Contractor Accountants · West Midlands
Contractor accountants in Stratford-upon-Avon
Contractor accountants for Stratford-upon-Avon who do not charge for every phone call. The Essential package covers the compliance a contractor company needs; Plus adds VAT and bookkeeping; Complete adds your personal return and a yearly planning call. Everything online, nothing filed until you approve it, and the fee is agreed in writing before you join.
from £75/mo · fixed, per month
Next deadlines
- PAYE and National Insurance for last month paid to HMRC (electronic)
- PAYE and National Insurance for last month paid to HMRC (electronic)
- PAYE and National Insurance for last month paid to HMRC (electronic)
- Online Self Assessment filing deadline and balancing payment due
Who this is for
Contractor Accountants for Stratford-upon-Avon
Contractors and interim professionals in Stratford-upon-Avon working through their own limited company: IT and software contractors, engineers, project managers, interim finance staff, consultants, medical and allied health locums who have incorporated, and permanent employees about to go contracting who need the company set up and the first engagement reviewed.
What is included
Everything inside the fixed fee
- Statutory accounts and Corporation Tax return prepared and filed each year
- Director payroll run monthly with RTI submissions and the salary set at the efficient level
- Dividend vouchers and board minutes for every distribution, with the available reserves checked first
- Quarterly VAT returns and bookkeeping in the Plus and Complete packages
- Director's Self Assessment and an annual planning call in the Complete package
- IR35 status reviews of your contracts and working practices, with a written opinion
How it works
Contractor Accountants from Stratford-upon-Avon, 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 Stratford-upon-Avon
One fixed fee for contractor accountants in Stratford-upon-Avon, 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 Stratford-upon-Avon get reminders at 60, 30 and 7 days before each date that applies to contractor accountants.
No appointments, no travel across West Midlands, no parking. Everything for contractor accountants in Stratford-upon-Avon happens online, with a real person on the other end during UK working hours.
A named person handles your contractor accountants from Stratford-upon-Avon and knows the file, so you are not re-explaining your business to a different helpdesk each time.
The output for Stratford-upon-Avon 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 contractor accountants.
Nothing is filed for Stratford-upon-Avon 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 Stratford-upon-Avon
Stratford-upon-Avon is in West Midlands, in the CV37 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 |
|---|---|---|
| Bridge Town, West Midlands | 0.5 mi | SE |
| Bordon Place | 0.7 mi | SW |
| Shottery | 1 mi | W |
| Bishopton, Stratford on Avon | 1 mi | NW |
| Tiddington | 2 mi | E |
| Upper Milcote | 2 mi | SW |
| Clopton, Lower | 2 mi | N |
| Lower Clopton | 2 mi | N |
Worth knowing
Rules that come up in this work
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
HMRC's penalties for a late Self Assessment return are automatic: £100 the day after 31 January, £10 a day from three months late up to £900, then the greater of £300 or 5% of the tax at six and twelve months. Interest and separate late-payment penalties apply to the tax itself. Companies House charges £150 to £1,500 for late accounts, doubling for a second consecutive year.
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
Four dates govern Self Assessment: 5 October to register, 31 October for paper returns, 31 January to file online and pay, and 31 July for the second payment on account. Missing the January date triggers an automatic £100 penalty before any tax is even considered, so we treat it as the fixed point around which the rest of the year is planned.
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
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.
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
Contractor Accountants questions from Stratford-upon-Avon
Do I need business insurance?
Most client contracts require professional indemnity and public liability cover, and employer's liability is a legal requirement if the company employs anyone other than the director. Insurance is not something we sell, but we tell you what your contracts require and the premiums are deductible for Corporation Tax.
I am about to leave permanent employment to contract. Where do I start?
With the company formation and the first contract review. Our £99 formation-plus-registrations package sets up the company with Corporation Tax and PAYE registered; the IR35 review of your first engagement decides how the income will be taxed. Join the Essential package from the month you start invoicing.
What happens between contracts?
The company continues and so do the filings, but we can reduce the salary and pause dividends. If you expect a long gap we discuss whether to keep the company trading, make it dormant or close it. The monthly fee continues while the company is active because the compliance does, but we review it with you if circumstances change.
Can the company pay into my pension?
Yes, and it is one of the most efficient ways to extract value. Employer pension contributions are deductible for Corporation Tax, free of National Insurance and not taxed on you, up to the £60,000 annual allowance (tapered for very high earners). We include pension planning in the Complete package's annual call.
What do Plus and Complete add?
Plus at £105 adds quarterly VAT returns and monthly bookkeeping from your bank feed, so the records are kept for you. Complete at £125 adds the director's Self Assessment return and an annual tax planning call covering salary, dividends, pension and the year ahead. Most contractors inside VAT choose Plus or Complete.
What is in the £75 Essential package?
Annual statutory accounts and CT600 filed with Companies House and HMRC, monthly director payroll with RTI submissions, dividend vouchers and minutes, the confirmation statement filed (Companies House £50 fee separate), and deadline tracking. It suits contractors outside VAT or who prefer to do their own VAT and bookkeeping.
Is contractor accountants in Stratford-upon-Avon really the same price as elsewhere?
Yes. The fee published on this page is what a client in Stratford-upon-Avon pays and what a client in any other part of England 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 Stratford-upon-Avon?
No. IGI Accounting is an online-only firm. We serve Stratford-upon-Avon 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 contractor accountants is the same in Stratford-upon-Avon as anywhere else in the country, and why there is nothing to visit and nothing to print.
Start the conversation from Stratford-upon-Avon
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.