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Monday 8:30am - 5:30pm Tuesday 8:30am - 5:30pm Wednesday 8:30am - 5:30pm Thursday 8:30am - 5:30pm Friday 8:30am - 5pm

HB&O

HB&O will create an accounting solution that’s right for you, wherever you are on your journey. Our speciality is Owner Managed and Family Businesses.

HB&O are one of the largest independent firms of chartered accountants and financial advisors within the Coventry and Warwickshire region, offering businesses supportive and approachable financial advice. Our team are skilled and highly trained in starting, buying, running, growing, selling and passing on a business; and we combine these skills with our detailed financial and taxation knowledge to

offer our clients personal, approachable, supportive and timely advice, guidance and support on all taxation and financial needs. The services we provide are designed with our clients – new and existing – in mind, which is why we are able to offer far more than traditional bookkeeping, accounting and auditing services, we promise to be innovative and client focused. Our other services include:
• Accountancy
• Audit
• Bureau Services (payroll, bookkeeping etc)
• Business Advisory Services
• Business Tax Advice and Planning
• Charities and Not for Profit
• Contractors
• Corporate Finance
• Cost Management Services
• Developing Wealth
• Estate Planning (Wills and Probate)
• Fee Protection
• Forensic Accounting and Litigation Support
• HR Compliance
• IT Services
• International Business

In addition to the above forward thinking advice and accountancy services, we are also a highly qualified team of Independent Financial Advisors, with over 200 combined years of experience; enabling us to offer a wide range of financial services. Our financial services have been awarded the prestigious Chartered Financial Planners designation by the Chartered Insurance Institute – which demonstrates that we reach the rigorous standard relating to professional qualifications and ethical good practice. No matter how difficult it may sometimes appear, our sixty-strong team of chartered accountants and financial experts will be able to offer you personal advice and support, enabling you to reach your financial goals.

16/07/2026

VAT in the Digital Age is the EU’s answer to overhauling its existing VAT framework. If your UK business trades with customers in Europe, you must understand how the changes will apply.

HB&O will be sharing a series of informative blogs on ViDA, to help businesses gain a clear picture of the changes and timelines involved. Click on the link below to read the first article, and get in touch with our VAT team directly if you’d like to have a conversation: [email protected].

https://hboltd.co.uk/an-introduction-to-vat-in-the-digital-age-vida-part-one/

14/07/2026

The temporary VAT reduction on children's meals and family attractions is well underway. But with September approaching, it's important to make sure your systems are ready to revert when the time comes.

From 2 September 2026, the standard rate of 20% returns. That means the same till systems, accounting software, and invoicing processes you reconfigured in June need to be switched back. If that does not happen cleanly, you risk misapplying the standard rate in the weeks that follow.

It is also worth completing any outstanding VAT account adjustments for prepayments taken at the standard rate during the qualifying period, and ensuring your records are properly documented before the window closes.

If you have any questions about the reversal process or your VAT position more broadly, our team is here to help: https://hboltd.co.uk/indirect-tax/

07/07/2026

We're proud of our approach at HB&O, and the kind words we receive from our clients confirm it's one worth maintaining.

If you need tailored financial advice from professionals who go the extra mile across a range of important areas, HB&O is the accounting team in your corner.

Reach out to us today to discuss our services and how we can support you or your business.

30/06/2026

AI has changed the way people access information. For many things, that is genuinely useful. For inheritance tax planning, it could be an expensive mistake.

The interactions between pension wealth, IHT thresholds, the residence nil-rate band taper, and income tax are complex and deeply personal. A strategy that looks sensible in general terms can be entirely wrong for your specific circumstances. And in this area, the consequences of getting it wrong are not easy to undo.

Our Inheritance Tax, Trusts and Estates team works with individuals and families to build estate plans that are practical, tax-efficient, and built around their situation, not a generic prompt response.

With April 2027 less than twelve months away, the decisions you make now matter more than ever.

Swipe through to find out why specialist advice makes all the difference, and get in touch with our team to arrange a conversation.

25/06/2026

Your finance function should be built around your business. Not the other way around.

HB&O's Virtual Finance Office is not an off-the-shelf solution. We take the time to understand how your business works, what information your leadership team actually needs and what is currently getting in the way. Then we build a finance function around that.

This means the right people handling the right tasks, supported by a carefully selected app stack that improves visibility, reduces manual effort and gives you reliable, real-time insight into how your business is performing.

From bookkeeping, VAT returns, and credit control, to management accounts, cash flow forecasting, and business advisory, you can choose the level of support that suits you and scale it as your needs change.

Curious about what a bespoke VFO could look like for your business? We would love to have a conversation. Find out more here: https://hboltd.co.uk/virtual-finance-office/

23/06/2026

Thinking about taking your business international?

The opportunity is valuable. E-commerce, developing markets and an increasingly connected global economy mean international expansion is more accessible than ever.

But accessible doesn't mean straightforward. Different tax regimes, local compliance requirements and unfamiliar legal frameworks mean that getting the groundwork right is essential before you take the leap.

As a member of DFK International, HB&O is connected to over 430 offices across more than 90 countries. This means when our clients expand overseas, they are not navigating foreign markets alone. They have access to expert, locally based advice from trusted firms who meet the same standard of excellence, all coordinated through the HB&O team they already know.

Whether you are exploring your first overseas market or managing operations across multiple jurisdictions, we can help you move forward with confidence.

18/06/2026

Late payments cost the UK economy £11 billion a year and are estimated to close 38 businesses every single day. The government has finally moved to address it.

The Small Business Protections Bill had its first reading in the House of Lords in May 2026. The headline measures include a 60-day cap on payment terms for large firms paying smaller suppliers, mandatory statutory interest on late payments set at 8% above the Bank of England base rate, and new powers for the Small Business Commissioner to investigate poor payment practices and impose fines.

For small and medium-sized businesses, this is welcome news. But legislation takes time to pass, and late payment remains one of the most damaging pressures on business cash flow. Good financial management can do a great deal to mitigate this in the interim.

If cash flow management is something you are looking to improve, whether through better reporting, tighter credit control, or a more structured finance function, our team would be glad to help.

Find out more about how HB&O supports businesses with their financial management: https://hboltd.co.uk/virtual-finance-office/

16/06/2026

Thinking about succession? Or part of a management team considering buying the business you run?

A management buyout can be one of the most effective succession routes available, keeping the business in safe hands, preserving continuity for clients and staff, and delivering a commercially attractive exit for the owner.

But it’s also more complex than it might first appear, with important decisions to make around valuation, funding, tax, and deal structure.

Our latest article covers everything you need to know. Read the full guide via the link below, or get in touch with our team for more guidance.

https://hboltd.co.uk/what-is-a-management-buy-out/

11/06/2026

If you are within scope of Making Tax Digital for Income Tax, the way HMRC charges penalties for late submissions and late payments has changed, and you should know the details before they catch you unawares.

Our latest article breaks down exactly how the new penalty system works, what the key thresholds and deadlines are, and what to do if you are struggling to pay on time.

Read the full article below, or get in touch with our team if you have questions about your specific position.

https://docs.google.com/document/d/14Cb9FNy9p19qf2u6K6QrDhm9dbPS7YLMplJaQfc33VU/edit?tab=t.0

09/06/2026

At HB&O, we don't believe your financial advice and planning should exist in isolation.

Our teams work collaboratively across disciplines. This means your tax planning aligns with your wider business strategy, audit insights inform operational improvements, compliance supports long-term decision making and our advice is always consistent, joined-up and practical.

The result? A more holistic understanding of your business and better, more effective solutions that support your goals.

If you need assistance, please don't hesitate to get in touch.

Address

Highdown House, 11 Highdown Road
Leamington Spa
CV311XT

Opening Hours

Monday	8:30am - 5:30pm
Tuesday	8:30am - 5:30pm
Wednesday	8:30am - 5:30pm
Thursday	8:30am - 5:30pm
Friday	8:30am - 5pm

Website

http://www.hboltd.co.uk/contact

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