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Small Cleaning Business Service Agreement
Can anyone suggest a cleaning service agreement template we could use for office and school cleaning. We have just started a partnership and have insurance in place. Thanks.
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Setting up an investment company from trading company
Hello, I would like to set up an investment company using the profits from my trading company. I'd like the family to benefit form the investment company. I know this is a broad question but any advice on how to get started please? I'd like the family to benefit from the company (when I'm dead) and the long term goal is to…
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Beware of Scam debt recovery
Today a High Court Enforcement Officer rang my business and said he was enforcing an unpaid debt and would be attending within 3 hours to be take payment or take goods. I told him I had no idea what he was talking about and he said he was phoning ahead because he could see our company didn't have any other debts or late…
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Paye
Hi there As a director, can I pay myself £12,570 a year and £3,000 dividend and only pay tax/paye on the 3k? at around 7%. Many thanks, Amy
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HMRC Set up a limited company - how??
Been on the HMRC website for 30 minutes, cannot work out how to set up a Ltd company. Can anyone tell me where to do this on the website. The site is rather confusing and badly designed. I'd like to set it up myself. Many thanks
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Starting a business then applying for a personal DRO
Hi, so in short, I’m off work ill, I’ve got a disability as recognised under the equalities act 2010. Settlement with employer possible, claiming UC standard rate and housing element, and at risk of homelessness, council housing team are supporting. CAB helping with £30,000 debt, DMHEF should be on its way to creditors but…
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Latest HSBC data breach - personal identity theft
A couple of weeks ago I applied to open an HSBC Small Business bank account - only to receive the following email this morning: "We recently became aware of unauthorised access to a third-party platform, which held documents, images and contact information provided when you applied to open a new HSBC UK business banking…
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MTD for ITSA software advice
Folks I am sure there are lts of people searching for Free or good value software. I am one of them. I am a sole trader not VAT registered. I current use Excel and have been checking out various Bridging Software. 123 sheets appears to be a good option. Anyone got any thoughts on a decent software? many thanks harry
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Incorrect merchant
Any suggestions on how to resolve greatly welcomed...my business details are appearing next to all customer transactions (on bank, credit card & Apple Pay statements) for a well known high street store. So many calls/emails daily from angry customers thinking we have taken money from them but when asked if they had shopped…
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Inventory when closing business
I have been wanting to move to a limited company for a while (currently just self employed sole trader buying and selling retail online). Now with making tax digital looming, i want to get it done now so i dont need to bother with it for my sole trader business. Instead i would like to close my business which i have always…
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Anyone here using Quickbooks Sole Trader?
I ask because I've recently transferred to it having previously used Quickbooks Self Employed. I thought it was quite good at first but now I'm having difficulty uploading receipts and wonder if anyone else has had the same problem
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Making tax Digital - 30k - Online seller - Software help
A bit advice please . Just submitted my accounts and been informed by my accountant that I will need to registered for MTD from next year as my income is over £30k threshold ( I am only over this because of interest from my savings ) .. I sell mostly using online platforms through my website , Ebay , facebook etc . Can…
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Zettle by PayPal security alert
Has anyone using a Zettle by PayPal been affected by the security alert (3pm Sunday 7th September). Ours crashed when the security alert happened and is now a ‘brick’. We have spoken to customer services who are unable to help! Not their fault. The terminal is not a mobile phone and customer services can’t explain why the…
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Side hustle made a loss in first year
Hi all. I have a side hustle (alongside a full time PAYE job) that I started in September/October 2024. Between Oct 2024-Mar 2025 I made around £1,900 so I know I need to now reigster the business. However, my set up costs, training, and expenses were around £4,500 so I am at a net loss. I have a few main questions: - Will…
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Payments on Account and Income Tax Calculators
Two questions. I'm self-employed but have been offered a PAYE job. According to my rough spreadsheet, I will owe over £1000 tax over the tax year but will have paid a significant chunk of it through PAYE. My question is whether payments on accounts will apply to me or not? HMRC say that they apply unless 'the amount of tax…
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Small business account & account filing software
I have 2 very small Ltd businesses, one I have a free business account with Mettle which gives me free access to use FreeAgent to file my accounts & tax. It’s simple, efficient, linked & free. I'm very happy with it. My 2nd business is currently dormant, I file my dormant accounts through the government website however all…
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Problems linking Zettle card reader to PayPal
I don't know if anyone can offer any useful suggestions, I'm only getting scripted replies from PayPal, even when I phone. I'm involved in running the local Flower and Craft Show. It's a small event, we're not a Registered Charity, nor a Company Limited by Guarantee. The most official thing about us is our NatWest…
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Southern Water complaints
As the owner of a small community based coffee business, my business has been virtually pushed to the wall by Southern Water. In November 2024, I reported a burst water main at the site of a previous major pipe refurbishment in Portsmouth. The extensive repairs lasted some 4 months and were being undertaken by Southern…
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Southern Water false meter readings and an inflated bill
I'm wondering if anyone else has had a similar situation. I received a bill from Southern Water stating that they took a meter reading on 1 September. The reading they had was quite low considering we used more water than normal that period. I also didn't recall seeing a Southern Water van at all on the day they took the…
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How to distribute business savings and who to use?
Hi I have a small business and currently have £400k in the account and only need £30k as a float so need to move my money so its protected but also getting the best interest rates. Ive read about Flagstone and wondered if this is the best way to go or to have a number of accounts up to £85k in order that the money is…
