Bookkeeping · West Midlands
Bookkeeping services in Severn Stoke
Tidy books are the difference between a cheap year end and an expensive one. We keep the records for Severn Stoke businesses current every month: bank transactions matched, receipts captured by photo, VAT coded correctly, and a short summary of where you stand. The fee is fixed by volume and agreed before we start.
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 Severn Stoke
Sole traders, partnerships and limited companies in Severn Stoke 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 Severn Stoke, 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
The IGI way of working, in Severn Stoke
The price for bookkeeping is published on this page and is what a client in Severn Stoke pays. We confirm it in writing first, and the invoice matches the quote.
Nothing for Severn Stoke 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.
No appointments, no travel across West Midlands, no parking. Everything for bookkeeping in Severn Stoke happens online, with a real person on the other end during UK working hours.
A named person handles your bookkeeping from Severn Stoke and knows the file, so you are not re-explaining your business to a different helpdesk each time.
Plain English, with the numbers. Every draft for Severn Stoke comes with a short explanation of what the figures mean and what, if anything, you should do about them.
Approval before filing is a rule, not a courtesy. For bookkeeping in Severn Stoke, every submission to HMRC or Companies House follows your written go-ahead.
Local facts
About Severn Stoke
Severn Stoke is in West Midlands, 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 |
|---|---|---|
| Sandford, Malvern Hills | 0.6 mi | NW |
| Kinnersley | 0.9 mi | SE |
| High Green, Malvern Hills | 1 mi | E |
| Clifton, Malvern Hills | 1 mi | NW |
| Kerswell Green | 1 mi | N |
| Severn End | 1 mi | SW |
| Rhydd | 1 mi | W |
| Earl's Croome | 2 mi | SE |
Worth knowing
Rules that come up in this work
Payments on account
A common surprise in Self Assessment is the January payment that is far larger than expected. That is the balancing payment for the year just ended plus the first payment on account for the year ahead, which HMRC sets at half of the bill just calculated. We put the figure in your hands months ahead and tell you how to adjust it legitimately when circumstances change.
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
Making Tax Digital for Income Tax began in April 2026 for sole traders and landlords with qualifying income over £50,000, extends to those over £30,000 in April 2027 and is planned for £20,000 in April 2028. It requires digital records in compatible software and four quarterly updates to HMRC each year, with a final declaration replacing the traditional return. Payment dates are unchanged.
Late filing penalties
Penalties are the clearest reason to work to deadlines. A Self Assessment return one day late costs £100 regardless of whether any tax is due; three months late adds £10 a day. Late company accounts start at £150 and reach £1,500, and double if the previous year was also late. None of this is negotiable afterwards except through a narrow reasonable-excuse appeal.
Corporation Tax rates and marginal relief
Companies pay Corporation Tax at 19% on profits up to £50,000 and 25% on profits over £250,000. Between those figures marginal relief applies, producing an effective rate that rises gradually and a marginal rate of 26.5% on each pound in the band. The thresholds are divided by the number of associated companies, so a director with two companies has thresholds of £25,000 and £125,000 for each.
The VAT registration threshold
The £90,000 VAT threshold is measured over any twelve consecutive months, which is why a strong quarter can tip a business over unexpectedly. Registration must follow within thirty days of the end of the month the threshold was crossed. Below the threshold, voluntary registration is worth considering when customers are VAT-registered businesses and costs carry VAT.
Director's loan accounts
The most common tax problem in owner-managed companies is an overdrawn director's loan account: drawings taken during the year that were never declared as dividends or salary. The company faces a 35.75% charge on the balance outstanding nine months after the year end, and the director may have a benefit in kind. We review the account before every year end to clear it properly.
Questions
Bookkeeping questions from Severn Stoke
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.
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.
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 I get started from Severn Stoke?
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 bookkeeping. Once you confirm, we tell you exactly which records to send and the work begins. Most Severn Stoke clients are set up within a day.
Which deadlines matter most for bookkeeping?
The next four dates that apply to bookkeeping are shown at the top of this page, calculated from today. For Severn Stoke 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 Severn Stoke
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.