Oak Circle Accounting Limited

16/10/2026

Registering for VAT to get some VAT back sounds like common sense. For a lot of funeral firms it costs money instead, because registering also puts VAT on everything taxable you sell.
Here's what you need to know.

09/07/2026

Most independent funeral firms don't lose money in one dramatic decision.

They lose it through small, reasonable, well-intentioned habits - the kind that add up, and only shows up when you're looking at the year-end profit and thinking 'so much work… for that?'

04/07/2026

Number 10 of 10 - the final one in the series: Succession readiness.

If you were handing the business to someone tomorrow, what would take more than a week to explain?

The shorter that answer, the more valuable the business.

01/07/2026

A lot funeral directors - and company directors in general - stay with the wrong accountant for one or two reasons: loyalty, and fear of the hassle involved.

Changing accountants is a standard, professional process. It's only painful when it's done late, done informally, or done without a clear handover plan.

30/06/2026

Number 9 of 10: Director's Loan Account balance.

Overdrawn means a tax issue, a reporting issue, and a valuation issue - making every other number harder to trust.

27/05/2026

Number 6 of 10:

Tax ring-fenced - a separate pot for PAYE and VAT, untouched until it's due.

Boring. Effective. Non-negotiable.

22/05/2026

Your accountant shows you revenue, and maybe gross or net profit. Do they show you your fully loaded cost per funeral?
The Cost Per Funeral Calculator works it out from one quarter of data.
It shows margin by service type and how the mix is shifting over time.

Get the free Cost Per Funeral Calculator A free Excel tool built for independent funeral directors. Your privacy matters Your data will not be shared with t ...

19/05/2026

Year-end is a post-mortem, not management.

If the first time you see the real numbers is when the accounts arrive months later - that's not oversight, it's a gap in intel.

You don't need more detail, you need earlier intel.

14/05/2026

Number 4 of 10: Gross margin by service type.

Not the blended average, but the margin per category. Which one is carrying the others?

Most firms don't know. The ones that do make better pricing decisions.

09/05/2026

Most funeral directors can quote their average funeral price but almost none can tell you what it actually costs to conduct one - the fully loaded price, not just the direct costs.

Those aren't the same number; and the gap between them is where margin disappears.