Construction Accountants Walsall | PF Accountancy Ltd

Construction Accountants Walsall

Accountants for Construction Subcontractors Who Want to Keep More of What They Earn

We help CIS subcontractors in Walsall stay compliant, reduce tax, and always know where they stand financially.

Who This Is For

Built specifically for the construction industry

If you're working in construction and dealing with CIS deductions, this is built for you.

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CIS Subcontractors

Whether you're working under one contractor or several, we handle your CIS properly — so nothing gets missed and you're not overpaying tax.

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Self-Employed Trades

Builders, electricians, plumbers, plasterers and more. If you're earning through construction, we understand your world.

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Small Construction Businesses

Limited company contractors who need proper monthly accounting, CIS handling, and clear financial reporting.

Common Problems We Fix

Does any of this sound familiar?

Most subcontractors we speak to have at least one of these problems. All of them are fixable.

→You don't fully understand how CIS deductions work or how they affect your tax
→You're not sure how much tax you owe — and you dread the bill arriving
→Your accountant only contacts you once a year at filing time
→You think you might be overpaying tax but don't know how to check
→Your records are disorganised and you lose track of expenses
→You're not confident your deductions are being properly offset

Understanding CIS

How CIS deductions actually work

CIS is not extra tax — it's a prepayment. Here's what that means for you.

20%

Standard Rate

The standard CIS deduction rate for registered subcontractors. This is the most common.

30%

Higher Rate

Applied to unregistered subcontractors. If you're being deducted at 30%, contact us immediately.

Gross Status

Eligible subcontractors can apply for gross payment status — meaning no deductions are made.

A Real Example

See how CIS works in practice

Here's a typical month for a CIS subcontractor — and how we make sure you're not losing out.

Monthly CIS Example

Gross income from contractors£8,000

CIS deducted at 20%£1,600

Net received into bank£6,400

Allowable expenses (van, tools, gear)£400

Net profit before tax£6,000

Corporation tax due (~19%)£1,140

CIS already deducted (credit)£1,600

Refund due at year end£460

This is why tracking CIS properly matters. Without it, you could miss a £460 refund — and that's just one month.

How We Help

We give you clarity and control

We don't just file your accounts — we make sure you understand your numbers every single month.

Monthly Income Tracking

Every invoice and CIS deduction recorded accurately. Nothing gets missed, nothing gets lost.

CIS Deduction Handling

We track every deduction and make sure it's properly offset against your tax bill — maximising your refund.

Expense Optimisation

Van costs, tools, protective gear, travel — we make sure every allowable expense is claimed correctly.

Tax Position Updates

Know exactly what you owe each quarter. No end-of-year shocks. Just clear, current numbers.

HMRC Filings

All returns filed accurately and on time. Self-assessment, corporation tax, VAT — everything handled.

Direct Support

Questions answered quickly. You always know where you stand. No jargon, no waiting.

Pricing

Simple monthly pricing for subcontractors

Fixed fees based on your needs. Always agreed before we start.

£150 – £300 / month

Typical range for CIS subcontractors

Monthly bookkeeping and CIS tracking
Tax estimates every quarter
All HMRC filings handled
Direct access to your accountant
No long-term contracts

Book Your Free Consultation

FAQ

CIS questions answered

What is CIS and do I need to register?

CIS (Construction Industry Scheme) is an HMRC scheme where contractors deduct tax from your payments before paying you. If you're working as a subcontractor in construction, you should be registered. We can advise on this during your free consultation.

Can I get a refund of CIS deductions?

Yes — if more CIS tax has been deducted than your actual tax liability, you're entitled to a refund. This is very common and something we actively identify for all our construction clients.

I've been deducted at 30% — is that right?

A 30% deduction rate means you're not registered with HMRC as a subcontractor. This means you're paying more tax than necessary. We can help you get registered and reduce this to the standard 20% rate.

Do I need to be a limited company to use your service?

No — we work with both sole traders and limited companies. Whatever your setup, we can help you get organised and stay compliant.

My records are a mess. Can you still help?

Absolutely — this is one of the most common situations we deal with. We'll work through what you have, get things up to date, and put a system in place going forward.

Stop guessing your numbers. Start taking control.

Book a free call and we'll show you exactly where you stand.