Our Blog
Director’s loans explained: The complete guide for limited company directors
Director’s Loans are still one of the most underused and misunderstood areas of running a limited company. Whether, as a limited company director you’re navigating unexpected personal expenses, managing your cash flow, or just trying to remain compliant, it’s [...]
Are pension contributions an allowable business expense for directors?
Pension contributions are often one of the most tax-efficient expenses a limited company can pay on behalf of its directors. However, many business owners are unsure whether pension contributions qualify as an allowable business expense and how the tax [...]
VAT Schemes: Which one is right for your business?
It’s important to ensure your business is using the correct VAT scheme, as it directly affects your cash flow, admin workload, and overall tax efficiency. So, whether you’re approaching the VAT limit or you’re already registered, it’s important to [...]
Can Contractors Claim Client Entertaining and Staff Entertainment Expenses
Entertainment expenses are one of the most misunderstood areas of tax for limited company directors. Many contractors assume that if an expense is business-related, it must be tax deductible. However, HMRC applies different rules depending on who receives the [...]
SG Accounting announced as a finalist in this year’s Contracting Awards
SG Accounting has been announced as a finalist in this year's Contracting Awards in the Best Contractor Accountancy (1,000 – 3,000 clients) category. We’re so pleased that our commitment to delivery nothing but the highest level of quality, compliance [...]
Why Clients Default to Inside IR35 (and What This Means for Contractors)
If you’ve ever had a contract assessed as inside IR35 and felt frustrated or powerless, you’re not alone. Many contractors find that roles which should fall outside IR35 are classified inside - sometimes because the client simply doesn’t want [...]
Moving Between Inside and Outside IR35
Since the IR35 reforms in 2021, contracting has changed for good. Many professionals now move between inside and outside IR35 roles depending on the client, the project, or market conditions. If you’ve found yourself switching between the two, you’re [...]
Limited Company vs Inside IR35 – What Actually Changes?
IR35 doesn’t stop you from contracting - it simply changes how you operate. When a role is outside IR35, you trade as an independent business through your Limited Company. When it’s inside IR35, the client or agency treats the [...]
How to Tell if You Are Inside or Outside IR35
Understanding whether you’re inside or outside IR35 isn’t about memorising tax law - it’s about recognising how your working relationship actually looks in practice. HMRC focuses on what you do day to day, not what your contract says on [...]
How to Protect Your IR35 Position Before a Contract Starts
Once a contract has begun, most of the factors that decide IR35 status are already in place. That’s why the best time to protect your position is before you sign. The end client carries the tax liability if an assessment [...]
What Is IR35?
As a contractor, how you are taxed depends on how HMRC views the nature of your engagement - not just how you view it, or even how the agency or client describes it. IR35 is the legislation that governs [...]
Why Should I Use a Specialist Limited Company Contractor Accountant Instead of a General Accountant?
If you're starting out as a limited company contractor, choosing the right accountant is one of the most important decisions you'll make. While a general accountant can handle standard bookkeeping and tax returns, a specialist contractor accountant understands the [...]
What Responsibilities Do You Have as a Limited Company Director?
If you've decided on a limited company as the best business model for you, and want to know more about what that means in terms of your directorial responsibilities, then this article is for you. As a limited company [...]
What Insurance Do I Need as a Limited Company Contractor?
If you've decided to contract through a limited company and are wondering about what insurances you need, then this article is for you. Setting up a limited company as a contractor means taking on the responsibility for protecting your [...]
What Are the Pros and Cons of Contracting Through a Limited Company?
One of the first key decisions every new contractor needs to make is how to structure their business. Whilst there are several ways to operate, such as working through an umbrella company or as a sole trader, many contractors [...]

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