Crypto Tax · West Midlands
Crypto tax returns in Ludlow
HMRC receives data from UK exchanges and from 2026 under the Cryptoasset Reporting Framework from overseas ones too, and is writing to people in Ludlow whose returns do not match. We produce the report that puts you in the right position: every disposal, every pooled cost, every bit of staking income, with the gains and losses reconciled. Fixed fee, online.
from £199 · fixed, per report
Next deadlines
- Online Self Assessment filing deadline and balancing payment due
- Tax year ends: last day for pension, ISA and dividend timing decisions
- Second payment on account due
- Register for Self Assessment if you started self-employment or new untaxed income in the last tax year
Who this is for
Crypto Tax for Ludlow
Individuals in Ludlow who hold or have held cryptoassets: long-term investors with a few disposals, active traders with thousands of swaps across several exchanges, people earning staking or lending yield, NFT buyers and sellers, those who received airdrops or forks, anyone who has had an HMRC nudge letter, and people with losses from collapsed exchanges or rug-pulled tokens to claim.
What is included
Everything inside the fixed fee
- Transaction history imported from exchanges and wallets, with transfers between your own wallets matched and excluded
- Capital gains computed under HMRC's section 104 pooling, same-day and 30-day rules for every token
- Staking, mining, airdrop, lending and DeFi income identified and reported as miscellaneous or trading income
- Losses calculated and claimed, including negligible value claims for worthless or lost tokens
- A report you can keep: disposals, proceeds, allowable costs, gains, losses and the pool position for each asset
- Self Assessment capital gains pages and income pages completed and filed in the £279 package
How it works
Crypto Tax from Ludlow, 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
What you get in Ludlow
One fixed fee for crypto tax in Ludlow, agreed in writing before any work starts and never changed part-way through the job, however long it takes us.
We work to the HMRC and Companies House calendar, not an appointment diary. Clients in Ludlow get reminders at 60, 30 and 7 days before each date that applies to crypto tax.
We serve Ludlow remotely by design: records by WhatsApp or email, drafts back for approval, filing electronic. The saving on premises is passed to you in the fee for crypto tax.
Continuity matters in crypto tax: the person who prepared last year's work for your Ludlow business prepares this year's, and remembers what was agreed.
We explain crypto tax in the words Ludlow business owners use, not in accountant's shorthand, and we show our working so you can check it.
You stay in control of crypto tax: drafts go to Ludlow clients first, with the figures explained, and nothing leaves us until you say so.
Local facts
About Ludlow
Ludlow is in West Midlands, in the SY8 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 |
|---|---|---|
| Galdeford, Upper | 0.2 mi | E |
| Upper Galdeford | 0.2 mi | E |
| Galdeford, Lower | 0.2 mi | E |
| Lower Galdeford | 0.2 mi | E |
| Dinham, Shropshire | 0.3 mi | SW |
| Whitcliffe | 0.4 mi | SW |
| Sandpits | 0.6 mi | NE |
| Fishmore | 0.6 mi | N |
Worth knowing
Rules that come up in this work
Workplace pensions and auto-enrolment
Every employer must assess its workers for automatic enrolment from the first employee's start date. Those aged 22 to State Pension age earning over £10,000 a year must be enrolled into a qualifying pension with minimum contributions of 8% of qualifying earnings, at least 3% from the employer, and a declaration of compliance made to the Pensions Regulator within five months.
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.
The trading and property allowances
Small side incomes are covered by two £1,000 allowances, one for trading and one for property, which remove the need to register or report income below that level. Once income exceeds £1,000, the allowance can be used in place of expenses, a choice worth making deliberately: a freelancer with £900 of costs is better off with the allowance, one with £3,000 is not.
Dormant companies
Companies formed to protect a name or hold a future business are dormant but not exempt: Companies House still expects dormant accounts within nine months of the year end and a confirmation statement annually with its £50 fee, and HMRC must be told the company is dormant or it will demand Corporation Tax returns. The filings are short, but the penalties for missing them are the same as for a trading company.
The 60-day property CGT return
Selling UK residential property that was not your main home for the whole period of ownership triggers a separate Capital Gains Tax return, due within 60 days of completion along with payment of the tax. This is in addition to the annual Self Assessment. The gain is taxed at 18% or 24% depending on your income band, after the £3,000 annual exempt amount.
Crypto records and reporting
Most crypto holders have taxable events they do not recognise, because every swap is a disposal even when no pounds change hands. The computation requires the complete transaction history from every exchange and wallet, pooled by asset with HMRC's matching rules applied. Exchange-generated tax reports are frequently wrong because they cannot see transfers between a user's own wallets.
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
Crypto Tax questions from Ludlow
What if I am a trader rather than an investor?
HMRC rarely accepts that an individual is trading in crypto; the bar is very high and the badges of trade must be met. If you are trading, profits are income and losses are trading losses. For almost everyone the capital gains treatment applies, and we tell you plainly which side of the line you are on.
How far back do I need to go?
The pool cost of what you hold today depends on every purchase you have ever made, so the computation must start from your first transaction even if you only need to report recent years. If earlier years were under-reported, we quantify the position and advise on disclosure, which HMRC treats far more leniently than discovery.
Is staking income a capital gain?
No. Rewards from staking, lending, liquidity provision and most DeFi protocols are income when received, taxed at your income tax rate on the sterling value that day, and reported as miscellaneous income unless your activity amounts to a trade. The tokens then enter your pool at that value for a later capital gain or loss.
What are the Capital Gains Tax rates and allowance?
The annual exempt amount is £3,000 for 2026/27. Gains above it are taxed at 18% within your basic rate band and 24% above it. Losses in the year are set against gains automatically, and unused losses can be carried forward indefinitely if claimed on a return within four years.
How are gains calculated with so many purchases at different prices?
HMRC requires pooling: all units of the same token form one section 104 pool with an average cost, except that disposals are first matched against purchases on the same day and then against purchases within the following 30 days. We apply these rules across your entire history, which is impossible to do accurately by hand at any volume.
Do I pay tax if I never cashed out to pounds?
Usually yes. Swapping one cryptoasset for another, spending crypto on goods or services, and gifting it to anyone other than a spouse are all disposals for Capital Gains Tax, valued in sterling at the time. Only moving coins between your own wallets is not a disposal. Most people's taxable events are swaps, not sales for cash.
How do I get started from Ludlow?
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 crypto tax. Once you confirm, we tell you exactly which records to send and the work begins. Most Ludlow clients are set up within a day.
Which deadlines matter most for crypto tax?
The next four dates that apply to crypto tax are shown at the top of this page, calculated from today. For Ludlow 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 Ludlow
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.