TH Accountancy Services

TH Accountancy Services 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

08/06/2026

Client testimonial posts always means a lot when clients take the time to share their experience like this 👇

⭐️⭐️⭐️⭐️⭐️

“Fantastic service. Always quick to reply and happy to answer any questions I have, no matter how small. Really helpful and professional.”
– Sean Bennett

A lot of people worry about asking “silly questions” when it comes to their accounts…but the majorit of the time, those are usually the most important ones.

If you’ve ever felt unsure about something in your business finances, you’re not the only one, and it’s exactly what I’m here for!

I'm currently taking on a small number of new clients - DM me to find out more!

All of these are things I’d invest extra cash into…Some of them are also allowable business expenses, which means they c...
06/06/2026

All of these are things I’d invest extra cash into…

Some of them are also allowable business expenses, which means they can help reduce your corporation tax 👇

✔️I’d top up my pension (expense)
✔️I’d have private health insurance (expense)
✔️I’d make sure all my allowable expenses are going through the business (expense)
✔️Gym membership (expense, depending on circumstances)
✔️I’d hire more employees (expense)
✔️More time off for me
✔️I’d buy an electric car (expense)

It’s not just about spending money… it’s about being smart with where it goes and how it supports both you and the business.

What would you add to the list? 👇

5 signs you might need to hire an accountant as a small business owner 👩‍💼1️⃣ You save all your receipts because you th...
04/06/2026

5 signs you might need to hire an accountant as a small business owner 👩‍💼

1️⃣ You save all your receipts because you think you have to, but you’re not really sure why you’re doing it.

2️⃣ You’ve got money coming in, but it goes straight back out. You have no idea how much to pay yourself, or even if you can.

3️⃣ You’ve registered as self-employed with HMRC, but the thought of all the compliance and deadlines stresses you out.

4️⃣ You want to understand how your business is performing, but it isn’t clear just from looking through your bank statements.

5️⃣ You spend hours on record keeping in a manual spreadsheet and it drains your energy.

Tax things i wish more business owners knew.There’s a lot of unnecessary panic around tax.Most of it comes from things t...
01/06/2026

Tax things i wish more business owners knew.

There’s a lot of unnecessary panic around tax.

Most of it comes from things that were never properly explained in the first place.

Confusion doesn’t mean you’ve made a mistake, and a higher tax bill than you expected doesn’t automatically mean you’ve done something wrong.

Your January tax bill isn’t just for last year.

It can also mean you’ve now hit the threshold to start paying payments on account.

What are payments on account?

When your tax bill is over £1,000, you have to pay:

50% of next year’s estimated tax in January
and another 50% in July

So why does it feel like you’re paying more tax?

You’re not actually paying more overall.

These payments on account are offset against what you owe when your next tax return is prepared.

Will this apply to you?

If your profits are higher this year than last, and your tax bill is expected to be over £1,000, then yes, this will apply.

The key thing is to be prepared for it.

Getting your tax return done early means you can plan ahead for any additional payments, rather than it coming as a shock.

Sometimes clients tell me they’re pregnant before anyone else in the world knows, so they can get help with their financ...
30/05/2026

Sometimes clients tell me they’re pregnant before anyone else in the world knows, so they can get help with their finances.

If you’re a UK business owner, here’s what you need to know.

When you’re not traditionally employed, it can feel quite scary thinking about how you’re going to afford time off from your business.

First of all, there’s no perfect time to have a baby.

If you’re a sole trader, you need to be 100% off, meaning you are NOT working (other than your 10 KIT days when you’re allowed to work).

If you’re a Ltd company director, you can still receive dividends while on maternity leave, but you can’t be actively working in the business.

The good news is you can claim Statutory Maternity Pay directly from HMRC, which changes each year but is around £194.30 per week.

This is usually the best route, but another option is to fund it yourself and then reclaim it the following tax year.

My biggest advice is to set up a maternity pot with your bank, which automatically saves a percentage of your income, whether that’s 2% or 10%.

You don’t always have to completely pause your business either.

Could you have a team member support you or keep things ticking over while you’re off?

The more you plan for this in advance, the easier it will feel. ✨

Many people think an accountant just does tax returns…But there’s A LOT more I can support you with as a business owner ...
28/05/2026

Many people think an accountant just does tax returns…

But there’s A LOT more I can support you with as a business owner 👇

Here’s just a snapshot of what I can help with:

✅ Payroll
✅ VAT returns
✅ Year-end accounts
✅ Self-assessment tax returns
✅ Company accounts and corporation tax
✅ Changes at Companies House
✅ Basic bookkeeping
✅ CIS returns
✅ HMRC submissions and compliance
✅ Insurance claims support
✅ Grant applications and forms

And then the side of things people often don’t realise:

✅ Cashflow forecasts
✅ Budgets
✅ Management accounts
✅ Finance Director support (helping you actually understand your numbers and make decisions)

If you’re a business owner and not sure what support you need right now, message me and I’ll point you in the right direction! 👍

So, if you’ve just started your LTD company (or are thinking of transitioning to one) and you’re like WHAT ON EARTH… thi...
26/05/2026

So, if you’ve just started your LTD company (or are thinking of transitioning to one) and you’re like WHAT ON EARTH… this is for you.

What to do TODAY:

- Make sure your home address is not your registered office address on Companies House and consider arranging an alternative
- Open a current account in the name of your Ltd company and make sure all purchases are made through this account
- Keep a record of all purchases made on personal cards
- Open a high interest savings account in the company name
- Make a note of essential codes you should receive in the post (company authentication code, corporation tax reference number, for example)
- Register for e-reminders with Companies House
- Make sure you’ve set up a Government Gateway account
- Get decent accounting software (you need one that has an automated bank feed, lets you capture receipts, send invoices, and allows your accountant to have access)
- Sort your invoice template – this needs your full company name, logo, company number, and registered office address
- Find a reputable accountant

What to do in your FIRST WEEK:

- Discuss what you can and can’t claim as business expenses
- Make sure you’re clear on how you are taking money out of the company – it’s actually really common to take £12,570 as salary and the rest as dividends
- If you’re running a salary, you need to register for PAYE and run payroll
- Set up a direct debit for your payroll taxes to pay HMRC monthly
- If you’re taking dividends, make sure you’re saving enough in your business for tax
- Speak to your accountant about when you should register for VAT
- Do a personal budget and a company profit forecast

What to do in your FIRST MONTH:

- Make sure your accountant has all HMRC authorisations
- Invoice clients
- Transfer taxes into your savings account
- Upload receipts
- Make sure transactions are categorised in your accounting software
- Make sure your bank is reconciled
- Pay yourself
- Pay bills
- Look at your monthly profit and loss

There's A LOT to keep up with.
Please make sure you're keeping track correctly - it's something I can support with at TH Accountancy so please bob me a message if you're considering changing into a LTD company.

Tracey x

23/05/2026

Happy Bank Holiday weekend everyone 👋

I don’t know about you, but I think we’re all ready for a bit of a break and the weather is definitely going to make it so much easier!

I’m taking the weekend off (for once) so no emails, no accounts, just some time at home to relax (and probably a bit of chaos with the dogs and ponies 🐶).

If you’re working, I hope it’s a steady one!
If you’re off, I hope you get a chance to switch off properly - I know it's especially hard when you're running your own business.

Enjoy the long weekend whatever you’re doing 🌞

Tracey x

I’m a Chartered Accountant, that took me years to achieve, and I’ve been qualified for over 25 years now.But a lot of fi...
21/05/2026

I’m a Chartered Accountant, that took me years to achieve, and I’ve been qualified for over 25 years now.

But a lot of financial “experts” aren’t.

According to HMRC, tax advisors who interact with HMRC on behalf of clients will be legally required to register and meet minimum standards before doing so.

This will begin this month, with a transitional period of at least 3 months.

It’s becoming mandatory for ALL people filing accounts on a business’ behalf.

There are a lot of people online who call themselves bookkeepers or accountants when really they shouldn’t.

This means your VA support or admin support, if they are not a qualified and registered tax advisor, will no longer be able to file to HMRC.

This is amazing news because it means the only people who can now file on your business’ behalf are those who are legally allowed to and fully qualified and trained.

If you have a bookkeeper or other financial support, make sure they’re not filing on your behalf from now onwards, or fines may be imposed.

If your accountant is ridiculously cheap or hasn’t clearly stated that they’re chartered and qualified, they may not be, so make sure you check they have the full qualifications needed before you hire them.

DM me ACCOUNTS if you're looking for support with the finances of your business!

Are you a business owner and just transferring money as you need it? 👀If you are in business and just transferring money...
18/05/2026

Are you a business owner and just transferring money as you need it? 👀

If you are in business and just transferring money as you need it, you're not the only one! A lot of business owners do it that way in the beginning, because no one really explains what the right amount is or how to work it out.

First, you need to know how you actually pay yourself. And that depends on your business structure – sole trader or limited company. That part changes depending on how you are set up.

How much you can afford to take is the bit that matters for everyone.

1. Start with what you actually need.

Before you work out what to pay yourself, work out your personal monthly costs. Think about things like mortgage/rent, car payments, bills, food, insurance, phone, internet, credit card repayments.

This gives you a base to work from, otherwise you're just guessing.

2. Then, look at what your business is making.

Start with the money coming in and take off the business expenses.

Revenue – business expenses = what is left.

BUT that doesn’t always mean that money is yours to take. There are still a few things sitting there that need to be accounted for first.

Don’t forget tax and NI. It needs to be put aside.

For a lot of sole traders, putting aside 20% will be a good starting point for tax. It’s not exact for everyone but it’s usually enough.

This is why separate savings accounts help – it keeps that money out of your day-to-day spending.

3. What is actually available?

So once you take off business expenses and tax set aside, you can see what’s actually left for you to take out.

That’s the number you want to work with, NOT your bank balance.

4. Once you know what the business can support, choose an amount and pay yourself consistently.

That makes life easier personally, and it also gives you a much better idea of whether the business is actually supporting you properly.

5. Check in on it every few months.

Your pay doesn’t need to stay the same forever. If income goes up, expenses change, or the business starts performing differently, review it.

That way you’re adjusting as the business changes instead of waiting until the end of the year and realising it has all been a bit off.

I'm currently taking on new clients to help support with their finances - DM me FINANCE to enquire today and find out more.

Tracey x

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

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