Small Business Accountants · South East London
Small business accountants in Catford
Small business accounting for established businesses in Catford: the Core package at £65 a month covers accounts, tax and bookkeeping; Complete at £125 adds VAT and payroll for up to five staff; Premium at £185 adds quarterly management accounts. Fixed, published, the same in Catford as in every part of England.
from £65/mo · fixed, per month
Next deadlines
- VAT return and payment for the quarter that ended last month
- PAYE and National Insurance for last month paid to HMRC (electronic)
- VAT return and payment for the quarter that ended last month
- PAYE and National Insurance for last month paid to HMRC (electronic)
Who this is for
Small Business Accountants for Catford
Established owner-managed businesses in Catford with turnover roughly between £50,000 and £1 million: shops and cafes, trades and building firms, agencies and consultancies, workshops and small manufacturers, professional practices, franchisees, and family companies with a handful of staff, trading as sole traders, partnerships or limited companies.
What is included
Everything inside the fixed fee
- Monthly bookkeeping with bank feeds and receipt capture, reconciled and summarised each month
- Annual accounts and Corporation Tax return, or sole trader accounts and Self Assessment, prepared and filed
- Quarterly VAT returns and payroll for up to five staff in the Complete package
- Quarterly management accounts with commentary in the Premium package
- A named contact who knows your business and answers questions without a clock running
- Switching health check: a one-off review of your current setup, refunded if you join
How it works
Small Business Accountants from Catford, step by step
Tell us your situation
A short message or call about what you do and what needs filing. We ask the questions that determine the right package and nothing more.
Fixed fee in writing
You receive one price for the work, confirmed by email before anything starts. It does not change if the job takes longer than we expected.
Send records, review the draft
Records come by WhatsApp or email. We prepare the draft, explain the figures in plain English and answer your questions.
We file, you get the receipts
Once you approve and the fee is settled, we submit electronically and forward the HMRC or Companies House acknowledgement the same day.
Why IGI
What you get in Catford
No hourly rate and no surprise invoice. Catford clients know the fee for small business accountants before they send a single document, and it stays fixed.
We work to the HMRC and Companies House calendar, not an appointment diary. Clients in Catford get reminders at 60, 30 and 7 days before each date that applies to small business accountants.
Online only, UK based. There is no office in Catford 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.
Continuity matters in small business accountants: the person who prepared last year's work for your Catford business prepares this year's, and remembers what was agreed.
Plain English, with the numbers. Every draft for Catford comes with a short explanation of what the figures mean and what, if anything, you should do about them.
You stay in control of small business accountants: drafts go to Catford clients first, with the figures explained, and nothing leaves us until you say so.
Local facts
About Catford
Catford is in South East London, within Lewisham, in the SE6 postcode district, England. Income tax in England follows the UK rates: 20% basic to £50,270, 40% higher to £125,140 and 45% additional, with the personal allowance of £12,570 tapered away above £100,000. National Insurance, VAT and Corporation Tax are UK-wide, and Stamp Duty Land Tax applies to property purchases.
| Place | Distance | Direction |
|---|---|---|
| Rushey Green | 0.1 mi | N |
| Catford Bridge | 0.2 mi | W |
| Catford South | 0.6 mi | SE |
| Hither Green | 0.7 mi | NE |
| Ladywell | 0.8 mi | N |
| Lewisham Central | 0.9 mi | NE |
| Crofton Park, Lewisham | 1.0 mi | NW |
| Bellingham | 1 mi | S |
Worth knowing
Rules that come up in this work
Switching accountants
You can switch accountant at any point in the year. The new firm requests clearance and your records from the old one, which cannot withhold your own documents though it may hold its own working papers until its fees are settled. Agent authorisations with HMRC and Companies House are transferred, and the next deadline is picked up without a gap.
Closing a company
Voluntary strike-off is available only to solvent companies. One that owes money it cannot pay needs a creditors' voluntary liquidation through a licensed insolvency practitioner, and directors who dissolve an insolvent company face personal consequences. For a solvent company the process takes three to four months from filing the DS01, with notice to creditors and shareholders within seven days.
Dormant companies
A dormant company is one with no significant accounting transactions in the year, where the only permitted entries are the payment for shares on incorporation, Companies House fees and penalties. It still files a confirmation statement and simplified dormant accounts every year. A bank charge or an accountant's fee paid from the company ends dormancy and requires full accounts.
The trading and property allowances
The first £1,000 of trading income and, separately, the first £1,000 of property income each year is tax free under the trading and property allowances. Below those figures no return is needed for that income. Above them you can deduct the £1,000 allowance instead of actual expenses if that is better, which suits side businesses and single-room lets with few costs.
Employer National Insurance
Employers pay National Insurance at 15% on each employee's earnings above the £5,000 secondary threshold, following the April 2025 changes. The Employment Allowance offsets up to £10,500 of this for eligible employers, which for a small team often removes the liability entirely, but companies where the director is the only employee do not qualify.
Workplace pensions and auto-enrolment
Auto-enrolment duties begin the day you take on your first employee, not when the Pensions Regulator writes to you. Eligible staff must be enrolled, contributions paid every pay period and re-enrolment carried out every three years. Director-only companies without employment contracts are usually exempt. Fines for non-compliance are fixed and escalating.
Record keeping
Good records are the difference between a quick enquiry and a long one. For the self-employed, five years after the filing deadline; for companies, six years from the year end; for VAT, six years. Photographs of receipts, PDF statements and software exports all count. The requirement is to keep records, not paper, and a well-organised cloud folder satisfies it.
Questions
Small Business Accountants questions from Catford
How does switching from my current accountant work?
You authorise us, we write to your current accountant for professional clearance and your records, and they are obliged to hand over your own documents. Most do within two weeks. We pick up the bookkeeping where they left off and take over the next filing. There is no charge for the switch.
Do you charge for phone calls and questions?
No. The monthly fee covers questions during the year. We would rather you ask before making a decision than pay us to unpick it afterwards. Formal advisory work, such as a tax planning review or a cash-flow forecast, is a separate fixed-fee product and we tell you when something falls into that category.
Can you handle a partnership?
Yes. Partnerships need a partnership tax return showing the profit split and each partner's own Self Assessment. The Core package covers the partnership return and bookkeeping; each partner's personal return is added at the published £129. LLPs follow company-style accounts rules and we handle those too.
What if my transaction volume is higher than the package covers?
We check the volume from your bank statements before quoting and tell you the right band. If the business grows and the volume increases, we review quarterly and adjust from the next month with notice. There is no back-charging for a busy period.
What is in the £65 Core package?
Monthly bookkeeping from your bank feeds with receipts captured by phone, a monthly summary, your annual accounts and tax return (Corporation Tax and CT600 for a company, Self Assessment for a sole trader), the confirmation statement for a company (Companies House £50 fee separate), and deadline tracking with reminders. Transaction volume up to around 150 a month.
When do I need Complete?
When you are VAT registered or employ staff. Complete at £125 adds quarterly VAT returns and payroll for up to five employees including auto-enrolment, so the quarterly and monthly cycles are handled alongside the annual ones. Businesses with more staff or higher transaction volumes are quoted a fixed fee before joining.
Which deadlines matter most for small business accountants?
The next four dates that apply to small business accountants are shown at the top of this page, calculated from today. For Catford clients we diarise every one of them from the day you join and send reminders before each, so the work is done in good time rather than in the last week before a penalty.
How do I get started from Catford?
Message us on WhatsApp or email with a sentence about your business and what you need. We reply in working hours with any questions and a fixed fee for small business accountants. Once you confirm, we tell you exactly which records to send and the work begins. Most Catford clients are set up within a day.
Ready to fix your fee in Catford?
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.