Stewart accounting services limited

Prepare and submit company tax return to HMRC and advise corporation tax due and when to be paid.

In the event of any enquiry from HMRC or the VAT man, we will be able to deal directly with the officers concerned, use our premises to meet with them (so you won't have to), and answer all of their questions on your behalf – and our fees will be paid by our insurance policy.

Preparation and filing of the company payroll to HMRC and providing payslips to employees.

We can prepare payroll; weekly, fortnightly or monthly.

Payroll services includes all pension obligations and dealing with any starters and leavers.

We will take care of your monthly CIS obligations including issuing certificates to give to your subcontractors and submitting your monthly submission to HMRC.

If you provide benefits to your employees – cars, private medical insurance, gym membership, etc – we will prepare and file the annual P11D form to HMRC.

Preparing and submitting your personal tax return with HMRC.

We will take care of all the company secretarial obligations including;

Preparing and submission of the annual confirmation statement
Preparing appropriate dividend minutes and vouchers for the company
Submitting any changes that need to be notified to Companies House eg change in directors or change in registered office.

We will act as the registered office of the Limited Company so you don't potentially need to use your home address which will be on public record with Companies House.

Additionally, all correspondence will be sent to us direct and we will forward on any relevant correspondence to you.

We will take care of as much or as little of the bookkeeping function as you wish. 

From dealing with reconciling your bank accounts, customer and supplier invoices and ensuring all transactions are correctly posted.

Through to added value bookkeeping services of; raising sales invoices, acting as your credit control department to chase outstanding invoices and managing the payments to your suppliers and staff.

We will be preparing and submitting your VAT returns ongoing, meaning that you will be well aware of your VAT liabilities and keep the VAT-man happy! We’re not just filing a bunch of number though, we take a 6 step approach to our VAT Returns service:

1. Create a recurring job in our job management system so we NEVER miss a deadline.

2. Carry out an audit of ALL transactions for the period - check that purchase VAT has been claimed on every transaction that it should have been and conversely that it hasn't been claimed where it shouldn't have been.

3. Ensure that you are on the best scheme to maximise your cashflow - Cash or Accruals. Also keep an eye on going over the threshold at which you HAVE to move to accruals by obligation.

4. Ensure you are aware of your VAT liability before the due date being the 7th of the month after the VAT period.  If you pay your VAT liability by direct debit it will be due 3 days later on the 10th.

5. File the VAT return on time, every time.

6. Deal with any queries, enquiries or investigations from HMRC so you don't have to get involved, allowing you to focus on running your business and avoiding further cost of bringing us into an investigation.

Management accounts enable you to produce accounts as often as you want to be given you the information that you need to manage your business.  

We can prepare you management accounts either on a monthly or a quarterly basis to give you up to date management information to enable you to make better more informed decisions for your business.

Our short term cashflow projections will give you an accurate picture of your past, current, and future cash flow so you can plan for the what-ifs, make more informed decisions, and unlock a brighter future for your business. It’s the smarter way to be more proactive with your cash.

You shouldn’t need to be a financial whiz to get a handle on your cash flow. Our short term cashflow forecast gives you a clear, precise view of what’s happening with your business’s cash today (and tomorrow), based on real-time information.

Your short term cashflow forecast automatically syncs to your accounting software and pulls information from your bank accounts so you can easily see what cash is coming in and going out (and which bills or invoices are overdue), giving you an always up-to-date cash flow forecast.

We can run scenarios based on your current and future cash position to see what could happen if you make a hire, lose a client, increase expenses, receive a late payment, or pay that big bill.

We believe that every business should have a financial budget to plan where you want to be heading. This gives direction to the board and the entire team as to what the business is trying to achieve so you are all working in sync. We’ll also create, manage and update a rolling 12 month 3 way forecast of profit & loss, cashflow and the balance sheet so you always know what the future financial performance and position of the business looks like, based on what we already know today (committed sales and costs). This is about bringing the future into the present so you can do something about it.

Exploring the different ways to tax efficiently put things through the business or take value out of the business to benefit yourself as a business owner.

To take the risk out of the review we charge 25%+VAT of the annual tax savings opportunitities we identify.

If we identify you can save £5k per year we charge £1,250 + VAT if we identify you can save £0 we charge you £0 + VAT.

For every £4 in tax we save you, you give us £1 + VAT back.

We can get you set up on Xero and provide training so you can use Xero yourself to benefit your business to the maximum effect.

We can also assist with implementing different apps to link to Xero to provide more value to your business.

A Business Planning session will require you to take time out from day to day activities in the business to focus on the business.

Together we will review your past performance and clarify future direction.

You will set solid and realistic business goals and define strategies for achievement.

At the end of the session you will have a one page Business Plan which will act as a guide map to ensure you are on course for success.

You will attend a four hour planning session with one of our senior team.

Together, we will:

Discuss and set personal and business goals for the next 12 months
Discuss and agree on an action plan with strategies to support achievement of goals
Identify Gross Revenue Targets and Key Performance Indicators
Identify opportunities and vulnerabilities in your business that need to be managed
Establish a 90 Day Action Plan to address immediate critical issues

We’ll provide you with pre-work, which you will need to complete prior to the Business Planning session to ensure you identify any issues that need to be discussed.

That way we can prepare any information required prior to the session.

We appreciate that owning your own business is hard work; the purpose of Regular Reporting and  Accountability is to provide you with accountability and support to keep you on target towards achieving the goals you have set in your Business Plan.

We will ensure your Business Plan remains a living, working document, and a filter through which all decisions are made.

Preparation of a 12 monthly 3 way Profit and Loss, Balance Sheet and Cashflow Forecast and a one hour Cashflow Review meeting to finalise the Forecast and identify opportunities for improvement. 

We will then embed the Forecast into your accounting software to enable actuals to be measured against forecast.

For business development this is our recommend 3 way approach to help you develop your business with the 3 essential services; annual business plan, annual forecast and regular reporting and accountability.

For clients that pay +£300 per month a one hour complimentary meting that determines business and personal goals, key challenges and way we can work together better.

A one hour meeting to deep dive into the impact of small changes on your business can have to improve your cash balance and profit.

We will also prepare a report that we send you after the meeting including all the matters we discussed.

Registering your Company at Companies House in line with the requirements of the Companies Act including establishing all necessary statutory records, Minutes and Resolutions.

Registering you for self assessment with HMRC and being appointed as your tax agent so that we can handle HMRC correspondence on your behalf.

Registering your entity with HMRC for VAT and registering as your tax agent with HMRC so that we can handle correspondence on your behalf.

Registering your entity with HMRC for PAYE and registering as your tax agent with HMRC so that we can handle correspondence on your behalf.

Registering your entity with HMRC for CIS and registering as your tax agent with HMRC so that we can handle correspondence on your behalf.

Registering your entity with Nest for Auto Enrolment and registering as your agent with Nest so that we can handle correspondence on your behalf.

Comparing the results of your business with those of comparable businesses in your industry.

We work directly with a number of tax specialist in different areas such as; personal tax, corporate tax, R&D tax credits, capital allowances, residence/domicile, VAT, IHT, trusts, EMI/SEIS schemes, property portfolio and planning.

As well as any other tax area of tax advice.

There is nothing much our tax specialists do not cover.

We work have a support team of fully FCA regulated Chartered Financial Planners and over 25 paraplanners and administrators advisore across the UK.

They provide advise on pensions, investments and insurance.

We have a whole of market team of brokers who are fully FCA registered and regulated and on hand to support you.

They can assist with; let to buy, residential portfolios, commercial portfolios, homes with multiple occupancy, self build, as well as offering mortgage protection and insurance.

If you are looking for support to get a mortgage for yourself as a CIS worker, self employed, contractor or director of a limited company we work with a specialist broker that can secure bespoke mortgages for you.

We have a team of corporate lawyers, litigation solicitors, and barristers to assist with your legal matters.

From basic shareholder or partnership agreements, drafting of memorandum and articles of association to litigation, arbitration or complex merger & acquisition work.

We can support with secured and unsecured lending, provide quick decisions and regulated advice.

We have a team that can support with; asset finance, bridging loans, commercial investment, cash flow lending, development finance, portfolio lending, second charge and trading business loans.

Our broker team are highly experienced whole of market and a fully FCA regulated and registered.

Our team have over 100 years between them as practicing HR consultants and legally qualified solicitors.

They can deal with every HR matter that you have a challenge with.

We offer a full range of health and safety services in customised tiered package which can include; competent person provision, health and safety audit and inspection, fire risk assessment, policies, procedures and risk assessment, fire evacuation planning, preparation and delivery of training matrix, on site consultancy, expert legal advise and representation, ISO 9001, 14001 and 45001 management systems, occupation health, hygiene and EAP.

We have a team of over 40 licensed and regulated IP partners. We can provide assistance and recommendation on both solvent liquidations and voluntary liquidations. Depending on the situation, we can provide steps and action plans assisting clients to help mitigate solvency issues whether these be short or long term challenges.

We have access to great service and good rates for foreign exchange transactions.

We can work with you so your business is in the best shape it can be so you can exit your business at the time you want for the price that you want. The chances of selling your business for more than you think it is worth when you want to retire is 1 in 2222. To give you the best chance of being that 1 we can put a plan in place to get you there.

We have a fully qualifed and regulated will writing team that can take care of all your will/power of attorney/estate planning needs.