Crisp Accountancy Ltd

12/06/2026

P11D reminder — the submission deadline is 6th July.
Thank you to everyone who's been so speedy getting their checklists to us.
It's genuinely appreciated.
If you're unsure whether you need one, or you'd like a bit more guidance before you start,
please get in touch sooner rather than later. We're here to help.

11/06/2026

65% of businesses that fail were profitable.
Not loss-making. Not badly run. Profitable.
Cash flow is what kills them.
It's one of the most misunderstood dynamics in business. Profit is what's left when you subtract costs from revenue. Cash flow is whether the money is actually in your account when you need it.
The two are not the same. And confusing them is expensive.
A business can have a full order book, strong margins, and happy clients — and still run out of cash. All it takes is a few slow-paying customers, a big tax bill, and a quiet month landing at the same time.
This is why we talk about cash flow constantly with our clients. Not because it's interesting. Because it's the thing that catches founders off guard more than anything else.
Know your numbers. Not just your profit. Your cash.
Have you ever had a profitable month that still felt tight?

04/06/2026

A great month in the bank doesn't mean you're winning.
It might. But it also might mean a big client paid early, an invoice you forgot about landed, or you just haven't paid your VAT yet.
Founders run their businesses off their bank balance more than they'd like to admit. It feels logical — money in, money out. But the bank balance is one of the least reliable indicators of how your business is actually doing.
Here's what a healthy bank balance can hide:
A tax bill that's quietly building in the background. Slow-paying clients who'll squeeze your cash next month. Revenue that looked great on paper but hasn't actually arrived yet. Costs you've deferred that are about to land all at once.
Profit tells you if the business is working. Cash flow tells you if it can survive. You need both — and they're rarely the same number at the same time.
The founders who stop worrying about money aren't the ones with the biggest bank balances. They're the ones who know what's coming.
If you're still running off the bank balance, it might be time to change that.
What do you actually use to measure how your month went?

02/06/2026

Half the year is gone.
Do you know if you're on track?
Most founders hit June and realise they haven't looked up from the day-to-day since January. The business feels busy. The bank account looks okay. But busy and okay aren't the same as on track.
Here are the questions worth asking yourself right now:
Is your revenue where you expected it to be?
Not roughly. Actually. Pull the number and compare it to where you planned to be at this point.
Is your profit margin holding?
Revenue can grow while margin quietly shrinks. If you're doing more and taking home the same, something's off.
Do you have a cash flow forecast for the next 90 days?
June to September can be a slow period for a lot of businesses. If you don't know what's coming in and out, you're guessing.
Are you on track to hit your tax position for the year?
Half-year is the right time to review this — not January, when it's too late to do anything about it.
A mid-year review doesn't have to be a big exercise. It just has to happen.
If you want a framework to work through it, we've built a Growth Equation calculator that does the heavy lifting.
Or if you'd rather talk it through, a discovery call takes 20 minutes. No obligation.
What does your mid-year check-in look like — do you have one?

28/05/2026

26/05/2026

Two mistakes we see every year around P11D season.

First one: filing the P11D for individual employees but forgetting to submit the P11D(b) alongside it.

The P11D(b) is what tells HMRC how much Class 1A National Insurance is due. Miss it and you've still got a gap on your record.

Second one: filing self-assessment before the P11D is submitted. If you've got benefits to report, those figures need to land on your return too. File too early and you'll likely need to amend it.

Both are avoidable. Both cost time to fix.

If P11D season feels like more admin than it should, that's probably a sign something in the process needs tidying up. We'd rather flag it early than clean it up in July.

25/05/2026

22/05/2026

Big change coming in 2027 that every employer needs to know about.
Right now, most benefits — company cars, health insurance, director loans — get reported to HMRC once a year through a P11D form.
From April 2027, that changes. Most employers will need to report and tax those benefits through payroll in real time, every month.
It's a significant shift in how you manage and report benefits — and it'll affect how you run your payroll processes.
We'll be putting together a full guide later this year so you're properly prepared. But if you want to talk through what it means for your business before then, we're here.

21/05/2026

Two P11D dates to put in your diary now.

6th July — P11D forms due
22nd July — Class 1A National Insurance payment due (electronic)
And if you've got a P11D this year, don't file your self-assessment before those figures are in.

You'll likely need to amend it if you do.

Sorted already? Great. Not sure?

Drop us a message and we'll check where things are.