We keep the books for businesses across North London in Xero or QuickBooks: bank feeds reconciled to the statement, sales and costs coded, payroll and CIS posted each month, and VAT returns filed under Making Tax Digital from the same records. From 6 April 2026, sole traders and landlords with qualifying income over £50,000 also have to keep digital records and send HMRC quarterly updates, with the threshold falling to £30,000 from April 2027.

• Bookkeeping services
• Small business accountant in North London

You must register for VAT once taxable turnover passes £90,000 in any rolling twelve months, or straight away if you expect to pass it in the next 30 days alone, and you can ask to deregister if it falls below £88,000. We register businesses, choose the scheme with them and file the returns under Making Tax Digital. The detail — schemes, the reverse charge, food and partial exemption — is on our VAT pages.

• VAT returns and registration
• VAT accountant in Enfield

Tax planning is mostly timing. A tax accountant in North London is useful before the year closes, while choices can still change the bill, not after it has been added up.

For company owners

Corporation tax is 19% on profits up to £50,000 and 25% above £250,000, with marginal relief in between — so profit in that middle band is taxed at more than 25% at the margin. How much you take as salary and how much as dividends, and when, is decided against that band and your personal rates, not by a rule of thumb.

For individuals

Between £100,000 and £125,140 of income the personal allowance is withdrawn, which makes that slice of income unusually expensive. A pension contribution or Gift Aid made in time can bring it back down. Selling a second property brings capital gains tax at 18% or 24%, reported and paid within 60 days of completion — easy to miss if nobody tells you it is coming.

• Limited company accountant in North London
• Personal tax returns and planning

We act for sole traders, limited companies, landlords, contractors and professionals throughout North London. Whether you are registering your first business or running an established company, you get the same service: accurate compliance, sensible tax planning and advice in plain English.

• Company formation and business start-up support
• Bookkeeping, VAT returns and Making Tax Digital
• PAYE payroll, auto-enrolment and CIS
• Year-end accounts and corporation tax
• Self-assessment tax returns for individuals and directors
• Landlord and property tax, including capital gains

We cover Finchley, Enfield, Barnet, Southgate, Muswell Hill, Crouch End, Camden, Islington, Haringey, Hampstead and Wood Green — but we are not limited to a postcode. If you are in North London and want an accountant who answers quickly and explains things properly, we would be glad to help.

We keep your filings clean, tell you what tax is coming before it lands, and respond within one working day when you get in touch. Your first meeting is free and the fee is agreed in writing before any work starts. We also speak Turkish, Persian/Farsi and Italian if that makes life easier.

Our office is in Finchley, and we act for clients right across North London. Each of these has its own page setting out the local picture and the kind of work we do there:

• Accountants in Finchley
• Accountants in Barnet
• Accountants in Enfield
• Accountants in Southgate
• Accountants in Palmers Green
• Accountants in Muswell Hill
• Accountants in Winchmore Hill
• Accountants in Whetstone
• Accountants in Hendon
• Accountants in Golders Green
• Accountants in Crouch End
• Accountants in Hornsey
• Accountants in Harringay
• Accountants in Wood Green

Some businesses have tax rules of their own, and general advice is not much use to them. These pages set out what changes and what we do about it:

• Construction and CIS subcontractors
• Recruitment agencies
• International logistics and freight
• Landlords and property investors
• Amazon, Shopify and eBay sellers
• Restaurants, cafés and takeaways
• Contractors and IR35
• Start-ups and new companies

North London is not an administrative area. Nobody sets a budget for it, nobody collects a tax in its name, and there is no line on a map you could point at. What there are, underneath it, are boroughs — and for a business, the borough is the part that has consequences.

The borough sets your business rates

Business rates are collected by the local authority, and the reliefs available are partly national and partly the borough's own discretion. Two shops a mile apart on either side of a boundary can be treated differently: different revaluation appeals process in practice, different local relief schemes, different timing on the bills. If you rent commercial premises, the first thing worth knowing is which council issues your bill — not which district the postcode is usually called.

It also sets licensing and planning

A late licence, a pavement licence, a change of use from retail to restaurant, a street trading consent — all of that is the borough. It is not an accountant's job to obtain them, but it is very much an accountant's job to know that the fee is deductible, when it falls, and what happens to your projections if the application takes four months rather than four weeks.

Which borough are you in?

The areas we cover most sit across Barnet, Enfield and Haringey, with the boundaries falling in places that surprise people. Finchley and Whetstone are Barnet. Southgate, Palmers Green and Winchmore Hill are Enfield. Crouch End, Hornsey, Harringay and Wood Green are Haringey. Muswell Hill is Haringey too, though it is often spoken about as if it were Barnet. Each of these has its own page:

• Accountants in Finchley
• Accountants in Barnet
• Accountants in Whetstone
• Accountants in Hendon
• Accountants in Golders Green
• Accountants in Enfield
• Accountants in Southgate
• Accountants in Palmers Green
• Accountants in Winchmore Hill
• Accountants in Muswell Hill
• Accountants in Crouch End
• Accountants in Hornsey
• Accountants in Harringay
• Accountants in Wood Green

This is a fair question and the honest answer is that it depends on what you need, not on where anyone is based. Both models work. They fail differently, which is the more useful thing to know.

What the online model is genuinely good at

Volume compliance at a low price. If your affairs are one company, one bank feed, no VAT complication and no property, a good online service will file your accounts accurately and cheaply, and you will rarely need to speak to anyone. There is nothing wrong with that, and if it is what you need you should not pay more for something you will not use.

Where it tends to come apart

The moment your situation stops fitting the form. A property sold mid-year. A relative paid through the payroll. A VAT registration that should have happened four months ago. An HMRC letter you do not understand. These are the points at which you want somebody who already knows the history and will pick up the phone, rather than a ticket queue and a new name each time. The cost of getting one of those wrong is usually larger than the whole year's fee difference.

What being local is actually worth

Less than people claim, and more than nothing. Records move electronically now and a meeting works perfectly well on video. What local buys you is the option of sitting down with somebody when it matters, and an adviser who already knows how the trade you are in behaves around here — which is a real advantage in a place where the same street can hold a food business, a builder and a landlord.

Across Barnet, Enfield and Haringey a few patterns repeat often enough that we have written them up separately. If one of these is you, start there rather than here — the page will be about your problem rather than your postcode.

• Restaurants, cafés and takeaways
• Construction and CIS subcontractors
• Landlords and property investors
• Amazon, Shopify and eBay sellers
• Contractors and IR35
• Start-ups and new companies

We also work in Turkish, Persian/Farsi and Italian, which for a lot of North London businesses is the difference between an annual conversation and a useful one.

• Turkish-speaking accountant
• Persian/Farsi-speaking accountant
• Italian-speaking accountant

Finance Wise Accounting is run by chartered accountants — ACCA and ACA qualified. The initials are easy to check: both ACCA and ICAEW publish public registers of their members and firms, and it is reasonable to look before you hand anyone your records.

What membership means for you in practice: a written engagement letter setting out what we do and what we charge, professional indemnity insurance, anti-money-laundering supervision, required continuing education so advice keeps up with rule changes, and a professional body to complain to if something goes wrong. It is not a promise of perfection. It is a promise that there is a standard and someone enforcing it.

The office is at 235 Regents Park Road, Finchley N3 3LF, a short walk from Finchley Central station on the High Barnet branch of the Northern line. Buses 13 and 460 stop at Mountfield Road on Regents Park Road, close to the door.

Four more routes call at Finchley Central: the 125 (from Winchmore Hill via Southgate, Whetstone and North Finchley, and from Hendon), the 143 (from Archway via Highgate and East Finchley, and from Hendon Central), the 326 (from Barnet via New Barnet and Whetstone, and from Hendon Central) and the 382 (from Southgate via Arnos Grove).

You do not have to come in: you can work with us entirely by phone, email and video call, and we respond within one working day.

North London is three councils as far as a business is concerned, and postcodes do not follow the lines: N10 is split between Barnet and Haringey, N14 between Barnet and Enfield, N13, N18 and N22 between Enfield and Haringey, and N11 touches all three. The council named on your business rates bill is the one that counts.

Small business rate relief is set nationally and applied by the council: a business with one property whose rateable value is below £15,000 can get relief, and below £12,000 the relief is 100%. Taking on a second property can take it away from the first, so it is worth checking before you sign a lease rather than after the bill arrives.

• Barnet Council: business rates
• Enfield Council: business and licensing
• Haringey Council: business rates

The services we provide across North London include year-end accounts and corporation tax, payroll and business advice. Each has its own page with what is included and how we work.