What are the opening hours?

Monday 8:30am - 4:30pm Tuesday 8:30am - 4:30pm Wednesday 8:30am - 4:30pm Thursday 8:30am - 4:30pm Friday 8:30am - 4:30pm

SJO Accountants Ltd

Q: What is the website?

https://understandyourfinances.co.uk/5steps, http://www.sjoaccountants.co.uk/

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Newtownards
SJO Accountants Ltd

Accountancy Practice specialising in Owner Managed Small Businesses

Helping owners understand their finances better so they can grow their business:

🔍 Get our free e-book: https://understandyourfinances.co.uk/5steps

🔍 Book a free discovery call: https://api.leadconnectorhq.com/widget/bookings/saraotleydiscoverysession

26/05/2026

The government has confirmed a 60-day maximum payment term for large businesses paying smaller suppliers, with mandatory interest at 8% above base rate if they miss it, and financial penalties for persistent offenders.

Late payments cost the UK economy £11 billion a year. This is long overdue.

Legislation takes time. If late payments are hurting your cash flow right now, get in touch. There's plenty we can do today.

25/05/2026

Delighted to announce that we have been shortlisted in the Business Growth Award (< 10 employees) category.

21/05/2026

A pilot wouldn't fly blind, but most business owners make six-figure decisions with last year's numbers.

Last year's numbers tell you where you've been, not where you are, or where you're heading.

Hiring, pricing, investing, and expanding aren't small calls, and yet most business owners make them with outdated information, a gut feeling, or "vibes".

Your decisions deserve better data than that.

19/05/2026

You already know this one. But let's make it real...

𝗩𝗮𝗻𝗶𝘁𝘆 (Revenue)
Posting your best ever turnover month while your margins are shrinking.

𝗦𝗮𝗻𝗶𝘁𝘆 (Profit)
Knowing what you actually kept after costs.

𝗥𝗲𝗮𝗹𝗶𝘁𝘆 (Cash Flow)
Whether you can pay your team, your suppliers, and yourself on time.

Most businesses celebrate revenue, but the ones that last? They obsess over the other two.

Which one do you have the clearest picture of right now?

14/05/2026

Everyone's talking about working smarter not harder, but nobody's checking if the work is actually profitable.

You can optimise your systems, your team and your processes, but if your margin is wrong, you're just doing the wrong thing more efficiently.

"Smarter" starts with knowing whether what you're doing is actually making you money.

12/05/2026

Most business owners avoid looking too closely at their numbers. Not because they don't care, but because they're afraid of what they'll find.

The ones who look anyway? They're the ones who fix it.

What are your numbers telling you right now, and do you like what you see?

08/05/2026

31st May is closer than you think.

Employers must issue P60s to all employees for the 2025/26 tax year by 31 May 2026. If you're a limited company director paying yourself a salary, that includes you too.

It's one of those deadlines that creeps up quietly, so don't let it catch you out.

Any questions about your payroll obligations, we're here.

06/05/2026

We’re a few weeks into the new tax year now. It’s easy to let the first month pass without adjusting anything.

This is often the best time to make small, deliberate changes, like reviewing pricing, tightening margins, questioning costs that crept up last year.

It doesn’t need to be dramatic. It just needs to be intentional.

04/05/2026

If your VAT quarter ended 31 March, you have until Thursday 7th May to submit your return and pay any VAT owed to HMRC. Miss it and penalties follow automatically.

If you're unsure where you stand, get in touch.

30/04/2026

For many businesses, VAT is due soon. If it feels like a shock every quarter, it’s rarely the tax itself, it’s usually a visibility issue.

VAT builds gradually across the quarter. When figures are reviewed regularly, it’s planned for rather than feared. That steady oversight makes a big difference.

Address

37 Movilla Street
Newtownards
BT237JQ

Opening Hours

Monday	8:30am - 4:30pm
Tuesday	8:30am - 4:30pm
Wednesday	8:30am - 4:30pm
Thursday	8:30am - 4:30pm
Friday	8:30am - 4:30pm

Website