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.

Thinking about succession? Or part of a management team considering buying the business you run?A management buyout can ...
16/06/2026

Thinking about succession? Or part of a management team considering buying the business you run?

A management buyout can be one of the most effective succession routes available, keeping the business in safe hands, preserving continuity for clients and staff, and delivering a commercially attractive exit for the owner.

But it’s also more complex than it might first appear, with important decisions to make around valuation, funding, tax, and deal structure.

Our latest article covers everything you need to know. Read the full guide via the link below, or get in touch with our team for more guidance.

https://hboltd.co.uk/what-is-a-management-buy-out/

If you are within scope of Making Tax Digital for Income Tax, the way HMRC charges penalties for late submissions and la...
11/06/2026

If you are within scope of Making Tax Digital for Income Tax, the way HMRC charges penalties for late submissions and late payments has changed, and you should know the details before they catch you unawares.

Our latest article breaks down exactly how the new penalty system works, what the key thresholds and deadlines are, and what to do if you are struggling to pay on time.

Read the full article below, or get in touch with our team if you have questions about your specific position.

https://docs.google.com/document/d/14Cb9FNy9p19qf2u6K6QrDhm9dbPS7YLMplJaQfc33VU/edit?tab=t.0

At HB&O, we don't believe your financial advice and planning should exist in isolation.Our teams work collaboratively ac...
09/06/2026

At HB&O, we don't believe your financial advice and planning should exist in isolation.

Our teams work collaboratively across disciplines. This means your tax planning aligns with your wider business strategy, audit insights inform operational improvements, compliance supports long-term decision making and our advice is always consistent, joined-up and practical.

The result? A more holistic understanding of your business and better, more effective solutions that support your goals.

If you need assistance, please don't hesitate to get in touch.

Inheritance tax is changing, and it impacts more families than you think.We're hosting both an in-person and online sess...
05/06/2026

Inheritance tax is changing, and it impacts more families than you think.

We're hosting both an in-person and online session on The Basics of IHT, where our Inheritance Tax, Trusts and Estates specialists will guide you through the fundamentals of inheritance tax planning.

These sessions are designed to provide a high-level overview of how inheritance tax works, together with key considerations for effective planning, including lifetime gifting.

If you'd like to attend, please register your interest by emailing [email protected], confirming whether you would prefer an in-person or online session. We'll be in touch as soon as dates are confirmed.

A temporary VAT reduction is coming this summer, and if your business serves families with children, you need to underst...
04/06/2026

A temporary VAT reduction is coming this summer, and if your business serves families with children, you need to understand it before 25 June.

From 25 June to 1 September 2026, the government is introducing a reduced VAT rate of 5% on certain children's meals, children's admission tickets, and entry to qualifying family attractions. That is a significant cut from the standard rate of 20%, and it applies across restaurants, cinemas, theatres, soft play centres, theme parks, zoos, museums, and more.

But the rules come with a number of conditions and exclusions that can be easy to get wrong. Our latest article breaks down what qualifies, what does not, and what businesses should be doing now to prepare.

Click the link below to read the full article, or get in touch with our VAT advisory team if you have questions specific to your business.

https://hboltd.co.uk/temporary-vat-reduction-on-childrens-meals/

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/

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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