Bookkeeping · North East
Bookkeeping services in Berwick-upon-Tweed
Bookkeeping for Berwick-upon-Tweed sole traders and limited companies who want their numbers right without doing it themselves. We work entirely online, so you pay for the reconciliation and not for premises. Three volume bands cover almost every small business, and the VAT bundle adds quarterly returns for a fixed extra.
from £49/mo · fixed, per month
Next deadlines
- VAT return and payment for the quarter that ended last month
- MTD quarterly update deadline (7 August, 7 November, 7 February, 7 May)
- VAT return and payment for the quarter that ended last month
- VAT return and payment for the quarter that ended last month
Who this is for
Bookkeeping for Berwick-upon-Tweed
Sole traders, partnerships and limited companies in Berwick-upon-Tweed with anything from a dozen to a few hundred bank transactions a month: trades, consultants, online sellers, cafes and shops, landlords with several properties, and anyone approaching the VAT threshold or Making Tax Digital for Income Tax who needs digital records kept properly.
What is included
Everything inside the fixed fee
- Cloud accounting software set up with bank feeds for every business account and card
- Every transaction categorised and reconciled each month, with queries sent to you in one batch
- Receipt and invoice capture by photo or email forwarding, matched to the bank
- Sales invoices, supplier bills and VAT coding kept current and Making Tax Digital-ready
- A monthly position summary: income, costs, cash, what you owe HMRC so far
- Year-end handover to our accounts team or your own accountant with no re-work
How it works
Bookkeeping from Berwick-upon-Tweed, step by step
Scope the job
We find out what you need filed, when it is due and what state the records are in, and tell you which fixed-fee package applies.
Agree the price
The fee is confirmed in writing. There is no hourly billing and nothing added for questions during the work.
Hand over the records
Photographs, PDFs, software access or a spreadsheet, sent however suits you. We confirm what we have and what is missing within two working days.
Approve, then we submit
You review the draft with our explanation, sign off, and we file. Receipts, copies and the next deadlines come back to you immediately.
Why IGI
Why Berwick-upon-Tweed businesses file with IGI
The price for bookkeeping is published on this page and is what a client in Berwick-upon-Tweed pays. We confirm it in writing first, and the invoice matches the quote.
Nothing for Berwick-upon-Tweed is left to the last week. Each deadline relevant to bookkeeping is tracked from the day you join, with the next four shown on every page we send you.
Online only, UK based. There is no office in Berwick-upon-Tweed to pay for, which is why the fee is the same here as anywhere in England; the work is done by people in the UK who answer the same day.
You get one contact for bookkeeping, not a queue. Berwick-upon-Tweed clients message the same person throughout and get an answer in working hours, usually within a few hours.
The output for Berwick-upon-Tweed clients is never just a form. It is the form, a one-page summary of what it says, and a note of the decisions it points to for bookkeeping.
Nothing is filed for Berwick-upon-Tweed until you have reviewed and approved it. You see the draft, you ask questions, you sign off, then we submit and send you the receipt.
Local facts
About Berwick-upon-Tweed
Berwick-upon-Tweed is in North East, in the TD15 postcode district, England. For businesses in England the tax rules are those set by the UK Parliament: the 20/40/45% income tax bands, Class 4 National Insurance for the self-employed at 6% and 2%, Corporation Tax at 19% to 25%, and Stamp Duty Land Tax on property. Business rates are set locally by the council.
| Place | Distance | Direction |
|---|---|---|
| Spittal, Northumberland | 0.9 mi | S |
| Prior Park | 1 mi | SW |
| Tweedmouth | 1 mi | SW |
| East Ord | 1 mi | SW |
| Ord, East | 1 mi | SW |
| Ordhill | 2 mi | SW |
| High Letham | 2 mi | W |
| Letham, High | 2 mi | W |
Worth knowing
Rules that come up in this work
Making Tax Digital for Income Tax
The biggest change to Self Assessment in a generation is Making Tax Digital for Income Tax, now live for higher-earning sole traders and landlords and arriving for the rest in stages. Quarterly updates are due by 7 August, 7 November, 7 February and 7 May, built from digital records. The practical consequence is that spreadsheet-and-shoebox bookkeeping is ending for anyone above the threshold.
Late filing penalties
Penalties are the clearest reason to work to deadlines. A Self Assessment return one day late costs £100 regardless of whether any tax is due; three months late adds £10 a day. Late company accounts start at £150 and reach £1,500, and double if the previous year was also late. None of this is negotiable afterwards except through a narrow reasonable-excuse appeal.
Payments on account
Payments on account catch out most people in their second year of self-employment. HMRC assumes next year's tax will match this year's and collects half in January and half in July, in advance, on top of the balancing payment. If profits are dropping you can apply to reduce them, but reducing them too far attracts interest. We calculate the right figure rather than guessing.
The Self Assessment calendar
Self Assessment runs on a fixed annual cycle. Registration by 5 October following the tax year, online filing and payment by 31 January, and a second instalment on 31 July for those making payments on account. The penalties for lateness are automatic and escalate monthly, which is why we file early and chase approvals well before the window closes.
Director's loan accounts
A director's loan account records money moving between a director and the company that is not salary or dividend. If the director owes the company money nine months and one day after the year end, the company pays section 455 tax at 35.75% of the balance, refundable only when the loan is repaid. Loans over £10,000 are also a benefit in kind unless interest is charged at HMRC's official rate.
Salary versus dividends
Directors of their own companies usually take a salary at or just above the National Insurance thresholds, which keeps the year qualifying for State Pension and is deductible for Corporation Tax, with further income as dividends. Dividends above the £500 allowance are taxed at 10.75%, 35.75% and 39.35% by band and can only be paid from distributable profits after tax, with a minute and voucher each time.
Corporation Tax rates and marginal relief
Corporation Tax is not a flat rate. Profits to £50,000 pay 19%, profits above £250,000 pay 25%, and the band between is taxed at an effective marginal rate of 26.5% through the marginal relief mechanism. Associated companies share the thresholds, which catches directors who own more than one company and is the most common cause of underpaid tax in owner-managed groups.
Questions
Bookkeeping questions from Berwick-upon-Tweed
How quickly are the books up to date?
Bank feeds update daily. We reconcile within five working days of the month end once your receipts are in, so the monthly summary arrives in the first week of the following month. Queries are sent in one message rather than piecemeal.
Can my existing accountant still do the year end?
Yes. Many clients use us for bookkeeping and another firm for accounts. At year end we hand over a reconciled file with the trial balance, bank reconciliations and supporting documents, in whatever format your accountant prefers.
What is the VAT bundle?
Bookkeeping plus quarterly VAT returns for £119 a month, covering up to 150 transactions. Because we already have the coded transactions, the return is prepared and submitted through MTD-compatible software without extra data entry, and you approve it before anything goes to HMRC.
Can you catch up a backlog?
Yes. Backlogs are quoted as a fixed fee based on the number of months and transactions, agreed before we start. Once caught up, the normal monthly band applies. We tell you honestly if the backlog is small enough to do yourself.
How do you handle cash sales and personal spending from the business account?
Cash takings are recorded from your till or daily summary, and personal spending is coded to drawings or the director's loan account so it does not end up as a business expense. We flag patterns that could cause problems, such as a growing director's loan balance.
Will I need this for Making Tax Digital for Income Tax?
If you are a sole trader or landlord with qualifying income over £50,000 you joined MTD for Income Tax in April 2026, and the £30,000 threshold follows in April 2027. It requires digital records and quarterly updates to HMRC. Our bookkeeping service keeps the records in the required form and submits the updates.
Is bookkeeping in Berwick-upon-Tweed really the same price as elsewhere?
Yes. The fee published on this page is what a client in Berwick-upon-Tweed pays and what a client in any other part of England pays. It is confirmed in writing before work starts and the invoice matches the quote. Where a higher package applies because your situation is more complex, we say so at the quote stage, never afterwards.
Do you have an office in Berwick-upon-Tweed?
No. IGI Accounting is an online-only firm. We serve Berwick-upon-Tweed and every other UK postcode remotely, with records sent by WhatsApp or email and everything filed electronically. The absence of local premises is why the fee for bookkeeping is the same in Berwick-upon-Tweed as anywhere else in the country, and why there is nothing to visit and nothing to print.
Fixed fees, filed on time, for Berwick-upon-Tweed
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.