Alchami Accounting, Suit 1, Top Floor, 150 Manningham Lane, Bradford (2026)

02/06/2026

📱 Is your local bank branch disappearing?

The way we bank has changed, but for many small businesses, the loss of high-street branches is more than just an inconvenience, it’s a real headache for cash management, security, and daily operations. 🏦💨

The government has officially launched an independent review into access to face-to-face banking services.

Led by Richard Lloyd, this review is looking into the real-world impact of branch closures and will help determine if new, stronger measures are needed to keep banking services accessible across the UK.

Why this matters for your business:

If your firm relies on local cash handling, deposit services, or in-person support, these closures often mean:

- Increased admin time.
- Security concerns when transporting cash.
- Longer travel times to find the nearest facility.

The review is set to report its findings by October 2026, which will inform potential new government powers to protect essential banking services.

At Alchami Accounting Ltd, we understand that behind every business is a need for reliable financial infrastructure. We’re keeping a close eye on this review and its potential impact on our local business community.

Do you still rely on your local branch, or have you fully moved to digital?

Let us know your thoughts in the comments below! 👇

02/06/2026

📢 Important Update for UK Business Owners! 📢

Companies House has just released its Business Plan for 2026-27, and it’s clear that reforms are moving into high gear.

If you’re a director or run a business, here is what you need to know:

🔍 Focus on Accuracy:

There is a major push to improve the quality of data on the register.

Expect more automated checks and proactive removal of inaccurate information.

⚖️ Tackling Economic Crime:

Companies House is intensifying its collaboration with law enforcement, sharing more data, and taking targeted enforcement action against those abusing the system.

👤 Identity Verification:

The rollout of identity verification for directors and people with significant control (PSCs) is a top priority this year.

Ensuring your compliance is essential to keep your records in good standing.

💡 What this means for you:

The corporate landscape is becoming more scrutinised.

Maintaining accurate, transparent, and up-to-date company information is no longer just good practice, it’s a critical compliance requirement.

At Alchami Accounting Ltd, we are here to help you navigate these changes, ensure your filings are accurate, and keep your business fully compliant with the latest regulations.

Need help verifying your details or updating your records? Get in touch with our team today! 📈

30/05/2026

Great session today at Northern England Regional Event!

A huge thanks to the speakers for the invaluable insights, Robin Murray for hosting a brilliant evening of networking, Andrew Cussons for the roadmap to business and growth strategies, & Alex from the for the essential economic update and macro perspective.

It’s clear that navigating digital transformation and talent shifts will be the defining challenges for 2026.

Great to connect with so many professionals across the North!

30/05/2026

HUGE news!

I am absolutely thrilled to announce that I’ve been shortlisted for Emerging Professional of the Year at the 2026 IFA Awards! 🏆

Building Alchami Accounting Ltd, from the ground up has been an incredible journey, and my goal has always been to provide the best possible service to our amazing clients.

To have my work recognised by the Institute of Financial Accountants ( )on such a big stage is a massive honor.

A massive THANK YOU to all our clients, supporters, and friends who have been part of the Alchami Accounting Ltd story so far.

I also want to give a shoutout to the category sponsor, ebnow!

Next stop: London! 🇬🇧 I can’t wait to attend the IFA Conference and awards reception at the beautiful Royal College of Physicians on June 25th.

Congratulations to all my fellow nominees, see you there!

30/05/2026

🛡️ Is Your Business Truly Protected? 🛡️

Losing a key person can be a major hit to any business.

That’s why “Key Person Insurance” is so vital. But did you know how you structure it can change your tax bill?

At Alchami Accounting Ltd, we want to make sure your protection is working as hard as you are.

Quick Tax Tips:

✅ When can you claim tax relief?

Usually, if the policy is “pure risk” (term insurance) and solely designed to protect your business against the loss of that person’s services.

❌ When can’t you?

If the policy has an “investment element” (like whole-of-life) or is covering capital losses (like loan repayments), HMRC often treats this as a capital cost, meaning no tax relief on premiums.

The Bottom Line:

Deductible Premiums? The payout is usually taxable as income.

Non-Deductible Premiums? The payout is usually tax-free.

Confused? You aren’t alone.

Insurance and tax rules are tricky.

Don’t guess, get it right.

Let’s sit down and review your business continuity plans to ensure you’re tax-efficiently protected.

📩 DM us or visit our website to book a chat!

14/05/2026

Thinking of selling your home? 🏡 Don’t let Capital Gains Tax (CGT) catch you off guard.

While your main home is usually tax-free, living away from it can change the math.

If you’ve spent significant time elsewhere, you might not be entitled to full Private Residence Relief.

Here is what you need to know for 2026:

• ✨ The “Final Months” Safety Net: In most cases, the final 9 months of ownership are tax-exempt, provided it was your main home at some point.

• 🛠️ Moving In Late: You can often claim relief for the first 2 years if you were delayed by renovations or building work.

• 💼 Working Away: You can claim relief for absences of up to 3 years (for any reason), 4 years (for UK work), or even unlimited time for overseas work, provided you lived there before and after.

• 💍 The “One Home” Rule: Married couples and civil partners can generally only nominate one main residence between them.

If you own two properties, the rules get complicated fast!
Small gaps in residency can lead to big tax bills.

At Alchami Accounting Ltd, we help you navigate the complexities of property tax to protect your gains.

📩 Planning a sale? DM us to ensure you’re maximising your reliefs!

14/05/2026

Stop! 🛑 Before you reclaim the full VAT on that new lease car, read this.

Many businesses assume “business car = full VAT back,” but HMRC rules are more nuanced than they appear.

Whether you’re leasing long-term or hiring for a quick trip, getting the percentage wrong can lead to unwanted headaches later.

The Alchami Cheat Sheet:

• The 50% Rule: For most leases, you can only reclaim 50% of the VAT.

HMRC applies this restriction to cover any potential private use, even if the car is primarily for business.

• The 100% Exception: Full recovery is generally only available if the car is used for taxi services, driving instruction, or is a “pool car” with zero private use.

• Short-Term Hire: Hiring a car for a specific business trip?

If the hire is for 10 days or less and used entirely for business, you can usually reclaim the full 100%.

Don’t let an oversight on your return stall your progress.

At Alchami Accounting Ltd, we ensure your VAT claims are accurate, compliant, and optimised for 2026.

📩 DM us to review your business expenses or book a consultation via the link in our bio!

13/05/2026

Ready to keep your finances on track?

🗓️ At Alchami Accounting Ltd, we know how fast those deadlines can sneak up on you.

Grab your calendar and save these key dates for June and July 2026.

Let’s make sure your compliance is seamless! 💼✨

🗓️ June Deadlines

• 1 June: Corporation Tax due for the year ended 31 August 2025.

• 19 June:
CIS300: Monthly return filing deadline.
CIS Tax: Payment due for the month ended 5 June.
PAYE & NIC: Deductions due (Month ended 5 June).

• Note: If paying electronically, your deadline is 22 June.

🗓️ July Deadlines

• 1 July: Corporation Tax due for the year ended 30 September 2025.

• 6 July: P11D & P11D(b) Deadline. Final day to submit returns for benefits, expenses, and Class 1A NICs.

• 19 July:
Class 1A NICs: Payment due.
CIS300: Monthly return filing deadline.
CIS Tax: Payment due for the month ended 5 July.
PAYE & NIC: Deductions due (Month ended 5 July).

• Note: Electronic payments for these are extended to 22 July.

💡 Pro Tip: Missing a deadline can lead to unnecessary penalties. If you need help calculating your P11Ds or managing your CIS returns, we’ve got you covered!

💬 Questions about your tax status? Drop a comment or send us a DM!

10/05/2026

📊 How Dividends Are Taxed: 2026/27 Guide

Navigating the tax landscape can be tricky, but understanding how your dividends are taxed is essential for maximizing your take home pay.

At Alchami Accounting Ltd, we make the complex simple.

Here is what you need to know for the 2026-27 tax year:

🟢 The Tax Free Essentials

Before you start paying tax, you have two key “buffers”:

• Personal Allowance: £12,570 (if not used by other income).

• Dividend Allowance: The first £500 of dividends are tax free, regardless of your other income.

📉 Dividend Tax Rates

Basic rate: 10.75%
Higher rate: 35.75%
Additional rate: 39.35%

Note: Your dividend income is added to your other income (like salary or pension).

This means dividends can potentially push you into a higher tax bracket!

📝 How to Report Your Income

• Under £10,000: You can ask HMRC to adjust your tax code (collecting tax via your wages/pension) or report it via Self Assessment.

• Over £10,000: A Self-Assessment tax return is mandatory.

• Below Allowance: If your dividends are within the £500 allowance, you don’t need to notify HMRC at all.

⏳ Key Deadlines

If you need to register for Self Assessment for the first time, you must do so by 5 October following the end of the tax year.

Confused about your tax position?

Let the experts handle the numbers while you focus on growing your business.

📧 DM us today or visit our office to ensure your filings are accurate and optimised.

08/05/2026

🇬🇧 Moving Back to the UK? It’s Not Just About the Tax!

Returning home after time abroad feels like a homecoming, but the “to-do” list can be longer than you expect. Beyond the tax implications, there are several practical hurdles to clear to ensure a smooth landing.

At Alchami Accounting Ltd, we look at the full picture of your financial health. Here is what you need to have on your radar:

🏠 1. The Housing Puzzle

If you’ve been away, your UK credit score might have gone dormant. This can make securing a mortgage or even renting a property trickier than usual.

• Pro Tip: Start re-establishing UK credit links early and keep proof of your overseas income and employment history ready for lenders.

💼 2. Employment & Income

Are you returning with a job secured, or starting fresh? The UK job market moves fast, and recruitment cycles can take months. For our business owners, remember that re-building a local client base takes time ensure you have a robust cash-flow buffer.

🏥 3. Healthcare & Education

Don’t wait until you’re sick to think about the NHS.

• NHS: You’ll need to re-register with a GP, and there may be waiting lists for certain services.

• Schools: If you have children, school places are often tied to your postcode. Catchment areas and application deadlines don’t wait for your relocation to be finished!

💳 4. Administrative “Reset”

From renewing a lapsed UK driving licence to opening a fresh bank account, the admin can pile up. Many find that their “old” accounts have been closed due to inactivity, requiring a full re-application process.

💡 The Alchami Strategy

A successful return is all in the preparation. Whether it’s managing your transition of wealth or ensuring your business structure is ready for UK soil, we are here to help.

Planning a move in 2026? Let’s get your finances “UK-ready.”

Planning your return?

🔗 Visit the link in our bio for our relocation checklist or drop us a message to chat!

Alchami Accounting

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