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

Freshwater Accountancy Services Ltd

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Freshwater Accountancy Services Ltd

From financial accounts to tax returns, let Freshwater Accountancy Services put your finances into p

From financial accounts to tax returns, let Freshwater Accountancy Services put your finances into perspective.

17/07/2026

A common question we get from Etsy sellers: "Does HMRC actually know about my shop?"

The short answer: increasingly, yes. HMRC receives data from online platforms and is actively focused on the side-hustle economy.

If your Etsy income exceeds £1,000 in a tax year, you're legally required to register for Self Assessment. That threshold applies across all self-employment income combined — so if you have a main job plus an Etsy shop, both count.

The good news is that getting on top of it isn't as complicated as it sounds, and there are legitimate expenses you can claim to reduce your tax bill.

We help Etsy sellers and small online traders get their tax affairs sorted without the headache. If that sounds like something you need, let's have a chat.

Reach out today:
[email protected]
01438 878 555

14/07/2026

If you're under Making Tax Digital, your Q1 quarterly period ended on 5th July.

The next date to note is 7th August, that's when you need to make the submission by.

If you want to make sure your MTD process is set up correctly and the right amounts are being tracked, let's talk.

Reach out today:
[email protected]
01438 878 555

10/07/2026

Etsy sellers often underestimate how many business expenses they can legitimately claim.

As a self-employed trader, you can deduct costs that are wholly and exclusively for the business.
For Etsy, that typically includes: materials and components, packaging, platform fees (listing, transaction, advertising), postage and fulfilment, home office costs (proportional), and a share of broadband and phone costs if used for business.

These aren't loopholes, they're your legal entitlement. Claiming correctly reduces your taxable profit and the tax you pay on it.

The challenge is keeping clean records throughout the year so claims are accurate and supportable.

If you'd like help setting up a simple bookkeeping system that captures everything as you go, we'd be glad to assist.

Reach out today:
[email protected]
01438 878 555

07/07/2026

At Freshwater Accountancy, we've operated as a paperless practice from day one.

It's not just a preference — it's how we believe modern accounting should work. Digital records are easier to organise, harder to lose, and far more efficient for both us and our clients.

The move towards Making Tax Digital is accelerating this shift across the UK. Businesses and sole traders will increasingly need to maintain digital records and submit directly through approved software.

The clients who find this least disruptive are those who have already built digital habits: capturing receipts on their phone, using cloud accounting software, keeping their books up to date quarterly rather than annually.

If you'd like help making that transition, whether you're a construction business or an Etsy seller, we're happy to guide you through it.

Reach out today:
[email protected]
01438 878 555

03/07/2026

A quick heads-up the P11D deadline is 6th July.

If any of your employees received benefits in kind during the 2025/26 tax year; company cars, fuel allowances, private healthcare, or similar, these need to be reported to HMRC by that date.

It's one of those things that can slip through the net when you're busy running a site, but the penalties for missing it aren't worth the stress.

If you're unsure whether you need to file, or you're not quite sure what qualifies as a benefit in kind, we can help clarify. Just get in touch.

Reach out today:
[email protected]
01438 878 555

30/06/2026

Be honest, how much time does month end actually cost you?

For construction businesses, it's rarely just a quick job. There's subcontractor payments, CIS deductions, materials reconciliation, job costing, outstanding invoices...

And while all of that's happening, the next project isn't going to manage itself.

At Freshwater, we help take the month-end burden off your plate, giving you clear numbers, confident cashflow, and more time to focus on the build.

Sound like something you need? Get in touch.

Reach out today:
[email protected]
01438 878 555

26/06/2026

July might feel like it's ages away. It isn't.

The P11D deadline lands on 6th July, and if you employ staff and provide any benefits in kind, this one is on your radar.

We've been helping clients get their P11Ds in order ahead of time, and there's still time to do the same for you.

Don't leave it to the last minute. Drop us a message and we'll take care of it.

Reach out today:
[email protected]
01438 878 555

23/06/2026

Can you believe we're almost at the end of the first MTD quarter already?

Making Tax Digital has been one of the biggest shifts for small businesses and sole traders in years, and we know it hasn't always felt straightforward.

Since MTD came into effect, we've been right alongside our clients, helping them understand the changes, get set up, and feel confident about what's required.

If you're still feeling unsure about what MTD means for you, now is a great time to reach out. There's no silly question, and the sooner you get clarity, the easier it becomes.

Get in touch — we're here to help.

Reach out today:
[email protected]
01438 878 555

19/06/2026

Yesterday, we swapped the numbers for something a little more glamorous.

The Freshwater team were at Royal Ascot for Ladies Day.

We believe that downtime and a bit of team bonding is crucial for team morale. Especially when we're half way through the year and everyone has been working so hard.

What better way to do it than going along to Royal Ascot?!

Reach out today:
[email protected]
01438 878 555

16/06/2026

Bookkeeping isn’t just something to “get done”.

If it’s only done for compliance, you’re often left with outdated numbers and that makes it hard to plan, invest, or even know how you’re really doing month to month.

At Freshwater Accountancy, we keep things consistent so you have clear visibility of your finances. The more accurate the data, the more accurate the reporting, and that means better business decisions and fewer surprises.

We love working with clients who want a full FD-style service and want to use their numbers to move the business forward.

Want that level of support? Pop us a message.

Reach out today:
[email protected]
01438 878 555

Address

Kings Court Business Centre, London Road
Stevenage
SG12NG

Opening Hours

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

Website

http://www.freshwateraccts.co.uk/

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