Luvero accounting

Luvero accounting Transform your business into a
money-making machine! As your needs evolve, so do our services.

Personalised solutions, from Profit First Professionals

As certified Profit First accountants, we adjust to your way of working. Our accountancy solutions are tailored to your needs, simplifying the path to financial success – your way! That’s why our focus is on building lasting relationships customised to you and your lifestyle. Prioritising work-life balance and stress-free financial management, our accountants keep pace with your business so you can concentrate on what matters most.

Sick pay changed in April and most small employers have not updated their handbook.From 6 April 2026 statutory sick pay ...
02/09/2026

Sick pay changed in April and most small employers have not updated their handbook.

From 6 April 2026 statutory sick pay works differently.

The three day waiting period is gone. SSP is payable from day one of absence.

The lower earnings limit no longer excludes people. It sits at £129 a week, and employees earning below it now qualify. Around 1.3 million people who previously got nothing are now in.

And the amount is £123.25 a week or 80% of the employee's average weekly earnings, whichever is lower. For lower-paid staff, the 80% figure will often be the one that applies.

For a small team the practical effects are these. One and two day absences now cost you where they did not before. Your payroll software needs to handle a daily calculation. And any contract or handbook still referring to a three day wait is now wrong.

The last one is the easy win and the most commonly missed. If your staff handbook says sick pay starts on day four, that document contradicts the law, and it is the document a tribunal would be shown.

Contract and handbook wording is a job for an employment solicitor, not us. The payroll side we can check in an afternoon.

Bank holiday. If you are checking the business bank account today, the checking is the thing to fix.Not the balance. The...
31/08/2026

Bank holiday. If you are checking the business bank account today, the checking is the thing to fix.

Not the balance. The checking.

Most owners who look at the account on a day off are not after information. They already know roughly what is in there. They are after reassurance, and a single number cannot give it, because it does not say what that money is already promised to.

Tax owed but not yet billed. Freelancers who have not invoiced. VAT sitting in there that was never yours.

So you look, you feel briefly better or briefly worse, and you look again tomorrow.

The way out is not willpower. It is separating the money so the balance means something. When the tax is in its own place and your own pay has already gone out, what is left in the main account is finally just what it says it is.

Then the checking stops, because there is nothing left to find out.

Enjoy the day off. Properly, if you can.

The question we get from local business owners more than any other."Am I paying too much tax?"The honest answer is usual...
27/08/2026

The question we get from local business owners more than any other.

"Am I paying too much tax?"

The honest answer is usually no, and that is not the reassurance people want.

Most small businesses are not paying too much tax. They are paying tax on profit they had not planned for, at a moment they did not expect, and it feels like too much because it arrives as a shock.

Different problems, different fixes.

If the amount is genuinely wrong, that is a technical job. Something missed, a relief not claimed, a rate applied badly. It happens and it gets corrected.

If the amount is right and the timing hurts, no amount of clever work fixes it. What fixes it is knowing the number early and having it set aside before the bill lands.

The second one is far more common and far easier to solve.

Worth saying plainly: anybody who tells you they can dramatically cut your tax bill without changing anything about how your business actually operates is either doing something you would not want your name on, or selling you something.

We are closed to new clients until November. If you want to be on the list, the form is on our site.

A £38,000 hire does not cost £38,000. Here is the actual number, and the relief that might wipe out a chunk of it.A clie...
25/08/2026

A £38,000 hire does not cost £38,000. Here is the actual number, and the relief that might wipe out a chunk of it.

A client froze on this for a year. A designer, badly needed, work being turned away. Every time she thought about the salary she stopped.

So we worked it out properly.

Salary £38,000
Employer National Insurance, 15% above the £5,000 threshold: £4,950
Employer pension at the 3% minimum on qualifying earnings: £953

Total £43,903 a year. £3,659 a month before equipment and software.

So the rule of thumb people use, salary plus about a fifth, is close. It is 15.5% on these numbers.

Now the bit that changes the answer for smaller employers. The Employment Allowance is £10,500. If your total employer National Insurance bill for the year is under that, you pay no employer NIC at all, and this hire costs salary plus pension only. £38,953, or £3,246 a month.

In her case the extra capacity meant taking on two projects they were declining, worth roughly £6,000 a month in billings. So the hire paid for itself with room to spare and the decision took an afternoon.

Sometimes the numbers say no. That is just as useful, and quicker.

What is not useful is the version where it stays a scary round number in your head for a year.

Starting a business in Doncaster: the registrations, in the order they actually bite.Most lists put these in the wrong o...
20/08/2026

Starting a business in Doncaster: the registrations, in the order they actually bite.

Most lists put these in the wrong order, which is how people end up registering for things they did not need and missing the one that carried a penalty.

1. Companies House, if you are going limited. Since 18 November 2025 directors and people with significant control also need to verify their identity and hold a personal code. Sole traders skip this step entirely.

2. Corporation Tax with HMRC, once the company starts trading. Being incorporated and being in business are two different dates and HMRC cares about the second one.

3. PAYE, before your first payday. You must register before you pay anybody, and you cannot register more than two months in advance. Leaving it until payroll week is the classic mistake, because the reference does not arrive instantly.

4. VAT, when your taxable turnover for the last 12 months goes over £90,000. It is a rolling twelve month test, not your accounting year, which is why it catches people mid-year with no warning. You also register if you expect to cross it within the next 30 days.

5. Self Assessment, by 5 October following the end of the tax year you need to file for. For 2025/26 that is 5 October 2026, which is six weeks away.

6. CIS, if you pay subcontractors for construction work. Wider than it sounds and it catches businesses that would never call themselves builders.

Nothing here is a judgement call. It is a list of dates, and every one of them is knowable in advance.

If you are starting something in or around Doncaster and want a sanity check on which of these apply, reply. Happy to do that whether you end up a client or not.

The owner's pay pot is the one everybody underfunds, because nobody knows what number belongs in it.For a limited compan...
18/08/2026

The owner's pay pot is the one everybody underfunds, because nobody knows what number belongs in it.

For a limited company your pay is not one thing. It is usually salary through PAYE plus dividends, and the two behave completely differently.

Salary is a company expense, so it reduces the profit Corporation Tax is charged on. It also brings employer National Insurance with it, at 15% on earnings above £5,000 a year.

Dividends come out of profit after Corporation Tax. No National Insurance. But the personal rates went up in April, to 10.75% and 35.75%.

So the same money costs a different total depending on which route it takes, and the answer moves with your profit level, because the Corporation Tax rate you save on salary is somewhere between 19% and 26.5% depending where you sit.

Which is why "pay yourself first" is right in principle and unhelpful in practice until somebody has run your numbers.

The pot is not the hard part. The number is.

If you have been taking whatever felt safe and never had it checked, that is an hour of somebody's time and it is usually worth more than an hour. Reply and I will explain what the calculation involves.

We are in Bawtry Hall, and we are closed to new clients until November.That is an odd thing to advertise. Here is why we...
13/08/2026

We are in Bawtry Hall, and we are closed to new clients until November.

That is an odd thing to advertise. Here is why we do it.

There is a version of an accountancy practice that takes every enquiry, grows fast, and quietly gets worse at the work. Deadlines met at the last minute. Questions answered in a week. Nobody with time to look at your numbers properly because everybody is behind.

We would rather stay small enough to do the job well.

So we close, get the existing work in good order, and reopen when there is genuine room. That happens in November.

If you run a business in Bawtry, Tickhill, Doncaster or the villages around them and you have been thinking about moving accountants, the waiting list is open now. No pitch until we reopen.

And if something urgent comes up before then that we cannot take on, tell us anyway. We would rather point you somewhere sensible than leave you stuck.

Your tax pot is probably set at the wrong percentage, and 19% and 25% are both likely to be wrong.Corporation Tax has a ...
11/08/2026

Your tax pot is probably set at the wrong percentage, and 19% and 25% are both likely to be wrong.

Corporation Tax has a headline rate of 19% up to £50,000 of profit and 25% above £250,000. So most people pick one of those two numbers.

Here is what actually happens in between. I ran the marginal relief calculation:

Profit £50,000, you pay 19.00%
Profit £100,000, you pay 22.75%
Profit £150,000, you pay 24.00%
Profit £200,000, you pay 24.62%
Profit £250,000, you pay 25.00%

So a company on £100,000 profit funding its tax pot at 19% is short by nearly £4,000 a year. One funding at 25% is over-reserving and starving itself of working capital.

And there is a detail almost nobody mentions. Between £50,000 and £250,000 the next pound of profit is taxed at 26.5%, not 25%. Marginal relief claws back the small profits rate as you grow, so the rate on growth is higher than the headline top rate.

That is the number that matters when you are deciding whether to take a bonus, buy the equipment, or leave profit in the company.

Profit First is right that the money moves the day it lands. It just needs your percentage, not a round one.

Reply and I will tell you what yours is.

The goal isn't to survive another year.It's to build something that's still thriving in ten.When you're running a busine...
07/08/2026

The goal isn't to survive another year.

It's to build something that's still thriving in ten.

When you're running a business, it's easy to focus on what's directly in front of you.

This month's bills.

The next client.

The next deadline.

The next problem that needs solving.

And sometimes, getting through the month feels like enough.

But there's a difference between keeping a business moving and building one that's made to last.

Strong businesses aren't built on one brilliant month.

Today is the day nobody told you about.The first quarterly update under Making Tax Digital for Income Tax is due today, ...
07/08/2026

Today is the day nobody told you about.

The first quarterly update under Making Tax Digital for Income Tax is due today, 7 August. Sole traders and landlords with more than £50,000 from self-employment or property.

If that is you and this is news, do not panic. HMRC is not issuing penalty points for late quarterly updates in year one. You are late, not in trouble.

But it is not going away. The next one is due 7 November, and from April 2027 the threshold drops to £30,000, then £20,000 in 2028.

If today is the first you have heard of any of this, that is worth a conversation before November. Reply and I will explain what it means for you.

Address

Bawtry Hall, South Parade
Bawtry
DN106JH

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+441302613515

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