AGS Accountancy

05/10/2026

I'd prefer an early election....but cant see where else they can tax us more???

13/08/2026

🤖 Turning AI savings into something worthwhile

Over the past year, I’ve been using AI within AGS Consultancy to reduce routine administration, improve efficiency and free up time that can be better spent helping clients.

When AI produces a genuine saving—whether that is time saved or a cost avoided—I put a share of that saving aside for charity. In effect, I’ve monetised the benefit of the tool so that its value reaches beyond AGS and our clients.

Since around August 2025, this has resulted in £910 being donated to GiveWell.

GiveWell is different from many traditional charities. It carries out detailed research to identify highly effective, evidence-backed programmes that can save or improve the greatest number of lives for each pound donated.

Its recommendations are based on:

✅ Evidence that a programme genuinely works
✅ The impact achieved for every pound donated
✅ Whether the organisation can use additional funding effectively
✅ Openness and transparency about both strengths and weaknesses

Rather than being guided simply by the biggest marketing campaign or the most familiar charity name, GiveWell follows the evidence and directs money towards opportunities where it believes donations can achieve the most good.

AI is often discussed in terms of replacing work. My approach is to use it responsibly to remove unnecessary administration, improve the service I provide—and share some of the financial benefit with people who need it most.

A saving for AGS can therefore become something far more valuable elsewhere. 🌍

You can learn more about GiveWell here:
https://www.givewell.org/

03/06/2026

Warning Limited Companies / Directors - These scams are making the rounds again, this received today, already reported to Co House team, however, they will use different techniques.

12/04/2026

https://gofund.me/a6fa84562

Leam Trash Friends - Amazing work by all the volunteers that work to tidy our town!

Leam Trash Friends, started in 2019 and ran for a number of years has returned after a pause in … Matt Langsford needs your support for Improve Leamington Spa

07/04/2026

End of tax year and start of the new is a great time to do some spring cleaning in your business: Get your year end sorted, tax calculated so no last minute shocks, forecast the current year (gives yourself an aim/plan to work towards). If you would like any advice - drop me a call/message and arrange a coffee and chat!

28/03/2026

⏳ End of Tax Year – 5 April is coming ⏳

We’re nearly there…

📅 Tax year ends: 5 April
⏰ Time left: not much

If you haven’t spoken to your accountant yet, now’s the window where small decisions can still make a big difference.

This is your last chance to:
👉 Use allowances before they reset
👉 Top up pensions
👉 Plan dividends/bonuses
👉 Sort expenses properly
👉 Avoid paying more tax than you need to

After 5 April…
👉 opportunities close
👉 allowances reset
👉 and you’re into next year whether you like it or not

No panic — but this is the bit where being organised actually pays.

📩 If you want a quick review before year end, drop me a message.

23/03/2026

MTD FINES ARE CHANGING – AND MOST PEOPLE HAVEN’T CLOCKED IT YET 👀

From April 2026, HMRC aren’t just fining you for late tax returns anymore… they’re tracking your behaviour.

Here’s the simple version:
❌ Miss a quarterly update → you get a POINT
❌ Build up points → you get fined £200
❌ Keep missing deadlines → more £200 fines

Think of it like speeding points on your licence 🚗
For most sole traders:
👉 4 missed deadlines = £200 fine
👉 Every miss after that = another £200

And it doesn’t stop there…

💸 Late payment penalties:
15 days late → 3% fine
30 days late → another 3%
After that → daily interest + penalties

👉 From 2027 this goes up even more.
IMPORTANT:
This isn’t just for big businesses.

If you’re:
Self-employed
A landlord
Earning over £50k (then £30k, then £20k)
…you’re coming into this.

⚠️ The real issue?
HMRC are no longer just checking your tax once a year — they’re checking you EVERY QUARTER.

So if you’re the type that:
“sorts it all at year end”
or
“forgets until January”
…this will catch you out.

👍 Good news:
First year is a bit more relaxed (no points for late quarterly updates)

👎 Bad news:
After that, it’s full enforcement.

Bottom line:
This is less about tax… and more about staying organised.

If you’re not set up properly, this WILL cost you.

If you want help getting ready before this kicks in, drop me a message 👍

15/03/2026

⏳ Only 3 weeks left of the financial year!

Have you looked at your tax planning yet?

If not, it’s not too late.

Positioning your business correctly before year-end can:
💷 Save you £££s in tax
📊 Give you a proper business health check
🔍 Help review performance and planning
📦 And it’s the perfect time to take stock… literally

A quick review now can make a big difference before 5 April.

If you’d like us to take a look, feel free to get in touch.

14/03/2026

Many of you will be seeing in the news Companies House had a data exposure, the risk is tiny for our clients as we process data in house and never upload docs online. If you are concerned reach out! Thanks, Rob.

22/02/2026

If any self-employed businesses, individuals with side hustles, or landlords are concerned about the upcoming Making Tax Digital (MTD) changes, feel free to reach out.

We’ve specifically put aside time during March to offer free meetings to help take some of the worry and confusion out of the April changes.

No pressure, just a straightforward chat to give you clarity.
👉 Message us to arrange a meeting.