Startup Accountants · Scotland
Startup accountants in Dumfries
Founders in Dumfries have better things to do than learn Corporation Tax. We take the compliance off the table from the start: company formed properly, registrations done, books set up in software that will scale, and the first-year deadlines tracked so nothing is missed while you build. Monthly fixed fee, cancel with a month's notice.
from £59/mo · fixed, per month
Next deadlines
- VAT return and payment for the quarter that ended last month
- VAT return and payment for the quarter that ended last month
- VAT return and payment for the quarter that ended last month
- Confirmation statement due within 14 days of your review date, at least once every 12 months
Who this is for
Startup Accountants for Dumfries
New and early-stage companies in Dumfries: founders incorporating for the first time, technology and product startups preparing to raise seed investment, service businesses moving from side project to full time, two or three co-founders who need the equity and payroll structured properly, and companies in their first two years who set up alone and want it done properly now.
What is included
Everything inside the fixed fee
- Company formation and HMRC registrations in the Launch package, or a review of what has already been set up
- Cloud bookkeeping configured for a growing business, with bank feeds and expense capture from day one
- Annual accounts and Corporation Tax return, with first-period and long-period rules handled
- VAT registration timing advised and quarterly returns run in the Grow and Scale packages
- Payroll for founders and first hires, with auto-enrolment, in the Scale package
- SEIS and EIS advance assurance applications prepared for founders raising investment
How it works
Startup Accountants from Dumfries, 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 Dumfries businesses file with IGI
The price for startup accountants is published on this page and is what a client in Dumfries pays. We confirm it in writing first, and the invoice matches the quote.
Nothing for Dumfries is left to the last week. Each deadline relevant to startup accountants is tracked from the day you join, with the next four shown on every page we send you.
No appointments, no travel across Scotland, no parking. Everything for startup accountants in Dumfries happens online, with a real person on the other end during UK working hours.
A named person handles your startup accountants from Dumfries and knows the file, so you are not re-explaining your business to a different helpdesk each time.
The output for Dumfries 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 startup accountants.
Nothing is filed for Dumfries 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 Dumfries
Dumfries is in Scotland, in the DG1 postcode district, Scotland. Tax in Scotland differs from the rest of the UK on earned income: six bands with a 21% intermediate rate and a 48% top rate, identified by an S prefix on the tax code. The interaction between Scottish rates on salary and UK rates on dividends makes the salary-and-dividend split for Scottish directors a distinct calculation, and Land and Buildings Transaction Tax replaces Stamp Duty.
| Place | Distance | Direction |
|---|---|---|
| Troqueer | 0.4 mi | S |
| Nithside | 0.4 mi | NW |
| Laurieknowe | 0.5 mi | W |
| Summerville | 0.6 mi | NW |
| Larchfield | 0.6 mi | E |
| Maxwelltown | 0.6 mi | SW |
| Marchmount | 0.7 mi | NE |
| Milldamhead | 0.7 mi | E |
Worth knowing
Rules that come up in this work
Salary versus dividends
Paying yourself from a company involves two routes with different tax treatment. Salary through payroll is a company expense and builds a National Insurance record; dividends come from post-tax profit at lower personal rates. Undocumented drawings that are neither become director's loans, with a 35.75% section 455 charge if not repaid within nine months of the year end.
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.
Making Tax Digital for Income Tax
MTD for Income Tax replaces one annual return with quarterly digital updates and a year-end declaration, submitted from software. The threshold is gross trading and property income, measured two years earlier, and started at £50,000 in April 2026 before falling to £30,000 in April 2027. Anyone affected needs digital record keeping in place before their start date, not after.
Late filing penalties
Lateness is expensive in a way that compounds. For individuals, £100 immediately, then daily penalties, then percentage-based ones at six and twelve months, with interest running on unpaid tax throughout. For companies, Companies House penalties scale with delay and double on repeat, and HMRC adds its own for a late CT600. Filing on time is the cheapest tax planning there is.
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.
Questions
Startup Accountants questions from Dumfries
What if the startup fails?
Then the company needs to be closed properly: final accounts, final CT600, deregistration from VAT and PAYE, and a strike-off application or, if there are debts it cannot pay, a formal insolvency process. Our strike-off service with final accounts is from £349. SEIS investors can claim loss relief, which softens their outcome.
Can I switch to you from another accountant mid-year?
Yes. We request your records and professional clearance from the previous firm, pick up the bookkeeping where they left off and take over the filings. There is no charge for the switch and the first month's fee is the same as any other.
How should co-founders be paid?
Early on, often not at all, with equity as the reward. Once the company can afford it, a modest salary through payroll keeps National Insurance records intact and is deductible. Dividends require distributable profits, which loss-making startups do not have. Director's loans are a trap. We set the structure to suit the cash position.
Should I register for VAT before I have to?
If your customers are VAT-registered businesses, early voluntary registration lets you reclaim VAT on setup costs with no real cost to customers. If you sell to consumers, registration adds 20% to your price or cuts your margin, so waiting until the £90,000 threshold is usually better. We model it for your business.
When do I need Grow or Scale?
Grow at £99 adds monthly bookkeeping and quarterly VAT returns, and suits most startups once transactions and VAT registration arrive. Scale at £149 adds payroll for founders and first hires with auto-enrolment, plus quarterly management accounts for the board or investors. You can move between packages at any month end.
What does the £59 Launch package include?
Company formation with the Companies House £100 fee passed on separately, Corporation Tax and PAYE registration, a registered office if you want one, cloud software set up, the first confirmation statement and the first set of accounts and CT600 filed. It is for founders who will keep their own books in the early months.
How do I get started from Dumfries?
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 startup accountants. Once you confirm, we tell you exactly which records to send and the work begins. Most Dumfries clients are set up within a day.
Which deadlines matter most for startup accountants?
The next four dates that apply to startup accountants are shown at the top of this page, calculated from today. For Dumfries 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.
Start the conversation from Dumfries
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.