Tax Advisory Services for UK Business Owners Who Want to Pay Less

Proactive, ACCA-led tax planning that keeps more of what you earn, legally.

Specialist UK tax advisory services for owner-managed businesses, from an ACCA-qualified accountant who plans ahead, not just files. We build around the 2026/27 rules that actually change your bill: dividend rates, corporation tax marginal relief, capital allowances and Making Tax Digital. You get a named adviser who models the numbers and replies within 72 hours. Fixed pricing from £99 a month, rolling, with a 30-day money-back guarantee.

Book a free 30-minute call with a UK tax consultant

  • 4.9 Google · 63 reviews
  • ACCA-qualified
  • 30-day money-back
Calculator and tax forms on a desk
Our expertise covers

Everything your tax adviser handles, in one bill.

  • 01

    Profit extraction & dividend planning

    Since 6 April 2026, dividend tax is 10.75% in the basic band, 35.75% in the higher band and 39.35% on top, and the dividend allowance is just £500. That makes your salary-versus-dividend split, where your PAYE salary meets your personal tax, matter more than ever. We model the best mix for you, work in the £12,570 personal allowance and National Insurance, and time payouts across tax years to keep your effective rate as low as the rules allow.

  • 02

    Corporation tax & marginal relief

    Corporation tax runs at 19% on profits up to £50,000 and 25% above £250,000, with a 26.5% effective marginal rate in between. We plan around these thresholds, associated company counts, group structure, timing of profits, pension contributions and capital spend, so you are not caught paying the punishing marginal rate by accident. Where business structuring or a group reorganisation would lower the bill, we model that too.

  • 03

    Capital allowances & asset purchases

    We make every pound of qualifying spend work: the £1,000,000 Annual Investment Allowance and 100% full expensing on qualifying plant. The main-pool writing-down allowance dropped from 18% to 14% in April 2026, and a new 40% first-year allowance now applies to qualifying main-rate plant. Timing a purchase either side of year-end can change your tax bill a lot, so we advise before you buy, not after.

  • 04

    Capital gains & crypto tax

    Capital gains tax on most assets is charged at 18% and 24% following the October 2024 changes, with the annual exempt amount now just £3,000. Crypto disposals fall within CGT, while mining, staking and airdrops are taxed as income. Our capital gains tax advice covers the reporting, calculates the gains correctly and plans disposals to use allowances and reliefs efficiently. When you sell or close your company, we check Business Asset Disposal Relief (formerly Entrepreneurs' Relief), taxed at 18% from 6 April 2026.

  • 05

    VAT registration & MTD strategy

    We advise on whether and when to register for VAT against the £90,000 threshold (£88,000 to deregister), pick the right scheme, and get you MTD-ready. Making Tax Digital for Income Tax is now mandatory, since April 2026, for sole traders and landlords with income over £50,000. We set up compliant digital records and quarterly reporting so you stay ahead of it.

  • 06

    Statutory accounts & filing compliance

    We prepare statutory accounts under FRS 105 for micro-entities and FRS 102 1A for small companies, and keep every Companies House deadline: accounts due 9 months after year-end (21 months for a first set) and the confirmation statement filed within 14 days of the review date. No late-filing penalties, no missed dates, just clean, on-time compliance.

  • 07

    Tax investigations & HMRC enquiries

    If a brown envelope lands, you are not facing HMRC alone. We handle enquiries end to end, from a single aspect check to a full COP8 or COP9 investigation, and manage voluntary disclosures before they become a problem. We deal with the correspondence, the deadlines and the dispute resolution, so the disruption to your business stays minimal and the outcome stays in your favour.

  • 08

    R&D tax relief & tax credits

    If you are building, testing or improving a product or process, that work may qualify for R&D relief. Under the merged scheme we calculate your claim, prepare the mandatory additional information report HMRC now requires, and identify whether your company qualifies for the enhanced 27% rate for R&D-intensive loss makers. Robust claims, properly evidenced, with none of the over-promising that gets companies investigated. Hold a patent? We also check whether Patent Box can bring the corporation tax on that income down to 10%.

Who we work with

Who we help.

  • Limited companies

    Owner-managed companies that want the salary, dividend and pension mix right, PAYE and benefits in kind (P11D) handled, and corporation tax kept as low as the rules allow.

  • Sole traders & freelancers

    Self Assessment and Income Tax return preparation handled, expenses captured properly, and a clear plan for when it pays to incorporate.

  • Landlords & property investors

    Rental profits, mortgage interest relief, Stamp Duty Land Tax on purchases, capital gains on disposals and the right ownership structure for your portfolio.

  • Contractors & consultants

    IR35 reviewed, take-home pay optimised and the admin off your plate, whether you are inside or outside the rules.

Why it pays off

What you actually get.

  • A named, ACCA-qualified adviser

    You deal with one named, ACCA-qualified accountant who knows your business, not a call-centre queue or a different person each time. Tax advice that is regulated, accountable and consistent.

  • Proactive planning, not just filing

    Most accountants react after year-end when nothing can be changed. Proactive tax advice means we plan ahead, modelling profit extraction, timing asset purchases, setting up EMI share schemes and using allowances for legitimate tax mitigation, so decisions are made while they can still save you tax.

  • Fixed, transparent pricing

    All our tax advisory services come on fixed plans from £99, £199 and £499 a month, no surprise invoices, no hourly meter running every time you call. You always know exactly what you are paying.

  • Fast replies, backed by a guarantee

    We reply to queries within 72 hours, so you are never left waiting on a decision. And every engagement carries a 30-day money-back guarantee, try us with no risk.

  • Works with your software

    We work seamlessly with Xero, QuickBooks, FreeAgent and Sage, so your records, VAT and MTD reporting all stay in one connected place, no messy migrations required.

How we deliver

Four steps from first call to filed.

  • 01

    Discovery

    Understanding your business needs.

  • 02

    Solution Design

    Crafting your custom accounting strategy.

  • 03

    Onboarding

    Quick and easy integration.

  • 04

    Regular Rhythm

    Consistent monitoring and reporting.

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Common questions

Frequently asked questions.

For 2026/27, most single-director companies pay a small salary plus dividends. A common starting point is a salary at the £12,570 personal allowance. Single-director firms usually can't claim the Employment Allowance, so this creates a small employer's National Insurance cost (15% on pay above the £5,000 threshold) that the corporation tax saving normally outweighs. Dividends are then taxed at 10.75% up to the £50,270 basic-rate limit and 35.75% above it, so past that point a pension contribution or retained profit often beats more dividends. We model your actual numbers rather than use rules of thumb.

Employer pension contributions are deductible against corporation tax with no NI cost, and the annual allowance is £60,000 (tapered down to £10,000 for very high earners). Unused allowance from the previous 3 tax years can be carried forward. For an owner-managed company, this is often the single biggest tax-saving lever available before considering more complex structuring.

Business Property Relief gives 100% IHT relief on qualifying trading company shares held for 2+ years. From 6 April 2026 the 100% rate is capped at a £2.5m combined allowance for Business and Agricultural Property Relief, with 50% relief on value above that. This is core inheritance tax planning and succession planning: we structure share classes, family investment companies, and lifetime gifting strategies to protect value under the new cap. The earlier we plan, the more options stay open.

Our tax advisory services give you a written annual tax plan covering personal, corporate, and (where relevant) inheritance and capital gains positions, plus quarterly check-ins to react to legislation changes or life events. You also get unlimited ad-hoc questions answered within 72 hours by an ACCA-qualified adviser, no clock-watching. Implementation of any restructuring is included, not billed separately.

A tax advisor helps you pay the right amount of tax and no more. The work splits in two: tax compliance, which is preparing and filing your returns correctly and on time, and tax planning, which is structuring your income, business and assets to lower the bill legally. In the UK, this tax advice is given by regulated professionals such as ACCA accountants and Chartered Tax Advisers (CTA, members of the Chartered Institute of Taxation). A good adviser also handles your tax return preparation, deals with HMRC for you, and steps in for dispute resolution if an enquiry opens. For an owner-managed business, it means one person who sees your personal and company tax together. That is what our tax advisory services deliver.

Before any engagement, we run a free 30-minute review and quote the likely annual tax saving. If we can't identify savings that comfortably exceed our fee, we'll tell you. Most advisory clients see 3-10x ROI in the first year from reliefs and structural changes their previous accountant never raised. Good tax advice should pay for itself, and we say so up front if it will not.

We do not bill by the hour or surprise you with timesheets. You pay one fixed monthly fee, agreed before any work starts and based on the complexity of your business, not the minutes we spend. Everything in our tax advisory services sits inside that single bill, so you always know what you are paying and exactly what you get for it.

We act for you, not for HMRC. As your authorised agent we file your returns and deal with HMRC on your behalf, and your information stays confidential. What we will not do is help anyone evade tax, since that is illegal and we are bound by anti money laundering rules. Our tax advisory services are legitimate planning that keeps you compliant while paying no more than you owe.

Zmartly Ltd20-22 Wenlock Road, London N1 7GU020 8175 5145info@zmartly.co.uk
Free · 30 minutes · No obligation

Stop overpaying tax. Start filing in 5 days.

Thirty minutes with an ACCA-qualified accountant. Most owners uncover £1,000-£3,000 in annual savings on the first call. If we are not the right fit, you walk away with a free tax review on the house.

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