LDM Accounting Services

Does your accountant only tell you the numbers, not what they mean? 👇

Getting your accounts and tax return filed is one thing.

But if you’re sent the numbers with no explanation, that’s not really helping you run your business.

You should understand:

1️⃣ What your profit means
2️⃣ What tax you’re likely to owe
3️⃣ How much you can safely take out
4️⃣ What you can do before year-end

Because the numbers are only useful if you know what they’re telling you.

Comment SWITCH if you want an accountant who explains your numbers properly.

3 times a holding company might actually be worth it 👇

1️⃣ You have surplus cash
You want to move profits away from trading risk.

2️⃣ You want to reinvest
For example, into property, shares, or another business.

3️⃣ You’re planning to sell
A group structure can sometimes help with future exit planning.

Holding companies can be useful, but they are not automatically the right answer for every business.

Comment HOLDING if you’d like some more info.

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.

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.

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.

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.

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.

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 👇

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.

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. 📋