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JVCA the friendly accountants

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JVCA the friendly accountants

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Chartered accountants, Tax specialists & Business advisers ... More like bean roasters than bean cou We really are tax specialists…experts in saving you money.

We are a firm of Chartered Accountants offering a variety of accountancy and consultancy services to a wide range of businesses. Because every £ we save in tax is more money for you to spend on your business or your family! Okay so we do all the usual stuff of accounts, tax returns, payrolls, company formation, etc, and do it very well…but we do more! Becoming the trusted advisor that helps your business thrive! We can give you help, advice and suggestions that work! Some accountants just deal in the past - we aim to help you look forward and have a better future. ...and we do this with a range of businesses from owner managed and family run businesses to subsidiaries of large companies…We also have a great reputation for working with high net-worth individuals. Interested? Want to find out more? Ring or email and book a free initial consultation to check us out and find out more.

28/10/2026

Budget day has finally arrived.

John Healey delivers his first Budget as Chancellor today, and there’s been plenty of speculation about what he’ll announce.

By this afternoon there will be no shortage of headlines and hot takes.

Much of it won’t be relevant to your business, and the parts that are can be easy to miss.

We’ll be sharing a clear breakdown of what the Budget means for small business owners. It will cover the changes that matter to you and your business.

If there’s anything you’re hoping to see announced, or anything you’re dreading, let us know below 👇

If you’d like to discuss how the announcements could affect you, drop us an email.

[email protected]

27/10/2026

This tax relief deserves more attention 👇

Relocation allowance. It’s one of the few tax reliefs where everyone comes out ahead. Here’s why…

A business can pay up to £8,000 of a new employee’s qualifying moving costs tax free. There’s no Income Tax for the employee and no National Insurance for either side.

Compare that with paying the same amount through salary. For a higher rate taxpayer to take home £8,000, the business would need to spend nearly £16,000 once employer NI is added.

Paid as relocation, it costs £8,000.

The catch is that the business needs to pay or reimburse the costs. If the new hire pays and tries to claim it back on their tax return, there’s no relief available.

There’s also a deadline, so it’s worth sorting early.

If you’re hiring from further afield, it’s worth putting relocation in the offer. And if you’ve been offered a role a long way from home, it’s a good question to ask before you accept.

If you want to know exactly what qualifies, our short article explains it all. You can read it here:

https://www.jvca.co.uk/uk-relocation-allowance-tax-free-moving-costs/

If you’d like help working any of it out, feel free to drop us an email. We’re happy to help!

[email protected]

22/10/2026

Kind words like these from a client mean a lot to the whole team.

We really enjoy seeing the businesses we work with grow, and it’s lovely to know that comes across.

It just goes to show that yes, good advice matters, but so does knowing your accountant has your best interests at heart.

Thank you for taking the time to share this with us. We’re looking forward to supporting you through the year ahead.

[email protected]

15/10/2026

Jonathan and Coral swapped the office for their quarterly mastermind meeting last week.

That meant no calls, no emails, just a day to think about JVCA itself and what's next.

Even a couple of hours away from the desk to work ON the business, not in it, can make a big difference. So if it's been a while, here's your reminder to book in time to think about what you want from your business going forward.

Oh, and this business review and planning service is something we love doing with our clients.

P.S. We're not entirely sure why Jonathan is pulling a face that looks as though he doesn't know what a camera is…

13/10/2026

Selling crypto at a loss and buying it straight back might seem like a clever tax move, but the rules often don’t make this a clever move…

When you sell, HMRC matches that sale against a specific purchase, in a set order.

The same day rule: If you buy and sell the same coin on the same day, those transactions are matched together first.

The 30 day rule: If you buy the same coin back within 30 days of selling, the sale is matched with that new purchase instead of your original one.

For example, if you bought Bitcoin for £60,000 and sold it for £50,000, expecting a £10,000 loss. Then buy it back 10 days later for £48,000. The sale matches with the £48,000 purchase, so you have a £2,000 gain.

Just remember:

- The timing of a rebuy can turn an expected loss into a taxable gain.
- Your records need accurate dates as well as amounts.

If you'd like help working out where you stand with your cryptocurrency, we're more than happy to help.

[email protected]

08/10/2026

Don’t miss out on the latest tax changes (and no, this doesn’t mean checking HMRC yourself!)

With the Autumn budget fast approaching, there’s plenty to keep an eye on as a business owner.

The trouble is finding the time and the information relevant to you.

Our newsletter makes that easy for you. Each month we’ll send you the updates that are relevant, from HMRC rules and tax changes to Making Tax Digital support.

That way you hear about what matters, without having to waste time looking for it yourself.

If you'd like it sent straight to your inbox, you can sign up through the link in our bio.

👉www.jvca.co.uk

07/10/2026

If a client sued your business tomorrow, would your house be safe?

For sole traders, the honest answer is no. There's no legal separation between you and the business, so your home and savings are exposed if something goes wrong.

A limited company is a separate legal entity, which keeps personal assets protected in most cases.

That's one reason to think about incorporating. Since April 2026, there's another.

Since April 2026, sole traders with income over £50,000 have had to send updates to HMRC quarterly, rather than once a year. Limited companies don't have to do this, so staying a sole trader no longer means less paperwork.

Running a limited company also involves less admin than many people expect. With an accountant looking after the yearly filings for you, there's very little you need to do yourself.

That said, the right choice still depends on your profits, your plans and your personal circumstances.

If you'd like to talk about what that looks like for your own business, drop us an email and we'll help you.

[email protected]

06/10/2026

Most sole traders assume a limited company will save them tax.

At £60,000 profit, the numbers say otherwise.

A sole trader would pay around £13,889 in tax. A limited company would pay around £14,278, which is £389 more.

Even at £125,000 profit, the limited company can still come out with the bigger bill, unless there's scope to pay a partner a wage.

So if tax isn't the main reason to incorporate, what is?

Our latest guide looks at the things that often matter more:

- Liability - how much of your personal life is tied to the business

- Making Tax Digital - quarterly reporting for sole traders has narrowed the admin gap

- Growth and ownership - bringing in shareholders, investment or a future sale

- Credibility - some larger clients won't work with sole traders at all

Every situation is different, but the guide is a helpful place to start if the question has been on your mind for a while.

Read the full article here:

https://www.jvca.co.uk/why-staying-a-sole-trader-is-good-and-when-a-limited-company-is-better/

Or find the link to our website in our bio.

01/10/2026

Kind words like these mean a lot to the whole team.

Running a small business means juggling plenty at once, and good advice shouldn't stop at the tax return. We're always happy to help clients look at the bigger picture, whether that's their finances, their tax position or plans for the years ahead.

Thank you for taking the time to share this - it's much appreciated.
If you'd like an accountant who's there when you need them, we'd be happy to hear from you.

[email protected]

30/09/2026

Before choosing an accountant on price, ask them one question. When did they last save a client money that the client hadn't asked about?

At JVCA, we work hard to make sure our clients get real value for their money. And as the old saying goes, if you pay peanuts, you get monkeys.

So if you're weighing up fees, it's worth thinking about what you're actually paying for:

- A service that simply process tax returns
- A professional who knows your situation inside out.

Tax returns do matter, of course. Staying compliant matters too. But the value of a good accountant goes beyond that.

It's hard to put a price on the trust you place in your accountant, and the trust they earn by always having your best interests at heart.

It's how a 20-minute phone call recently saved one of our clients £2,100 (shared in yesterday's post). That's what holistic accounting looks like in practice.

Our aim is to be an accountant you can depend on, and worth every penny.

Read Jonathan’s full blog on saving a client of ours over £2000 in a short phone call:

https://www.jvca.co.uk/how-a-20-minute-phone-call-saved-my-client-2100/

[email protected]

Address

114 High Street
Cranfield
MK430DG

Opening Hours

Monday	8am - 4pm
Tuesday	8am - 4pm
Wednesday	8am - 4pm
Thursday	8am - 4pm
Friday	8am - 3pm

Telephone

+441234752566

Website

https://www.JVCA.co.uk/

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