We are a small, friendly, pro-active accountancy practice providing a full range of services to local clients in Lancaster, Morecambe and Kendal, and online throughout the UK, using online accounting software such as Quickbooks, Free Agent and Kashflow. Personal services and affordable fees. Free initial consultancy for new businesses.

Professional Associations & Certifications

  • Fellow of The Association of Chartered Certified Accountants (FCCA)
  • Member of the Institute of Chartered Public Accountants (ICPA)

Serviced Areas

  • Lancashire & Cumbria

Contact Details

  Website
  City Carnforth
  Postcode LA5 8DN
  Address 56a Main Road
  Phone Number 015 2482 4240

Products & Services

We provide book-keeping, payroll and VAT services for a large number of our clients. We offer a fully flexible service using some of the most popular and modern software packages, including online/cloud software where our clients have full access to their data for review and reports.

Instead of using separate book-keepers and accountants, with us, it’s all “in house”, which means that there is a seamless integration between the book-keeping, payroll and VAT processes and the annual accounts preparation. Not only does this make it a quicker “year end” process, it also means the year end is more efficient and cheaper for our clients. It also enables us to monitor our clients’ business during the year which gives us an opportunity to flag up any problems or opportunities that would otherwise be missed until after the year end.

We have found from experience that total fees (book-keeping and year end accounts) are usually cheaper when we do it all “in house” than when clients use a book-keeping firm and then a separate accountant for the year end work.

Customer Testimonials

I contacted Philip following a notice from hmrc that my Self Assessment tax return was to be investigated. Near nervous breakdown is putting it mildly! Philip steered me calmly and professionally through the investigation. The final, hugely positive result was more than I could have hoped for. How many accountants do you know who you really want to hug?! This guy is a genius and my new hero.


I must admit I found it refreshing to be able to have a conversation with an accountant who lives in the real world and could actually talk about business.


Many thanks for all of your efforts in the HMRC investigation, it’s been invaluable to have your help throughout. I feel very lucky to have such as great person as my accountant. Thanks again.

From Our Website

The reduced rate applies to supplies provided by the hospitality, holiday accommodation and attractions and reduces the rate of VAT charged from 20% to 5% on supplies of holiday accommodation, takeaway food, restaurant/cafe meals eaten on the premises, and admissions to tourist attractions. 1.6 million self employed were excluded from the SEISS scheme because their trading profits in 2018/19 were less than half their total income, or losses were made, or profits were over 50,000. These criteria were only enforced for self employed and not employees, which was, apparently a ministerial decision.


We are a small family accountancy practice offering a full range of personal, affordable and professional services to owner-managed businesses, freelancers and contractors, throughout the UK. The principal, Philip Hoyle, has over 35 years experience in small business accountancy and is a Fellow member of The Association of Chartered Certified Accountants, one of the UK's major accountancy regulatory bodies.


As a small business selling to individual consumers you will be acutely aware of the VATregistration threshold which has been frozen at 85,000 until at least 31 March 2022. But what happens if you temporarily exceed that threshold? When a business submits its VAT returns or VAT payments late, whether via MTD sofware or the old HMRC website, the business will enter the VAT penalty surcharge system. Small businesses with turnover of less than 150,000 get one free. In just over six months, builders, contractors and other trades associated with the building industry will have to get to grips with a new way of accounting for VAT.