Guides

Plain-English guides for small business owners

Practical answers to the questions we're asked most, written by Tracey Hargraves ACA. No jargon, just what you need to know and do.

Tax 5 min read

Self Assessment deadlines and how to avoid penalties

Key Self Assessment dates, payments on account and HMRC late-filing penalties explained in plain English by a Northwich chartered accountant.

Starting up 6 min read

The practical differences between trading as a sole trader and a limited company, covering tax, liability, admin and when switching makes sense.

Tax 5 min read

The current £90,000 VAT registration threshold, how to measure it, voluntary registration and the VAT schemes worth knowing about.

Tax 5 min read

Who has to join Making Tax Digital for Income Tax from April 2026, 2027 and 2028, quarterly updates, and how to get ready.

Tax 6 min read

Salary, dividends and pension contributions: how owner-directors of small limited companies typically draw money, and what to consider.

Growth & finance 5 min read

How to build a practical 12-week cash flow forecast, what to include, and how to use it to avoid cash crunches and plan for tax bills.

Growth & finance 5 min read

What a fractional or part-time FD does for a growing SME, how it differs from an accountant, and the signs your business is ready for one.

Starting up 4 min read

What to look for when choosing an accountant in Northwich or mid-Cheshire, including qualifications, responsiveness, fees and fit.

No jargon, no obligation. Tell us where you are and we'll tell you honestly how we can help.