Peppercorns Accountancy

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� Modern Accountants for Modern Businesses.
� Cloud accounting specialists based in York.

29/08/2026

⚠️ DIRECTORS LOAN ACCOUNT ⚠️

Just because the business bank account has money in it, doesn’t mean it’s all yours to spend and using company money for personal spending can leave you with an overdrawn Director’s Loan Account (DLA).

That balance needs to be repaid or cleared properly. If it remains overdrawn, your company may also face an S455 tax charge. (Which is hefty)

And if you need to take extra dividends to clear the loan? That extra income could push you into the higher-rate tax bracket. 🤦🏻‍♂️

A little planning now could help you avoid an overdrawn DLA, an S455 charge and a much bigger personal tax bill later.

💻 www.peppercorn-accountants.com
☎️ 01904 900136 (WhatsApp too)
📧 [email protected]

25/08/2026

⚽️ LETS TALK FOOTBALL ⚽️

Football clubs aren’t just asking their accountants what happened last season anymore, they’re asking them what they can afford to do next season too 📊

Things like transfers, wages and investments, are all being discussed with accountants to comply with regulations and ensure they can grow and compete 💪🏻

If football clubs are using accountants to help make their biggest decisions worth millions and millions, why aren’t small businesses? 🤔

💻 www.peppercorn-accountants.com
☎️ 01904 900136 (WhatsApp too)
📧 [email protected]

17/08/2026

🏆 TROPHY TIME 🏆

Always said we weren’t in this for the awards but it’s lovely to know that when someone reviews our processes, values, reviews and other metrics as a business they and determine we’re worthy! 🥰

What’s more important is how our clients feel about us and we’ll continue to keep trying to get better and make doing your accounts easier for you all even though we know most of you LOVE doing your finances 😏

If you’re thinking of changing accountants or even getting one for the first time please reach out and we can try and help

💻 www.peppercorn-accountants.com
☎️ 01904 900136 (WhatsApp too)
📧 [email protected]

14/08/2026

COME HELP ME 👋

Quite simply, I need some help.

I’m looking for someone to join me for around 16–20 hours a week and help keep everything running smoothly.

It’s for someone who wants a bit of everything.

📞 speak to clients
📧 emails and enquiries
👀 Chase people when we’re waiting for stuff
📁 Keep documents, systems and me organised
👋 Help get new clients set up
📱 Help me with social media and content
💻 Potentially do a bit of bookkeeping - I’ll happily teach you
📝 General office/admin bits
💡 Help me make things work better

I want someone who’s organised, good with people, comfortable using technology and happy to just get stuck in.

There will be extra holidays, a referral scheme, a super chilled working environment, plenty of flexibility and a few other perks (you can come up with your own)

Interested?

Drop me a message. You don’t need to send me a 14-page CV and a cover letter explaining why “attention to detail is your greatest strength”.

Just tell me a bit about yourself and why you think you’d be good at it 👍
:::

11/08/2026

🕵️‍♂️ TAX EVASION 🕵️‍♂️

There’s a VERY big difference between tax avoidance and tax evasion 👇

🟢 TAX AVOIDANCE
“I’ve claimed everything I’m entitled to.”

Using the tax rules properly to reduce your bill.

Pensions. Allowable expenses. ISAs. Tax reliefs. Sensible remuneration planning.

Legal ✅

🔴 TAX EVASION
“Cash? What cash?”

Deliberately hiding income, making up expenses or giving HMRC false information to reduce your tax bill.

Illegal ❌

🌶️ The job of a good accountant isn’t to make sure you pay loads of tax.

It’s to make sure you pay the right amount of tax.

Use the rules. Claim what you’re entitled to. Plan ahead.

Just don’t start inventing receipts for that “business meeting” in Ibiza. 👀 ✈️

29/07/2026

📅 A couple of important dates to keep on your radar this week

💷 31st July 2026 is the deadline for your second Payment on Account. Missing it could lead to interest being charged, so make sure it’s sorted. Check your HMRC account for the exact amount (or your personal tax pack if you’re a client of ours 🤓)

💻 7th August 2026 is the deadline to submit your first Making Tax Digital for Income Tax quarterly update if you’re signed up to MTD. Get in touch if you need a hand or advice on this.

🤝 If you’re finding tax deadlines, bookkeeping and paperwork are becoming a bit of a juggling act, we can help.

📩Drop us a message and let’s make managing your business a little easier.

💻 www.peppercorn-accountants.com
☎️ 01904 900136 (WhatsApp too)
📧 [email protected]

22/07/2026

Running a small business means wearing a lot of hats.

One minute you’re sending quotes, the next you’re chasing invoices, replying to emails, posting on social media, ordering stock and keeping customers happy. Then there’s the accounts on top of it all 🙃

You don’t have to do everything yourself 🤨

We combine our support with cloud accounting software in one simple monthly package. We work with you throughout the year, giving you real time financial information, reducing the admin burden and helping you make better business decisions.

Less time on paperwork. More time growing your business.

📩 If you’re ready to spend less time on the books and more time running your business, send us a message

💻 www.peppercorn-accountants.com
☎️ 01904 900136 (WhatsApp too)
📧 [email protected]

19/07/2026

📉 Made a trading loss? It could mean cash back 💰

Did you know that if your company has made a trading loss, you may be able to carry that loss back and offset it against profits from the previous accounting period.

It could be because of a bad year, business changes or some new equipment that generates this loss.

Carrying back against previous profits instead of forwards could result in a Corporation Tax refund, helping to improve your business cash flow when you need it most.

Not sure if you’re eligible? We’d be happy to help.

💻 www.peppercorn-accountants.com
☎️ 01904 900136 (WhatsApp too)
📧 [email protected]

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14/06/2026

💡 Are you claiming everything you’re entitled to through your limited company?

Many directors miss out on valuable tax-efficient expenses simply because they don’t know they’re available.

Some of the most commonly overlooked claims include:

✅ Staff parties
✅ Annual medical tests
✅ Mobile phone bills
✅ Trivial benefits
✅ Private or life insurance policies
✅ Pension contributions
✅ Director’s salary

Getting these right can help reduce your tax bill and make your company more tax efficient.

Remember, the rules and eligibility criteria vary depending on your circumstances, so professional advice is always recommended before making decisions.

💻 www.peppercorn-accountants.com
☎️ 01904 900136 (WhatsApp too)
📧 [email protected]

09/06/2026

🚨 Companies House Update 🚨

Small and micro companies will be required to file Profit & Loss accounts with Companies House from 1 April 2028.

While an option to keep P&L accounts off the public register is expected to remain, this marks another step towards greater transparency and digital reporting requirements.

Key changes include:

📊 Mandatory P&L filing for small and micro companies
📅 Effective from 1 April 2028
❌ Abridged accounts abolished
🔍 Increased reporting requirements for businesses

There’s no immediate action required, but it’s worth understanding how these changes could affect your company in the coming years.

Have questions about what this means for your business? Get in touch with our team.

💻 www.peppercorn-accountants.com
☎️ 01904 900136 (WhatsApp too)
📧 [email protected]

bookkeeping smallbusiness labour AAT entrepreneur payroll VAT York accountants businessowner spotifywrapped review businessmanagement accountingsoftware taxtip companieshouse startup MTD budget bookkeeper cashflow property Xero HMRC

Address

Wilberfoss
York
YO415PP

Website

http://Peppercorn-accountants.com/

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