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Whether you’re an established business,                                                                                                        or an entrepreneur starting a new venture,                                                                                                                                     we’ve got you covered.

                           provide expert advise to help you build, grow and protect your business.

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Kindal Ltd is registered in England and Wales with company number 16537103. Registered Office: 19 Quarry Close, Handbridge, Chester, CH4 7LG.

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Kindal support businesses of all sizes with simple, affordable solutions for your accountancy needs. 

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  • 16 July 2025

Briefing Note: Mitigation the Impact of 3.6% Inflation on Your Business

The current UK inflation rate of 3.6% presents several challenges for businesses, it’s important to be proactive in order to protect your business from these pressures.

Read More
  • 19 July 2025

HMRC Cracks Down on Restaurants: What You Need to Know

Running a restaurant or takeaway is hard enough right now – rising costs, tight margins, and fierce competition. But HMRC is turning up the heat, and hospitality businesses are firmly in the spotlight.

 

Read More
  • 21 July 2025

Changes called for at UK Start Up Accelerators

The Entrepreneurs Network calls for the requirement for programmes such as accelerators and incubators to have minimum standards and defined features, enforced by an accreditation scheme.

Read More
  • 24 July 2025

Briefing Note: Start Ups failed by bias towards London and Tech Firms

The UK’s start-up ecosystem is increasingly biased towards London-based, tech-focused ventures — leaving entrepreneurs in other critical sectors and regions underserved.

Read More
  • 30 June 2025

The Rising Cost of Employment: SME's feel the Pinch of NI Increase

Since the Government’s recent increase in National Insurance Contributions (NICs), small business owners across the UK are feeling the strain, contending with wage inflation, in addition to rising energy costs, and tightening consumer demand.

Read More
  • 25 June 2025

Small Businesses Are Missing the Mark on Corporation Tax

According to HMRC’s Measuring Tax Gaps 2025 report, small businesses failed to pay around 40% of the corporation tax they owed in 2023–24. Many directors underestimate the risks or miss deadlines, leading to HMRC enforcement.

Read More

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ChatGPT Image Jul 17, 2025 at 06_34_13 PM

Briefing Note: Impact of 3.6% Inflation on Your Business

The current UK inflation rate of 3.6% presents several challenges for businesses, it’s important to be proactive in order to protect your business from these pressures.

Key Impacts

  • Rising Input Costs: Raw materials, utilities, and wage increases will continue, putting pressure on your profitability.

  • Weaker Demand: Your customers are facing higher living costs, non-essential spending is being cut back by every demographic .

  • Tighter Cash Flow: Difficulty in passing on higher costs can affect liquidity.

  • Higher Borrowing Costs: Interest rates remain elevated, making loans and credit more expensive.

Mitigation Strategies

  1. Review Pricing: Consider modest price adjustments where justified, while maintaining competitiveness.

  2. Control Costs: Audit your expenses, renegotiate supplier contracts, and reduce non-essential spending.

  3. Improve Efficiency: Invest in process improvements or automation to reduce waste and increase productivity.

  4. Cash Flow Management: Monitor cash flow closely, shorten payment cycles, and build reserves where possible.

  5. Strengthen Customer Relationships: Focus on delivering value and service to retain loyal customers.

  6. Seek Kindals Advice: We can help you to take measured steps now, to minimise the impact of inflation and maintain financial stability during this period.

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ChatGPT Image Jul 17, 2025 at 06_34_13 PM

HMRC Cracks Down on Restaurants: What You Need to Know

Running a restaurant or takeaway is hard enough right now – rising costs, tight margins, and fierce competition. But HMRC is turning up the heat, and hospitality businesses are firmly in the spotlight.

In a recent move, HMRC publicly “named and shamed” 98 restaurants and takeaways for underpaying tax – all in a single day. Together, those businesses owed £10.4 million in unpaid tax and were hit with £9.2 million in penalties.

So why the sudden crackdown?

HMRC suspects some restaurants are using Electronic Sales Suppression (ESS) – a type of till fraud that hides real sales to reduce tax bills. It also believes many are paying staff cash-in-hand to avoid payroll taxes.

According to our tax expert, HMRC is “making an example” of hospitality businesses. “Restaurants and takeaways are easy targets,” he says. “With inflation squeezing profits, it’s tempting for some to cut corners – but the penalties can be severe, even criminal.”

The bottom line: HMRC is watching, and the risks of getting it wrong are real. If you run a restaurant or takeaway and want to make sure your business is staying compliant, we’re here to help.

We offer specialist support for hospitality businesses – from payroll and VAT to tax planning and HMRC negotiations. Get in touch for advice before HMRC comes knocking.

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Changes called for at UK Start Up Accelerators

The Entrepreneurs Network, calls for the requirement for programmes such as accelerators and incubators to have minimum standards and defined features, enforced by an accreditation scheme.

Britain hosts over 500 accelerator programmes, according to the report, however, without clear standards and shared definitions, it has claimed there is a risk that entrepreneurs will struggle to navigate the support ecosystem and identify what programmes will be of genuine help.

“The UK has plenty of startup support programmes, but we don’t always know if they actually work,” said Philip Salter, founder of The Entrepreneurs Network.

“Founders can’t even be sure these programmes will still exist before they finish. We need reforms that make programme outcomes transparent and reward schemes that create lasting impact.”

According to the report, citing data from Beauhurst, only 57% of listed incubators or accelerators are actually active, while a third have closed, and 10% are in a “state of limbo”.

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Briefing Note: Start Ups failed by bias towards London and Tech Firms

The UK’s start-up ecosystem has long been heralded as a global leader. However, its structure is increasingly biased towards London-based, tech-focused ventures — leaving entrepreneurs in other critical sectors and regions underserved. For SME directors outside the capital or operating in sectors like manufacturing, retail, services, or green energy, this imbalance presents serious challenges in accessing funding, support, and visibility.

Most UK start-up money and support still flows to London and the South East: over 80% of venture capital lands there, and the biggest accelerators, incubators and networks are London-centric. That leaves founders in the North, Midlands, Wales and other regions with thinner access to investors, mentors and grant pipelines.

Government-backed schemes such as SEIS, EIS, and Innovate UK grants tend to prioritise tech-driven sectors like fintech, AI, and digital platforms. Businesses in critical sectors such as manufacturing, construction, care, and food production — which are vital for local economies — often receive less attention and capital.

At Kindal, we specialise in supporting small business owners and start-up entrepreneurs across the UK. Our team helps clients tap into alternative funding options, offer practical guidance on business planning, HMRC registration, tax efficiency, and growth strategy—giving founders the tools to succeed without needing to fit a “tech start-up” mould. Whether you’re launching a new venture or growing a local business, Kindal can help you access the right support, wherever you’re based.

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The Rising Cost of Employment: SME's feel the Pinch of NI Increase

Since the Labour Government’s recent increase in National Insurance Contributions (NICs), small business owners across the UK are feeling the financial pinch. Introduced as part of a broader plan to boost public services and tackle national debt, the higher NICs have placed additional strain on employers already contending with wage inflation, rising energy costs, and tightening consumer demand.

For many SMEs, the rise in employer NICs — typically from 13.8% to 15% — has increased the cost of employing staff by hundreds, if not thousands, of pounds per year. Businesses operating on tight margins — such as those in retail, hospitality, or care — have found the hike particularly burdensome, often forcing difficult decisions around recruitment, hours, or pricing.

While Labour argues that the additional revenue will improve NHS and social care services — which, indirectly, could benefit business health and employee wellbeing — the immediate impact for SMEs is a significant rise in payroll overheads.Some have passed on the cost to customers, while others have frozen hiring or scaled back growth plans. At a time when many small firms were looking for stability and recovery, the NIC increase has added to operational uncertainty.

At Kindal, we help small business owners navigate the rising cost of employment by offering tailored payroll strategies, tax-efficient remuneration planning, and advice on staff structuring. Whether it’s reviewing the use of dividends versus salary, implementing salary sacrifice schemes, or exploring allowable benefits to reduce National Insurance liabilities, our expert team ensures your business remains compliant while optimising cost-efficiency.

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Small Businesses Are Missing the Mark on Corporation Tax

According to HMRC’s Measuring Tax Gaps 2025 report, small businesses failed to pay around 40% of the corporation tax they owed in 2023–24. This growing gap is driven largely by tightening cashflow, with many business owners prioritising wages, suppliers, and rent over tax bills. While understandable in a tough economy, this shortfall can lead to penalties, interest, and scrutiny from HMRC, putting further strain on already-stretched businesses.

Another key factor is the growing misuse of Directors’ Loan Accounts (DLAs), where company owners borrow money from their own businesses. If these loans aren’t repaid within nine months of the financial year-end, the company faces an extra 33.75% tax charge. Many directors underestimate the risks or miss deadlines, leading to underreported liabilities and mounting tax debts that trigger HMRC enforcement.

Non-payment of corporation tax doesn’t just cause cash issues—it can damage business credit, delay access to finance, and result in personal financial exposure for directors. HMRC is stepping up compliance activity and staffing to crack down on tax shortfalls, so now is the time for business owners to review cashflow planning, track DLAs carefully, and speak to Kindal so we can advise on how to properly manage DLAs and Corporation Tax moving forward.