SV&Co Tax & Business Insights
Tax and finance explained like a conversation, not a textbook.
Practical explanations for business owners, directors, sole traders and landlords. We start with the real-life question, use simple numbers, then explain what the rule actually means.
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Self-Employed & MTDSelf Assessment, Making Tax Digital, CIS, expenses and payments on account.
VATVAT registration, VAT returns, input tax and practical VAT decisions.
Property & LandlordsRental income, MTD, property expenses and CGT.
Payroll & EmploymentPayroll, employer costs, workplace pensions and employment reporting.
Business Finance & GrowthCash flow, management accounts, margins and business decisions.
HMRC & Tax PlanningHMRC enquiries, tax planning, disclosures, reliefs and year-end decisions.
Latest practical guides
Useful answers, not daily noise.
Payroll & PAYE for Small Businesses in the UK: A Practical 2026 Guide
What is PAYE? PAYE stands for Pay As You Earn. It is the system employers normally use to deduct Income Tax and National Insurance…
Read explanation →Limited Companies & DirectorsDirector’s Loan Account Explained: What Happens When You Transfer £20,000 From the Company?
Quick answer If you take money from your company and it is not salary, a lawful dividend, an expense repayment or repayment of money…
Read explanation →Limited Companies & DirectorsCompany Director Responsibilities Explained: What You Are Personally Responsible For
Quick answer A director can delegate bookkeeping, accounts, payroll and filing work to an accountant, but remains legally responsible for the company’s records, accounts…
Read explanation →VATShould I Register for VAT? B2B vs Consumer Business Examples
Quick answer You must normally register when taxable turnover for the previous rolling 12 months goes over £90,000, or when you expect to exceed…
Read explanation →Self-Employed & MTDMTD Is Live: What Sole Traders and Landlords Need to Do Now
Quick answer If your 2024/25 tax return showed more than £50,000 of combined gross self-employment and property income, you generally entered MTD for Income…
Read explanation →Limited Companies & DirectorsCan My Limited Company Pay for This? Everyday Expenses Explained
Quick answer For a normal revenue expense, HMRC’s starting point is that it must have only a business purpose and must not be specifically…
Read explanation →Limited Companies & DirectorsDividend Tax 2026/27: What a £50,000 Dividend Actually Costs
Quick answer From 6 April 2026 the dividend allowance remains £500. Dividend income above the allowance is taxed at 10.75%, 35.75% or 39.35% depending…
Read explanation →Self-Employed & MTDCIS Tax Refund Guide: Why 20% Deducted Does Not Mean a 20% Refund
Quick answer If you are a registered CIS subcontractor, a contractor will normally deduct 20% from the relevant payment amount and send it to…
Read explanation →Tax ReturnsHow Payroll Errors Can Cost Businesses Money
payroll errors is the focus of this practical guide. It explains why payroll mistakes occur and how to prevent them in clear terms for…
Read explanation →Tax and business guidance you can use
Our tax and business insights explain common accounting questions for company directors, sole traders, landlords and growing businesses. Each article focuses on a practical issue, the rule behind it and the records or decisions that need attention. The aim is to help you understand the subject before discussing how it applies to your own position.
First, read the quick answer and simple example. Next, review what commonly goes wrong and the action you should consider. Where an article discusses tax rules or deadlines, use the linked official source to check the current position. Because tax circumstances differ, general tax and business content does not replace advice based on your records.
For current government guidance, visit GOV.UK tax and GOV.UK business. You can also explore our accountancy services or contact SV&Co if an article raises a question about your business.