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Cornish Accounting Solutions

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Cornish Accounting Solutions

Chartered Accountants & Business Advisers
Helping family businesses to grow, thrive and succeed. We are one too so understand the challenges and issues.
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Author of the book - Building a legacy- a guide for family businesses. Comments by Ant Chartered Accountants & Business Specialists

21/07/2026

If your business pays Class 1A National Insurance on benefits like company cars or private medical cover, ideally today's the day it needs to land with HMRC.

Filed your P11D back on the 6th of July and thought that was the job done? It's an easy trap to fall into... the P11D deadline gets all the attention, and the payment that sits behind it quietly slips down the list.

Two different things, two different dates. The P11D tells HMRC what benefits you've provided. The Class 1A payment is what you actually owe on them, and that's due today if you're paying electronically.

If you haven't sorted it yet, a few things worth checking:

- Do you have the figure from your P11D(b) to hand.
- Are you using the right Accounts Office reference, with this year's suffix.
- Is your online banking set up to pay HMRC today rather than tomorrow.

Miss it and HMRC starts charging interest straight away, with penalties building the longer it runs on.

If you need the figure double checked or just want a second pair of eyes before you send the payment, get in touch this morning.

As you know, we'll always offer you straightforward and clear advice from people who know Cornish business.

17/07/2026

16/07/2026

Most family business owners we meet are strong on hard work, but short on clarity in at least one place: their plan, their cash, or their family conversations.

Paul has spent almost 40 years working with businesses across the South West, and over 30 of those running his own family firm here in Bodmin. In that time, the same three gaps keep showing up... a plan nobody's written down, profit and cashflow nobody quite understands, and family conversations about the future that keep getting put off.

Our free 𝗙𝗔𝗠𝗜𝗟𝗬 𝗕𝗨𝗦𝗜𝗡𝗘𝗦𝗦 𝗖𝗟𝗔𝗥𝗜𝗧𝗬 𝗖𝗛𝗘𝗖𝗞 quiz takes 2 minutes.

Answer 9 straightforward questions and you'll get a plain-English snapshot of where you're clear, where you're exposed, and what to focus on next. It's a short report you can read over a coffee.

It's completely free, and your results are ready instantly.

If you run a family business and you're not sure where things really stand, this is a good place to start.

Take the quiz: https://hub.cornishaccounting.com/clarity-check-page

14/07/2026

𝗜𝗳 𝘆𝗼𝘂 𝗼𝘄𝗻 𝗮 𝗵𝗼𝗹𝗶𝗱𝗮𝘆 𝗹𝗲𝘁 𝗶𝗻 𝗖𝗼𝗿𝗻𝘄𝗮𝗹𝗹, 𝘁𝗵𝗲 𝘁𝗮𝘅 𝗿𝘂𝗹𝗲𝘀 𝗰𝗵𝗮𝗻𝗴𝗲𝗱 𝘂𝗻𝗱𝗲𝗿 𝘆𝗼𝘂 𝗯𝗮𝗰𝗸 𝗶𝗻 𝗔𝗽𝗿𝗶𝗹... 𝗮𝗻𝗱 𝘁𝗵𝗶𝘀 𝗶𝘀 𝘁𝗵𝗲 𝗳𝗶𝗿𝘀𝘁 𝘀𝘂𝗺𝗺𝗲𝗿 𝘆𝗼𝘂'𝗿𝗲 𝘁𝗿𝗮𝗱𝗶𝗻𝗴 𝘂𝗻𝗱𝗲𝗿 𝘁𝗵𝗲 𝗻𝗲𝘄 𝗼𝗻𝗲𝘀.

The Furnished Holiday Lettings regime is gone. That means mortgage interest relief is restricted, capital allowances have gone with it, and the automatic trading status you might have relied on for years no longer applies.

For a lot of owners, this won't have sunk in yet. Bookings carry on, the season runs as normal, and the tax position quietly shifts underneath it all.

We're recommending a proper review before year end planning starts: what's changed for your specific setup, what it means for this year's figures, and what to do about it now rather than in January.

A few things worth checking:

How you're claiming mortgage interest this year.
What's happened to any capital allowances you were relying on.
Do the reliefs you're used to still apply to this income.

If you haven't had this conversation with us yet, get in touch. Better to know now, while the season's still running, than find out at tax return time.

www.cornishaccounting.com

08/07/2026

𝟯𝟭𝘀𝘁 𝗼𝗳 𝗝𝘂𝗹𝘆 𝗶𝘀 𝗰𝗿𝗲𝗲𝗽𝗶𝗻𝗴 𝘂𝗽 𝗼𝗻 𝘂𝘀... 𝗮𝗻𝗱 𝗳𝗼𝗿 𝗮 𝗹𝗼𝘁 𝗼𝗳 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗼𝘄𝗻𝗲𝗿𝘀, 𝘁𝗵𝗮𝘁 𝗺𝗲𝗮𝗻𝘀 𝗮 𝘀𝗲𝗰𝗼𝗻𝗱 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝗼𝗻 𝗮𝗰𝗰𝗼𝘂𝗻𝘁 𝗶𝘀 𝗱𝘂𝗲.

The problem is that HMRC works this figure out using last year's profit, not this year's so if trading has been quieter, or costs have crept up, you could be about to hand over more than you actually owe. Not ideal.

We see this a lot with family businesses juggling several things at once... wages, suppliers, a quieter patch of summer trading. Cash going out that doesn't need to isn't something anyone can afford right now.

If your profits are down on last year, you can apply to reduce the payment... but it needs sorting before the deadline, not after it.

Worth checking now:

- Has this year's profit tracked lower than last year's.
- Do you actually know what your July payment is based on.
- Have you had a mid-year conversation with us yet?

If any of those give you pause, get in touch before the end of the month. A short call could save you a meaningful amount of cash at exactly the time you need to hold onto it.

www.cornishaccounting.com
01208 74615

25/06/2026

This week I had a really good conversation with Dean Seddon, author of Get Growing, for Episode 6 of Meet the Author.

Dean's story stuck with me. He's a working-class lad, son of a coal miner, who started his first business, ran out of leads, ran out of clients, and then ran out of money. He says everything he does now is essentially helping his younger self. I always like to think that's one of the best reasons anyone can have for writing a book.

The clip here is a piece I keep coming back to. Dean's advice is to stop relying on referrals as your only source of new business, and to master what he calls the five ones:

☝️ One problem
☝️One audience
☝️One offer
☝️One message
☝️One channel

Master that first then build from there.

In my experience, a lot of small business owners, accountants included, have built everything on referrals and word of mouth. And referrals are great, I'm not saying otherwise. But if that's the only channel you have, you're one quiet quarter away from a real problem, wouldn't you say?

Dean also made a point about social media that I hadn't heard framed quite this way before. When your engagement goes up, it can actually be a sign that your message is getting weaker. Broader appeal, weaker message, lower conversion. It runs counter to what most people assume.

The full episode is here: https://youtu.be/C204qo7d4Xw

24/06/2026

This week, I wanted to talk about something people rarely say out loud about accountants. The assumption seems to be that we've got it all figured out, that running a business comes easily to us because we understand the numbers. I think most people would say the same when they imagine an accountant sitting behind a desk.

After COVID, 3 of my team handed in their notice within a few weeks of each other. 23+years of combined service, gone. I won't pretend I had a plan ready for that one.

What I did have was a framework. I went through each issue methodically, so capacity, workload, automation, client numbers. Once I'd talked it through properly, the solution became clear.

40 years in business means 40 years of curveballs, basically. I've been through redundancies, cashflow crises, difficult clients, difficult staff, difficult markets.
Every single one of those situations has added something to what I can offer the people I work with now.

The idea that accountants are immune to business challenges is just a myth, we face the same things you do. Maybe I've just had a bit more practice at sorting them out?

If you're wrestling with something at the moment and you'd like a fresh pair of eyes on it, please do reach out. I'd love to help if I can.

19/06/2026

We're based in Bodmin, so this one means a lot to us.

The More to Bodmin campaign has officially launched, and it marks the result of a year's worth of work by local partners, businesses and community groups who came together to build something the town genuinely deserves.

The campaign is about celebrating what makes Bodmin worth visiting... and worth staying in. The history, the landscapes, the markets, the creativity, the people. All of it, brought together under one clear identity.

For local businesses, this is a real opportunity. A stronger destination profile means more visitors, longer stays and a wider audience discovering what's already here. The campaign gives businesses a shared platform to get behind, rather than everyone shouting separately.

We work with businesses across Bodmin and the surrounding area every day, and we know how much effort goes into building something here. It's good to see that effort recognised at a town level.

If you run a business in or around Bodmin, take a look at moretobodmin.co.uk and see how you can be part of it.

18/06/2026

Last week I had a brilliant conversation with Kelli Doorne-Millott, author of NEESH for Episode 8 of Meet the Author. Thank you Kelli!

Kelli said something that really stuck with me. She's connected to thousands of accountants, and she gets asked for introductions several times a year. Her point was a simple one: if an accountant can't tell her who they're for, she can't send them the right people.

She gave two examples from her own experience. One introduction was for a multimillion pound multinational needing support with the international side of their business. The other was a very small local business in Milton Keynes, who needed someone reassuring, someone they could pick up the phone to. Two very different needs, two very different accountants.

In my experience, this comes up more than people realise. I've had the same conversation with clients over the years, and the ones who struggle to grow through referrals are often the ones who haven't been clear enough about who they actually want to work with, would you agree?

Kelli's book tackles this head-on. A few things that stood out for me from our chat:

- Unfocused effort compounds chaos. Focus compounds results.
- Referrals work better when your network knows exactly who to send you.
- Niching doesn't have to be permanent. Her 'Focus for Now' framework takes the pressure off.
- The risk of serving everyone is often grater than the risk of narrowing your focus.

Personally, I think any business owner who feels like their marketing isn't getting traction will find this conversation useful.

The full episode is here: https://youtu.be/6Y5zRzJcbLw

What's stopping you from being clearer about who you want to work with?

17/06/2026

Just a reminder that tomorrow I'm hosting a free webinar for trades business owners, and there are still spaces if you'd like to join us.

A busy business and a profitable business are not always the same thing. I speak to a lot of tradespeople who are fully booked but still find themselves waiting on payments, unsure where the money has gone, or struggling to plan ahead. It's a very common situation, and it's one that tends to get worse before it gets better if it's left alone, wouldn't you say?

In this session I'll be sharing some practical approaches to spotting where cash is leaking out of your business, getting better visibility over your finances, and making more confident decisions without just chasing more work.

It's aimed at builders, electricians, plumbers, roofers, painters, and anyone running a trades business who wants a clearer picture of where they stand.

It's free, it's practical, and you'll come away with ideas you can use straight away. I'd love to see you there.

Register through the link in the comments and I'll see you tomorrow.

Address

79 Higher Bore Street
Bodmin
PL311JT

Opening Hours

Monday	9am - 5:15pm
Tuesday	9am - 5:15pm
Wednesday	9am - 5:15pm
Thursday	9am - 5:15pm
Friday	9am - 5:15pm

Telephone

01208 74615

Website

http://www.cornishaccounting.com/

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