org.uk
Debbie Elliott-Brown
Membership Engagement Manager
Debbie.ElliottBrown@liverpoolchamber.org.uk
Jon Cranston Director of Finance & Operations Jon.Cranston@liverpoolchamber.org.uk
Helen Gibbons Accounts Manager Helen.Gibbons@liverpoolchamber.org.uk
Jane Clappison LSIP Employer Engagement & Project Coordinator Jane.Clappison@liverpoolchamber.org.uk
Lizzie Hughes Head of Commercial Services Lizzie.Hughes@liverpoolchamber.org.uk
Jess Miller Marketing Manager Jessica.Miller@liverpoolchamber.org.uk
Julie Sankey International Trade Executive Julie.Sankey@liverpoolchamber.org.uk
Elena Enciso Head of International Trade Elena.Enciso@liverpoolchamber.org.uk
Aoibheann McCormack Events Manager
Aoibheann.McCormack@liverpoolchamber.org.uk
Lisa Noon Export Documentation Specialist Lisa.Noon@liverpoolchamber.org.uk
Positive cash flow is a prime concern for any business. The last thing you want to do is tie up money unnecessarily if you don’t have to. One often overlooked cost is the overseas deposit required by many countries when temporarily importing goods. These deposits can tie up substantial sums—sometimes for years— restricting valuable capital that could otherwise be applied to your business.
What are Overseas Deposits?
When goods temporarily enter a foreign country, customs authorities often require a deposit, typically a percentage of the goods’ value, to guarantee duties and taxes will be paid if the items remain in their country. Even if you only intend to bring in an exhibition booth, film equipment, or scientific instruments for a few weeks, customs will not simply ‘take your word for it.’
Import duties and taxes apply to temporary imports and in some countries, rates can be as high as 40% of the goods’ value.
That means bringing in £100,000 worth of goods could require a £40,000 cash deposit. Multiply that by several trips and destinations and the financial impact quickly escalates—resulting in restrictions on both your cash flow and international opportunity. You’ll be assessed duties and taxes unless you find another way to bring in goods without paying those charges.
The ATA Carnet Advantage
The ATA Carnet is an international unified customs document that eliminates the need for overseas deposits. Accepted in over 90 countries and territories, it allows for duty- and tax-free temporary importation of goods ranging from fine art to musical instruments, technology, television and film production equipment, and more. It simplifies customs clearance and avoids payment of duties and taxes on your temporarily imported goods, merchandise, and equipment. The ATA Carnet can be used for multiple trips to the same country
AN INNOVATIVE APPROACH TO EMBEDDING WORK-LIFE INCLUSION
Laura Evans CEO Glass Ceilings Change Management
Glass Ceilings Change Management takes an innovative approach to embedding work-life inclusion. Our ethos has always been important to us. However, in the complex economic, commercial, and social climate in which businesses are currently operating, our approach has become increasingly important to shaping workplace culture, productivity, and profitability, and is valued as such by our clients and partners.
We support businesses of all sizes UKwide to plan for their growth with a stable structure because they offer a working environment people want to join, develop, progress, and stay. We do this through a unique approach, combining traditional
management consultancy, HR consultancy, and inclusion consultancy into one strategic commercial consultancy practice. Our nearly two decades’ experience spans small businesses and start-ups of less than 50 people through to organisations of over 40,000 FTE. We partner with organisations to understand their unique operational needs and pressure points, tailoring our advice and approach to their size, structure, and operations accordingly.
One of our core values is ‘Progressive’, meaning we are actively embracing, influencing, and enabling changes in how and where organisations work through our expertise, innovation, and by sharing good practice across multiple sectors. This includes embracing technological advances, including the rapid development of AI, to streamline business processes whilst considering wider ethical implications. We encourage reskilling of employees in advancing technologies to mitigate the risk of rising unemployment, and we are proud to be feeding this expertise into Liverpool Chamber’s Local Skills Improvement Partnership (LSIP) board as a Strategic Partner.
or across several destinations, offering unmatched flexibility and cost control.
Why It Matters for Financial Management
Using ATA Carnets provides:
• Reduction in cash outflow
• Built-in cost controls and savings features
• Positive cash flow for reinvestment in growth
The certainty of knowing where your money is being spent—and where it isn’t tied up unnecessarily—is crucial. By removing the need to make large deposits with multiple customs authorities, ATA Carnets support global business expansion and growth while protecting your business’ working capital.
At boomerang carnets® UK, in partnership with the Liverpool Chamber of Commerce, we help companies find the best solution for their global trade needs.
Learn more at
www.boomerangcarnets.co.uk
We also encourage wider use of tech and AI to provide workplace adaptations and effective hybrid working wherever appropriate, in order to increase meaningful employment opportunities for long-term sick and disabled people. This is particularly impactful during a period of increasing economic inactivity caused by rising sickness in the working age population since the outbreak of the pandemic.
Our approach ensures work-life inclusion is not an afterthought, rather it is deeply embedded across the way our own business operates and transforms the way our clients operate. All of which enables people and businesses to thrive, in turn benefitting society and the economy.
Please visit www.glassceilings.co.uk for more information or email info@glassceilings.co.uk
