12 May 2025
Do I Need an Accountant for My Croydon Business?
Not sure if your Croydon business needs an accountant? Learn the difference between bookkeeping and accounting, and when it’s time to get professional help.
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Croydon office by East Croydon station
Croydon Accountants & Bookkeepers
Bookkeeping, accounts, VAT, payroll and tax returns for sole traders, landlords and small companies. Our office is in AMP House, two minutes' walk from East Croydon station, and we work in English, Russian and Romanian.
2018 Established
ACCA Affiliated
3 Languages
Visiting our Croydon office
We work with sole traders, landlords, contractors and small limited companies across the London Borough of Croydon. Our office is on the 4th floor of AMP House, Dingwall Road, CR0 2LX. From East Croydon station, take the main exit onto George Street, keep right and turn right into Dingwall Road. AMP House is on the left, opposite Boxpark, about two minutes on foot. The building has lifts and step-free access.
East Croydon has Southern and Thameslink trains, with direct services to London Bridge, London Victoria and Gatwick Airport. The tram stop is right outside the station, on the lines from Wimbledon, Beckenham Junction, Elmers End and New Addington. Parking near the station is limited, so the train or tram is usually easier.
You meet one of our accountants, in English, Russian or Romanian. Meetings are by appointment, Monday to Friday, 9am to 6pm. Bring your last tax return, bank statements or any HMRC letters, and after the meeting we send a fixed-fee quote in writing. You can see who is on the team on our About page. If you would rather not travel, we can hold the same meeting by video call.
Business services in Croydon
For sole traders, partnerships and limited companies in Croydon and the CR postcodes.
Bookkeeping
We record your sales, costs and bank transactions each month and reconcile them to your bank statements. Your VAT returns and year-end accounts then start from figures that already match.
Annual Accounts and Corporation Tax
Year-end accounts for Companies House and the Corporation Tax return for HMRC. Corporation Tax is due 9 months and 1 day after your year end, and we tell you the amount before then.
VAT Returns
Registration once your taxable turnover passes £90,000 in any 12-month period, then VAT returns filed through Making Tax Digital software. We check the figures with you before anything goes to HMRC.
Payroll
Payslips, RTI submissions to HMRC, auto-enrolment duties and year-end forms for Croydon employers, including those with just one member of staff.
Let's Sort Your Accounts
Tell us what you need and we'll come back with a clear, fixed-fee quote. No jargon and no obligation to go ahead.
N
Nikita Vorontsov
Vorontsov Consulting Services LTD
"Partnering with Golden Tree Consulting has been one of the best decisions for us. Their financial strategies have significantly reduced our expenses and their exceptional communication keeps us well-informed."
We reply within 24 hours on working days
Worth knowing if you trade in Croydon
Three points that affect many small businesses and self-employed people in the borough.
1
Business rates go to Croydon Council
Croydon Council bills business rates for premises across the borough, including Purley and Coulsdon. Small business rate relief is claimed on an application form sent to the council's business rates team. We can check your bill and help you fill in the form.
2
Making Tax Digital has started
Since 6 April 2026, sole traders and landlords with qualifying income over £50,000 must keep digital records and send HMRC quarterly updates. The threshold falls to £30,000 in April 2027 and £20,000 in April 2028. We set up the software and send the updates for you.
3
Watch the VAT threshold
You must register for VAT when your taxable turnover goes over £90,000 in any rolling 12 months, not just the tax year. Registration is due within 30 days of the end of the month you went over, so it helps to check the running total each month.
Who we work with in Croydon
Individuals and small businesses, rather than large corporate groups.
Contractors and trades
For builders and other trades working under the Construction Industry Scheme (CIS):
- Registering with HMRC as a contractor or subcontractor
- Monthly CIS returns, due by the 19th
- Claiming back CIS deductions taken at 20%, or 30% if you are not registered
Landlords
For anyone who lets a house or flat, in Croydon or elsewhere in the UK:
- Rental income and allowable costs on your Self Assessment return
- Making Tax Digital set-up if your qualifying income is over £50,000
- Replies to HMRC letters about rental income
Business and personal tax in Croydon
Some clients come to us for their company, others only for a personal tax return.
For businesses
Sole traders, partnerships and limited companies:
- Setting up a limited company at Companies House
- Advice on trading as a sole trader or through a company
- Quarterly management figures, if you want them
For individuals
Croydon residents with income that PAYE does not cover:
- Self Assessment returns, filed online by 31 January
- Tax refunds where you have overpaid through PAYE or CIS
- Help with benefit claims when your income changes
Why work with us in Croydon
Two minutes from East Croydon
Meet us at AMP House by appointment, Monday to Friday, 9am to 6pm. If central London suits you better, our second office is at London Bridge.
Fixed fees, in writing
After a short call we send a fixed-fee quote in writing, so you know the cost before any work starts.
English, Russian and Romanian
We can explain your accounts, tax return and HMRC letters in whichever of the three languages you prefer.
In practice since 2018
Golden Tree was established in 2018, and our team has more than 15 years' experience in UK accounting and tax. We are ACCA-affiliated and reply within 24 hours on working days.
Let's Sort Your Accounts
Tell us what you need and we'll come back with a clear, fixed-fee quote. No jargon and no obligation to go ahead.
N
Nikita Vorontsov
Vorontsov Consulting Services LTD
"Partnering with Golden Tree Consulting has been one of the best decisions for us. Their financial strategies have significantly reduced our expenses and their exceptional communication keeps us well-informed."
We reply within 24 hours on working days
Frequently Asked Questions
Questions about the Croydon office and local tax matters.
Do I need an appointment to visit the Croydon office?
Yes, please book first. We see clients by appointment, Monday to Friday, 9am to 6pm, so that someone is free to go through your paperwork with you. Call or WhatsApp +44 7593 441557, or email info@goldentreeconsulting.co.uk. We reply within 24 hours on working days.
Which council handles business rates for a shop or office in Croydon?
Croydon Council, which covers the whole borough, including Purley, Coulsdon, Thornton Heath and South Croydon. Applications for small business rate relief go to its business rates team. Send us your rates bill and we will tell you whether it is worth applying, and help with the form.
Can I meet you in central London instead?
Yes. Our other office is in The News Building, next to London Bridge station. Southern and Thameslink run direct trains between East Croydon and London Bridge, so you can pick whichever office fits your day. Video calls work too.
I've just started working for myself in Croydon. What should I do first?
Register for Self Assessment with HMRC by 5 October after the end of the tax year in which you started. Keep a record of income and costs from the first day. If your trading income is £1,000 a year or less, the trading allowance may mean you don't need to register. We can register you and file your first return, which is due online by 31 January.
Can you explain my accounts in Russian or Romanian?
Yes. Meetings at AMP House and by video can be held in English, Russian or Romanian, and we can talk you through your accounts, tax return and HMRC letters in the language you prefer. Forms and filings for HMRC and Companies House stay in English.
Already a client of our Croydon office? Leave us a Google review (it takes about 20 seconds).
Personal tax and self-employment in Croydon
For individuals, landlords and people starting out on their own.
Self Assessment
Your tax return prepared, checked with you and filed online before 31 January.
Learn moreTax Refunds
Checking whether you overpaid through PAYE or CIS, and claiming the money back from HMRC.
Learn moreSelf-Employment
Registering with HMRC as a sole trader and setting up simple records from the start.
Learn moreCIS for Subcontractors
Registration, checking your deduction statements and reclaiming overpaid CIS after the tax year ends.
Learn moreBenefits and Credits
Checking which benefits you may be entitled to, such as Universal Credit, and helping with the claim.
Learn moreCompany Formation
Moving from sole trader to a limited company, including the Companies House registration.
Learn moreLatest Insights for Croydon Businesses
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VAT Flat Rate Scheme 2026: Is the 16.5% Rule Costing Your Business Money?
VAT Flat Rate Scheme 2026 guide for small businesses, covering the 16.5% limited-cost rule, thresholds, examples and exit checks.
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