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BCT Accountants Ltd

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BCT Accountants Ltd

We believe in thinking differently and breaking down the normal stereotypes of accountancy firms. We will guide and assist you every step of the way.
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Whether you are a business or an individual we strive make our service all about you and your goals not just about deadlines and form completion. We want to get inside your business and work out what makes you tick, do you want to expand your business, lower your tax bill, have more time off or look at how to exit? We believe that we can offer much more than the completion of your end of year accounts and tax return- we believe in looking forward -not backwards and planning how to achieve your targets and change your business and life. We want to exceed your expectations and through a high level of customer services we believe we can achieve this.

26/10/2026

The next Making Tax Digital quarterly update is due on Friday 7 November.

If you're in the first wave (self-employed or a landlord with income over £50,000), this is your second quarterly update of the year.

You're not alone if it has slipped down the list. HMRC's own figures suggest more than 275,000 people who should have signed up still haven't, and HMRC has started signing some of them up automatically.

The good news: there are no penalty points for late quarterly updates during the 2026 to 2027 tax year. The point of this first year is to get used to the rhythm, not to worry about perfection.

If you'd rather not think about it at all, we can handle the sign-up, the quarterly updates and the year-end return for you. Just give us a ring on 01423 431889 or drop us an email.

26/10/2026

We have had a run of reviews on Google lately, and it is the detail in them that means more than the number.

One of our clients moved to us after 15 years of running her own business. She said it was one of the best decisions she made for her business, and that since moving across she has started to understand it better and grown it with more confidence.

Her line we liked best: no question is ever too small, and everything is explained in a way she can actually understand. She added that she never had that with her previous accountant.

That is the whole job, really. We get to know you and your business, not just your numbers. You speak to the person who knows your file, not a junior or a call centre, and emails get answered the same day.

If you have been with us a while and have a minute, a review genuinely helps other owners decide who to ring.

And if you are the one doing the ringing, we offer a free one hour initial consultation. Call us on 01423 431889.

23/10/2026

The Budget lands on Wednesday. It's the Chancellor's first, and for owner-managed businesses the detail will matter far more than the headlines.

Which is why we're not going to spend the next five days telling you to panic. There isn't time to do anything meaningful before the Chancellor stands up, and decisions made on speculation usually turn out to be the expensive ones.

What we will do is read the small print on Wednesday and tell you, in plain English, what it actually means for a business like yours. Not what the papers say it means.

The areas we'll be watching closest:

Capital gains tax. The government hasn't ruled out changes to rates or reliefs, and anything that lands here has a knock-on effect on exits, succession and investments in a future business.

Business reliefs and incentives. Business Asset Disposal Relief is already a shadow of what it once was. Whether this Budget does anything to reward entrepreneurial risk-taking, or nothing at all, is worth knowing.

How family businesses get passed on. HMRC has been consulting on whether some shareholder transactions should be taxed as income rather than capital, on top of IHT changes already in play. Succession planning is a live issue now, not a "we'll look at it in five years" conversation.

If any of those are on your horizon, the sensible move is a conversation in the week after the Budget, once we know what we're actually dealing with.

Get in touch with BCT Accountants and we'll tell you where you stand.

15/09/2026

We spent the day at Accountex North in Manchester, catching up on the latest in tax planning, Making Tax Digital, and the software shaping how accountants work.

It's part of how we keep client advice current rather than out of date.

08/09/2026

A thank you to everyone who's left us a review recently.

We're now at 30 reviews on Google, with a 5.0 average — and it's the detail in them that means the most, not just the number.

One says it better than we could:

"No question is ever too small, and everything is always explained to me in a way that I can actually understand — something I never experienced with my previous accountant."
— a BCT client

Every one of these means more to us than the number does. Thank you for taking the time to write them.

03/09/2026

"What can I actually put through the business?"

Probably the question I'm asked most often, and usually a bit sheepishly — as though there's a secret list somebody forgot to hand over.

There isn't. The test is whether the cost is wholly and exclusively for the trade. That's the whole rule.

What's more interesting is the pattern in what people get wrong.

Things people assume they can't claim through their company, and can: use of home when you genuinely work from home, professional subscriptions, the staff Christmas party (up to £150 a head, completely tax-free, not just deductible), eye tests and glasses needed for screen use.

Things people do claim, and shouldn't: clothing that isn't a uniform, parking fines and speeding tickets — even when they happen on a genuine business trip.

The second list is the expensive one, because it survives right up until somebody looks.

01/09/2026

Software will replace a chunk of what accountants do, and honestly it should.

If your accountant's main contribution is typing your bank statement into a ledger and filing the result, that job has been in trouble for a decade. Bank feeds, receipt capture, automatic categorisation — that work is going, and defending it isn't a strategy.

What software can't do is tell you it's the wrong question.

A client rang me last month, weighing up a new double cab pickup for the business. His current one is taxed as a van — strong capital allowances, and if he ever drives it privately, a flat, modest benefit-in-kind charge (the tax on personal use of a company vehicle).

He assumed the replacement would work the same way. It won't. Since April 2025, HMRC treats most double cab pickups as cars rather than vans, for both capital allowances and benefit-in-kind. Same vehicle, same use — but the benefit-in-kind is now based on list price and CO2 instead of a flat charge, which for anyone using it privately can be several times the old figure.

Nothing about the vehicle changed. The rules did.

Xero will record the purchase however it's classified, and never once question the assumption behind it. That's a conversation worth having before he signs, not after.

So yes — if you're paying someone to do data entry, the software is coming for that, and you should welcome it. Just be clear that's what you're paying for.

What are you actually buying from your accountant? Worth knowing the answer.

28/08/2026

The self-employed bank holiday: same as everyone else's, except you check your emails at eleven, and again at three, and once more before bed.

We're shut on Monday and genuinely shut. Back Tuesday at nine.

Enjoy the long weekend, whatever shape yours takes.

25/08/2026

Nobody has ever rung me in January wishing they'd left it later.

File in September and you'll know the number in September. Four months to put it aside.

File in January and you'll know the number three weeks before you have to pay it.

The tax is due 31 January either way. Filing early doesn't cost you a single day of cashflow. It just moves the surprise to a month where you can do something about it.

20/08/2026

"Do I need to do a tax return?"

Honestly the question we're asked most, usually by someone who's been quietly worrying about it for months.

The registration deadline for the year to April 2026 is 5 October. If you started a side business, went self-employed, or began renting somewhere out during that year — that date is yours.

It's a five-minute conversation and it costs nothing. Considerably cheaper than the penalty for finding out late.

01423 431889.

Address

Beechley, Minskip Road
Boroughbridge
YO519HY

Opening Hours

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

Website

http://www.bctaccountants.co.uk/

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