LDM Accounting Services

LDM Accounting Services LDM Accounting Services is a professional, ACCA-qualified accounting firm based in Reigate, Surrey. Get in touch and book your free consultation today.

We support UK small and medium-sized businesses with outsourced accounting, bookkeeping, VAT, payroll, company secretarial, tax, budgeting and adhoc queries — including providing an outsourced finance function for growing businesses. Whether you’re a sole trader or a growing limited company, we help you stay compliant and make smarter financial decisions.

03/09/2026

HMRC won’t remind you to claim everything you’re entitled to 👀

These are 8 things limited company directors often miss that could reduce their tax bill:

Mileage, staff parties, eye tests, phones, pensions, business travel and even some strategic work retreats.

The key thing is making sure they’re claimed properly and genuinely relate to the business.

Comment “EXPENSES” and I’ll send you my list of commonly missed business expenses.

01/09/2026

What do good accountants actually do differently? 👇

It’s not just about filing your accounts on time.

A good accountant should:

✅ Warn you about tax bills before they become a surprise
✅ Look for ways to make your business more tax efficient
✅ Understand your longer-term goals
✅ Spot problems before they become expensive
✅ Explain everything in plain English

Your accountant shouldn’t just tell you what happened last year.

They should be helping you make better decisions about what happens next.

Comment “SWITCH” if you’re not getting the support you need and want to have a chat.

30/08/2026

Thinking about switching accountants but worried it’ll be a hassle? 👇

In reality, your new accountant should handle most of the process for you.

They can:

✅ Contact your old accountant
✅ Request professional clearance and records
✅ Set up HMRC agent access
✅ Move everything across

You may need to approve a few things, but you shouldn’t be stuck in the middle managing the transfer yourself.

And you don’t need to wait until your year end to switch.

If the only thing stopping you is the hassle, it’s probably much easier than you think.

Comment “SWITCH” if you’d like to know how the process works.

27/08/2026

Got profits sitting in your trading company and thinking about investing in property? 🏠

How you structure it could make a huge difference to how much you actually have to invest.

If you take £100,000 out personally first as a higher-rate taxpayer, you could lose a significant chunk to dividend tax before you even get started.

With the right holding company structure, you may instead be able to move funds within the group and finance a separate property company.

That means:

💷 More money available to invest
🏢 Property kept separate from your trading business
📈 A cleaner structure for future businesses and investments

If property is your next move, think about the structure before taking the money out personally.

Comment “HOLDING” if you’d like more information on whether a holding company could make sense for you.

25/08/2026

Thinking about selling your business in the future? A holding company could make a big difference 👇

If structured properly, it can allow sale proceeds to stay within the company group rather than being extracted personally straight away.

That could give you a larger pot to reinvest into:

🏢 New businesses
🏠 Property
📈 Other investments

It can also help move surplus cash and assets away from the trading company, potentially making it cleaner and easier to sell.

The key is planning early. This isn’t something you want to set up at the last minute before a sale.

Done properly, a holding company can be a powerful part of your exit strategy.

Comment “HOLDING” if you want to know whether one could make sense for your business.

23/08/2026

Want to know the most tax-efficient way to pay yourself in 2026/27? 👇

If you’re a company director with no other income and want to extract up to the basic rate band:

💷 Salary: £12,570 per year
This uses your personal allowance, gives you a qualifying year for State Pension purposes and is deductible for Corporation Tax.

📈 Dividends: £37,700
The first £500 is covered by the dividend allowance, with the remainder taxed at the basic dividend rate.

That gives you total income of £50,270, with around £46,271 left after personal tax.

That’s an effective personal tax rate of roughly 8%.

Want my checklist of commonly missed business expenses?

Comment “EXPENSES” and I’ll send it over.

20/08/2026

Whenever I post about being tax efficient, I always get the same comments 👇

💬 “You’re not contributing to society.”
Business owners already pay Corporation Tax, VAT, Employers’ NI and plenty of other taxes, while taking on the financial risk of running a business.

💬 “So you’re just helping people avoid tax?”
No. There’s a big difference between artificial tax avoidance and legitimate tax planning. Using the reliefs, allowances and structures available to you is simply sensible planning.

💬 “You won’t qualify for the State Pension.”
You can still build qualifying years while paying yourself tax efficiently, provided your salary meets the relevant NI threshold.

Being tax efficient isn’t about dodging tax. It’s about understanding the rules and not paying more than you legally need to.

Comment “Tax” and I’ll send you some more info.

19/08/2026

Client entertaining isn’t tax deductible… but that doesn’t mean you should pay for it personally 👇

🍽️ Taking a client out for dinner is generally not allowable for Corporation Tax, and you usually can’t reclaim the VAT either.

But if it’s a genuine business entertaining cost, it can still make sense for the company to pay it directly.

Why? Because paying personally normally means taking money out of the company first and potentially paying personal tax before you can spend it.

So while you won’t get a Corporation Tax deduction, you can still avoid unnecessarily funding the cost from your own post-tax income.

Want my list of common allowable business expenses?

Comment “EXPENSES” and I’ll send it over.

12/08/2026

How to pay yourself as a limited company director in 2026/27 👇

A common approach is:

£12,570 salary
£37,700 dividends
£50,270 total income

That results in:

£0 income tax
£0 employee NI
Around £3,999 dividend tax
Approx. £46,271 take-home pay

That’s an effective personal tax rate of roughly 8%.

A few important things to remember:

• Corporation tax will still apply to company profits at 19% to 25%
• Employer’s NI may also be due depending on the circumstances
• The most tax-efficient mix depends on your profits, other income, and how much money you need to take out of the company

Comment “TAX” if you want tailored advice on the most tax-efficient way to pay yourself.

03/08/2026

Cheap accountants can cost you more than you think.

Yes, you might save money on the monthly fee.

But if all they do is file your accounts once a year and tell you what you owe, are they actually saving you money?

A good accountant should help you:

Claim what you’re entitled to
Pay yourself properly
Plan ahead
Avoid mistakes
Save tax where possible

Often, the right advice can save you far more than the extra fees.

If your accountant feels too reactive, comment SWITCH and we can have a chat.

Address

Reigate

Opening Hours

Monday 8:30am - 6pm
Tuesday 8:30am - 6pm
Wednesday 8:30am - 6pm
Thursday 8:30am - 6pm
Friday 8:30am - 6pm

Telephone

+442030514808

Website

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