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ACG Accounting Services

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ACG Accounting Services

We are a local Accountancy firm based in Perthshire. Please visit our web site for our full range of

An Accountancy business based in Perthshire and focused on our values which in turn allow us to work as part of your team to help you meet your personal and business goals.

22/07/2026

Debt isn’t necessarily negative. Let’s face it, it can help your business to grow, ease cash flow where large orders are concerned, and help out with seasonal dips.

It becomes negative when costs rise, or deadlines slip.

We suggest that building ‘good’ habits makes for better and safer borrowing.

Here are our top 6 to support a strong, debt control routine.⬇️⬇️

1️⃣ Check your prices and profit margins often; don't just set them once and forget them.

2️⃣ Get paid quickly. Keep your payment terms short as a rule, not the exception.

3️⃣ Don't rely on just one supplier for anything important. If they let you down, you want a backup.

4️⃣ Keep less stock sitting around. The more you've got on the shelf, the more cash is stuck there instead of in your bank account.

5️⃣ If you've got customers who owe you a lot of money, look into insurance that covers you if they don't pay.

6️⃣ Once a month, sit down and go through the money picture properly. Who owes you and hasn't paid, what you owe overall, whether you're keeping to any loan conditions, and whether your forecasts are actually turning out to be accurate.

If you need to get on top of your business debt we can help you to review and stabilise your cash flow and build a strong debt control routine.

Send us a message or call: ☎️ 01250 398004
,
Team ACG 👏

20/07/2026

The end of July is in sight!

3 key tax payments for you to be aware of all due on 31 July⬇️

✅Deadline to make your second Self Assessment payment on account.

✅Deadline for companies with a July 31, 2025, year-end to file Corporation Tax returns.

✅Deadline for filing accounts with Companies House for accounting periods that ended on October 31, 2025.

Team ACG 👏

18/07/2026

Max (and the Bossman) are enjoying a weekend away.

Here’s what Max thinks of the activities so far 😁

“Apparently we are meant to be birdwatching! But I’m keeping my eyes on the man with the snacks!!”😂😂

Happy Weekend 👏👏

15/07/2026

If you're self-employed or a landlord and are now using Making Tax Digital (MTD) for Income Tax, don't forget that your first quarterly update for the 2026/27 tax year is due by 7 August 2026.

The deadline will come around quickly, so now is the time to make sure your records are complete and up to date.

⏰If we look after your bookkeeping or submit your MTD updates, please send us your records in plenty of time. Waiting until the last minute increases the risk of delays, errors, and unnecessary stress.

Not sure whether MTD applies to you, or unsure what information you need to provide? We're here to help.

Get in touch today, and let's make sure you're ready before the deadline.

☎️ 01250 398004

Team ACG 😊

13/07/2026

Getting a new customer is hard work. Getting an existing one to come back? ⬇️⬇️

Much easier, and more rewarding for your bottom line.

A January 2026 analysis found that 59% of consumers are more likely to join a loyalty programme this year than they were 12 months ago.

For small businesses going up against the big chains, that's a genuine opening.

72% of consumers say a loyalty programme makes them more likely to spend with a brand they already like, and 56% say it's actually increased how much they spend overall.

The good news?⬇️⬇️

You don't need anything clever to make this work. The best loyalty programmes are simple, easy to explain in one sentence, and built around getting customers to come back.

A few ideas worth trying or adapting for your business:

✅ Stamp cards, buy 9 get the 10th free, perfect for cafés, eateries and bakeries
✅Points-based rewards for retail and salons with varied basket sizes
✅Birthday and milestone perks that build a real emotional connection
✅Referral rewards that turn happy regulars into your best marketing

If you operate a customer loyalty programme in your business, and we know that some of our clients do, we’d like to hear more about it in the comments below ⬇️

Team ACG 👏👏

10/07/2026

😊😊It’s been another busy week for the Bossman, attending Xerocon, the Xero Conference down in London.

We’re leaving you with a screenshot of a slide he took during a presentation: THE CLOSER THE RELATIONSHIP, THE BETTER THE OUTCOME.

➡️As an accountant, we’re here to be part of your team. Not to put in an appearance once a year for your tax return. We encourage you to discuss things with them, run ideas past us and, and use us as a sounding board for thoughts and ideas.

And…⬇️⬇️

If you’ve not heard about Xero, they’re a global cloud-based accounting software platform designed for small and medium-sized businesses, freelancers, and their accountants. It offers tools to manage cash flow, track expenses, automate bank reconciliation, process payroll, and create customizable invoices.

☁️So, if you haven’t moved over to cloud-based accounting yet, consider Zero. The Bossman considers them one of the very best.

On that note, we wish you all a relaxing weekend and see you next week.

Team ACG👏

08/07/2026

Support your local!👏

A shout-out to hospitality businesses - we’ve been reading about the campaign headed up by the chef Tom Kerridge.

⬇️ Not sure what it is? Read on ⬇️

Hospitality is at the heart of communities and fundamental in supporting the tourism industry. Pubs, restaurants, cafes, hotels, nightclubs…bring people together.

The majority of European countries know how important hospitality is to society, and they know it pays too much tax. That’s why they support it with lower VAT rates.

The UK has one of the highest VAT rates in Europe. 20% extra VAT on your meal out, or stay away. In France, Spain and Italy, it's 10%. In Germany? 7%.

🔥The campaign aims to get a million signatures in support of a 10% VAT cut for hospitality.🔥

Here’s the link to the website to sign up ⬇️

https://www.vatstheproblem.co.uk/

Team ACG 🔥🔥

06/07/2026

Unfortunately, in our experience, a payroll error rarely stays contained to payroll.😩

Here’s a quick look at the direct financial consequences.⬇️⬇️

✅HMRC penalties for payroll errors start at £100 per month for late submissions, but serious inaccuracies trigger far worse.

✅Incorrect tax calculations mean you're either underpaying (facing penalties plus interest) or overpaying (losing cash flow while waiting months for refunds).

✅Pension auto-enrolment errors carry their own penalty regime. The Pensions Regulator doesn't mess about; escalating fines start at £400 and can reach £10,000 per day for serious breaches.

✅One small business faced £28,000 in penalties because they'd been calculating qualifying earnings incorrectly for eighteen months.

But payroll mistakes cost more than just money. There’s the impact on your reputation and employee relations to consider

When payroll gets complicated - handling different worker types and more, ACG are here as part of your trusted team to discuss things with and use them as a sounding board.

It’s our job to spot the small things before they become expensive.

➡️Want your Payroll to run efficiently without fear of HMRC penalties or a damaged reputation?

➡️➡️Here at ACG, our aim is to be part of your team.

We're here for you to discuss things with us, run ideas past us, and use us as a sounding board.

Send us a dm or give us a call ☎️ 01250 398004

Team ACG 👏😊

Address

Blairgowrie

Opening Hours

Monday	9am - 4:30pm
Tuesday	9am - 4:30pm
Wednesday	9am - 4:30pm
Thursday	9am - 4:30pm
Friday	9am - 12pm

Website

https://www.acgaccountingservices.co.uk/

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