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Monday 8:45am - 5pm Tuesday 8:45am - 5pm Wednesday 8:45am - 5pm Thursday 8:45am - 5pm Friday 8:45am - 5pm

Crossley & Davis Accountants

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Crossley & Davis Accountants

The well established team at Crossley and Davis Accountants in Bolton offer the full range of accountancy, business and tax advice.

We offer a comprehensive range of services, covering accountancy and audit through to taxation, payroll, bookkeeping and business advice. We believe in maintaining a close and regular contact with our clients by guiding them through the accounts and financial aspects of their business in a straightforward manner. Our partners have vast experience in many areas of taxation, finance, accountancy and business advice over a wide range of businesses, from corporate clients and property investors, to individuals and smaller companies.

10/09/2026

The most common reason people don't file in September is a misunderstanding: they think filing early means paying early. It doesn't.
Your payment date is 31 January whatever day you file. Filing now just means you know the number four months in advance instead of four days.
What you get for doing it now:
• The figure, in September — so you can set money aside in instalments instead of in a panic.
• Refunds back sooner — before the January queue forms.
• Cheaper mistakes — errors are far easier to fix while records, receipts and memories are still fresh.
• The option to pay in stages — HMRC's Budget Payment Plan lets you pay towards the bill by direct debit if your affairs are up to date.
• January back — which, for most business owners, is worth something on its own.
We'd genuinely rather do your return in September than in the last week of January — and you'll get more of our attention for it.
Send your records over this month and January becomes a non-event. First conversation's free, as ever.

Crossley & Davis — Accountants & Business Advisors, Bolton. The first conversation is free. crossleyanddavis.net

08/09/2026

If your salary and dividend split hasn't been looked at since last year, it's out of date.
From 6 April 2026 dividend tax went up by two percentage points at the basic and higher rates — 10.75% and 35.75%, with the additional rate at 39.35%. The dividend allowance is still £500. For an owner-managed company, that quietly changes the arithmetic on how you pay yourself.
What actually goes into the decision:
• Salary is a company expense — it reduces taxable profit. Dividends are paid out of profit already taxed.
• Salary builds your NI record — dividends do nothing for your state pension.
• Dividends need distributable profits — not just money in the bank. Get that wrong and it's a director's loan.
• Employer National Insurance is part of the sum — the cost of a salary isn't only the salary.
• Pension contributions are often the quiet winner — employer contributions are usually deductible and sit outside both — worth modelling properly.
There's no universal right answer here. It depends on your profits, your other income, what you need to draw and what you're building towards. This is general guidance rather than advice on your situation — but there is a right answer for your numbers.
Bring us the figures and we'll run both versions side by side, in plain English. First conversation's free.

Crossley & Davis — Accountants & Business Advisors, Bolton. The first conversation is free. crossleyanddavis.net

03/09/2026

There's a Companies House deadline in November, and it has nothing to do with your accounts.
Since 18 November 2025, identity verification has been a legal requirement for company directors, people with significant control and LLP members. Existing directors were given a 12-month transition — usually pegged to your company's next confirmation statement — and that window closes on 17 November 2026. By the middle of this year, barely half of directors had done it.
What's actually involved:
• It applies to you personally — not to the company. Every director and PSC verifies individually.
• It's free and it's quick — you can do it yourself through GOV.UK One Login, or via an authorised agent.
• You get one personal code — and it covers every company you're involved with.
• After the window, enforcement begins — Companies House has said it will restrict filings, issue penalties and, at the far end, pursue disqualification.
This is the sort of job that takes ten minutes and gets postponed for eleven months. If you're a director and you're not certain you've done it, you probably haven't.
Not sure which route applies to you, or whether your co-directors are sorted? Ask us — it's a short conversation, and considerably shorter than the alternative.

Crossley & Davis — Accountants & Business Advisors, Bolton. The first conversation is free. crossleyanddavis.net

01/09/2026

If your VAT quarter ended 31 July, next Monday is the day.
The return and the payment are both due by 7 September. HMRC counts the date the money reaches them, not the date you pressed send — which makes Friday a better plan than Monday, and Monday a much better plan than Tuesday.
Four things people trip over:
• The return and the payment share the deadline — filing on time and paying late still counts as late.
• Direct debit is collected after the due date — usually around three working days later — the one bit of legitimate breathing room.
• Interest runs from day one — and after 15 days a late payment penalty joins it.
• Nothing to pay? Still file — a nil return is still a return, and a missed one still earns a penalty point.
If your records aren't quite where they should be, today is a far better day to say so than Monday afternoon.
Need a hand getting over the line? Message us — we'd rather have the awkward conversation early.
Crossley & Davis — Accountants & Business Advisors, Bolton. The first conversation is free. crossleyanddavis.net

27/08/2026

Hiring your first employee is a milestone. It's also a paperwork event with a deadline attached.
None of it is difficult once you know the order. The expensive mistakes come from doing it in the wrong one — paying someone before you're registered, or discovering your pension duties three months in.
Five things to sort before that first payday:
• Register as an employer with HMRC — do it before payday, not after; it takes a few days to come through.
• Check their right to work — before day one, and keep a record of the check you made.
• Put the terms in writing — a written statement of employment particulars is due on or before their first day, not “when things settle down”.
• Use payroll software that reports each payday — HMRC expects a submission every time you pay someone.
• Set up a workplace pension — auto-enrolment applies from your first eligible employee. It's a duty, not a perk.
Two more worth knowing: the National Living Wage is £12.71 an hour for 21s and over, and if you've been a single-director company, taking on staff can open up the Employment Allowance — up to £10,500 off your employer National Insurance bill.
Thinking about your first hire? Talk to us before you make the offer, not after the first payslip.
Crossley & Davis — Accountants & Business Advisors, Bolton. The first conversation is free. crossleyanddavis.net

25/08/2026

Everyone knows about 31 January. Far fewer know about 5 October.
If something changed for you in the last tax year — you went self-employed, picked up freelance work alongside a job, started letting a property — HMRC needs to be told by 5 October that you have to file a return for 2025/26. Registering isn't the tax return itself. It's the step that lets you file one at all, and it's the step people forget.
Worth knowing:
• It covers the 2025/26 tax year — anything that happened between 6 April 2025 and 5 April 2026.
• Side income counts — once trading income passes £1,000, the trading allowance stops covering you.
• So does rental income — the £1,000 property allowance is a lot smaller than most people's rent.
• It takes longer than you'd think — your UTR comes by post, and HMRC's timescales are not famously brisk.
• Late registration has its own penalty — separate from anything for filing or paying late.
Register in good time and January is admin. Leave it and January is a scramble with a penalty attached.
Not sure whether this applies to you? That's a five-minute conversation, not a project.
Crossley & Davis — Accountants & Business Advisors, Bolton. The first conversation is free. crossleyanddavis.net

18/08/2026

Five weeks, ten posts, three deadlines — and, hopefully, fewer surprises in your tax affairs.
Here's the quiet truth of our profession: almost every tax emergency we're asked to fix was visible months earlier. The clients who pay the least tax — legally and calmly — are simply the ones who plan.

So here's the offer, plainly: bring us your books, your worries or your shoebox of receipts, and we'll tell you where you stand. What's due, what's claimable, and what to change before it matters. The first conversation costs nothing.

You'll find us at 52 Chorley New Road, Bolton. Local, plain-speaking, and rather difficult to shock.

Crossley & Davis — Accountants & Business Advisors. crossleyanddavis.net

13/08/2026

Landlords: “it's just one property” no longer cuts it with HMRC.
Making Tax Digital for Income Tax applies to property income as well as trade. If your combined gross rental and self-employment income is over £50,000, you're in the regime now: digital records, four quarterly updates a year, and a final declaration.
What that means in practice:
– A spreadsheet in a drawer no longer counts as “records”.
– Rent, repairs, insurance, letting fees, mortgage interest — all captured digitally as you go.
– Quarterly deadlines: 7 August, 7 November, 7 February, 7 May.
Set up properly once, it's genuinely less work than the annual January panic. Set up badly, it's the January panic four times a year.
We do the set-up. You collect the rent. Crossley & Davis, Bolton.

11/08/2026

Starting a business is easy. Starting it right saves you money for years.
Five things to get in order before the first invoice goes out:
– Structure — sole trader or limited company changes your tax, your risk and your paperwork.
– Register with HMRC — late registration means penalties nobody needs.
– A separate business bank account — future you will be grateful at tax time.
– Digital records from day one — Making Tax Digital is the rulebook now, not the future.
– Know the VAT threshold — £90,000 of turnover in any rolling 12 months and registration is compulsory. It arrives faster than people expect.
Bolton is full of good ideas becoming businesses. If yours is one of them, come and see us before HMRC does — the first meeting is free, and the coffee is decent.
Crossley & Davis, Bolton.

06/08/2026

Every year we meet new clients who have been quietly overpaying tax — not through error, but through modesty.
The expenses most often left unclaimed:
– Use of home as office — even a modest weekly amount adds up.
– Business mileage — currently 45p per mile for the first 10,000 miles in your own car.
– Pre-trading costs — expenses from before you started can often be claimed.
– Software and subscriptions — the boring monthly ones count.
– Training that maintains or updates existing skills.
– The business share of phone and broadband.
The rule of thumb: if it's wholly and exclusively for the business, it belongs in the accounts — not in a drawer.
Wondering what else you've been leaving on the table? That's a free first conversation with us. Crossley & Davis, Bolton.

Address

52 Chorley New Road
Bolton
BL14AP

Opening Hours

Monday	8:45am - 5pm
Tuesday	8:45am - 5pm
Wednesday	8:45am - 5pm
Thursday	8:45am - 5pm
Friday	8:45am - 5pm

Telephone

+441204381124

Website

http://www.crossleyanddavis.net/

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