Zaphiro Business Solutions

Zaphiro Business Solutions Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Zaphiro Business Solutions, Business service, Glover Road, Scunthorpe.

💜Are you a director of a Limited company?💜So you wonder if you're paying yourself correctly? 🔵SALARY (PAYE)This is a wag...
01/05/2026

💜Are you a director of a Limited company?💜

So you wonder if you're paying yourself correctly?

🔵SALARY (PAYE)

This is a wage paid by the company to you as a director/employee.

💫processed through payroll
💫 Income Tax and National Insurance may apply
💫counts as an allowable business expense for the company
💫gives you a regular, predictable income

🔵DIVIDENDS

Dividends are payments to shareholders from company profits (after Corporation Tax).

💫you can only take dividends if the company has enough profit
💫 they’re not “wages” and aren’t run through payroll
💫they’re usually taken in addition to a salary
💫 paperwork matters (dividend vouchers/minutes) and timing matters

So which is better?
There isn’t one answer for everyone, many directors use a mix of salary + dividends based on profits and personal circumstances.

If you’re taking money out of your Limited Company and you’re not sure whether it should be PAYE, dividends, or a combination, it’s worth getting advice now — it’s much easier to set it up right than fix it later.


💜VAT can be complex and easy to get wrong, especially when you're busy.🤦‍♀️If you’re VAT registered (or getting close), ...
29/04/2026

💜VAT can be complex and easy to get wrong, especially when you're busy.🤦‍♀️

If you’re VAT registered (or getting close), here are the most common mistakes I see and the simple fixes that prevent last-minute panic.

🤔 Mixing up VAT rates

Double-check whether it’s standard-rated, reduced-rated, zero-rated or exempt (they’re not the same). When in doubt, ASK

🤔Claiming VAT you can’t claim

Not everything with VAT on it is automatically claimable for your business.

Keep a clear note of what the purchase was for and flag anything that’s partly personal.💃

🤔Missing invoices/receipts (or losing them)

Set a weekly 10-minute habit to upload/snap receipts and file supplier invoices as they come in.🧾

🤔 Forgetting the VAT deadline (and getting caught short)

Put the deadline in your calendar🗓️ and keep a separate VAT pot so the money isn’t accidentally spent.

🤔Using the wrong VAT scheme (or not reviewing it)

The scheme you’re on can affect cash flow and what you pay.
Review your scheme when your turnover, pricing, or business model changes.

If VAT feels like a constant “uh oh” moment, a quick check-in with a Bookkeeper can save you a lot of stress (and money).

If you need some support when it comes to VAT then reach out today.

💜If I could sit down with every new business owner for 10 minutes, I’d tell them this😊💫You don’t need to have it all fig...
27/04/2026

💜If I could sit down with every new business owner for 10 minutes, I’d tell them this😊

💫You don’t need to have it all figured out
You need a starting point, a willingness to learn, and a way to keep showing up.

💫 Being busy isn’t the same as building a business
The goal isn’t to fill every hour, it’s to do the work that actually moves things forward.

💫 Your numbers matter earlier than you think
Not because you need to be 'good at finance' but because clarity gives you confidence.
Know what’s coming in, what’s going out, and what you need to earn to make it worth it‼️

💫 Systems aren’t corporate, they’re kind
A simple process for enquiries, invoicing, and admin saves you from late-night panics.📊

💫You don’t have to do it alone 🤦‍♀️
The most successful business owners build support around them, even if it starts small.

If you're a new start up and want to make sure you're fully compliant with HMRC and also have an understanding of what your business numbers truly mean then I would love to get to know you more.

💜My IN-BOX is always OPEN 💜


💜Turnover looks great on paper but it doesn't pay your bills‼️I’ve seen businesses with “impressive” sales still feel st...
19/04/2026

💜Turnover looks great on paper but it doesn't pay your bills‼️

I’ve seen businesses with “impressive” sales still feel stressed every month because the money isn’t staying in the business or it’s not there when it’s needed.

Here’s the difference:

⭐Turnover = what you bring in
⭐Profit = what you keep after costs
⭐Cash flow = when the money actually hits your bank (and what’s going out)

You can have high turnover and still struggle if:

🤔 your costs have crept up
🤔 your pricing doesn’t match your time/overheads
🤔 clients pay late
🤔 tax/VAT hasn’t been set aside
🤔 you’re busy but not profitable

A healthier goal to focus on:

💃stronger margins (profit)
💃predictable cash flow
💃 a plan for tax
💃paying yourself consistently

Because a business that looks successful isn’t the same as a business that feels sustainable.

If you want a clearer picture of what’s really driving your numbers, book a FREE discovery call with me today.

💜How has this week been for you? Drop me an emoji to let me know. My answer is in the comments!
17/04/2026

💜How has this week been for you? Drop me an emoji to let me know. My answer is in the comments!

💜New Tax year, clean slate!!💜 Not in a “new year, new me” way… more in a “let’s make this easier on future me” way. 🤦‍♀️...
15/04/2026

💜New Tax year, clean slate!!💜

Not in a “new year, new me” way… more in a “let’s make this easier on future me” way. 🤦‍♀️

Most business owners don’t struggle because they’re bad with money, they struggle because the bookkeeping admin gets pushed to the bottom of the list until it becomes a overwhelming.

This year, the goal isn’t perfection. It’s good habits that keep you in control all year round.💃

😍A few simple financial-year habits that make a big difference:

💫Weekly money admin (15–30 mins): check bank balance, invoices due, bills coming up

💫Keep records as you go: snap receipts, upload invoices, don’t “save it for later”

💫Separate business + personal: keep spending clean so your numbers actually mean something

💫Monthly check-in: review income, expenses, and what’s changed (before it surprises you)

💫Ask for help sooner: bookkeeper/accountant support isn’t just for year-end, it’s for clarity all year!

What’s one habit you’re taking into the new financial year to make your business feel lighter? Let me know, im curious🤔

💜If you have already started a side hustle in 2026, you’re on the right track! A side hustle is an amazing way to create...
14/04/2026

💜If you have already started a side hustle in 2026, you’re on the right track!

A side hustle is an amazing way to create extra income, explore your passions, and even build a full-time business. 🙋‍♀️

The key to making it successful is treating it like more than just a hobby.

Even if it’s part-time now, taking it seriously will set you up for long-term success.💫

Here are some tips to help you turn your side hustle into something bigger.

What’s one thing you wish you knew when you started? Drop it in the comments!





People don’t come to me just for bookkeeping and accounts. They come because they want to feel clear, confident, and lo...
13/04/2026

People don’t come to me just for bookkeeping and accounts.
They come because they want to feel clear, confident, and looked after when it comes to their finances.💜

Trust is everything!😥

Let’s be honest your finances are personal.
So when you choose a bookkeeper/accountant, you're choosing someone that you can trust with sensitive information and important deadlines.

I am careful with your data.💜

I handle personal and financial documents every day, so I take data security seriously and I'm always mindful about what I request, how it’s stored, and who has access.

No jargon. Just clarity.🤦‍♀️

My job isn’t to drown you in accounting terms.

It’s to explain what your numbers actually mean in plain English, so you can make decisions like:

💫 Can I afford to hire someone?
💫Is my pricing working?
💫 What do I need to set aside for tax?
💫 Where is my cash really going?

The outcome:

Less stress 😒
Fewer surprises 🤦‍♀️
Better decisions backed by accurate numbers.📊📈

If you’ve ever nodded along to financial jargon and thought “I have no idea what that means”… you’re not alone.

What’s one thing you wish you understood better about your business finances?

Let me know, I may be able to help ✍️

Zaphiro Business Solutions


“Why do you need my passport/driving licence. I’ve never had to do this before?”If you’re a new client, it can feel a bi...
13/04/2026

“Why do you need my passport/driving licence. I’ve never had to do this before?”

If you’re a new client, it can feel a bit intense when your bookkeeper/accountant asks for ID and proof of address upfront.
What’s really going on (and why it matters):

It’s not us being awkward, it’s part of our Anti-Money Laundering 🙋‍♀️(AML) responsibilities.

I am legally required to verify who I am working with and understand the business behind the numbers.

From time to time, I may need to re-check or update the ID I hold on file, especially if:

💫your details change (address, name, business structure)

💫time has passed since I last verified you

💫regulations are updated

💫something in the business changes and I need to refresh my records

Reassurance:

I will always keep requests proportionate, explain what I need, and store documents securely.

If you’re ever unsure why I'm asking, just ask and I will be happy to talk you through it.
Zaphiro Business Solutions

Even in the quiet times, keeping your cash flow steady is key to staying in business. Here are 5 actionable strategies p...
09/04/2026

Even in the quiet times, keeping your cash flow steady is key to staying in business.

Here are 5 actionable strategies plus a bonus tip to help:

1. Follow up on unpaid invoices, offer early payment discounts, or set up automated reminders to get cash in faster.

2. Negotiate better terms with vendors suppliers to extend your payment timeline without penalties.

3. Keep your business visible even during slow times. Engage with your audience, run promotions, and stay visible.

4. Ensure your pricing reflects the value you provide. Adjust if needed to improve profitability.

5. Collaborate with other businesses for joint promotions or bundled services to reach new customers.

Bonus tip: Consider a business line of credit or short-term funding to maintain cash flow without stress.

Staying on top of your finances and bookkeeping helps you accurately forecast your business, especially during slower periods.

Address

Glover Road
Scunthorpe
DN171AS

Website

Alerts

Be the first to know and let us send you an email when Zaphiro Business Solutions posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category