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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.

05/06/2026

Behind every set of accounts is a person trying to build something.

It is easy to think of bookkeeping as numbers in a spreadsheet. We have never seen it that way.

Behind every set of books is someone who took a risk. Someone who left a steady job, or started something on the side, or is trying to provide for a family while building a business at the same time. The numbers are just the visible part of a much bigger story.

That is why we do not only file and reconcile. We try to make sure the person behind the business actually understands what the numbers are telling them, in plain language, without the jargon that makes people feel small.

Good accounting is not about being the cleverest person in the room. It is about making you feel clear, in control, and never caught out.

That is the standard we hold ourselves to, for every client, every month.

Looking for an accountant who treats you like a person, not a file? Comment HELLO below or message the page to start a conversation.

04/06/2026

The Construction Industry Scheme takes deductions at source, and a lot of subcontractors and limited companies in construction end up overpaying across the year without realising it.

We regularly find businesses sitting on CIS refunds they did not know they were due, sometimes going back several years. We also help eligible businesses apply for gross payment status, so the deductions stop coming off in the first place and your cash flow improves immediately.

If you work in construction and CIS is just a line you have learned to live with, it is worth a proper look. The money is often already yours. It is just sitting with HMRC.

This is the kind of work we do every week, and the construction sector is where we are strongest.

Think you might be owed a CIS refund? Comment CIS below or message the page, and we’ll take a look.

03/06/2026

Most limited company directors are paying themselves the wrong way, and it is costing them.

When we take on a new limited company client, this is one of the first things we look at, and one of the most common things we fix.

A lot of directors pay themselves whatever they need, whenever they need it, and leave the rest to sort itself out at year end. It feels simple. It is usually inefficient.

A more considered structure, a director salary set at the right threshold, with the remainder drawn as dividends from profit, can save a meaningful amount in tax over a year, while still protecting your state pension record.

The exact numbers depend on your situation, which is the whole point. This is not a one size fits all calculation, and most generic advice online is already out of date.

If you have never had this conversation properly, it is worth having.

Want a director pay review? Comment REVIEW below and we’ll be in touch, or message the page directly.

01/06/2026

Company cars. Private medical. Interest free loans over £10,000. Gym memberships.

If your business provided benefits in kind during the 2025/26 tax year, they need to be reported to HMRC on a P11D.

The deadline is 6 July. The Class 1A National Insurance on those benefits is then payable by 22 July.

Miss it and the penalties start, and they grow the longer it is left. The good news is that with the right records it is a straightforward job, and we still have time to do it properly before the deadline.

If you are not sure whether you even need to file one, that is exactly the question to ask now rather than in July.

Not sure where you stand on P11D? Comment P11D below and we’ll send you a quick checklist, or message the page for a quote.

30/05/2026

P60s for the 2025/26 tax year must be issued to all employees by 31st May 2026. Tomorrow is the deadline.

If you have not yet generated and issued your P60s, do it today.
Most payroll software generates P60s automatically from your year-end payroll data. If you are using Basic PAYE Tools (HMRC's free software), the P60 function is under the Employees section.

P60s can be issued digitally with the employee's consent or in paper format. Both are compliant.

If you are unsure how to generate them, or your payroll records for 2025/26 are incomplete — message us today. VABK can help.

Missing this deadline is a compliance failure. HMRC is increasingly active in investigating payroll non-compliance.

29/05/2026

The Director's Loan Account (DLA) records money that flows between you and your company outside of formal salary and dividend payments.

If you take money from the company without going through payroll or declaring a dividend — for any reason — it shows as a debit on the DLA: money the company has lent to you.

If the DLA is overdrawn (you owe the company money) by more than £10,000 at your company's year end, it must be declared on your Self Assessment and you pay a benefit-in-kind tax charge on it.

If the overdrawn balance is not repaid within 9 months of the year end, the company pays an additional S455 tax charge of 33.75% of the outstanding amount. This is repayable when you repay the loan, but it is a significant cash flow hit.

Many directors do not realise their DLA is overdrawn until their accountant tells them at year end. By then, the options are limited.

If you are not sure about your DLA position — message us.

28/05/2026

Before May closes:

1. P60s issued. By 31st May, every employee including director-employees must have received their P60 for 2024/25. If this is not done — it needs to happen by Sunday.

2. May payroll processed and submitted. Your RTI submission for May must be filed on or before the pay date. The PAYE payment follows by 19th June (electronic: 22nd June).

3. Your 2024/25 Self Assessment documents gathered. Bank statements, receipts, mileage records, P60s, rental income figures. If you start gathering now, the return itself is straightforward whenever you are ready.

Three actions. An hour of your time. A much cleaner June.
Message us if VABK can take any of these off your plate.

27/05/2026

The profit and loss account shows you what your business earned and spent over a period. The balance sheet shows you what your business is worth at a point in time.

On your balance sheet: assets (what the business owns — cash, equipment, debtors), liabilities (what the business owes — loans, PAYE owed, VAT owed, directors' loan accounts), and equity (the residual value that belongs to shareholders).

Three numbers every director should know from their balance sheet: the current bank balance, the amount owed by debtors (outstanding invoices), and the total liabilities including tax owed but not yet paid.

If your retained profit is growing but your cash balance is shrinking, your balance sheet will tell you why. The P&L won't.

Message us if you want a clear explanation of your current balance sheet position.

26/05/2026

A limited company director — a consultant with a turnover of around £120,000 — came to us for her annual accounts review. She had been with her previous accountant for four years.

In our first review we found: no Employment Allowance being claimed (saving: £5,000 in employer NI). Director salary set £4,000 above the optimal threshold, triggering unnecessary NI. No company pension contributions despite having a personal policy she was contributing to from post-tax income.

We restructured her salary, claimed the Employment Allowance, and set up a company pension contribution of £6,000 per year.

Year one combined tax saving: £4,800.
Not complicated. Not aggressive. Just the structures that should have been in place from the beginning.

Message us to book an onboarding review.

23/05/2026

The Annual Investment Allowance (AIA) allows businesses to deduct the full cost of most plant and machinery from their taxable profits in the year of purchase, rather than spreading the deduction over several years.

The current AIA limit is £1 million per year — sufficient for the vast majority of small and medium businesses.

Qualifying items include: computer equipment, office furniture, machinery and tools, commercial vehicles, and most business equipment.

What does not qualify: cars (which are subject to capital allowances based on emissions), land and buildings, and some leased assets.

If your business has made capital purchases in 2026/27 that have not been put through correctly, this is worth reviewing with your accountant before year end.

Message us to check your capital allowances position.

Address

Upton Mount
London
NG196NL

Opening Hours

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

Website

https://www.vabk.online/

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