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Another great event in Baldock this weekend - Balstock Music Festival 👏![]()
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#Baldock #Balstock
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The Autumn Budget will take place on 26th November 2025, but what changes can small business owners expect? No one knows for sure, but current speculation predicts:![]()
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1. Business Rates Adjustments![]()
The current Retail, Hospitality & Leisure (RHL) relief—covering 75% of rates—is set to drop to 40%, capped at £110,000, escalating costs for many smaller operators.![]()
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2. VAT Reforms & Threshold Speculation![]()
No change to the headline VAT rate (20%) is expected, but the VAT registration threshold may be adjusted.![]()
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3. New or "Stealth" Business-Focused Levies![]()
With major taxes (income tax, VAT, National Insurance) off-limits per manifesto pledges, the Chancellor may introduce:![]()
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- National Insurance on landlords’ rental income![]()
- Reforms to Capital Gains Tax (CGT), Inheritance Tax (IHT) and pension tax reliefs![]()
- New targeted levies—e.g., on high-value property transfers or wealth—commonly referred to as "stealth taxes."![]()
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4. Productivity & Investment Focus![]()
The Chancellor has emphasised that boosting productivity will be at the heart of the Budget - through new infrastructure investments and reforms that smooth planning and reduce red tape.![]()
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Whatever changes are introduced, we'll be keeping you updated.![]()
If you need any expert advice for your business, get in touch to book a FREE initial consultation with our Baldock team.![]()
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#McColes #Baldock #smallbusinessadvice #AutumnBudget #AutumnStatement #accountant #CharteredAccountant
VAT can feel like a minefield for small businesses.![]()
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That’s why we're here to make it simple:![]()
✅ Help with VAT registration![]()
✅ Filing returns on time![]()
✅ Staying compliant with HMRC![]()
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Less stress. More time to grow your business.![]()
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Message us today and let us take the hassle out of VAT.![]()
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#SmallBusiness #VAT #McColes #Accountant #CharteredAccountant #Baldock #hertsbusiness
Important Changes to Statutory Sick Pay from April 2026![]()
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From 6 April 2026, significant reforms to Statutory Sick Pay (SSP) will come into effect. These changes will impact all UK employers and employees.![]()
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The key changes include:![]()
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▶ SSP payable from Day One – the current three-day waiting period will be removed.![]()
▶ Removal of the lower earnings limit – all employees, regardless of income level or contracted hours, will qualify for SSP.![]()
▶ Revised calculation method – SSP will be the lower of:![]()
▪ 80% of an employee’s usual weekly earnings, or![]()
▪ The flat weekly rate (currently £118.75).![]()
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What this means for employers:![]()
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▶ Increased SSP costs due to wider eligibility and immediate entitlement.![]()
▶ The need to update payroll systems and processes to ensure accurate calculations.![]()
▶ A review of employment contracts, absence policies and budgeting to reflect the new rules.![]()
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We are working with clients to plan for these changes - helping businesses update their payroll, forecast potential costs and remain compliant. ![]()
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If you would like advice on how these reforms may affect your business, get in touch with our Baldock team.![]()
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#McColes #Accountant #CharteredAccountant #Baldock #HertsBusiness #SickPay #SmallBusiness
Plenty happening for all the family today at Baldock Beer Festival 😃![]()
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It’s a great event that we’re proud to be sponsoring 🤩 and what better way to raise money for charity!![]()
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#Baldock #beerfest #BaldockBeerFestival #McColes
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When this happens, it's usually because the owner only shared it with a small group of people, changed who can see it or it's been deleted.Client reviews
Lisa helped us set up our business over ten years ago and has remained our accountant ever since. We can always rely on her and the team for support and advice. Whether you are setting up a new business or looking for help with an existing one, we wholeheartedly recommend McColes & Co.
Elwyn Simmons
Apollo Interiors