Crisp Accountancy Ltd

Crisp Accountancy Ltd Forward-thinking accountancy for SME's with a focus on helping your business grow! Xero specialists. Part of the Crisp Business Group.

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Most founders only think about tax when a bill arrives.The ones who keep more of what they earn?They're thinking about i...
17/07/2026

Most founders only think about tax when a bill arrives.

The ones who keep more of what they earn?
They're thinking about it all year round.

Proactive tax planning isn't complicated.
It just means having the right conversations at the right time, so you're not scrambling in January, and you're not paying more than you need to.

We help our clients spot reliefs they'd otherwise miss, structure their business in a way that works for them long term, and stay ahead of changes before they become problems.

The difference it makes is real. Less stress. More clarity.
More profit staying where it belongs — in your business.

Your accountant should be doing this for you.
If they're not, it might be time to have a different conversation.

Find out how we work at crispaccountancy.co.uk 👇

15/07/2026

We've worked with hundreds of ambitious founders.

Different industries, different stages, different personalities.

But the ones who grow fastest?
They share a few things in common.

They get support before they need it desperately — not after the wheels start coming off.
A bookkeeper, a strategist, a sounding board. Whatever it is, they don't wait until they're drowning.

They look at their numbers regularly. Not once a year in a panic.

A weekly dashboard, a monthly management report — something that keeps them connected to what's actually happening in their business.

And they plan for tax throughout the year. So January isn't a shock. It's just a date.

None of this is complicated. But it does require showing up and doing the work.

What would you add to the list? 👇

03/07/2026

The mileage rate just changed. For the first time since 2011.
From this tax year, you can claim 55p per mile for the first 10,000 business miles you do in your own car. That's up from 45p — a 22% increase.
If you or your employees use personal vehicles for business travel, this matters. More you can claim, less tax you pay.
Make sure your records reflect the new rate from 6 April 2026 onwards. And if you've been claiming the old rate, it's worth a quick check.
Not sure how this applies to your business? Drop us a message.

01/07/2026

HMRC doesn't just bill you for the tax you owe. They bill you for next year's too.
It's called payments on account. And it catches a lot of founders off guard.
Here's a real example of how it works:
Your 2023/24 tax bill: £3,000
Already paid throughout the year: £1,800
Balancing payment due 31 January: £1,200
Plus first payment toward next year: £1,500
Total due on one January morning: £2,700
Then another £1,500 in July.
None of this is wrong. It's just the system — and it hits hard if you're not ready for it.
If you've got a Self Assessment bill coming, check your online account now so you know exactly what's due by 31 July.

30/06/2026

Most founders are caught off guard by payments on account.

Here's why.
When your Self Assessment tax bill is over £1,000, HMRC doesn't just collect what you owe. They also collect payments toward next year's bill at the same time — split across two dates, January and July.

So you could be paying this year's tax AND next year's in the same sitting.
It's a double hit that nobody warns you about.

The good news? Once you know it's coming, you can plan for it.

Your Self Assessment account will show exactly what's due by 31 July. If you're unsure what applies to you, that's what we're here for.

29/06/2026

31 July is coming up faster than you think.

If you submitted a Self Assessment last year and your tax bill was over £1,000, you'll likely have a payment on account due by midnight on 31 July.

Here's what that means: HMRC assumes you'll owe a similar amount this year, so they collect half of it in advance — twice a year, in January and July.

Check your Self Assessment account to see what's due.

If you're a Crisp client and you're not sure, just ask us.

26/06/2026

Thinking about a summer staff BBQ?

Here's something worth knowing before you book it.

HMRC allows up to £150 per head, per year for staff entertaining. That covers food, drinks, venue, transport — the lot. Stay within it and there's no tax or National Insurance to worry about.

But here's where it catches people out: that £150 is for the whole tax year, not per event.

So if you already had a Christmas party and spent £100 per head, you've only got £50 left to play with before the exemption runs out.

Go over — even by £1 — and the whole amount becomes taxable. Not just the excess.

Plan it right and your summer BBQ is a genuinely tax-free perk for your team.

We'd call that a win. ☀️

P11D reminder — the submission deadline is 6th July.Thank you to everyone who's been so speedy getting their checklists ...
12/06/2026

P11D reminder — the submission deadline is 6th July.
Thank you to everyone who's been so speedy getting their checklists to us.
It's genuinely appreciated.
If you're unsure whether you need one, or you'd like a bit more guidance before you start,
please get in touch sooner rather than later. We're here to help.

11/06/2026

65% of businesses that fail were profitable.
Not loss-making. Not badly run. Profitable.
Cash flow is what kills them.
It's one of the most misunderstood dynamics in business. Profit is what's left when you subtract costs from revenue. Cash flow is whether the money is actually in your account when you need it.
The two are not the same. And confusing them is expensive.
A business can have a full order book, strong margins, and happy clients — and still run out of cash. All it takes is a few slow-paying customers, a big tax bill, and a quiet month landing at the same time.
This is why we talk about cash flow constantly with our clients. Not because it's interesting. Because it's the thing that catches founders off guard more than anything else.
Know your numbers. Not just your profit. Your cash.
Have you ever had a profitable month that still felt tight?

04/06/2026

A great month in the bank doesn't mean you're winning.
It might. But it also might mean a big client paid early, an invoice you forgot about landed, or you just haven't paid your VAT yet.
Founders run their businesses off their bank balance more than they'd like to admit. It feels logical — money in, money out. But the bank balance is one of the least reliable indicators of how your business is actually doing.
Here's what a healthy bank balance can hide:
A tax bill that's quietly building in the background. Slow-paying clients who'll squeeze your cash next month. Revenue that looked great on paper but hasn't actually arrived yet. Costs you've deferred that are about to land all at once.
Profit tells you if the business is working. Cash flow tells you if it can survive. You need both — and they're rarely the same number at the same time.
The founders who stop worrying about money aren't the ones with the biggest bank balances. They're the ones who know what's coming.
If you're still running off the bank balance, it might be time to change that.
What do you actually use to measure how your month went?

Address

Hatfield

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

Telephone

01707 247044

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