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TH Accountancy Services

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TH Accountancy Services

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Accountant

Fully qualified Chartered Accountant in Northwich, helping individuals and businesses stay on top of their finances.
✅ Bookkeeping
✅ Accounts Production
✅ Company & Personal Tax Returns
✅ Companies House Filings
DM to enquire

05/11/2026

If you’re a company director, Companies House needs to have checked your ID by 17 November.
This is a new rule, and plenty of directors I speak to still haven’t heard about it.

Since last November, everyone who runs a limited company has had to verify their identity with Companies House. Existing directors were given 12 months to get it done, and that window closes on 17 November.

Most people can do it through the GOV.UK One Login app with their photo ID, and it doesn’t take long. Once you’re through, you get a personal code, which goes on your company’s next confirmation statement.

Companies House has said it will start enforcing the rule once the changeover ends, which could mean fines or trouble filing your accounts.

If you’d rather someone walked you through it, DM me the word VERIFY.

02/11/2026

If you run a small business in or around Northwich, these are the jobs we can take off your plate.
Plenty of people only find out we do more than tax returns once they’ve been with us a while, so it seemed worth setting it all out.

📋 Bookkeeping, for anyone who’s behind or dreads doing it
🧾 Self Assessment tax returns for sole traders and landlords
🏢 Year end accounts and Corporation Tax for limited companies
💷 VAT returns, done on time every quarter
👥 Payroll, from your first employee onwards
📊 Cash flow forecasts, so you can see what’s coming
📱 Making Tax Digital set up, ready for next April
🎯 Finance director support for growing businesses

You can pick 1 job or put together whatever makes sense for you. Either way, you’ll know the cost before we start.

Send me a message saying which one you need, or give us a ring:

📞 01606 218302
📧 [email protected]
🌐 www.thaccountancy.co.uk

30/10/2026

So Wednesday’s budget announcement 👀

I’ve picked through it for you… There’s a lot in it, so I’ve split it up by who it affects.

The headline is that Chancellor John Healey’s first Budget left the rates for income tax, National Insurance, VAT and Corporation Tax all the same. The thresholds are still frozen though, so as earnings creep up, more people will end up in a higher tax band!

💷 Sole traders and side hustles
• The trading allowance triples from £1,000 to £3,000 from 6 April 2027. Earn less than that from a side hustle and you won’t need to register or pay tax on it.
• Making Tax Digital: if your self-employed or rental income was over £30,000 in 2025/26, you’re in from 6 April 2027. You won’t get penalty points for sending any of your first 4 quarterly updates late in 2027/28.
• Mileage: 55p a mile for your first 10,000 business miles is now permanent, and every mile after that goes up from 25p to 35p.
• Fuel duty stays frozen, with the 5p cut kept, until 1 July 2027.

🏠 Landlords
• Tax on rental income goes up by another 2 percentage points from April 2027, to 24%, 44% or 49% depending on your band. Keeping good records and claiming every cost you’re allowed matters more than ever.

🏦 Savers
• Savings income will also be taxed at 24%, 44% or 49%.
• The cash ISA limit stays at £20,000, and the planned cut to £12,000 has been scrapped.

👥 Employers
• From 1 April 2027 the National Living Wage goes up 3.9% to £13.21 an hour, and the rate for 18 to 20 year olds rises to £11.27.

🏪 Shops, cafés, salons and pubs in England
• From April 2027, premises with a rateable value up to £18,000 will pay no business rates at all, up from £12,000, and tapered relief will run up to £21,000. Around 70,000 more high street businesses could pay nothing.
• Retail, hospitality and leisure businesses that don’t qualify will have their rates bills frozen from April 2027 to April 2029.

🏢 Limited companies and business owners
• From April 2027 the main first year allowance on equipment goes up from 40% to 50%, while the main writing down allowance falls from 14% to 12%.
• If you’re planning to sell your business, the lifetime limit for Business Asset Disposal Relief is halved from £1 million to £500,000.

📅 Coming in 2029
• Payments on account will be replaced by smaller, more regular payments through the year, which should make January a lot less painful.
• VAT and PAYE will need to be paid by Direct Debit.
• VAT invoices will need to be sent in a set electronic format from 1 April 2029.

HMRC is also taking on 670 extra compliance officers, which is a very good reason to keep your records tidy!

Most of this doesn’t start until April 2027, which gives you the winter to get ready.

If you want to know what any of it means for your own figures, DM me the word BUDGET and we’ll have a chat.

Tracey ☺️

26/10/2026

5 Ways To Wealth Max your Ltd Company (it's never too late to start) 💰

1. High-Interest Savings Account.

2. Invest Inside your Ltd.

3. Lease a car through your Ltd.

4. Your company can pay for certain things such as - annual staff party. - trivial benefits such as 6 x £50 vouchers per year. - annual eye test. - annual preventative health screening. - relevant life insurance, paid by the company not personally. - use of home allowance. £312 flat rate per year or potentually more with a formal licence agreement between you and your Ltd. company.

5. Think long term. Every subscription you cut, every cost you reduce - that's capital that stays in the business and compounds over time. Once you've built a meaningful cash pot, the wealthy rarely hold assets personally.

Look into:

- holding company structures.
-SSAS pension.
- Family investment companies.
- Buying investment property through your Ltd.

Stop being passive with your business money.

Always speak to a professional before making financial decisions!

22/10/2026

The expenses self-employed people forget to claim most often.

🚗 Business mileage: 55p a mile for the first 10,000 miles in your own vehicle

🏠 Working from home: a flat £10 to £26 a month depending on your hours, or a share of your real bills

📱 The business share of your phone and broadband

🎓 Training that keeps your current skills up to date

📰 Professional memberships and trade subscriptions

🏦 Bank charges on your business account

🧾 Your accountant’s fees, which always surprise people

There's so much more too! You need a record for each one, which is where a bookkeeping app earns its keep. A photo of the receipt or a note of the journey is usually enough.

If you're looking for help with maximising your income, DM me the word ACCOUNTS.

20/10/2026

A business can be profitable and still feel like there's no money anywhere!

That's usually where I want to look a little deeper as your accountant. Profit tells you one part of the story. Cash flow tells you another. THen your balance sheet, receivables and payables start to show you what is sitting behind it all.

Maybe customers are taking too long to pay. Maybe you have a lot of bills falling due at once.

Maybe expenses have slowly increased and you've not really noticed.

Maybe the business is profitable, but the timing of money in and money out is putting pressure on the bank account.

This is why I don't want business owners looking at one number in isolation. You don't need to know every report inside Xero, but understanding a few of the key ones can give you a much etter idea of what is happening financially in your business. And, it makes the conversations with your accountant a lot more useful too.

If you've been looking for support with your accounts, DM me the word ACCOUNTS and we can have a chat.

16/10/2026

One of my clients had done her own books for 6 years, and she’d paid more tax than she needed to in every one of them.

She runs a small business from home and came to me because she was fed up of losing weekends to her tax return. Saving money wasn’t even on her list.

Going through her figures, the problem showed up quickly. She’d only been claiming costs that came with a receipt. Her business mileage had never gone near a tax return, and neither had the cost of working from home.

Once we’d added those in, her tax bill came down by a few hundred pounds that year. She got her weekends back too, which she said mattered more.

It’s one of the most common things I see with people who do it themselves. They’re careful and organised, and they still miss out, because nobody’s told them what they’re allowed to claim.

If you do your own books, how sure are you that you’re claiming everything you’re allowed to?

13/10/2026

Making tax digital might seem big and scary... Most of the people who’ve rung me about it are worried about the software. Once they see it running, the worry goes, because keeping records in an app is quicker than the shoebox ever was.

When you come to me for help getting ready, I’ll:

✅ Look at how you keep your records now
✅ Set you up on software that works with HMRC
✅ Show you how to keep on top of it in 10 minutes a week
✅ Send the quarterly updates for you, if you’d rather not think about them

You don’t need to wait until April. People who get set up over the winter have a few months’ practice before it counts.

DM me the word MTD for a free chat!

What’s the one thing about Making Tax Digital you’d most like someone to explain properly?

11/10/2026

The tax return you send in this winter decides whether Making Tax Digital applies to you from next April.
Making Tax Digital for Income Tax started in April for sole traders and landlords with income over £50,000. From April 2027 the line drops to £30,000.

HMRC decides who’s in by looking at your 2025/26 tax return, the one due by 31 January. If your self-employment and rental income comes to more than £30,000 before expenses, you’ll need to keep digital records and send HMRC an update every 3 months.

What that means for you:

📱 Your records need to live in software HMRC accepts, so a paper diary won’t do
📆 You’ll send 4 quarterly updates a year, on top of the usual return
💷 It’s your turnover that counts, before any costs come off
⏳ From April 2028 it drops again, to £20,000

If you’re getting close to £30,000, spend the autumn getting your bookkeeping into a proper app. It’s a much easier change to make now than in March. Comment the word READY if this is something you're looking for support with.

08/10/2026

If I had until the end of 2026 to get one business's books completely clean, here's what I'd do:

1. Pull every account into one place, no more guessing which app the money's sitting in.

2. Categorise the last 90 days first. The recent stuff is what will change decisions right now.

3. Reconcile against real bank statemenrs. If it doesn't match a statement, it doesn't count yet.

4. Separate personal and business. Even if that means opening a new account today.

5. Check your real bank balance every week. Not a projected number, what's actually in your account right at that moment.

6. Set aside a percentage for tax the second money comes in - not at tax return time!

7. Look at November and December now, while there's still time to do something about them.

If you'd rather just hand it all over, I am currently taking on new clients, DM me the word ACCOUNTS and we can have a chat.

Address

Acton Cliff Farm, Cliff Lane, Acton Bridge
Northwich
CW82RZ

Opening Hours

Monday	12am - 12am
Tuesday	12am - 12am
Wednesday	12am - 12am
Thursday	12am - 12am
Friday	12am - 12am

Telephone

07919380114

Website

https://www.thaccountancy.co.uk/

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