Bookkeeping · Wales
Bookkeeping services in Cumber's Bank
Bookkeeping for Cumber's Bank 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 Cumber's Bank
Sole traders, partnerships and limited companies in Cumber's Bank 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 Cumber's Bank, 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 Cumber's Bank businesses file with IGI
The price for bookkeeping is published on this page and is what a client in Cumber's Bank pays. We confirm it in writing first, and the invoice matches the quote.
Nothing for Cumber's Bank 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 Cumber's Bank to pay for, which is why the fee is the same here as anywhere in Wales; the work is done by people in the UK who answer the same day.
You get one contact for bookkeeping, not a queue. Cumber's Bank clients message the same person throughout and get an answer in working hours, usually within a few hours.
The output for Cumber's Bank 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 Cumber's Bank 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 Cumber's Bank
Cumber's Bank is in Wales, Wales. Businesses in Wales file with the same HMRC and Companies House as England, and for now the Welsh rates of income tax equal the English ones, though the Senedd can vary them. The practical differences are Land Transaction Tax on property and Welsh-specific business support schemes, and company names and documents may be in Welsh.
| Place | Distance | Direction |
|---|---|---|
| Hanmer | 0.6 mi | E |
| Lydan, Street | 0.9 mi | W |
| Street Lydan | 0.9 mi | W |
| Arowry | 0.9 mi | E |
| Arowry, Little | 1 mi | NE |
| Little Arowry | 1 mi | NE |
| Horseman's Green | 1 mi | N |
| Hampton Wood | 1 mi | SW |
Worth knowing
Rules that come up in this work
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.
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.
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.
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.
Workplace pensions and auto-enrolment
Workplace pension compliance is part of payroll, not separate from it. Each pay period the payroll assesses who is eligible, calculates employer and employee contributions on qualifying earnings between the lower and upper thresholds, and sends the contribution file to the scheme. The minimum total is 8%, and many employers choose to contribute more as a recruitment advantage.
Employer National Insurance
The cost of an employee is more than the salary. Employer National Insurance at 15% above £5,000 a year, the 3% minimum pension contribution, holiday pay, equipment and management time all come on top. The Employment Allowance of £10,500 reduces the National Insurance for most employers with more than one person on the payroll.
Allowable expenses
An expense is allowable against trading profit if it is incurred wholly and exclusively for the business. Materials, business travel other than ordinary commuting, a proportion of home running costs, software, insurance, professional fees, bank charges and protective clothing qualify. Client entertainment, ordinary clothing, fines and the private share of mixed-use costs do not.
Questions
Bookkeeping questions from Cumber's Bank
What if my volume changes?
We review the transaction count each quarter. If you move into a higher or lower band we tell you before the next invoice and adjust from the following month. There is no penalty for moving down and no back-charging for a busy month.
Do you do bookkeeping for landlords?
Yes. Rental income, agent statements, mortgage interest, repairs and the split between revenue and capital costs are all coded correctly for the property pages of your return. Portfolio landlords usually sit in the £49 or £89 band, and MTD for Income Tax applies to rental income as it does to trading income.
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 Cumber's Bank really the same price as elsewhere?
Yes. The fee published on this page is what a client in Cumber's Bank pays and what a client in any other part of Wales 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 Cumber's Bank?
No. IGI Accounting is an online-only firm. We serve Cumber's Bank 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 Cumber's Bank as anywhere else in the country, and why there is nothing to visit and nothing to print.
Start the conversation from Cumber's Bank
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.