Culverhouse & Co.

12/10/2026

You can have a profitable business and still find yourself worrying about cash flow.

You may be wondering why that is, and the answer is: profit and cash are not the same thing.

You might have money tied up in unpaid invoices, stock or upcoming expenses. If you don't keep an eye on your cash flow, a profitable business can still find itself under pressure. Understanding what's coming in, what's going out, and when is just as important as knowing your profit.

Have any questions about cash flow and business finances? We offer a completely free, no-obligation conversation!

Get in touch with us here: https://www.culverhouse-accountants.co.uk/contact

11/10/2026

𝗛𝗼𝘄 𝗔𝗿𝗲 𝗣𝗲𝗼𝗽𝗹𝗲 𝗨𝘀𝗶𝗻𝗴 𝗧𝗵𝗲𝗶𝗿 𝗣𝗲𝗻𝘀𝗶𝗼𝗻𝘀 𝗶𝗻 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁? 𝗪𝗵𝗮𝘁 𝘁𝗵𝗲 𝗟𝗮𝘁𝗲𝘀𝘁 𝗙𝗖𝗔 𝗗𝗮𝘁𝗮 𝗧𝗲𝗹𝗹𝘀 𝗨𝘀 (𝟮𝟬𝟮𝟲)

Retirement is no longer simply a case of taking your pension and buying an annuity. Today, people have more choice over how and when they use their pension savings.

The latest FCA Retirement Income Market Data for 2025/26 gives us a useful picture of what people are actually doing when they start accessing their pensions, and the numbers show just how important retirement income planning has become.

Find out more: https://www.culverhouse-accountants.co.uk/post/how-are-people-using-their-pensions-in-retirement-what-the-latest-fca-data-tells-us-2026

How are people using their pensions in retirement? We look at the latest FCA data on drawdown, annuities, withdrawals and pension advice.

08/10/2026

𝗬𝗼𝘂 𝗱𝗼𝗻'𝘁 𝗻𝗲𝗲𝗱 𝘁𝗼 𝗯𝗲 𝗮𝗻 𝗮𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁 𝘁𝗼 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱 𝘁𝗵𝗲𝘀𝗲, 𝗯𝘂𝘁 𝘆𝗼𝘂 𝗱𝗼 𝗻𝗲𝗲𝗱 𝘁𝗼 𝗸𝗻𝗼𝘄 𝘄𝗵𝗮𝘁 𝘁𝗵𝗲𝘆'𝗿𝗲 𝘁𝗲𝗹𝗹𝗶𝗻𝗴 𝘆𝗼𝘂. There's a big difference between knowing your numbers and actually understanding them.

1. Turnover
How much money is coming into the business?

2. Gross profit
How much are you actually making from what you sell?

3. Net profit
What's left after all your business costs?

4. Cash
How much money is actually available?

5. Tax
What are you likely to owe, and when?

If your turnover is growing but your profit isn't, that's worth looking into. If you're making a profit but always seem short of cash, that's worth looking into too. And if your tax bill comes as a surprise every year, it's probably time to start looking at that before the bill arrives.

That's where a good accountant should earn their keep: https://www.culverhouse-accountants.co.uk/accountants-in-bromley

07/10/2026

𝗟𝗮𝘁𝗲𝗿 𝗟𝗶𝗳𝗲 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗳𝗼𝗿 𝗖𝗮𝗿𝗲 𝗖𝗼𝘀𝘁𝘀: 𝗛𝗼𝘄 𝘁𝗼 𝗣𝗿𝗲𝗽𝗮𝗿𝗲 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗙𝘂𝘁𝘂𝗿𝗲

Most of us hope to enjoy a long, healthy retirement. However, it's also important to consider what would happen if you or a loved one needed long-term care in later life.

While no one likes to think about needing care, planning ahead can help you make informed decisions, protect your finances, and give you greater choice should the need arise.

Find out more: https://www.culverhouse-accountants.co.uk/post/later-life-planning-for-care-costs-how-to-prepare-for-the-future

Learn why later life planning for care costs is important. Discover how early planning can help protect your finances and give you more choice in later life.

06/10/2026

A business can be bringing in more money than ever and still not be making as much profit as it should.

Maybe costs have gone up, your margins have slipped, or you're doing more work for less return. Or perhaps the money is there on paper, but you're constantly worrying about cash.

That's why looking at the numbers properly matters. Your accountant should help you understand profit and, more importantly, what you can do about it: https://www.culverhouse-accountants.co.uk/accountants-in-bromley

05/10/2026

𝗪𝗶𝗹𝗹 𝗔𝗜 𝗥𝗲𝗽𝗹𝗮𝗰𝗲 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁𝘀? 𝗪𝗵𝘆 𝗛𝘂𝗺𝗮𝗻 𝗘𝘅𝗽𝗲𝗿𝘁𝗶𝘀𝗲 𝗦𝘁𝗶𝗹𝗹 𝗠𝗮𝘁𝘁𝗲𝗿𝘀

AI seems to be changing the way we work across many sectors, and accountancy is no exception.

So, will AI replace accountants? The straight-forward answer is: absolutely not. AI can process information, identify patterns and automate repetitive tasks. But when it comes to your finances, there is much more involved than simply processing numbers.

Read more on our blog: https://www.culverhouse-accountants.co.uk/post/will-ai-replace-accountants-why-human-expertise-still-matters

Will AI replace accountants? We explain why AI can automate routine tasks, but professional judgement, expertise and trusted advice still matter.

01/10/2026

If your accounts are filed and your tax return is done, is your accountant actually helping you run your business effectively?

After all, there are plenty of things you might want to talk to an accountant about that have nothing to do with a filing deadline, like:
Can we afford another employee?
Why is cash always tight when we're making a profit?
What is next year's tax bill likely to look like?
Can we afford to invest in the business?
Are our numbers actually telling us what we think they are?

Those are the conversations we believe accountancy should include.

Getting the paperwork right is important, but it shouldn't be the whole relationship.

Knowing what happened is useful - but knowing what to do next is even more useful.

Curious how we can help? We offer a completely free, no-obligation conversation: https://www.culverhouse-accountants.co.uk/accountants-in-bromley

29/09/2026

𝗪𝗵𝗲𝗻 𝘀𝗵𝗼𝘂𝗹𝗱 𝗮 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗼𝘄𝗻𝗲𝗿 𝘀𝗽𝗲𝗮𝗸 𝘁𝗼 𝘁𝗵𝗲𝗶𝗿 𝗮𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁?

It can be helpful to speak to your accountant before:
💷 Starting or buying a business
🤷 Taking on employees
💸 Making a significant investment
☑️ Applying for finance
📚 Changing your business structure
📍 Expanding into new areas
👍 Planning for a sale or succession
🧓 Preparing for retirement

Have you spoken to your accountant yet?

Early advice can help you understand the financial and tax implications before decisions are made: https://www.culverhouse-accountants.co.uk/accountants-in-bromley

Looking for accountants in Orpington or Bromley? Culverhouse & Co provides proactive accountancy, tax and business advice for local businesses and individuals.

28/09/2026

5 signs your business may have outgrown its accountant:
👉 You only hear from them when something is due
👉 You get your accounts, but nobody really talks you through them
👉 You put off asking questions because it's difficult to get hold of them
👉 Tax planning and cash flow only get discussed when there's already a problem
👉 Your business has changed considerably, but the service you're getting hasn't

When you started out, you probably just needed someone to take care of the accounts - but things change. For example, it could be that your business gets bigger, you take on staff, numbers get more complicated, decisions get more complicated.

At that point, you might need more from your accountant. It might be worth asking yourself whether you're getting enough from your accountant.

At Culverhouse & Co, we look beyond simply preparing the accounts. We also understand the business behind them. We offer a completely free, no-obligation conversation: https://www.culverhouse-accountants.co.uk/accountants-in-bromley

25/09/2026

One firm: accountancy and financial planning. 𝗦𝗶𝗻𝗰𝗲 𝟭𝟵𝟴𝟮, 𝗖𝘂𝗹𝘃𝗲𝗿𝗵𝗼𝘂𝘀𝗲 & 𝗖𝗼 𝗵𝗮𝘀 𝘀𝘂𝗽𝗽𝗼𝗿𝘁𝗲𝗱 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀𝗲𝘀, 𝗶𝗻𝗱𝗶𝘃𝗶𝗱𝘂𝗮𝗹𝘀 𝗮𝗻𝗱 𝗳𝗮𝗺𝗶𝗹𝗶𝗲𝘀 𝘄𝗶𝘁𝗵 𝘁𝗵𝗲𝗶𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗻𝗲𝗲𝗱𝘀.

Our services cover both:

𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝗰𝘆 📚
Accounts preparation
Taxation
Bookkeeping
Payroll
Company secretarial services
Cash flow forecasting

𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 💷
Pension and retirement planning
Savings and investments
Inheritance tax planning
School fees planning
Family protection
Long-term care planning

Where appropriate, our accountancy and financial planning teams can work together to help provide a more complete view of your financial position.

📍 We are based in Farnborough Village, Orpington, and serve clients across Kent, South London and surrounding areas: https://www.culverhouse-accountants.co.uk/contact

Contact Culverhouse & Co for expert accountancy and independent financial advice in Kent. Based in Farnborough Village, serving Orpington, Bromley and surrounding areas.