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Cloudkeepers

Everything a limited companyhas to file, handled.

Accounts, Corporation Tax, confirmation statements, payroll and your own tax return, all under one fixed fee, with advice on the most tax-efficient way to take money out.

Company director in a blue shirt thinking at his laptop beside a coffee cup in a modern office

What makes your finances different.

Two sets of filings

A company files accounts with Companies House and a tax return with HMRC, on different deadlines and in different formats. The director then files a personal return as well.

The money is not yours yet

Company profit belongs to the company until it is paid out as salary, dividend or pension. Taking it the wrong way, or before the profit exists, creates director's loan charges and S455 tax.

Director pay is a calculation

The right mix of salary and dividends changes with every Budget. For 2026/27 the basic and higher dividend rates rose by two points to 10.75% and 35.75% (the additional rate stays 39.35%), which shifts the balance towards pension contributions for many directors.

Companies House is tightening up

Identity verification for directors and people with significant control became mandatory in 2025, and small companies will soon have to file a profit and loss account. Compliance is no longer a formality.

What we do for you.

  • Prepare statutory accounts under FRS 102 Section 1A or FRS 105 and file them at Companies House
  • Prepare the Corporation Tax computation and CT600 and file it with HMRC
  • Calculate the optimal salary and dividend mix and prepare dividend vouchers and board minutes
  • Run director and staff payroll with RTI submissions and pension auto-enrolment
  • File the annual confirmation statement and keep the statutory registers
  • Monitor the director's loan account so it never drifts overdrawn at year end
  • Prepare the directors' personal Self Assessment returns
  • Handle VAT registration and quarterly returns if the company is registered

The tax rules that matter here.

Corporation Tax
19% on profits up to £50,000, 25% from £250,000, marginal relief between. Limits are shared between associated companies. Tax is due nine months and one day after the year end; the return within twelve months.
Dividends in 2026/27
The £500 dividend allowance is tax-free; above it dividends are taxed at 10.75% in the basic band, 35.75% in the higher band and 39.35% in the additional band. Dividends can only be paid from accumulated post-tax profit.
Director's salary
A salary of £12,570 uses the personal allowance, earns a State Pension qualifying year and is deductible for Corporation Tax. Employer's National Insurance of 15% applies above £5,000 unless the Employment Allowance is available.
Overdrawn director's loans
If a director owes the company money nine months after the year end, the company pays S455 tax at 33.75% of the balance. It is repaid when the loan is cleared, but the cash is tied up in the meantime.
Employer pension contributions
Contributions the company makes to a director's pension are deductible for Corporation Tax and carry no National Insurance or income tax at the point of payment, within the £60,000 annual allowance.

Rules and rates are those in force for 2026/27 at the time of writing. Check your own position before acting.

Run your own numbers first.

Worth asking.

  • A limited company accountant prepares and files the statutory accounts, Corporation Tax return and confirmation statement, runs payroll, advises on how directors should pay themselves, and handles VAT and the directors' personal tax returns. Most firms, including ours, bundle this into a fixed monthly fee.

Talk to an accountant who works with limited companies every week.