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ABM Chartered Accountants

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ABM Chartered Accountants

ABM Chartered Accountants is a trusted leader in Accountancy, VAT, TAX & Business Advisory services.

We blend professional expertise with digital innovation to deliver compliance, transparency, and strategic insight that help businesses grow confidently.

08/10/2026

VAT is money you collect for HMRC. Not money that belongs to your business.

It's the most expensive misunderstanding in business banking. VAT lands in your account with every sale, the balance looks healthy, and slowly it gets absorbed into stock, wages, and day-to-day spending. Then the quarter ends, the return is due, and the money that was never yours isn't there.

HMRC doesn't treat a VAT shortfall like a cash flow hiccup. Late payment interest starts immediately, penalties build the longer it stays unpaid, and repeated late payments put your business on HMRC's radar.

How to stay out of that trap:
🔵 Move the VAT portion into a separate account the moment invoices are paid
🔵 Treat your real turnover as the net figure, not the gross
🔵 Reconcile monthly so the quarterly bill is never a surprise
🔵 Forecast your VAT liability alongside your cash flow, not separately
🔵 If a payment is genuinely unaffordable, arrange a Time to Pay with HMRC before the deadline, not after

At ABM Chartered Accountants, we prepare and file VAT returns through Making Tax Digital, forecast your liability each quarter, and set up the systems that keep HMRC's money separate from yours. Regulated by ICAEW and ACCA.

📞 https://wa.me/447718277546
📧 [email protected]
🌐 https://abmcharteredaccountants.com/services/vat/

07/10/2026

Chasing late-paying customers?

It's the number one reason good businesses run short on cash. The work is done, the invoices are out, the order book is full, and the bank balance still doesn't move. Profit on paper, nothing in the account.

Late payment isn't just annoying. It decides whether you can pay staff, suppliers, and HMRC on time. And most of it is preventable with the right systems, not awkward phone calls.

What actually works:
🔵 Credit checks before you take on bigger customers, not after
🔵 Clear payment terms on every invoice, with late payment interest stated
🔵 Invoicing the same day the work completes, not at month end
🔵 Automated reminders before the due date, not weeks after
🔵 An aged debtors report reviewed every week, so nothing drifts
🔵 Knowing your rights: UK law lets you charge interest and compensation on late commercial payments

At ABM Chartered Accountants, we set up invoicing and credit control systems that chase for you, build cash flow forecasts so you see gaps coming, and keep your working capital where it belongs: in your account. Regulated by ICAEW and ACCA.

📞 https://wa.me/447718277546
📧 [email protected]
🌐 https://abmcharteredaccountants.com/services/management-accounts/cash-flow-statements/

06/10/2026

Missed yesterday's deadline? Don't panic.

5 October was the deadline to register for Self Assessment if you had new untaxed income in the 2025/26 tax year. New sole traders, first-time landlords, side hustles over £1,000, high earners caught by the child benefit charge. If that's you and you didn't register, take a breath.

Here's the honest position: missing the registration date doesn't trigger an automatic fine. Penalties only bite if the delay leads to tax being paid late. Register now, file your return, and pay what's due by 31 January 2027, and in most cases you walk away without a penny in penalties.

What to do this week:
1️⃣ Register for Self Assessment with HMRC now, not in January
2️⃣ Wait for your UTR number, it can take a couple of weeks to arrive
3️⃣ Gather your income records while you wait
4️⃣ File and pay by 31 January 2027

The real risk is doing nothing. Registration takes time, January is HMRC's busiest period, and late filing and late payment penalties stack up quickly once the final deadline passes.

At ABM Chartered Accountants, we'll register you, prepare your return, and make sure any penalty exposure is kept to the minimum. Regulated by ICAEW and ACCA.

📞 https://wa.me/447718277546
📧 [email protected]
🌐 https://abmcharteredaccountants.com/services/self-assessment/

05/10/2026

𝗡𝗲𝘄𝗹𝘆 𝘀𝗲𝗹𝗳-𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗱? 𝗛𝗮𝘃𝗲 𝘆𝗼𝘂 𝗿𝗲𝗴𝗶𝘀𝘁𝗲𝗿𝗲𝗱 𝗳𝗼𝗿 𝗦𝗲𝗹𝗳 𝗔𝘀𝘀𝗲𝘀𝘀𝗺𝗲𝗻𝘁?

If you became self-employed during the 2025/26 tax year, you may need to register with HMRC by 5 October 2026.

Registering early gives you more time to prepare your tax return, review allowable expenses and plan for any tax payments.

ABM Chartered Accountants can help with:
✓ Self Assessment registration
✓ Tax return preparation
✓ Allowable expenses
✓ Income and tax calculations
✓ HMRC compliance
✓ Ongoing tax and accounting support

Don’t wait until the deadline. Book your tax consultation with ABM Chartered Accountants today.
📞 https://wa.me/447718277546
📧 [email protected]
🌐 https://abmcharteredaccountants.com/services/self-assessment/

02/10/2026

Sole trader or limited company? The right structure can make a big difference to your tax, finances and long-term business plans.

Choosing between operating as a sole trader or setting up a limited company depends on factors such as your income, tax position, National Insurance, administrative responsibilities and future growth plans.

At ABM Chartered Accountants, we can help you understand your options and choose a structure that fits your business circumstances.

Our support includes:
✓ Sole trader vs limited company comparison
✓ Tax and National Insurance considerations
✓ Business structure planning
✓ Company formation guidance
✓ Ongoing accounting and tax support

Don’t choose a business structure based on guesswork. Get professional advice tailored to your situation.

Contact ABM Chartered Accountants to discuss your options.
📞 https://wa.me/447718277546
📧 [email protected]
🌐 www.abmcharteredaccountants.com

01/10/2026

A limited company isn't always the best choice.

"Go limited, you'll save tax" is the most repeated advice in business. It's also outdated for many people.

The maths has shifted. Corporation tax now runs up to 25%, the dividend allowance has been cut to £500, and extracting profits means paying tax twice: once in the company, again when you take the money out. Add Companies House filings, statutory accounts, confirmation statements, and a public record of your details, and the limited route costs real time and money.

When sole trader often wins:
🔵 Profits at the lower end, where incorporation savings disappear
🔵 You need all the profit as income rather than leaving it in the business
🔵 You want minimal admin and lower accountancy fees
🔵 No plans to bring in investors or sell the business

When limited still makes sense:
🔵 Higher profits you can retain in the company
🔵 Liability protection matters for your contracts
🔵 Clients or agencies require a company
🔵 You're building something to sell

The right answer depends on your numbers, not a rule of thumb. At ABM Chartered Accountants, we run the comparison on your actual figures before you commit either way. Regulated by ICAEW and ACCA.
📞 https://wa.me/447718277546
📧 [email protected]
🌐 www.abmcharteredaccountants.com

30/09/2026

𝗗𝗼 𝘆𝗼𝘂 𝗸𝗻𝗼𝘄 𝗲𝘅𝗮𝗰𝘁𝗹𝘆 𝗵𝗼𝘄 𝘆𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗶𝘀 𝗽𝗲𝗿𝗳𝗼𝗿𝗺𝗶𝗻𝗴 𝗲𝘃𝗲𝗿𝘆 𝗺𝗼𝗻𝘁𝗵?

Annual accounts tell you what happened, but monthly financial reporting gives you a clearer picture of what is happening now. Regular management accounts can help you track revenue, expenses, profit and cash flow, giving you the information you need to spot trends and make informed decisions.

At ABM Chartered Accountants, we help businesses turn their financial data into clear, useful insights.

Our monthly accounting and management reporting support can help you:
• Track monthly revenue and expenses
• Monitor profitability and cash flow
• Identify rising or unnecessary costs
• Compare financial performance over time
• Understand your business's financial position
• Identify potential issues early
• Plan budgets and future growth
• Make decisions based on accurate financial information

No guesswork. Just clearer numbers and better financial visibility.

Whether you are a small business owner, company director or growing business, regular financial reporting can help you stay in control of your finances.

Speak to ABM Chartered Accountants today for professional accounting and management accounts support.
📞 https://wa.me/447718277546
📧 [email protected]
🌐 https://abmcharteredaccountants.com/services/management-accounts/monthly-management-accounts/

29/09/2026

New tax year, new quarter, but do you really know your numbers?

Waiting until year-end to review your finances can leave you reacting instead of planning. Regular financial reviews help you understand revenue, expenses, profitability and cash flow while there is still time to make informed decisions.

At ABM Chartered Accountants, we help businesses:
✔ Review financial performance
✔ Monitor cash flow and expenses
✔ Understand profitability
✔ Stay on top of tax obligations
✔ Plan ahead with greater confidence

Know your numbers. Plan ahead. Make better business decisions.

Speak to ABM Chartered Accountants for professional accounting and business advisory support.
📞 https://wa.me/447718277546
📧 [email protected]
🌐 https://abmcharteredaccountants.com/services/vat/

28/09/2026

The deadline is getting closer. Is your tax return ready?

Leaving your Self Assessment until the last minute can mean unnecessary stress, rushed paperwork and missed opportunities to review your tax position.

Get ahead by preparing your records, checking your allowable expenses and making sure your tax return is accurate and complete.

✔ Organise your financial records
✔ Review allowable expenses
✔ Check your tax position
✔ Prepare your Self Assessment early

Don’t wait for the deadline. Get your tax return sorted with ABM Chartered Accountants.
📞 https://wa.me/447718277546
📧 [email protected]
🌐 https://abmcharteredaccountants.com/services/making-tax-digital/

25/09/2026

Do you know what your business numbers are telling you?

Waiting until year-end to review your finances can make it harder to spot problems, control costs, and make timely decisions. Monthly management accounts give you a clearer view of your business performance throughout the year.

With regular financial reporting, you can:
✔ Monitor revenue and profitability
✔ Track cash flow and expenses
✔ Identify financial issues early
✔ Measure business performance
✔ Make informed decisions with confidence
✔ Plan ahead for sustainable growth

At ABM Chartered Accountants, we help businesses turn financial data into clear, useful insights.

Know your numbers. Understand your business. Plan your next move.
📞 https://wa.me/447718277546
📧 [email protected]
🌐 https://abmcharteredaccountants.com/services/bookkeeping/monthly-bookkeeping/

Address

Docklands Business Centre, Suite 3h & 3g, 10-16 Tiller Road, Canary Wharf
London
E148PX

Opening Hours

Monday	10am - 6pm
Tuesday	10am - 6pm
Wednesday	10am - 6pm
Thursday	10am - 6pm
Friday	10am - 6pm

Website

https://abmcharteredaccountants.com/?utm_source=facebook&utm_medium=social_profile&utm_campaign=profile_link

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Apex Accountants and Tax Advisors
84a Queens Road, Buckhurst Hill

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