Frequently Asked Questions

You need to file if you're self-employed, have income over £100,000, receive income from property, have untaxed savings or dividend income above the allowance, or if HMRC has sent you a notice to file. If you're not sure, contact me with a brief description of your situation — I'll tell you within 24 hours.

It depends on your situation. At minimum: a photo ID, proof of address, and your National Insurance number. For PAYE income, your P60. For self-employment, a summary of income and expense records. For rental income, details of rent received and allowable costs. I'll give you a specific list once we've agreed which package you need.

For annual returns: typically 3–7 working days from receipt of all documents, unless there's a complication. For monthly packages: I work to a fixed monthly schedule. I'll give you an estimated completion date when we start.

Yes. Once you authorise me as your agent through HMRC's online system, I can correspond with HMRC directly, check your tax account, and respond to enquiries on your behalf. You won't need to call them.

Yes. Late or first-time filing is something I handle regularly. There may be penalties depending on how late the return is, but filing now is always better than continuing not to. I'll tell you what to expect before we start.

Absolutely. The process is straightforward — you notify your previous accountant, request your records, and I take things from there. I'll guide you through the handover. A letter of disengagement from your previous accountant is helpful but not always essential.

Yes. All my services are provided remotely — documents are exchanged by email, everything is signed electronically, and communication is by email or phone. I have clients across the UK.

Tak, oczywiście. Mówię po polsku i chętnie przeprowadzę rozmowę, wymianę maili lub wyjaśnienia w języku polskim, jeśli tak jest wygodniej.

Yes. I'm a fluent Polish speaker and happy to communicate entirely in Polish if you prefer.

Yes, if your company qualifies as a micro entity: turnover under £632,000, balance sheet under £316,000, and fewer than 10 employees. This covers the vast majority of owner-managed limited companies in the UK. I handle all the annual compliance — Companies House, Corporation Tax, and your personal Self Assessment as a director.

As a sole trader, your business income is your personal income and you pay Income Tax and National Insurance on it. As a limited company director, the company pays Corporation Tax on its profits (currently 19–25%), and you take a combination of salary and dividends — which can be more tax-efficient above a certain income level. Whether incorporating makes sense depends on your numbers. If you're considering it, get in touch and I'll give you a straightforward comparison.

Every year, your limited company must file two things with Companies House: annual accounts (a financial summary of the year) and a confirmation statement (confirming that your company's registered details are correct). There are also deadlines for notifying Companies House of any changes — new directors, new shareholders, change of address. I handle all of this as part of the Ltd packages.

Yes, in most cases. If you receive a salary above the personal allowance, any dividends, or other income outside PAYE, you're required to file a personal Self Assessment even though your company has its own tax return. Both are included in the Ltd packages — you don't need to arrange them separately.

At minimum: bank statements, sales invoices, purchase receipts, payroll records (if you have employees), and any expense claims. For the annual accounts service, you provide organised records and I prepare the accounts from them. If you add the Monthly Bookkeeping & MTD retainer, I handle the categorisation for you each month.

Yes, I am registered with HMRC and hold an agent code, which means I can act formally on behalf of my clients in dealings with HMRC — both for personal Self Assessment and for Corporation Tax. I'm also registered under the Money Laundering Regulations, as required.

The fee covers everything described in the package. If something falls outside scope — for example, if HMRC opens a formal enquiry, or you need payroll for more than 2 employees — I'll discuss it with you and agree any additional cost before proceeding. There are no surprise invoices.

Your personal and financial data is handled in accordance with UK GDPR and the Data Protection Act 2018. I use password-protected, encrypted storage and do not share your data with any third party except HMRC and Companies House (as required) and any cloud software used under a data processing agreement. You'll receive a full Privacy Notice when we start working together.