LDM Accounting Services

LDM Accounting Services LDM Accounting Services is a professional, ACCA-qualified accounting firm based in Reigate, Surrey. Get in touch and book your free consultation today.

We support UK small and medium-sized businesses with outsourced accounting, bookkeeping, VAT, payroll, company secretarial, tax, budgeting and adhoc queries — including providing an outsourced finance function for growing businesses. Whether you’re a sole trader or a growing limited company, we help you stay compliant and make smarter financial decisions.

20/05/2026

Holding companies can help you reinvest faster 📈

A holding company can let you move profits out of your trading company without taking the money personally first.

In many cases, dividends paid from a trading company to a holding company are not taxed.

That means instead of taking the money personally, paying dividend tax, and then investing what is left, more cash can stay inside the company structure.

That money can then potentially be used for things like property, another business, or long-term investments.

It does not magically create more money.

It just helps delay personal tax and leaves more available to reinvest now.

Comment HOLDING if you want a full breakdown to help you decide if it makes sense for you.

07/05/2026

Most people wait until January to sort their tax return…

But getting it done early is usually the smarter move ✅

Submitting early does not mean you have to pay early.

It just means you know what you owe sooner, which gives you more time to plan, budget properly and avoid any nasty surprises.

It can also help if you need your tax calculation for things like a mortgage, remortgage or proof of income.

And if your income has dropped compared to last year, filing early could reduce your payments on account, or potentially remove the July payment altogether, depending on the figures.

Plus, if HMRC owes you a refund, submitting early means you get your money back sooner.

So filing early is not about being eager.

It is about being organised.

Comment TAX if you want help getting your tax return sorted early and properly.

29/04/2026

You do not need to take all £100k personally and get hammered on tax.

A more tax-efficient approach can be:
£12,570 salary
£37,700 dividends
£50,000 employer pension contribution

That way, you can keep your personal income within the basic rate band, keep dividend tax lower, and move the rest out of the company in a very tax-efficient way.

For 2026/27, that can mean just £3,999 dividend tax on the dividend element.

And the pension contribution?
No personal tax when it goes in, plus it can reduce the company’s corporation tax bill too.

With the right setup, this can be a very powerful strategy for limited company directors.

DM me EXPENSES and I’ll send you my list of commonly missed business expenses.

22/04/2026

If your accountant makes you feel like your business is too small to matter, that’s the problem. Not you.

You should be able to ask questions and actually get clear answers.
You should be able to get a reply without chasing.
And you should have an accountant who helps you plan ahead, not just files things after the year has gone.

Whether you’re a sole trader, landlord or limited company director, you deserve proper support.

A good accountant shouldn’t make you feel like a burden just because you’re not their biggest client.

Comment SWITCH if you want to work with an accountant who actually wants to help.

15/04/2026

There are some tax savings that are small, and then there are some that can make a five figure difference when used properly.

In this video I cover 5 ways business owners could potentially save serious tax, including:

• claiming the Employment Allowance
• choosing the right VAT scheme
• making pension contributions through the company
• using an electric company car efficiently
• working with a proactive accountant who spots opportunities early

The biggest tax savings usually do not come from one magic trick. They come from putting the right structure and planning in place early.

If you want my full list of allowable business expenses, comment “EXPENSES” and I’ll send it over.

08/04/2026

If you’re a limited company director, how you pay yourself matters.

For the 2026/27 tax year, a common starting point is:
£12,570 salary
£37,700 dividends
£50,270 total income

That gives you:
£0 income tax
£0 employee NI
£3,999 dividend tax
£46,271 take home

That’s an effective personal tax rate of around 8%.

Just remember, this is only part of the picture.
Employer’s NI may still apply and the company will still pay corporation tax on profits.

The best setup depends on your profits, other income, whether you have a spouse involved in the business, and how much you actually need to draw.

DM me “Tax” for tailored advice 👇

01/04/2026

10 allowances to use before the end of the tax year 👇

A lot of tax allowances do not roll forward, so if you do not use them, you can lose them.

This includes things like:

£300 trivial benefits
£150 staff party
£60k pension allowance
Topping up unused pension allowances
£500 dividend allowance
£20k ISA allowance
£3k CGT exemption
Marriage Allowance
£1k trading allowance
£1k property allowance / £7.5k Rent a Room

Not every allowance will apply to everyone, but knowing which ones you can use before the tax year ends can make a big difference.

Comment “ALLOWANCES” if you want help working out which ones are relevant to you.

25/03/2026

Here are 4 more things HMRC will happily let you miss…

Annual health checks
If it’s to assess your fitness for work, especially as a director, it may be claimable. This is not general private medical cover.

Food and drink at business meetings
If you’re meeting a client or discussing work, subsistence may be claimable. Not your everyday lunch.

Strategic work retreats
If the trip is genuinely work-focused, there can be scope to put it through the business. It cannot just be a holiday with WiFi.

Hotel costs
If work takes you far from home and it’s reasonable to stay overnight, the cost may be claimable. Keep a note of why it was needed.

These are the kind of expenses many business owners miss simply because no one tells them.

Comment “EXPENSES” and I’ll send over my full list. 📋

18/03/2026

HMRC can pay informants up to 30% of the tax they help recover.

So if someone reports unpaid tax and HMRC successfully collect it, that person could receive a serious payout.

And in most cases, it’s not some random outsider.

It’s often someone close to the business:

• ex-employees

• ex-partners

• contractors

anyone who’s seen how things are really being run

If your records are clean and everything is above board, fine.

But if you’re hiding income, putting personal expenses through the business, or paying people cash off the books, you’re leaving yourself exposed.

Compliance is not just about keeping HMRC happy.
It’s about protecting yourself and your business.

Comment “Protect” and I’ll send you my business compliance checklist. 📋

11/03/2026

HMRC won’t chase you to claim what you’re entitled to… so here are 4 things they’ll happily let you miss ✅

1. Employment Allowance: up to £10,500 off your employer NI if you qualify
2. Company pension contributions: a simple way to reduce taxable profits and your Corporation Tax bill
3. Business mentor costs: can be allowable if it’s genuinely for the business, not just “general self-improvement”
4. Travel to genuine business events: travel, hotel and subsistence can count, but don’t mix it with personal trips

Want my full list of allowable business expenses? Comment “EXPENSES” and I’ll DM it over 📩

04/03/2026

Fed up with your accountant? Now is the perfect time to make a change. 👇

With the tax year end coming up, this is exactly when a review of your set-up can save you money. Switch now and your new accountant can still make changes this tax year.

Leave it until after year end and you’ll miss the planning window.

Switching is also way easier than people think, professional clearance happens between the accountants, and you barely need to be involved.

And to make it completely risk-free, we offer a 90-day money back guarantee. If it’s not working in the first 90 days, you can cancel and we’ll refund your fees in full.

If you’d like a review before the tax year ends, message me “REVIEW” and I’ll send you the next steps.

Address

Reigate

Opening Hours

Monday 8:30am - 6pm
Tuesday 8:30am - 6pm
Wednesday 8:30am - 6pm
Thursday 8:30am - 6pm
Friday 8:30am - 6pm

Telephone

+442030514808

Website

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