HB&O

HB&O HB&O will create an accounting solution that’s right for you, wherever you are on your journey. Our speciality is Owner Managed and Family Businesses.

HB&O are one of the largest independent firms of chartered accountants and financial advisors within the Coventry and Warwickshire region, offering businesses supportive and approachable financial advice. Our team are skilled and highly trained in starting, buying, running, growing, selling and passing on a business; and we combine these skills with our detailed financial and taxation knowledge to

offer our clients personal, approachable, supportive and timely advice, guidance and support on all taxation and financial needs. The services we provide are designed with our clients – new and existing – in mind, which is why we are able to offer far more than traditional bookkeeping, accounting and auditing services, we promise to be innovative and client focused. Our other services include:
• Accountancy
• Audit
• Bureau Services (payroll, bookkeeping etc)
• Business Advisory Services
• Business Tax Advice and Planning
• Charities and Not for Profit
• Contractors
• Corporate Finance
• Cost Management Services
• Developing Wealth
• Estate Planning (Wills and Probate)
• Fee Protection
• Forensic Accounting and Litigation Support
• HR Compliance
• IT Services
• International Business

In addition to the above forward thinking advice and accountancy services, we are also a highly qualified team of Independent Financial Advisors, with over 200 combined years of experience; enabling us to offer a wide range of financial services. Our financial services have been awarded the prestigious Chartered Financial Planners designation by the Chartered Insurance Institute – which demonstrates that we reach the rigorous standard relating to professional qualifications and ethical good practice. No matter how difficult it may sometimes appear, our sixty-strong team of chartered accountants and financial experts will be able to offer you personal advice and support, enabling you to reach your financial goals.

Business transactions are rarely straightforward. Whether you are planning a sale, restructuring your company or prepari...
02/06/2026

Business transactions are rarely straightforward. Whether you are planning a sale, restructuring your company or preparing for investment, the details matter.

HB&O’s Transaction Tax team supports businesses at every stage of the process, from initial planning through to post-transaction considerations.

We support across a wide range of areas, including:
• Corporate reorganisations and demergers
• Tax and financial due diligence
• Business valuations
• Capital gains tax planning
• Exit planning and structuring

Every transaction is different. That is why we take the time to understand your objectives, assess the risks and opportunities, and develop a strategy that supports both your immediate goals and long-term plans.

If you are considering a transaction or want to ensure you are structured as efficiently as possible, our team is here to help.

Audits are often seen as a headache. But, approached the right way, the audit process can be one of the most valuable ex...
29/05/2026

Audits are often seen as a headache. But, approached the right way, the audit process can be one of the most valuable exercises your business undertakes.

At HB&O, we treat every audit as an opportunity, rather than a box-ticking process. Our team takes the time to understand your operations from the inside, spending time on site, getting under the skin of how things actually work, and looking beyond the numbers to identify where processes can be improved, controls strengthened and efficiencies gained.

We work with businesses and organisations across a wide range of sectors, including charities and not-for-profits, bringing quality alongside a personal, pragmatic approach that comes from being an independent practice.

If your audit is coming up, or you are looking for a fresh perspective on your current arrangements, please don't hesitate to get in touch.

The rules around pensions and inheritance tax are changing, and the impact will be felt well beyond large estates.From 6...
26/05/2026

The rules around pensions and inheritance tax are changing, and the impact will be felt well beyond large estates.

From 6 April 2027, unused pension funds will be brought into the scope of inheritance tax for the first time. This is a significant change that may impact many families across the UK.

The good news is that there is still time to act. Our latest article sets out what is changing, what it means in practice and the steps worth taking before the deadline arrives.

Read the full article via the link below, and get in touch with our Inheritance Tax, Trusts and Estates team to discuss your position.
https://hboltd.co.uk/inheritance-tax-iht-on-pensions-what-the-2027-changes-mean-for-you/

Email: [email protected]

Just set up a limited company, or thinking about it? There is a lot to get right from the start.The early decisions you ...
21/05/2026

Just set up a limited company, or thinking about it? There is a lot to get right from the start.

The early decisions you make as a limited company owner have a real impact on how smoothly things run down the line. To help you along, we've put together a free guide covering the essentials every new limited company owner should work through, including:

- Company structure and director responsibilities
- How to pay yourself and use your tax allowances effectively
- Bookkeeping, record-keeping, and the tools that make it easier
- Tax and compliance deadlines you cannot afford to miss
- Employing people and getting payroll right
- Cash flow management and funding options available to you

Starting out does not have to feel overwhelming. With the right foundations in place, you will have the clarity and confidence to focus on what matters most: building your business.

Download the guide for free here: https://hboltd.co.uk/new-business-guide-essential-checklist-for-limited-company-owners/

Could selling your business to your employees be the right exit for you?Employee Ownership Trusts (EOTs) have grown in p...
13/05/2026

Could selling your business to your employees be the right exit for you?

Employee Ownership Trusts (EOTs) have grown in popularity, and it's easy to see why. No external buyer. No disruptive trade sale process. A management team that stays in place. And a meaningful tax saving for the seller.

But the rules have recently changed and those considering an EOT must understand the new position. If you're a business owner exploring your exit options, it's essential to understand what an EOT actually looks like under the current requirements.

If you're thinking about succession planning, it's worth a read. Click on the link below:
https://hboltd.co.uk/what-is-an-employee-ownership-trust-and-is-it-right-for-your-business/

Robust financial management is so much more than accurate numbers. It requires the right systems, processes and controls...
07/05/2026

Robust financial management is so much more than accurate numbers. It requires the right systems, processes and controls working together.

Our approach to financial management combines deep technical expertise with carefully selected technology solutions to help businesses improve reporting, strengthen financial controls and streamline everyday processes. Whether through our Virtual Finance Office service or advisory support, we help organisations implement systems that deliver real insight, not just data.

The result is better visibility, improved decision-making and a finance function that supports long-term success.

Discover how the right technology can transform your finance function - get in touch to explore what's possible for your business.

We know that coming to a new accountant or asking for support at a challenging time in business can feel daunting. At HB...
05/05/2026

We know that coming to a new accountant or asking for support at a challenging time in business can feel daunting. At HB&O, we always aim to make that process as straightforward as possible, take the weight off your shoulders and make sure you feel informed and looked after every step of the way.

If you are looking for an accountancy partner you can genuinely rely on, we would love to hear from you. Reach out to our team today.

Choosing an accountancy partner is a big decision for your business. You need to work with advisers who understand your ...
30/04/2026

Choosing an accountancy partner is a big decision for your business. You need to work with advisers who understand your goals, challenge your thinking when needed and provide clear guidance as your business evolves.

At HB&O, we work closely with organisations across a wide range of sectors, supporting them with audit, tax, advisory and outsourced finance solutions. No matter the area, our focus is always the same: building trusted, long-term relationships and delivering practical advice that helps clients move forward with confidence.

If you are reviewing your current advisers or planning for the next phase of your business journey, get in touch today.

The tax treatment of discretionary trusts is changing, and for trustees, settlors and anyone with a pension nomination p...
27/04/2026

The tax treatment of discretionary trusts is changing, and for trustees, settlors and anyone with a pension nomination pointing to a trust, the window to act is narrowing.

The Autumn Budget 2024 and Budget 2025 have introduced a series of reforms that will affect how discretionary trusts are taxed on income, on capital gains and through inheritance tax. The most significant changes land in April 2027, and these are not minor adjustments. They have real implications for how trusts are structured, how income is managed and whether existing death benefit nominations are still working as intended.

Our latest article sets out exactly what is changing, what it means in practice and the questions trustees should be asking right now.

If you would like to understand how these reforms could affect your position, our team is here to help.

Read the full article via the link below, or get in touch to speak to one of our inheritance tax specialists:
https://hboltd.co.uk/what-future-tax-reform-could-mean-for-discretionary-trusts/

Everything your business needs from an accountancy partner, in one place. Whether you are focused on growth, navigating ...
08/04/2026

Everything your business needs from an accountancy partner, in one place.

Whether you are focused on growth, navigating a complex tax position, managing compliance, or thinking about the future of your business, the right support can make all the difference. But knowing where to start, and who to turn to, is not always straightforward.

That's why we've put together a full guide to HB&O's services. A clear, practical overview of everything we offer, from audit, tax and payroll, to virtual finance, international expansion and more.

We bring together specialists across accountancy and business advisory, all under one roof. No fragmented advice. No gaps. Just one team, working together around what your business actually needs.

If you are reviewing your current support or planning the next stage of growth, our guide is a great place to start.

Download your free copy via the link below!
https://hboltd.co.uk/full-service-guide/

Address

Highdown House, 11 Highdown Road
Leamington Spa
CV311XT

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5pm

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