VABK Ltd

VABK Ltd Money is energy, not stress. I teach entrepreneurs to align strategy with soul — healing hidden money patterns and creating calm, confident profit growth.

We know that running a business is not easy and it does take time to get set up and running, and then comes the administration part. Having a Virtual Assistant can free up your time for you to do what you love. There are no taxes to be paid, as if you would have employees, there is no insurance to pay, no pension, no space needed in your office for them to work, no need to worry about keeping them

busy 8 hours a day and many more advantages. With a Virtual Assistant you only pay for the work completed with no minimum or maximum hours set up. As more and more people are using Social Media for business advertising, our more popular service used is social Media Management, from setting up profiles to posts and answering queries. We have credted 4 different packages to suit youw needs, that can be found on our website. Data Entry and Email Management are the next 2 very popular services used. For the full list of services provided please visit our website: mariavirtualassistant dot com.

PAYE Month 5 is due today. June payroll payment deadline for cheque and postal payments is 19th August. Electronic payme...
19/08/2026

PAYE Month 5 is due today. June payroll payment deadline for cheque and postal payments is 19th August. Electronic payment deadline is 22nd August.
If you have not filed your July Full Payment Submission, do it now. The FPS must be filed before the payment.
HMRC's system catches late PAYE automatically. There is no officer reviewing your account and making a judgement call. It is a system. It finds the late payment. It records it. Four or more late payments in a year triggers a formal penalty.
Message us if VABK can take payroll off your plate going forward.

CIS monthly return is due today. Every subcontractor you paid in July must be on this return. Every payment. Every deduc...
19/08/2026

CIS monthly return is due today. Every subcontractor you paid in July must be on this return. Every payment. Every deduction. Every UTR.

If you have made any payments to unverified subcontractors, the deduction rate is 30%. If you applied the wrong rate, the correction needs to happen now, not at year end.

Late CIS returns start at £100 and increase to £300 after two months. A nil return is still required if you made no payments.

VABK manages CIS monthly returns for construction businesses. Message us if you need support with today's filing.

You ignored the HMRC letter. It is still there. Ignoring it has not made it smaller and it has not started a clock that ...
18/08/2026

You ignored the HMRC letter. It is still there. Ignoring it has not made it smaller and it has not started a clock that was not already running.

Most HMRC letters are not as bad as people fear. A compliance check. A discrepancy query. A VAT inspection notice. Almost all of them have a straightforward response.

But every day that passes without a response is a day of interest accruing, a day of HMRC drawing their own conclusions from the silence, and a day that the resolution becomes more complicated than it needed to be.

Open the letter. Find out what it actually says. Then call us.

VABK handles HMRC correspondence for clients across the UK. Message us.

You are paying subcontractors without verifying them through CIS first. Every single one of those payments is a complian...
13/08/2026

You are paying subcontractors without verifying them through CIS first. Every single one of those payments is a compliance risk.

If a subcontractor is unverified, HMRC requires you to deduct 30% rather than 20%.

If you have been deducting the wrong rate, you are liable for the difference. Not the subcontractor. You.

Verification takes five minutes through your HMRC online account or your CIS-compatible software. It must happen before any payment is made. Not after. Before.

VABK manages CIS verification and monthly returns for construction businesses across the UK. Message us.

CIS deductions sitting with HMRC are your money. Not a bonus at year end. Not a nice surprise. Your money, deducted from...
11/08/2026

CIS deductions sitting with HMRC are your money. Not a bonus at year end. Not a nice surprise. Your money, deducted from every payment you received as a subcontractor, sitting in an HMRC account waiting for someone to claim it back.

How long has it been sitting there?

If your contractor has been deducting 20% from your payments and nobody has filed a CIS repayment claim on your behalf, you are owed money right now. In some cases significant money, built up over multiple years.

The claim process is straightforward. What it requires is someone who knows to file it.

Message us CISRECLAIM and we will check your position.

MTD for Income Tax Q1 deadline is today. If you are a sole trader or landlord earning over £50,000 and your records are ...
07/08/2026

MTD for Income Tax Q1 deadline is today. If you are a sole trader or landlord earning over £50,000 and your records are not digital and submitted through your MTD-compatible software, you are already late.

The penalty system is points-based. One point per late submission. Four points equals a £200 penalty. Every subsequent late submission adds £200 more.

If you are in scope and have not submitted: do it today. If your software is not set up: message us now. If you are not sure whether you are in scope: message us and we will tell you in five minutes.

VABK handles MTD IT compliance for clients across the UK.

You are turning over good money and still feel broke at the end of every month. That is not an income problem. That is a...
06/08/2026

You are turning over good money and still feel broke at the end of every month. That is not an income problem. That is a structure problem and they have completely different fixes.

The income answer is: earn more. Work harder. Take on more jobs.

The structure answer is: look at where the money is going. Your tax reserve. Your PAYE timing. Your subcontractor payment schedule. Your invoice collection. The gap between when you bill and when you get paid.

Most construction business owners we speak to have never had someone sit down with them and show them where the money actually goes. Not the headline numbers. The real flow.

That conversation changes everything.

Message us to book a cash flow review for your business.

Your books are three months behind. Your accountant cannot plan what they cannot see and they cannot save you from what ...
04/08/2026

Your books are three months behind. Your accountant cannot plan what they cannot see and they cannot save you from what they don't know is coming.

Three months of unreconciled transactions means three months of decisions made without the full picture. It means your VAT return is a guess. It means your corporation tax estimate is fiction. It means the letter from HMRC that arrived last week is sitting unanswered because you are not sure what the number should be.

Getting your books current is not an admin task. It is the thing that makes every other financial decision possible.

Message us today and we will tell you honestly how far behind you are and what it takes to fix it.

31/07/2026

31st July — Pay Today

Today is the second payment on account deadline for Self Assessment 2025/26.

If you have not yet paid — pay now. Not this afternoon. Now.

How to pay: online bank transfer to HMRC. Sort code 08-32-10, Account number 12001039. Reference: your 10-digit UTR followed by K.

If you cannot pay in full: call HMRC Business Payment Support on 0300 200 3835. A Time to Pay arrangement today is significantly better than a late payment penalty and interest accruing from tonight.

And while you are sorting July — the MTD IT Q1 quarterly submission is due 7th August. Next week. If your records are not digital and complete, that needs your attention today too.

VABK manages Self Assessment and MTD compliance for clients across the UK. Message us.

Tomorrow Is 31st July — Pay Today The second payment on account for Self Assessment 2025/26 is due tomorrow — Thursday ...
30/07/2026

Tomorrow Is 31st July — Pay Today

The second payment on account for Self Assessment 2025/26 is due tomorrow — Thursday 31st July.

Make the payment today. Bank processing times mean a transfer made tomorrow morning may not clear until Friday — after the deadline.

How to pay: bank transfer to HMRC. Sort code 08-32-10, Account number 12001039. Reference: your 10-digit UTR followed by K.

If you do not know your UTR: it is on your Self Assessment registration confirmation, any HMRC letter, and in your HMRC online account.

Do not leave it until tomorrow.

VABK manages Self Assessment for clients across the UK. Message us.

Address

Upton Mount
London
NG196NL

Opening Hours

Monday 10am - 3pm
Tuesday 10am - 3pm
Wednesday 10am - 3pm
Thursday 10am - 3pm
Friday 10am - 3pm

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