Fiscal Umbrella Accountants
Limited company accountant in Luton who goes beyond filing forms
Limited company accountant in Luton for directors who want accounts filed properly and advice before tax, VAT, pay or hiring decisions.
A filing deadline can be met while the wrong VAT scheme or pay structure stays untouched. The real question is what your accountant checked before asking you to sign.
Fiscal Umbrella is a Luton accountant for growing limited companies, run by Fasih Khan, who is ACCA qualified. Fixed fees are agreed in writing, with accounts, tax and advice on VAT schemes, director pay and specialist reliefs handled together.
I was stuck with my R&D claim, but Fiscal Umbrella helped me navigate it smoothly. They're professional, efficient, and truly know their stuff.…Cartel Media
- Fasih Khan ACCA
- Fixed fees in writing
- Luton office
- UK-wide remote
What changes once advice joins the accounts
Plan before the tax is due
See the corporation tax position before payment is due, while there is still time to plan.
Use the VAT scheme that fits
Use the VAT scheme that matches how and where the company sells.
Pay yourself after a proper review
Review salary, dividends and payroll before taking more money from the company.
The decisions that expose a filing-only service
A missed filing is obvious. Advice that never arrived often costs more.
- Tax bill
“The corporation tax bill arrived, and nobody had warned me what the company needed to keep aside.”
Cash set aside for a supplier or hire has to cover tax instead.
- VAT
“We have used the same VAT scheme since registration, even though where we sell has changed.”
The return may still follow old assumptions about sales, suppliers and overseas transactions.
- Dividends
“I still take the same salary and dividends we chose when the company was incorporated.”
Payroll and personal tax may no longer match the company you run today.
- Day 90
What changes once the advice is in the room?
Fasih checks the decision before it becomes another line in the accounts. VAT, director pay and corporation tax are discussed while choices remain open. The filing then reflects a plan rather than an old habit.
Quick check · no email
If your accountant can’t check your VAT scheme, forecast tax before it lands and reply this week, you have the wrong accountant
Answer these three questions about the service your current accountant provides.
Question 1 of 3
Could they tell you this week whether your VAT scheme is the right one?
Could they tell you what your corporation tax bill will be before it lands?
Could they reply this week with an answer you can use for a live decision?
Those are basic decisions for a growing limited company. The set-up review is the next step if none is covered.
The current service covers part of what the company needs. The employment allowance example below shows why the missing answer still deserves a check.
Your current accountant is covering the decisions that matter. Read the guides if you want another view before making any change.
What changes when advice is part of the job?
A filing-only service can suit a company whose setup rarely changes. Growth creates decisions that annual forms cannot settle.
A filing-only service
Year-end accounts and corporation tax are prepared for filing.
VAT returns follow the scheme already in place.
Salary and dividends are recorded after the decisions are made.
Questions outside the annual work may sit outside the service.
Fiscal Umbrella
The year-end work includes a check of the decisions behind it.
The VAT scheme is reviewed when sales, suppliers or markets change.
Salary, dividends and payroll are discussed before money is taken.
Fasih gives a straight answer while the decision can still change.
What should already be checked each year?
These checks show whether the accountant is keeping up with the company.
- 01
Is the VAT scheme reviewed when sales or suppliers change?
The scheme should still match how and where the company trades.
- 02
Is corporation tax forecast before the payment date?
The company should have time to protect cash needed elsewhere.
- 03
Are salary and dividends reviewed before money is taken?
Director pay should reflect the current tax position.
- 04
Has payroll been checked for employment allowance?
Who appears on payroll can affect whether the allowance is available.
- 05
Are overseas sales and purchases treated correctly for VAT?
Import VAT and reverse charge treatment should match each transaction.
- 06
Does the bookkeeping reconcile sales, refunds and fees?
The VAT return should follow what actually happened.
- 07
Are relevant tax reliefs discussed before year end?
A relief cannot guide a decision nobody raises.
- 08
Does someone deal with HMRC letters and explain them?
The director should know what HMRC needs and what happens next.
What Fiscal Umbrella checks beyond the accounts
The work follows the decisions a growing limited company has to make.
Accounts that explain the tax position
Year-end accounts, corporation tax and director Self Assessment are prepared with the decisions behind them reviewed.
Salary and dividends checked before payment
Payroll, dividends and employment allowance are considered together before the director takes money out.
VAT and reliefs checked as trading changes
VAT schemes, overseas transactions and relevant specialist reliefs are reviewed when the company changes direction.
Entry 01
One payroll question can change how you pay yourself
Single-director payroll can leave a valuable allowance out of reach.
What clients say
How the switch becomes useful advice
The old accountant is not contacted until the scope and written fee are agreed.
The reason for switching is understood
Answer a few quick questions, receive a personalised recommendation and, if there is a fit, arrange the free review.
Your filing position is checked
Fiscal Umbrella contacts your accountant and requests the bookkeeping files, filed returns and tax history.
Advice reaches current decisions
VAT, payroll, corporation tax and outstanding HMRC correspondence are checked against current decisions.
The year has a working rhythm
Deadlines, regular work and advice are set around how the company actually trades.
Who fits this service, and who does not
The service is for limited companies rather than sole traders, partnerships or LLPs.
Corner shops, takeaways, transport, haulage, courier and taxi businesses are outside the focus.
Startups seeking investor introductions are not a fit.
Companies choosing solely on price or refusing suitable software are unlikely to benefit.
The intake quiz will show whether the set-up review is the right next step.
Questions directors ask before changing accountant
What does a limited company accountant in Luton include in a monthly fee?
The written proposal sets out the work included for your company. It can cover year-end accounts, corporation tax, VAT, bookkeeping, payroll and the director’s Self Assessment. Advice on the VAT scheme, salary and dividends is included where agreed. The fee is fixed in writing before work begins.
Can I speak to a limited company accountant in Luton if I already have an accountant?
Yes. Start with the intake quiz rather than ending the current appointment. If there is a fit, the free review looks at the VAT scheme, tax position and how you pay yourself. You can then compare the written scope with the service you receive now before deciding whether to move.
Do we have to move to different accounting software?
Only where the current setup cannot handle the company’s transactions or reporting properly. Fiscal Umbrella supports Xero, QuickBooks, A2X, Hubdoc and Dext. Any recommended change is explained before work begins, including how sales, purchases, receipts and payroll will move across.
What happens with our current accountant when we switch?
Once you accept the written proposal, Fiscal Umbrella contacts the current accountant and requests professional clearance, bookkeeping files, filed returns and payroll details. The handover is managed around existing deadlines so VAT, payroll and year-end work continue while responsibility moves across.
Does my limited company need to be based in Luton?
No. Fiscal Umbrella meets Luton directors in person by appointment and works remotely across the UK by phone, Zoom, Teams and WhatsApp. Local professional services and construction companies can use the Luton office, while online sellers and technology companies can work remotely.
How is Fiscal Umbrella different from a filing-only accountant?
A filing-only accountant prepares the required returns and accounts. Fiscal Umbrella also checks the decisions behind them, including the VAT scheme, director pay, payroll and relevant reliefs. The aim is to raise those questions before the year end or payment date, while the director can still act.
Three ways to take the next step
See whether the review fits
Answer a few quick questions for a personalised recommendation and, if there is a fit, the free review.
Check if you fit 02 · A question firstNeed to ask Fasih something first?
Send your question and explain the decision that needs an answer.
Ask Fasih a question 03 · Still decidingStill deciding whether to switch?
Read the guides for practical checks on VAT, director pay, tax and changing accountant.
Read the guides →