Sole Trader Accountants and Self Assessment in Heald Green, Greater Manchester
Last reviewed
SBR A Ltd works as sole trader accountants in Heald Green and across Greater Manchester, preparing accounts and Self Assessment tax returns. Saad Bin Riaz, ACCA member since 2023, is your named accountant and agrees the fee before work starts. Send a few details about your business and he will come back with a quote.
Saad Bin Riaz, ACCA member since 2023, holds an ACCA practising certificate.
Who this service is for
This service suits sole traders and self-employed people in Heald Green and Greater Manchester who want sole trader accountants to look after their accounts, their Self Assessment tax return and their deadlines.
01
Someone who has just become self-employed and faces their first tax return.
02
An established sole trader who files a return every January.
03
A tradesperson, freelancer or consultant working under their own name.
04
A sole trader who wants to hand over the accounts and the deadlines.
05
Someone moving from another accountant.
Do you need an accountant as a sole trader?
No law requires a sole trader to use an accountant. A sole trader must still keep records, register for Self Assessment where required, and file the tax return and pay the tax on time, and is responsible for it being right. Many sole traders choose an accountant when the records, the deadlines or the tax rules take more time than they want to spend. Some choose one from the start, so the first return is set up properly and nothing is left until January.
Practitioner noteWhat Saad Bin Riaz sees most often
In my experience the most common problem for sole traders is records, not tax. Business and personal money go through the same account, receipts are kept in a drawer or not at all, and the figures are pulled together in January. Keeping a simple record of income and expenses through the year, and setting money aside for the tax bill, avoids most of the stress later.
If the business trades through a company instead of in your own name, the page for limited company accountants covers accounts and corporation tax instead.
What a sole trader accountant does at SBR A Ltd
A sole trader is one person trading in their own name, so the accounts, the tax return and the tax bill all sit with that person. The table shows what Saad Bin Riaz takes on and when.
| Service | What you get | When |
|---|---|---|
| Business accounts | Your income and expenses for the tax year summarised into accounts and a profit figure. | After the tax year ends and before the return is filed |
| Self Assessment tax return | Prepared and filed with HMRC by Saad Bin Riaz after the figures are reviewed with you. | By the filing deadline in the dates section below |
| Tax calculation and payment dates | The tax due worked out, with the amount and the date of each payment, including any payments on account. | When the return is filed |
| Deadline reminders | Saad Bin Riaz contacts you before each date, so records are in hand before the deadline arrives. | Before every deadline |
What is included in sole trader accounts at SBR A Ltd?
Saad Bin Riaz prepares the sole trader’s accounts of income and expenses, calculates the tax and files the Self Assessment tax return. Bookkeeping support can be included where the business needs it. The scope is agreed with each sole trader in Heald Green and Greater Manchester before work starts.
A service outside the agreed scope is discussed first, so the fee you agree covers exactly what you expect. Nothing is added without your agreement. This page covers sole traders; the full list is on the page for all accountancy services.
How it works
Six steps from first contact to a filed return, with nothing done before the fee is agreed in writing.
Get in touch
Use the contact form, or call or message Saad Bin Riaz on WhatsApp. Say what you do and when you started.
A conversation about the business
Saad Bin Riaz talks through what the business earns, how it keeps its records and what you need from an accountant.
A written quote
You receive a fee quote and an engagement letter, and the fee is agreed before any work starts.
Records and software
Your records are set up in Xero, QuickBooks, Sage or FreeAgent, or in the system you already use.
Accounts and return prepared
The accounts and the Self Assessment tax return are prepared, then reviewed with you before anything is filed.
Filing with HMRC
The return is filed with HMRC, and deadline reminders follow for the next year.
Moving from another accountant
SBR A Ltd can take over from your current accountant. Saad Bin Riaz asks for the previous returns, accounts and any HMRC correspondence, and sets up the authorisations needed to act for you with HMRC. Tell him you are changing accountant when you get in touch.
How does SBR A Ltd take on a sole trader as a new client?
A sole trader contacts SBR A Ltd through the form, by phone or on WhatsApp, and Saad Bin Riaz in Heald Green talks through the business and what it needs. He then sends a written fee quote and engagement letter. Once the sole trader agrees, he sets up the records, prepares the accounts and tax return, and reviews them with the client before filing.
Self Assessment dates for sole traders
The tax year runs from 6 April to 5 April. These are the dates for the 2025 to 2026 tax year, and sole trader accountants track each of them for every client.
| What | Deadline | Notes |
|---|---|---|
| Register for Self Assessment | By 5 October after the end of the tax year in which you started trading, if your gross trading income is over £1,000 | Check GOV.UK for your own circumstances |
| Paper tax return, 2025 to 2026 tax year | 31 October 2026 | Online filing is the usual route |
| Online tax return and payment of tax owed, 2025 to 2026 tax year | 31 January 2027 | Filing and paying are both due this date |
| Payments on account | 31 January and 31 July | Where they apply, they are advance payments towards the next year’s bill |
| Business records | The tax year runs from 6 April to 5 April | Keep records of business income and expenses for each tax year |
These dates depend on the individual’s own circumstances, and late filing or late payment can bring penalties. Dates checked against GOV.UK on 10 October 2026. Sources: registering for Self Assessment, Self Assessment deadlines and keeping records.
What usually goes wrong around filing dates
Late filing is rarely about the filing itself. It usually happens because the records are not finished when the deadline arrives. I keep a diary of each client’s return and payment dates and contact them before each one, so the records are in hand well before the deadline. Many sole traders are also surprised that the January bill can include a payment on account towards the next year, so it is larger than the tax for the year just ended.
When is a Self Assessment tax return due?
For the 2025 to 2026 tax year, a paper return is due by 31 October 2026 and an online return, with any tax owed, by 31 January 2027. Saad Bin Riaz at SBR A Ltd in Heald Green keeps a diary of each client’s dates and contacts them before each one. Dates last checked against GOV.UK on 10 October 2026.
Fees for sole trader accounts and tax returns
Sole trader accountant fees depend on the business, so SBR A Ltd does not publish a single price. Saad Bin Riaz sets the fee from four things and agrees it in writing.
What sets the fee
The number of income sources, the number of transactions, whether the business is VAT registered, and how complete the records are.
How the quote works
A conversation with Saad Bin Riaz about the business, then a written quote and engagement letter that states what is included.
Agreed in writing
You agree the fee before any work starts, so a sole trader in Heald Green or Greater Manchester knows the cost up front.
What does the fee quote from SBR A Ltd cover?
The written quote from Saad Bin Riaz at SBR A Ltd in Heald Green states exactly what the fee covers, such as the accounts, the Self Assessment tax return and any bookkeeping. A sole trader in Greater Manchester agrees it before any work starts. A service outside the quote is discussed first.
Fees are explained on the page about how SBR A Ltd sets fees. Get a tailored quote
Sole trader accountants in Heald Green and nearby
SBR A Ltd is based in Heald Green and works with sole traders across Greater Manchester, including Cheadle, Stockport, Wilmslow, Altrincham, Didsbury and Manchester.
Saad Bin Riaz is your single point of contact from the first call to the filed return. Appointments are by arrangement, in person in Heald Green and nearby areas or remotely by phone, video call, email and WhatsApp. Remote service is available across the UK, so a sole trader does not need to be in Greater Manchester to work with SBR A Ltd.
What we see locally
The sole traders I work with around Heald Green, Cheadle and Stockport include tradespeople, freelancers and consultants, healthcare professionals and small retail and hospitality owners. Most want one accountant who handles the tax return, the accounts and the deadlines.
The full list is on the areas we serve page.
Software and records
SBR A Ltd works with Xero, QuickBooks, Sage and FreeAgent, and can support other systems subject to compatibility.
You can keep the system you already use. Anything that does not fit is discussed before work starts, so there is no surprise about how your records will be kept.
How documents are shared
Documents are shared through the accounting software or by email, as agreed at the start. Saad Bin Riaz agrees with each client how records are kept and sent before the first return is prepared.
Making Tax Digital for Income Tax
Making Tax Digital for Income Tax involves keeping digital records and using software to send updates to HMRC. From 6 April 2026 it applies to sole traders and landlords with qualifying income over £50,000. Whether it applies to you depends on your own income, and Saad Bin Riaz can talk through what it means for your records and software. GOV.UK has the official guidance on Making Tax Digital for Income Tax.
What a sole trader keeps and sends
- Bank statements for the tax year (6 April to 5 April)
- Sales invoices and income records
- Purchase invoices and expense receipts
- Details of other income where the return needs it
- Your UTR and Government Gateway details, if you have them
- Last year’s return, if you have one
What this service does not cover
SBR A Ltd does not provide audit, insolvency, investment, pension, insurance or probate services.
I do not offer statutory audit, investment, pensions, insurance, insolvency or probate advice. Where a client needs specialist expertise or additional authorisation, I will say so and point you to an appropriate professional.
Accounts and corporation tax for a business that trades through a company are covered on the page for limited company accounts and corporation tax.
Sole trader accounts in Heald Green: your questions answered
Saad Bin Riaz at SBR A Ltd in Heald Green sets the fee for each client individually. The sole trader accountant cost depends on the number of income sources, the number of transactions, VAT and the state of the records, so a sole trader in Greater Manchester can compare like with like before agreeing anything.
How much does a sole trader accountant cost in Heald Green?
SBR A Ltd agrees the fee for each sole trader in writing before work starts. Saad Bin Riaz sets it from the number of income sources, the number of transactions, whether the business is VAT registered and how complete the records are, so a sole trader in Heald Green or Greater Manchester knows the cost up front.
About Saad Bin Riaz and SBR A Ltd
Saad Bin Riaz, ACCA member since 2023, holds an ACCA practising certificate.
SBR A Ltd, company number 17218350.
Opening hours: Monday to Friday 9 to 6, Saturday 8 to 1.
Client reviews will be added here once clients have chosen to leave them.
Read more about Saad Bin Riaz.
Frequently asked questions: sole trader accountants in Heald Green
Straight answers to the questions sole traders ask most.
Do I need an accountant as a sole trader?
No law requires a sole trader to use an accountant. A sole trader must still keep records, register for Self Assessment where required, and file the tax return and pay the tax on time, and is responsible for it being right. Many sole traders choose an accountant when the records, the deadlines or the tax rules take more time than they want to spend. Saad Bin Riaz at SBR A Ltd in Heald Green helps sole traders across Greater Manchester with their Self Assessment.
What does a sole trader accountant do?
A sole trader accountant works out the business’s profit from its income and expenses, prepares the Self Assessment tax return and files it with HMRC. At SBR A Ltd in Heald Green, Saad Bin Riaz also tells each client what tax is due and when, and can include bookkeeping support where needed.
How much does a sole trader accountant cost?
SBR A Ltd agrees the fee for each sole trader in writing before work starts. Saad Bin Riaz sets it from the number of income sources, the number of transactions, whether the business is VAT registered and how complete the records are, so a sole trader in Heald Green or Greater Manchester knows the cost up front.
When is my Self Assessment tax return due?
For the 2025 to 2026 tax year, a paper return is due by 31 October 2026 and an online return, with any tax owed, by 31 January 2027. Payments on account, where they apply, are due on 31 January and 31 July. Saad Bin Riaz at SBR A Ltd tracks each client’s dates.
When do I need to register for Self Assessment?
A sole trader whose gross trading income is over £1,000 registers with HMRC by 5 October after the end of the tax year in which they started trading. The right answer depends on the individual’s own circumstances, and GOV.UK has the current rules. Saad Bin Riaz at SBR A Ltd in Heald Green can talk through your position.
What records do I need to keep as a sole trader?
A sole trader keeps records of business income and expenses for each tax year, which runs from 6 April to 5 April. That means sales invoices and income records, purchase invoices and receipts, and bank statements. Saad Bin Riaz at SBR A Ltd agrees with each client at the start how records are kept and shared.
Can SBR A Ltd take over from my current accountant?
Yes. SBR A Ltd can take over from a sole trader’s current accountant. Saad Bin Riaz asks for the previous returns, accounts and any HMRC correspondence, then sets up the authorisations needed to act for the client with HMRC. Get in touch through the contact form to start.
What is Making Tax Digital for Income Tax and does it affect me?
Making Tax Digital for Income Tax requires digital records and software to send updates to HMRC. From 6 April 2026 it applies to sole traders and landlords with qualifying income over £50,000. Whether it affects you depends on your own income, and Saad Bin Riaz at SBR A Ltd in Heald Green can talk through what it means for your records and software.
Where does SBR A Ltd work?
SBR A Ltd is based in Heald Green and works with sole traders across Greater Manchester and nearby areas, including Cheadle, Stockport, Wilmslow and Manchester. Remote delivery is available for clients elsewhere.
Ready to talk about your Self Assessment tax return?
Send a few details through the contact form and Saad Bin Riaz will come back with a quote. You can also call or message on WhatsApp.