Chartered Accountants for Construction Contractors & Subcontractors
From monthly CIS returns and gross payment status applications to tax refunds and business growth support — we understand construction inside out.
CIS Tax Is Complicated — Your Accountant Shouldn't Be
Whether you're a sole trader subbie or running a team of 50, getting CIS wrong costs you money and can land you in serious trouble with HMRC.
CIS Deductions Eating Your Cash Flow
Having 20% or 30% deducted from every payment hurts. If you qualify for gross payment status, you could keep 100% of your earnings and manage tax on your own terms.
Late CIS Returns Mean Penalties
Miss your monthly CIS return deadline and HMRC charges £100 per month, per return. That adds up fast — and triggers further scrutiny of your business.
Subcontractor Verification Headaches
Every subcontractor must be verified with HMRC before you pay them. Get it wrong and you're liable for the tax that should have been deducted.
Employment Status Uncertainty
IR35, deemed employment, worker status — HMRC is cracking down on construction businesses that misclassify workers. The penalties for getting this wrong are severe.
Domestic Reverse Charge Confusion
The VAT reverse charge for construction services catches out contractors every day. Apply it wrong and you face VAT assessments, penalties, and cash flow chaos.
No Time for Paperwork
You're on site from 6am. The last thing you want is to spend evenings sorting receipts and chasing invoices. But HMRC expects proper records.
What We Do for Construction Businesses
Specialist CIS and construction accounting built around the way your industry actually works — on site, on the move, and under pressure.
Monthly CIS Returns
Tap to learn moreWe file your CIS returns on time, every month, with accurate deduction statements for every subcontractor. No missed deadlines, no penalties, no stress.
Gross Payment Status Applications
Tap to learn moreWe assess your eligibility, prepare the application, and manage the process with HMRC. If you qualify, you keep 100% of your earnings and manage tax quarterly instead.
CIS Tax Refund Claims
Tap to learn moreIf you've had CIS deductions taken from your payments, you may be owed a significant refund. We calculate and claim everything you're entitled to — typically within 4-6 weeks.
Subcontractor Verification
Tap to learn moreWe verify every subcontractor with HMRC before you make payments, ensuring correct deduction rates and protecting you from liability for incorrect deductions.
VAT & Reverse Charge
Tap to learn moreFull VAT compliance including the domestic reverse charge for construction services. We ensure every invoice is correct and every return is filed accurately.
Business Growth Support
Tap to learn moreFrom sole trader to limited company, from one van to a fleet — we help construction businesses grow with structure advice, tax planning, and connections to other trades in our network.
Trusted by Business Owners Across London
"LOYALS got me gross payment status within 6 weeks. I was losing thousands every month to CIS deductions and now I keep the lot. Best decision I made for my business."
"They claimed back over £8,000 in CIS refunds I didn't even know I was owed. Now they handle all my monthly returns and I don't think about HMRC at all."
"What I love about LOYALS is they answer the phone on Saturdays. When you're running a building site, you can't always call during office hours. They get it."
Simple, Straightforward, Stress-Free
Getting the right accountant for your business takes just three steps.
Get in Touch
Call, WhatsApp, or book online. We're available 7 days a week including evenings.
Free Consultation
We review your situation, understand your business, and provide a clear fixed-fee quote with no hidden costs.
We Handle Everything
From bookkeeping to tax returns, compliance to growth advice — you focus on your business while we handle the numbers.
Book Your Free Consultation
No obligation. No hard sell. Just a conversation about how we can help your business.
Available 7 days. Mon-Fri 9am-6pm, Weekends 10am-5pm.
Frequently Asked Questions
CIS is a tax deduction scheme where contractors deduct money from subcontractor payments and pass it to HMRC. The standard deduction rate is 20% for registered subcontractors, 30% for unregistered subcontractors, and 0% for those with gross payment status. These deductions count as advance payments of your tax bill.
You need to meet three tests: a turnover test (£30,000+ net for sole traders over 12 months), a compliance test (all tax returns filed and payments up to date), and a business test (you must operate through a UK bank account). We assess your eligibility, prepare the application, and handle all HMRC communication.
It depends on your earnings and deduction rate. A subcontractor earning £50,000 with 20% deductions would have £10,000 deducted — if your actual tax liability is lower, the difference is refunded. We've claimed over £2.1 million in CIS refunds for our clients. We calculate your exact position for free.
HMRC charges £100 for each month (or part month) that a return is late, up to 12 months. After 12 months, additional penalties based on the amount of CIS deducted can apply. For a contractor with 10 subcontractors, one late return can quickly cost over £1,000. We never miss deadlines.
It depends on your turnover, profit level, and personal circumstances. Generally, once your profits exceed £40,000–£50,000, a limited company structure becomes more tax-efficient. We run the numbers for your specific situation and advise you on the best structure, including the CIS implications of incorporation.
Yes. Our unique business growth programme connects new clients with our existing customer base of 500+ construction businesses. Electricians meet plumbers, plumbers meet builders, builders meet developers. We actively facilitate introductions that lead to real work.
You must keep records of all payments to subcontractors, verification details, CIS deduction statements, invoices, bank statements, and any written contracts. Records must be kept for at least 3 years after the end of the tax year they relate to. We set up simple systems so record-keeping takes minutes, not hours.
Serving Businesses Across All London Boroughs
Based in King's Cross, we serve clients across every corner of London. Find your local accountant: