Director self assessment planned with your company accounts within 90 days
Self assessment for directors works better when dividends, salary and benefits are checked with the company accounts in autumn. Your personal bill is then planned before January.
Can’t recommend these guys enough, saved the day when our previous accountant hadn’t been filling properly and we were facing fines. Worth their…Regent Barbers · Read the reviews
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A few quick questions, then a fixed monthly fee in writing and the free VAT and structure check. About two minutes, no tie in.
The return is only the last step. The real question is whether anyone checked how you paid yourself while there was still time to act.
Concrete Accounts is a Liverpool accountancy practice that handles director self assessment alongside company accounts for owner-managed limited companies across the UK. Work is covered by a fixed monthly fee with software included, and Barnaby trained at a Top 10 accounting firm.
Company directors
The dividend total nobody checked before January
- Rated 5.0 on Google
- Fixed monthly fees, software included
- VAT, CIS, payroll and year end handled
- Liverpool, Wirral and Cheshire, UK-wide
What changes before the January bill lands
Know the bill before January arrives
Your likely personal tax is discussed in autumn, giving you time to put the money aside.
Keep company and personal totals together
Salary, dividends and benefits are checked against the company work before filing.
Ask one person what counts
Barnaby gives you a plain answer on WhatsApp, phone or email.
Where a director’s return starts going wrong
Most January surprises began with a decision made months earlier.
- Dividends
“I took dividends whenever the bank allowed, and nobody checked the total before year end.”
The company paperwork and personal return can stop matching. The problem then appears close to filing.
- Benefits
“The company paid for a benefit, but I only heard it mattered when my return was due.”
A company-paid benefit can affect the personal return. Finding it late leaves less time to check the treatment.
- Tax bill
“My accountant sent the personal tax amount in January, when the money had already gone elsewhere.”
The return may be correct, yet the bill still arrives without a plan for paying it.
- Day 90
What changes once the advice is in the room
Salary, dividends and benefits are checked while the company work is current. Your likely personal bill is discussed in autumn. You know what to put aside before the January deadline.
Quick check · no email
If your accountant cannot explain your dividends, estimate your personal tax bill before it lands and answer this week, you have the wrong accountant
Answer three questions about the accountant handling your company now.
Question 1 of 3
Could they tell you this week whether your salary and dividend split still fits?
Could they estimate your personal tax bill before the company year end closes?
Could they confirm which benefits need reporting before they prepare your return?
None of those answers are available, so the gap is real. The set-up review checks what has been missed and what needs attention first.
Some of the routine is working. Check the missing answer before January, especially if company and personal amounts are handled separately.
Three yeses means the current set-up is doing its job. Keep it and use the guides when a new director decision comes up.
Filing the return is only half the job
A filing service can submit a correct return. The difference appears months earlier.
Return prepared in January
Salary and dividends are collected after the year has ended.
Benefits are checked when the deadline is close.
The personal tax amount arrives with little warning.
Advice comes after the decisions have been made.
Return planned with company work
Salary and dividends are checked during the year.
Benefits are identified while the company work is current.
The likely personal bill is discussed in autumn.
You know what to put aside before January.
What must be checked before filing begins
Eight yes or no checks show whether the return is ready.
- 01
Is every salary payment included in payroll?
It should agree with the company accounts.
- 02
Has every dividend been recorded with its date and amount?
The total should match the personal return.
- 03
Have company-paid benefits been identified?
Each one needs checking before filing.
- 04
Do the company accounts and personal amounts agree?
Any difference needs explaining first.
- 05
Has taxable income outside the company been considered?
Barnaby will ask what else applies.
- 06
Has the likely bill been explained before January?
You should know what to put aside.
- 07
Is money already set aside for personal tax?
The current account should not decide this.
- 08
Can your accountant answer questions before filing?
The decisions happen before the return.
What sits behind a correct personal return
The return draws on work already completed for your company.
Company accounts that agree
Salary, dividends and benefits are checked against the year-end accounts.
Pay decisions checked earlier
Barnaby reviews how you pay yourself before the personal deadline.
Filing without the January scramble
The return and likely bill are explained before submission.
Entry 01
Why Barnaby built the routine differently
The practice began after he saw the same avoidable problems repeatedly.
Clients described by type. Names withheld.
What clients say
Can’t recommend these guys enough, saved the day when our previous accountant hadn’t been filling properly and we were facing fines. Worth their weight in gold!Regent BarbersGoogle review · 10 months ago
Exceptional service. Communication is clear, timely, and consistently accessible. After years of dealing with an accountant who was difficult to reach and overly formal, working with someone this reliable and solution focused has been a significant improvement. Strongly recommend.James HenryGoogle review · 10 months ago
I’ve been blown away by the service from Barnaby! My accounts went from being a constant mental burden to something I feel completely under control — all thanks to him. Now I can shift my mental energy to running my business rather than worrying about unexpected tax bills. Barnaby not only stays on top of everything, but also sends me financial reports so I have clarity and always know exactly what’s going on, which has made running my business enjoyable again!Oliver NoakesGoogle review · 10 months ago
How your return is settled before January
The work starts with the company, months before the personal deadline.
Your director pay is mapped
We gather your salary, dividends, benefits and previous return alongside the company information.
Company and personal amounts agree
Payroll, dividend paperwork and the year-end accounts are checked against what belongs on your return.
Your likely bill is discussed
Barnaby explains the expected personal tax in autumn and what you should put aside.
The return is ready early
The final checks happen before January, with the amount and filing position explained in plain English.
Who this joined-up routine works for
It suits an established limited company wanting ongoing accounts and tax work handled together.
It is unsuitable for someone seeking a one-off personal return with no ongoing company work.
It is unsuitable for a side hustle or a business that has only just started.
Concrete Accounts will never alter amounts to make a bill disappear.
The set-up review checks the fit before you decide anything.
Questions directors ask before January arrives
What does Self assessment for directors include in the monthly fee?
Within an ongoing limited company package, the monthly fee covers the director’s return alongside bookkeeping, year-end accounts and corporation tax. Salary, dividends and company-paid benefits are checked against the company work. The cloud software is included, and you get a plain explanation of what is due and when.
Can you check my return if I already have an accountant?
Yes. The free check can show whether the return, company accounts and corporation tax are being joined up properly. If your accountant already covers that and explains the bill early, you may be well served. If something is missing, Barnaby can explain what a switch would involve.
Do I have to move accounting software?
Usually no immediate move is needed just to discuss the service. Concrete Accounts reviews the software and company data you already use, then explains what needs to change. If a switch is agreed, cloud software is included in the monthly fee and the data is moved during onboarding.
What happens with my current accountant if I switch?
Concrete Accounts contacts your current accountant directly and requests the company information needed. The handover is managed during onboarding, so you do not have to run messages between both firms. Barnaby then checks what has already been filed and what still needs attention.
When should Self assessment for directors start?
Start in the autumn, once the company accounts contain enough information to check salary, dividends and benefits. That gives you time to understand the likely personal bill and put money aside before the 31 January deadline. Waiting until January leaves fewer chances to correct missing paperwork or discuss how you pay yourself.
What information goes on a director’s personal tax return?
Your return may need salary, dividends, benefits and other taxable income, depending on your circumstances. Concrete Accounts matches the company amounts to the personal return and asks for anything held outside the company. Barnaby explains what is included before submission, so the totals do not appear for the first time in January.
Three ways to take the next step
Get your return into the routine
Answer a few quick questions for a personalised recommendation. If there is a fit, the free review comes next.
Get a free quote 02 · A question firstNeed to ask about a dividend?
Ask Barnaby a question about your current set-up before deciding.
Ask Barnaby a question 03 · Still decidingStill deciding when to start?
Read the guides for plain answers on director pay, company tax and January deadlines.
Read the guides →