Cheltenham accountants: what we do and where we are
Searching for Cheltenham accountants who can turn complicated figures into a plan? Phinch is based in Weston-super-Mare, about an hour and a quarter away, and we work with limited companies, founders, partnerships, sole traders, landlords and private clients in and around the town. Cheltenham has more cyber and defence contractors than almost anywhere in the country, plus professional firms, independent shops, hospitality and a festival calendar that makes trade lumpy. Cash flow and reporting needs vary a lot. We keep your bookkeeping up to date, submit VAT returns through Making Tax Digital, run payroll, prepare annual accounts and complete corporation tax returns accurately and on time.
Good tax planning starts while there is still room to choose. Contractors around GCHQ often need to weigh up umbrella against their own limited company, and directors need to review salary, dividends and pension contributions. Property investors ask us about rental profits, allowable costs and capital gains tax, and people with several income streams use us for Self Assessment. Owners improving Regency properties in Montpellier, Pittville and Lansdown also run into the question of what counts as a repair and what counts as capital work, and the answer changes what you can claim. Our UK tax planning team can compare the options before a sale, a property disposal or a big change in income.
I am a business
Cheltenham has more cyber and defence contractors than almost anywhere in the country, plus a festival calendar that makes hospitality income lumpy. We work with both kinds of business, and we do it from Weston-super-Mare by video and our secure client app.
I am an individual
Contractors deciding between umbrella and limited company, landlords with a Regency flat to maintain, and people earning from several places all need the same thing: a plan before the tax year ends, not after. We can give you one without you leaving Cheltenham.
How we work with Cheltenham clients from Weston-super-Mare
We do not have an office in Cheltenham. Our office is in Weston-super-Mare, and the accountants who look after our Cheltenham clients work by video call and through our secure client app, where documents, questions and approvals all live. You get a named contact who knows the background, replies within one working day and raises issues before a deadline becomes urgent. Fees are agreed up front, so routine questions never create a surprise invoice. For a planning meeting where sitting down together helps, we can arrange to meet.
Making Tax Digital for Income Tax has changed the timetable for sole traders and landlords. Since 6 April 2026, those with qualifying income above £50,000 have needed digital records and quarterly updates, with the threshold falling to £30,000 from April 2027 and £20,000 from April 2028. We can set up compatible software, tidy the records and manage each submission. We also combine US tax returns with UK reporting for American citizens, green card holders and people who move between countries for work. That covers worldwide income, foreign tax credits, FBAR reporting and treaty positions, plus advance planning for anyone moving to the UK. We can work with you anywhere in Cheltenham, including Montpellier, Pittville, Leckhampton, Charlton Kings, Prestbury and Hatherley, and we also look after clients in Gloucester and Swindon.
Our Expertise - Core services
Financial Statements
Accurate financial statements and statutory accounts, prepared on time to meet Companies House and HMRC rules and clarify business performance.
Corporate Tax Compliance
Stay ahead of deadlines with accurate corporation tax returns, CT600 calculations, relief claims and compliant filing with HMRC.
Management Accounts
Turn current financial data into better decisions with tailored management accounts, cash flow insights, KPIs and monthly or quarterly reviews.
UK Self-Assessment
Stress-free UK Self Assessment support for the self-employed, directors, landlords and people with multiple incomes, filed accurately and on time.
US Tax Returns
Specialist US tax return and FBAR support for American expats and UK investors, covering worldwide income, foreign tax credits and treaty advice.
UK Personal Tax Advice
Personalised UK tax planning to minimise liabilities, maximise savings and support tax-efficient investment, retirement and estate decisions.
VAT Compliance
Keep VAT accurate and compliant with expert registration, return filing, Making Tax Digital, cross-border advice and HMRC investigation support.
Frequently Asked Questions
No. Our office is in Weston-super-Mare, about an hour and a quarter away. The accountants who look after our Cheltenham clients work by video call and through our secure client app. Nothing in the process needs you to travel.
For a planning meeting, a business sale or a family discussion, yes, by arrangement. For the routine work most Cheltenham clients find video quicker, and the client app keeps everything in one place between calls.
Yes. We support founders and limited companies with bookkeeping, VAT, payroll, annual accounts and tax planning as they move from early contracts to a more structured finance function. Regular management information helps owners keep an eye on recurring revenue, staffing costs and cash runway. We also help individual contractors decide between umbrella and their own company.
Yes. Race week and the festivals mean a few very busy weeks and some quiet ones. We keep the records current, review the VAT treatment of different sales and build a reporting routine around the peaks, so you can see the quieter months coming and know what cash you have for staffing or investment.
Yes. The scope and fee are agreed before work begins, so routine questions within that service do not produce surprise hourly charges. If your needs change, we discuss any revised scope before doing the extra work. Get in touch for a quote.
Once you authorise the change, we contact your previous adviser, request professional clearance and your records, and agree which deadlines need attention first. You do not normally have to wait until year end. Most handovers finish within two to four weeks.
Since 6 April 2026, Making Tax Digital for Income Tax has applied to sole traders and landlords with qualifying income above £50,000. The threshold falls to £30,000 in April 2027 and £20,000 in April 2028, so it is worth checking your total qualifying income early.
Testimonials
What our clients say about us
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If you want to contact us right now, please call us on
01934 404000
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