Exchange Accountants

22/10/2026

Five things we’d much rather hear from a client BEFORE they happen:

1️⃣“We’re about to sign a big contract.”
2️⃣“We’re thinking of hiring.”
3️⃣“We want to buy new premises.”
4️⃣“We might change the ownership of the business.”
5️⃣“We’re a little worried about cashflow.”

None of these conversations needs to start with a perfect plan. The earlier we talk, the more options we have.

Our latest article explains why timing matters and how a quick conversation can help you avoid expensive surprises.

Read it here 👉 https://exchangeaccountants.com/things-to-tell-your-accountant-sooner/

Let’s Grow Together.

From hiring to major contracts, discover five conversations worth having with your accountant before making business decisions.

21/10/2026

A quick reminder for employers: electronic PAYE and National Insurance payments for the relevant period are generally due to reach HMRC by 22 October, where applicable.

If your business pays PAYE monthly, make sure your payment arrangements are in place and check the period and amount due.

20/10/2026

MTD for Income Tax is expanding on 6 April 2027. Could you be in the next wave?

The new phase generally affects sole traders and landlords with combined qualifying gross income over £30,000. And that’s income before expenses, not profit.

If you’re still keeping paper records or putting your bookkeeping off until year-end, now is a good time to review how you work.

We’ve put together a practical guide to who is affected, what changes and how to prepare.

Read it here 👉https://exchangeaccountants.com/making-tax-digital-2027-next-wave/

Already in MTD? Your next quarterly update is due 7 November 2026.

MTD for Income Tax expands on 6 April 2027. Find out who is affected by the £30,000 threshold and how to prepare.

19/10/2026

Making Tax Digital for Income Tax is expanding again in April 2027.

If you’re a sole trader or landlord with qualifying income over £30,000, now is the time to check whether the new rules will apply to you.

And remember: the threshold is based on qualifying gross income, not profit after expenses.

Tomorrow we’ll share a practical guide to who is affected and what to do now.

15/10/2026

Your biggest business costs might not be the ones you think.

Rent, wages and insurance are easy to spot. But what about the time lost to manual processes, contracts that look busy but barely make a profit, or customers who take months to pay?

As businesses grow, these less obvious costs can quietly eat into margins.

Our latest article covers six hidden costs worth reviewing, and where to start.

Read it here 👉 https://exchangeaccountants.com/hidden-costs-running-a-business/

At Exchange Accountants, we help growing businesses understand the numbers behind their decisions.

Let’s Grow Together.

You know what you pay in rent, wages and insurance. But do you know how much the less obvious costs of running your business are adding up to?

13/10/2026

Your business has grown. But have your financial systems kept up?

More customers. More staff. Bigger contracts. Increasing turnover.

All signs of a successful, growing business.

But behind the scenes, is managing your finances becoming more complicated than it needs to be?

Perhaps you're still relying on spreadsheets that worked perfectly well five years ago. Or you're making important decisions based on figures that are already months out of date.

Maybe your bookkeeping is taking up more time than ever, or you're generating more revenue without really knowing which parts of your business are the most profitable.

The systems that got your business to where it is today aren't necessarily the ones that will take it to the next level.

As your business grows, so should the financial information, processes and support available to you.

That doesn't necessarily mean introducing complicated systems or hiring a full-time finance director.

Sometimes, relatively simple changes can make a significant difference.

In our latest article, we explore six signs your business may be outgrowing its financial management and what you can do about it.

Read it here: https://exchangeaccountants.com/financial-management-growing-businesses/

At Exchange Accountants, we help growing businesses get more from their numbers, make better-informed decisions and plan confidently for what's next.

Let's Grow Together.

Is your growing business outgrowing its financial systems? Discover six signs it's time to improve reporting, bookkeeping and financial management.

08/10/2026

The Autumn Budget is approaching. Is your business ready for whatever comes next?

On 28 October, the Chancellor will deliver the Autumn Budget, and there’s already plenty of speculation about what it might mean for businesses across the UK.

Tax changes? Rising costs? New measures affecting business investment?

The reality is, we won't know exactly what's coming until the announcements are made


But here's something we do know.

Good business planning shouldn't depend on what happens on Budget Day.

Now is a good time to ask yourself:

✔️ Are you making the most of your current tax planning opportunities?

✔️ Do you understand the true cost of employing your team?

✔️ Is your cashflow strong enough to manage unexpected changes?

✔️ Are your investment and growth plans financially sustainable?

✔️ Have you thought about the longer-term future of your business, including succession planning?

It's easy to get caught up in the headlines, but understanding your own numbers and planning ahead will always put you in a stronger position.

At Exchange Accountants, we believe your accountant should help you prepare for what's ahead, not simply tell you what happened last year.

We've put together a short article looking at seven things business owners should be thinking about ahead of the Autumn Budget.

Read it here 👉 https://exchangeaccountants.com/autumn-budget-2026-what-should-business-owners-be-thinking-about-now/

Whatever the Budget brings, we're here to help you make sense of it and plan your next steps.

Let's Grow Together.

Autumn Budget 2026 takes place on 28 October. Discover what business owners should review now, from tax planning and employment costs to cashflow.

01/10/2026

If you made your first Making Tax Digital for Income Tax quarterly update in August, the next deadline is already on the horizon.

Your second quarterly update is due by 7 November 2026.

This time around, hopefully the process feels a little more familiar.

But now is still a good time to make sure:

✔️ Your digital records are up to date
✔️ Your income and expenses have been recorded correctly
✔️ Any errors or missing information from earlier in the year have been corrected
✔️ Your MTD-compatible software is ready for the next update
✔️ You know exactly what needs to be submitted before 7 November

Remember, a quarterly update is a summary of your business income and expenses. It is not another tax return, and no tax payment is due simply because you're making the quarterly submission.

If you're using the standard MTD periods, your second update will cover your records from 6 April to 5 October 2026.

So, no panic just yet... but now is a very good time to get everything in order rather than leaving it until the first week of November.

And if the first MTD submission left you with questions, or you're not confident everything is set up correctly for the second, speak to the team at Exchange Accountants.

Next deadline: 7 November 2026.

28/09/2026

Have you completed your Companies House identity verification?

This is one of those admin jobs that’s easy to put off, but it’s now a legal requirement for company directors and People with Significant Control (PSCs).

If you're an existing director, you'll need to provide your Companies House personal code as part of your company's next confirmation statement. If you're a director of more than one company, the code needs to be provided for each company.

For PSCs, the process is slightly different. You'll also need to verify your identity and provide your personal code, but you'll have a specific 14-day period in which to do so.

A quick checklist:

✔ Have you verified your identity with Companies House?
✔ Have you received and safely stored your personal code?
✔ Do all directors within the company know what they need to do?
✔ If you're also a PSC, have you checked your separate deadline?
✔ Is your next confirmation statement coming up?

Don't wait until you're trying to file your confirmation statement to discover something hasn't been completed. Companies House will not accept it until all directors have verified their identities.

If you're unsure what the new requirements mean for you or your company, speak to the team at Exchange Accountants.

Let's Grow Together.

24/09/2026

If you couldn’t go into work tomorrow, would your business cope without you?

Not when you retire.

Not when you eventually decide to sell.

Tomorrow.

Who would make the important decisions? Who holds the key client relationships? Does someone else understand the finances? Could payments be authorised? How much important information exists only in your head?

We often think of succession planning as something for business owners approaching retirement, but it’s much bigger than that.

It’s about building a business that can keep operating, grow, and retain its value without everything depending on one person.

And ultimately, that gives you more options too.

Whether you eventually want to step back, pass the business to family, bring in a management team, or sell, planning early puts you in a much stronger position.

In our latest article, we look at why succession planning should start long before retirement and some of the questions every business owner should be asking.

Would your business cope without you?

Read the full article here 👉 https://exchangeaccountants.com/would-your-business-cope-without-you/

If that answer has you thinking, talk to the team at Exchange Accountants.

Let’s Grow Together.