Small Business Accountants · West Midlands
Small business accountants in Rugeley
Small business accounting for established businesses in Rugeley: 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 Rugeley 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 Rugeley
Established owner-managed businesses in Rugeley 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 Rugeley, 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
Why Rugeley businesses file with IGI
One fixed fee for small business accountants in Rugeley, agreed in writing before any work starts and never changed part-way through the job, however long it takes us.
Nothing for Rugeley is left to the last week. Each deadline relevant to small business accountants is tracked from the day you join, with the next four shown on every page we send you.
We serve Rugeley 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 small business accountants.
A named person handles your small business accountants from Rugeley and knows the file, so you are not re-explaining your business to a different helpdesk each time.
The output for Rugeley 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 small business accountants.
Approval before filing is a rule, not a courtesy. For small business accountants in Rugeley, every submission to HMRC or Companies House follows your written go-ahead.
Local facts
About Rugeley
Rugeley is in West Midlands, in the WS15 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 |
|---|---|---|
| Horse Fair | 0.1 mi | S |
| Marlpits, West Midlands | 0.4 mi | S |
| Mossley, Cannock Chase | 0.4 mi | SE |
| Hagley Park | 0.4 mi | W |
| Ravenhill | 0.7 mi | SE |
| Glover's Hill | 0.9 mi | SE |
| Slitting Mill | 1.0 mi | SW |
| Etchinghill, West Midlands | 1 mi | W |
Worth knowing
Rules that come up in this work
Switching accountants
The main reasons people switch accountant are surprise invoices, missed deadlines and not understanding what they are being told. Switching involves a clearance letter between the firms, a transfer of records and agent authorisations, and a short handover of the current position. It takes about two weeks and should cost nothing extra.
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.
Record keeping
Record keeping is a legal obligation with a penalty of up to £3,000 for failure, but its real value is in making every other filing cheaper and more defensible. Keep invoices, receipts, bank statements, mileage logs and any HMRC correspondence, digitally if you like, for five years after the relevant filing deadline for individuals and six years for companies and VAT.
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.
Crypto records and reporting
HMRC treats cryptoassets as property. Swapping one token for another, spending crypto or gifting it are all disposals for Capital Gains Tax, and staking and lending rewards are income. Gains are computed under pooling rules with same-day and 30-day matching. From 2026 HMRC receives data from exchanges worldwide under the Cryptoasset Reporting Framework, so unreported activity is increasingly visible.
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.
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.
Questions
Small Business Accountants questions from Rugeley
Do I pay extra at year end?
No. The annual accounts and tax return are included in the monthly fee. The only additional costs are Companies House fees passed on at cost, your software subscription billed directly to you, and any separate advisory product you choose to buy.
Can my staff's payroll be weekly?
Yes. The Complete package covers payroll for up to five employees at any frequency, weekly, fortnightly or monthly, with payslips, RTI submissions, pension contributions and the monthly payment note to HMRC. Starters, leavers and statutory payments are included.
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.
What do management accounts add?
The Premium package at £185 delivers quarterly profit and loss, balance sheet and a written commentary on what moved and why, with the KPIs agreed for your business. It turns the bookkeeping into decision-making information rather than a filing input. Monthly management accounts are available through our advisory service.
What is the switching health check?
For £99 we review your current accounts, tax returns, VAT position, payroll setup and software, and give you a written report of what is right, what is wrong and what it is costing you. If you then join a package the £99 is refunded in your first month. If you do not, you keep the report.
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 Rugeley 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 Rugeley?
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 Rugeley clients are set up within a day.
Ready to fix your fee in Rugeley?
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.