C J Ramsay & Associates

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Friendly North Yorkshire accountants helping small businesses with bookkeeping, payroll, VAT & tax.
❌ No fixed fees; Only pay for the support you need 🤝
📩 Send us a message or call us for a friendly chat. Specialist INDEPENDENT ACCOUNTANTS - SOLE TRADERS, PARTNERSHIPS, LTD COMPANIES, BOOKKEEPING, VAT RETURNS, PAYROLL, CASHFLOWS, ACCOUNTS, TAX RETURNS call for a FREE CONSULTATION.

From 1 September 2026 HMRC's new Advisory Fuel Rates apply. If you have employees using company cars, or if you use a co...
02/09/2026

From 1 September 2026 HMRC's new Advisory Fuel Rates apply. If you have employees using company cars, or if you use a company car yourself this is worth knowing about.

Advisory Fuel Rates are the approved rates HMRC uses to calculate reimbursement for business mileage in company cars. They are reviewed and updated four times a year in March, June, September, and December, to reflect changes in fuel prices.

Here is why they matter.
If your business reimburses employees for business mileage in a company car using the correct Advisory Fuel Rate, no tax or National Insurance is due on that reimbursement.

If you reimburse at a higher rate than HMRC allows, the difference is treated as a taxable benefit. If you reimburse at a lower rate, employees can claim the difference back through their tax return.

Getting this right is straightforward but only if you are using the correct rates. And with rates changing four times a year it is easy to miss an update.

The new rates from 1 September 2026 are available on the HMRC website, or get in touch with us and we will make sure you are using the right figures.

📲 Get in touch today if you have any questions about Advisory Fuel Rates or any other aspect of your business finances.

If your company has a November accounting year end your Corporation Tax payment is due to HMRC on 1 September 2026, tomo...
31/08/2026

If your company has a November accounting year end your Corporation Tax payment is due to HMRC on 1 September 2026, tomorrow!!

If you have not paid yet please do not leave it any longer. HMRC charges interest on late Corporation Tax payments from the day after the deadline. At the current rate that adds up faster than most people expect.

And it is worth remembering Corporation Tax has two completely separate deadlines. The payment deadline and the filing deadline are not the same date. Your Corporation Tax payment is due nine months and one day after your accounting year end.

Your CT600 return is due twelve months after your year end. So paying today does not mean your return is due today, but the payment absolutely is.

If you are not sure whether this applies to you or if you need help getting your payment sorted, please get in touch today and we will help you resolve it as quickly as possible.

📲 Get in touch today, do not leave this one any longer!!

Payments on account are one of the most confusing and most expensive surprises for newly self employed people in the UK....
28/08/2026

Payments on account are one of the most confusing and most expensive surprises for newly self employed people in the UK. And late August is actually a really good time to get your head around them before January arrives.

Here is the basics. If your Self Assessment tax bill is over £1,000 HMRC does not just let you pay it once a year. They ask you to make advance payments towards the following year's bill, called payments on account. There are two of them. The first is due 31 January alongside your tax return. The second is due 31 July.

So when you file your first Self Assessment return in January you do not just pay the tax you owe for the year just gone. You also pay 50 percent of your expected bill for the following year at the same time. For many newly self employed people this comes as a complete and very expensive shock.

The good news is that if you expect your income to be lower this year you can apply to reduce your payments on account. But you need to do this before the payment deadline, not after.

If you are not sure whether payments on account apply to you, whether your July payment was correct, or whether you should have applied to reduce them, now is a great time to get that conversation out of the way before January arrives.

📲 Get in touch today and we will explain exactly where you stand, no jargon, no complicated language, just a straight answer.

Here is a quick rundown of what sole traders can typically claim and some of the ones that get missed most often.✅ Offic...
26/08/2026

Here is a quick rundown of what sole traders can typically claim and some of the ones that get missed most often.

✅ Office costs — stationery, printer ink, postage, software subscriptions
✅ Travel — business mileage, public transport, parking for business journeys
✅ Home office — a proportion of your household bills if you work from home
✅ Phone and internet — the business use proportion of your bills
✅ Professional subscriptions — memberships and trade body fees relevant to your work
✅ Training — courses and books directly related to your current work
✅ Marketing — website costs, advertising, business cards
✅ Accountancy fees — yes, our fees are a legitimate business expense 😊

What you cannot claim. Personal expenses, client entertainment, fines and penalties, and the cost of buying assets like equipment in most cases although capital allowances may apply.
If you are not sure whether something is claimable, always ask rather than assume. Getting this wrong in either direction costs you money.

📲 Get in touch today and we will make sure you are claiming everything you are entitled to — nothing more, nothing less.

If your company has an August accounting year end your Corporation Tax Return is due to be filed by 31 August 2026. That...
24/08/2026

If your company has an August accounting year end your Corporation Tax Return is due to be filed by 31 August 2026. That is one week away and with the bank holiday weekend in between it will come around faster than most people expect.

Companies House penalties for late filing start immediately and rise quickly the longer the filing remains outstanding. Beyond the financial penalty a late filing appears on the public Companies House record which can affect your company's credibility with clients, suppliers, and lenders who check it.

If your accounts are not yet in hand and you are not sure whether you are going to make the deadline please contact us today. We will tell you honestly where things stand and what needs to happen to get this resolved before 31 August.

And if this deadline does not apply to you, it is still worth a five minute check of your own Companies House filing deadline to make sure you are not caught out later in the year.

📲 Get in touch today, do not leave this one any longer.

Be honest. How many of these have you thought in the last few weeks?😅 I will sort the receipts in September.😅 I am prett...
21/08/2026

Be honest. How many of these have you thought in the last few weeks?

😅 I will sort the receipts in September.
😅 I am pretty sure the VAT is fine.
😅 January is ages away, I will think about Self Assessment later.
😅 I did not realise that was a deadline.
😅 I will call the accountant next week.

If any of those sound familiar you are in very good company. August is genuinely difficult for small business owners. You are trying to take some time off whilst the business keeps going, the emails keep coming, and the compliance calendar keeps ticking regardless of whether the school holidays are on or not.

The good news is that September is a brilliant time to reset. Get your records straight, check your upcoming deadlines, and put a proper plan in place for the rest of the year.

And if any of those thoughts above have quietly turned into something you are genuinely worried about, please do get in touch. We hear some version of all of them every September and there is always something we can do to help. 😊

📲 Get in touch today, no judgement, just help. 😊

September arrives before you know it and with it comes a wave of deadlines that catch businesses out every single year. ...
19/08/2026

September arrives before you know it and with it comes a wave of deadlines that catch businesses out every single year. Before the month is out here is what every small business owner should be checking off.

✅ PAYE and NIC payment for July payroll — due this Friday 22 August. If you have employees this needs to be sorted today or tomorrow at the latest to allow time for the payment to clear.

✅ Companies House filing — due 31 August for companies with a 30 November year end. If this applies to you and it is not already in hand — contact us today.

✅ VAT records up to date — the 7 September VAT deadline is nineteen days away. Now is the time to make sure everything is in order.

✅ MTD submissions — the Quarter 1 deadline passed on 7 August. If you have not submitted yet you need to act immediately.

✅ Self Assessment records — start pulling receipts and records together now rather than in January when the pressure is on.

None of these need to be complicated, but all of them have consequences if they get missed.
At CJ Ramsey & Associates we keep our clients on top of every deadline so nothing slips through the net.

📲 If you would like that peace of mind, get in touch and let us take the stress of compliance off your plate completely.

We know what you are thinking. It is August. The Self Assessment deadline is not until 31 January. There is plenty of ti...
17/08/2026

We know what you are thinking. It is August. The Self Assessment deadline is not until 31 January. There is plenty of time.

And technically you are right. But here is the thing, the business owners who find January the most stressful are almost always the ones who thought exactly that in August.

The ones who breeze through it? They started pulling things together now.

Here is why August is actually the perfect time to start thinking about Self Assessment.
The summer is one of the few points in the year when things slow down slightly. You have a bit more headspace than you will in October or November when the business picks back up. Using a bit of that time now to start gathering receipts, checking your records are up to date, and making sure everything is in order means January becomes a formality rather than a crisis.

And if you are on Making Tax Digital, your Quarter 2 runs until 5 October with a submission due 7 November. Getting your records straight now means that deadline is already taken care of too.

At CJ Ramsey & Associates we start working with our Self Assessment clients well before the January rush. If you would like to get ahead of it this year rather than behind it — now is a great time to get in touch.

📲 Get in touch today and let us take the stress of Self Assessment off your plate completely.

📅 Did you miss the Making Tax Digital deadline on 7 August? Here is what you need to do right now 👇If you are a sole tra...
14/08/2026

📅 Did you miss the Making Tax Digital deadline on 7 August? Here is what you need to do right now 👇

If you are a sole trader or landlord with income over £50,000 and you missed the Quarter 1 MTD submission deadline last week, firstly, do not panic. But do act quickly.

Making Tax Digital for Income Tax became mandatory for many self employed people and landlords from April 2026. The first quarterly update covering 6 April to 5 July 2026 was due to HMRC by 7 August. If you have not submitted it yet, that deadline has now passed.

Here is what you need to know. Missing an MTD submission can result in penalty points under HMRC's new points based system. Points accumulate over time and once you reach the threshold a financial penalty follows. The sooner you submit the better. Getting it done now will not undo the missed deadline but it will stop the situation getting any worse.

If you are not sure whether MTD applies to you, whether you are set up correctly, or what you need to do to get your Quarter 1 submission in as quickly as possible, this is exactly the kind of thing we help with every single day.

Do not leave it any longer. The Quarter 2 deadline runs to 5 October and that one needs to be on time.

At CJ Ramsey & Associates we are helping clients get set up with MTD, get missing submissions sorted, and make sure they are fully compliant going forward. If you need help, please get in touch today.

📲 Get in touch today and we will help you get this sorted as quickly and painlessly as possible.

Just a heads up for any business owners with employees, the PAYE and NIC payment deadline for July 2026 payroll is comi...
12/08/2026

Just a heads up for any business owners with employees, the PAYE and NIC payment deadline for July 2026 payroll is coming up on 22 August.

That is ten days away and with the summer holidays in full swing it is exactly the kind of thing that can slip through the net.
HMRC does not accept an out of office as a reasonable excuse for a late payment, and late payments can result in penalties and interest charges that are very easily avoided with a little forward planning.

So if you have not already sorted this, now is a good time to make sure everything is in order before the deadline arrives.
And if you are finding that keeping on top of payroll, PAYE, and other compliance deadlines is taking up more of your time than it should, that is exactly what we are here for.

At CJ Ramsey & Associates we keep our clients ahead of their deadlines so they can focus on running their businesses rather than worrying about what is coming next on the HMRC calendar.

📲 Get in touch today if you would like to find out how we can help, we would love to have a chat 😀

Address

Brigante Place, Boroughbridge
York
YO519SB

Opening Hours

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

Telephone

+447989390914

Website

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