SME Accountant

Contractor Accountant

At APJ Accountancy we pride ourselves for providing comprehensive solutions to our contractor client base which is customised to their personal needs and circumstances and are extremely good value for money.

Our service is suitable to all contractors, freelancers, engineers, medical staff and other professionals.

We offer a specialised accountancy and tax service to all contractors whether you choose to work as an individual or you wish to operate through your own limited company. Our package has been designed specifically for the needs of the contractors based on our experience and feedback we have received from our clients.We offer a specialised accountancy and tax service to all contractors whether you choose to work as an individual or you wish to operate through your own limited company. Our package has been designed specifically for the needs of the contractors based on our experience and feedback we have received from our clients.

What does the Contractor need?

When any contractors are asked what they want from their accountants, at the top of the list are:

• A lowest possible tax bill. (We ensure that you pay minimum possible tax maximising your Take home pay)
• A minimum of paperwork and administrative hassle. (We give you Free access to arguably the most advance online accounting software so no need to keep those papers anymore)
• They need someone they can talk to & share their concerns and someone they can trust & rely on.
• Peace of mind that they do not have to worry about their tax returns and accounts or HMRC Investigation. (We provide HMRC investigation cover as standard within our standard package)

Knowing above, we have put together comprehensive services which would meet the requirements of any professional contractor. And by the way, we also take into account challenges of IR35 and opportunities presented by changes to the tax and VAT legislation.

In short we aim to take the hassle out of your hands whilst keeping your tax low. Our approach is very much "leave your problems with us".

So you may wonder why choose us and what makes us so different?

Here’s Six reasons why you should appoint us as your Accountant:

• We will save you tax We ensure your business is structured in the most tax efficient manner and that you are claiming all allowable expenses.
• Fixed monthly fees Our fees are fixed per month so you can be assured their will not be any surprises. We include everything you need as a Contractor/Freelancer, with no hidden charges.
• Accounting software which suits your needs We set you up with the right online accounting software for your business and provide all the training and support you need.
• Always available You will receive your accountant’s personal mobile number so you can call when you need them, any time including evenings or weekends.
• Proactive and informative We provide you with regular newsletters, manage your deadlines and we keep you up to date with any legislation changes.
• An accountant who cares We are not your typical accountant, we pride ourselves in adding value to your business and ensure you get the best level of service

Further more, all our accountancy and tax saving services are backed by our 3 pronged NO- Risk guarantee...

• All work is based on a fixed fee, quoted in advance. You’ll never, ever pay single penny more then what's agreed .
• All deadlines will be met. If we are ever late, you pay us nothing and we’ll pay all fines for late filing, plus give you £250 for the inconvenience.
• Free Unlimited Support. All Time Every Time.

And if this was not all, we also give you FREE access to arguably THE best step-by-step system for growing your business. This truly astonishing system comes complete with video tutorials, step-by-step guides and fill-in-the-blank templates which will help you market your services as a professional Contractor more competitively then others in the market. Now how many Accountants do you know who are willing to go to such length for “You�

So if you are a ambitious contractors looking to maximise your Income by implementing all possible tax planning opportunities then I know you will love to meet with us

By Meeting us, there is nothing for you to loose and everything to gain. So book your free meeting today by simply filling in the form on right side this page or call us on 0208 931 0165.

IR-35 Accountant

Many of you who have been contracting for a number of years will already be aware of and understand the concept & impact of IR35. However for those that have never Contracted before you may want and need further information.

Until April 2000 there had been little confusion as most, if not all contractors operated through either an umbrella or limited companies. In doing so they were free to manage their income themselves, normally with the assistance of an accountant. If you have been contracting for a while you will know that historically this included, very low salary levels being drawn alongside expenses monthly, with a balance usually paid as a dividend.

Dividends were taken rather than salary as they do not attract National Insurance deductions, and some income was also passed to other individuals (normally people on low income such as working/non working spouses).

Above arrangement was working out in favour of Contractors and Taxman was loosing out. Hence the famous IR35 was brought in to prevent the payment of less tax and national insurance by using a personal service company or partnership to provide services through rather than being a direct employee.

The regulations are applied where a worker supplies services through a relevant intermediary (which can be a company, partnership or individual), to a client and had the worker contracted directly with the client, the income would have been treated as employment income for tax purposes.

There are plenty of good Accountants who can offer advice and inform you on your own status with respect to IR 35 and this is where their service will really stop.

What really differentiates us from other’s is that we will not stop there and will work with you to explore options to make your contract fall outside the scope of IR 35 as this can really impact on your Take Home pay.

How we can help you?

To begin with when you book up an ‘FREE No-Obligation Meeting’ with us we will advice you on your contract and an opinion on whether is fails or passes IR35

We will explain in details about the assistance we can provide in improving your contract for the purposes of defeating IR35 We can take care of all the aspect of the compliance work ranging from setting up of Limited company and registering you and your business with HMRC through to managing and maintaining your accounts and providing you with unlimited support for Tax planning opportunities.

And if this was not all, for existing contractors in dispute with HMRC or those who are unfortunate to have been caught up into investigation, we can help you with contentious status disputes with the Revenue so that it works out in your favour. This will however of course depend on individual circumstances of the case.

So if you are a ambitious contractors looking to maximise your Income by implementing all possible tax planning opportunities then I know you will love to meet with us

By Meeting us, there is nothing for you to loose and everything to gain. So book your free meeting today by simply filling in the form on right side this page or call us on 0208 931 0165.

We will love to meet with you soon.

Compliance Services

All of our compliance services are fully managed by us, taking the stress and time away from you.

We take you through every step of the process, from gathering the information to preparing the forms and meeting the deadline.

We know you're busy and have better things to do so we actively handle every stage to minimise the hassle for you. We manage the deadlines throughout the year so you don't have to.

These services include:

• Personal Tax Returns
• Income Statements
• Business Accounts
• Company Accounts
• Company Tax Returns
• Companies House Returns
• Statutory Audits
• We will inform you at the start of each year exactly what your requirements and responsibilities are and then set up our systems to make sure you have no deadlines, penalties or interest to worry about. All to an agreed, fixed fee rolled into your normal monthly payments.

Get in touch on 020 8931 0165 for CIS-focused accountancy.

Time-Saving Services

Our Time-Saving services are the things we can do to make your life easier.

Why waste your valuable time and resources on office chores when we can take care of the whole thing for you – properly, efficiently and effectively.

These services include:

• RTI Payroll
• VAT Returns
• Bookkeeping Services
• Expenses management
• Credit control
• References and certificates

We agree a bundle of Time-Saving services that meets your budget and needs and then take all that distraction away from you, allowing you and your team to get on with building your business.

Again, all to an agreed, fixed fee rolled into your normal monthly payments.

And, again, each and every one of these comes with our unlimited FREE support service rolled in.

So go ahead. Request your FREE meeting today. If you're still undecided, watch this video first and then enter your details in the form on the right of the page, or phone us direct on 02089310165.

Value Added Services

Our value added services are focussed on making sure you earn more money and keep more of that money for you, your family and your lifestyle... whatever the size of your business or wallet.

They are designed to suit every client, in every circumstance.

We currently provide the following Value-Added services...

• Business PerformanceTRACKER
• DecisionMAKER
• BusinessBUILDER
• ProfitSAFE
• FutureSAFE

Here's a quick overview of each one...

Business PerformanceTRACKER: Monitoring The Health Of Your Business...

Too many businesses fail to perform to their true potential because there are things happening beneath the surface that the owner doesn't become aware of until it's too late.

With Business PerformanceTRACKER you can run your business like you drive your car, with all the key information right there in front of you. Forget management accounts, this is a truly incisive way of looking at what really matters.

DecisionMAKER – Looking To The Future To Guide Your Decision-Making Today

The ones that you take without any guidance.

The ones that you take and try to second-guess the outcome.

Here's a question...

Are the outcomes of the decisions you've taken today consistent with those you took yesterday, or those you will take tomorrow? Do you know what difference they will make?

Financial forecasts are not about "How long is a piece of string?" They are about providing you with a proactive tool that enables you to see the impact of your daily decisions on the future of your business. How fundamental to your success is that? And this is exactly what you get with our DecisionMAKER programme.

BusinessBUILDER – Raising The Funds To Fuel Your Growth

The majority of UK businesses are underfunded. They manage their cash flow through a soup of retained profit, loans, overdraft and owner's capital.

Usually it has developed piecemeal over the years without any real structure between where the money comes from and where it's spent. This wastes profit, damages cash flow and adds to the stress of running a business. Is yours any different?

Don't wait until you need a further injection. Very few businesses take the time to properly reassess their financial needs and properly put in place the right mix of funds needed to fuel their growth. Through our innovative BusinessBUILDER programme, you can now do this.

ProfitSAFE – Keeping Your Money In Your Hands

Tax. We all have to pay it. We all understand why we need to. The vast majority of us are prepared to pay our fair share. But fair is a subjective measure. It certainly isn't a word that HMRC recognises.

How do you know that you are paying a 'fair' amount for you? How do you have the confidence of knowing that you are legal in your tax affairs but not paying a penny more than you consider to be 'fair' or necessary?

Through our ProfitSAFE programme, that's how. Tax planning isn't just for the realms of the idle rich or the 'morally corrupt', as our politicians and media would have it.

Anybody who runs a business, employs staff, has an income or has built up capital, has the opportunity to plan their tax affairs more effectively and more fairly.

The key is to plan your affairs in such a way that they reflect your own circumstances, your attitude towards tax and your own needs. You can do this through our ProfitSAFE programme.

FutureSAFE – Guiding You Into A Successful Life Beyond Your Business

What plans do you have for tomorrow? Do you intend to retire? Are you going to sell your business or carry on in a reduced capacity? Or don't you have any plans? Are you too busy to think about it or dare you even think about it? Are you stuck?

Too many questions? Well, here's two more...

Do you remember what age you set as a target for getting out of the business on a day-to-day basis? Is that age still on?

Thinking about the future feels like it's all questions. The only certainty is the challenges you face today. Tomorrow will have to wait. But, deep down, you know it can't...and this is what our FutureSAFE programme is all about.

We want to turn that uncertainly into a structured plan, a clear vision of your future that can be acted upon and achieved. Let's face it, without a plan one more thing becomes certain...your future won't be what you dreamed of.

Business Startup

At APJ Accountancy Limited we specialise in business start-ups. We can provide effective solutions for your business proposition by working proactively with you, taking your ideas and helping you to develop them into a thriving business.

Having the enterprise and commitment to see your business idea through is just the first stage of starting your new business. We can help with the pertinent issues and questions you may have as your new business starts to take shape.

These can be:

• Deciding on the most suitable structure for your business - sole trader, partnership or limited company.
• Setting up bank accounts and establishing a good working relationship with your bank.
• Preparing a business plan, cash flow projections, budgets and trading forecasts to test the financial viability of your proposition.
• Carry out registration procedures with Companies House or HM Revenue and Customs and advice on optimum share allocation if you choose to set up Limited Company.
• Undertaking company secretarial duties
• Our personal approach means that we can be used as a sounding board for new ideas during the critical first 12 months, saving time and unnecessary costs, and during the early years we can provide you with a broad range of support services through both our accounting services and general practice departments.

Accounts & Bookkeeping Services

When you are running a business, it is important to know how your business is performing however the most important part is to be able to spend maximum time doing what you are best at doing , which is to work on developing your business without having to worry about various legal obligations around maintaining and managing accounting records.

At APJ Accountancy Limited we take these worries out of your hand as we have an experienced and expert accountants team who will not only maintain these records for you but also provide you with timely and up to date financial insight into how numbers are stacking up for your business.

Whatever the size of your business we have a range of services that will be suitable for you.

Our Accounting services include:

• Preparation of monthly or quarterly management accounts: this will give you an accurate snapshot of how well your business is doing, with ‘up to the minute’ accounts and ratio analysis to help you review your business performance at a glance.
• Preparation of VAT returns: accurate and timely completion of VAT returns is a legal requirement. Our team will undertake this task so that you don’t have to worry about it each quarter.
• Bookkeeping:we provide a comprehensive bookkeeping service which can be manual or software based depending upon your preference. It can be fully outsourced to our premises or our specialist team can work at your premises should you wish us to do so.
• Cash flow monitoring and forecast predictionsfor businesses where cash-flow is tight, managing the cash and prioritising outgoings is vital. We can play an active role in ensuring that your business makes the most of its available finances.

• Accurate and timely information helping you to have a full understanding of your business
• Full compliance with all statutory formalities and directors' responsibilities
• Financial advice to enhance your business and protect it from risk and most of all
• You will get the maximum time doing what you are best at – which is to develop your business.

All of the above forms part of our process to help our clients develop a successful and profitable strategy for their businesses.

Company Payroll Services

Administering your payroll can be time consuming, diverting energy and resources from the core activities of your business. And the task is made all the more difficult by the growing complexity of taxation and employment legislation and the accompanying regime of penalties for non-compliance. We have dedicated staff that can relieve you of this burden by providing a comprehensive and confidential payroll service.

Our Payroll services include:

• Customised payslips (as required)
• Administration of PAYE, national insurance, statutory sick pay, statutory maternity pay, etc
• Completion of statutory forms, including year end returns, to issue to your employees and submit to the Inland Revenue
• Summaries and analyses of staff costs
• Administration of incentive schemes, bonuses, and ex-gratia and termination payments
• Administration of pension schemes

Even if you have only a few employees, you will make savings by engaging us to administer your payroll

Moreover we use the latest payroll software and keep up to date with any legislation changes. Our service is accurate and reliable, ensuring all Revenue deadlines are met.

Taxation Services

Taxation is often regarded to be the most complex area of accountancy and as such would need some professional advice.

At APJ Accountancy Limited we will help you to understand the tax implications of your actions which will enable you to plan ahead and conduct your affairs in a tax efficient way.

Our Taxation services include:

Corporation Tax Services

Under Corporation Tax Self Assessment (CTSA), the legal responsibility for correctly calculating the corporation tax liability falls on business owners. We understand the issues facing the businesses and can prepare tax returns in a timely and efficient manner. We will also calculate your company’s tax liability and assist with the calculation of any quarterly installment payments.

The increased reporting obligations, investigation policies on the part of the tax authorities and harsher penalties for non-compliance mean that your time and resources can be taken up with tax administration. We will help to minimise corporate tax exposure and relieve the administrative burden of compliance with current tax legislation. Effective corporate tax planning can also result in significant improvements in your bottom line.

Personal Tax Services

We will assist you with

Self Assessment

We can provide you with practical advice on personal tax positions and the planning opportunities available to you. We can complete tax returns, calculate any tax liability and advise you on exactly when to make payments and how much to pay.

Personal Tax Planning

Today, more and more emphasis is being put on taxpayers’ individual responsibilities and everyone who is subject to taxation needs professional advice and support if they were to optimise their tax position and ensure that they meet the compliance requirements. Our specialist tax team can provide you with round the year advice on all aspects of personal taxation.

We will assist you with everything from registering for self-assessment tax to preparing the necessary documents as well as HMRC audits and appeals. We provide sensible advice and deal with the HMRC on your behalf so that you can take care of your core business with peace of mind.

We also provide tax advice in simple English, avoiding accounting jargons. Our aim is to help you reduce the tax payable by ensuring you are able to claim all possible tax allowances and structure your business/personal finances tax effectively.