Limited Company Formation London — Premium Setup + Banking Partner.
Comprehensive Limited Company formation for UK residents — Companies House incorporation, registered office, model Articles, ECCTA identity verification handled, plus optional business bank account opening with our partner UK bank's premium-support team. Three packages from £495 to £1,495. Most clients are fully operational within 7-14 working days. By chartered accountants who form companies properly — not online formation factories.
Sound like your formation situation?
Most clients arrive after either struggling with online formation services or being intimidated by the new ECCTA identity verification rules. We sort all of it in one engagement.
"What is this ECCTA identity verification?"
Since 18 November 2025, every new director and PSC must verify identity before incorporation under the Economic Crime and Corporate Transparency Act. We guide every client through it as standard — see our complete guide.
"I can't get a business bank account opened"
Direct applications to high-street banks routinely take 4-6 weeks and reject 30-40% of applicants without explanation. Our partner UK bank fast-tracks LOYALS clients with premium dedicated support — most accounts open within 5-10 working days.
"I tried an online formation site and got confused"
£20 formation services tick the basic Companies House box but leave you to figure out registered office, share structure, identity verification, banking, HMRC registrations, Year 1 compliance — all yourself. Our packages bundle the whole journey.
"I don't want my home address on Companies House"
Companies House makes the registered office address publicly searchable forever — using your home is permitted but exposes your address to everyone. All our packages include 12 months of registered office service at our King's Cross address.
"I'm not sure if I should incorporate at all"
Below £40K profit it's often not worth the admin. Above £50K the tax case strengthens. Plans to raise investment, sell, or hire heavily push toward incorporation regardless. Use our decision tool below for a tailored recommendation before paying any fee.
"What happens after the company is formed?"
Year 1 compliance is daunting — HMRC CT registration within 14 days, Confirmation Statement within 12 months, annual accounts within 9 months of year-end, CT600 within 12 months. Formation Complete (£1,495) bundles all of it so you don't think about it.
Your Limited Company set up properly.
Not a £20 online form. Not a generic incorporation. A complete setup including identity verification, banking, and Year 1 compliance options.
The LOYALS Limited Company Formation service
Forming a UK Limited Company in 2026 involves more steps than most people realise — particularly since the Economic Crime and Corporate Transparency Act (ECCTA) introduced mandatory identity verification on 18 November 2025. Beyond the basic Companies House incorporation, you need: identity verification for every director and PSC, a registered office address, Articles of Association, share structure decisions, HMRC Corporation Tax registration, possibly PAYE and VAT registration, and a business bank account that's notoriously hard to open through direct application.
Our service handles every step for one fixed package fee. Three tiers serve different buyer needs — Formation Standard (£495) for those handling banking themselves, Formation + Banking (£795) with our partner UK bank's premium support, or Formation Complete (£1,495) bundling Year 1 compliance for a turnkey first year. UK residents only — non-residents have a dedicated service with different processes.
Three premium packages · £495 to £1,495Three packages, scaled to how much you want bundled.
All tiers include the formation, registered office, and ECCTA identity verification handling. Differences are about banking and Year 1 compliance bundling.
Formation Standard
- Companies House incorporation
- Registered office (12 months at our address)
- Model Articles of Association
- Share certificates & shareholder register
- ECCTA identity verification guidance
- HMRC Corporation Tax registration
- Initial PAYE/VAT registration if needed
- You handle your own bank account opening
Formation + Banking
- Everything in Formation Standard
- Business bank account opening
- Partner UK bank with premium support
- Dedicated bank account manager
- Direct LOYALS escalation channel
- Fast-track 5-10 working days vs 4-6 weeks direct
- UK current account + business debit cards
- FreeAgent integration for accounting
Formation Complete
- Everything in Formation + Banking
- Year 1 Annual Accounts & CT600 included
- Year 1 Confirmation Statement
- Year 1 Director's Self Assessment
- Year 1 dividend voucher pack
- Year-end review call & tax planning
- Year-round WhatsApp support throughout Year 1
- From Year 2: ongoing accounts at standard pricing
Companies House filing fees (£50 standard incorporation) are paid by us and included in all package prices. Software subscriptions (Xero, QuickBooks, FreeAgent) are paid by you direct to the provider — typically £20-£50/month and FREE if you bank through our FreeAgent-integrated partner.
Eight deliverables, all bundled.
No add-ons for ECCTA verification, no charges for routine HMRC registration, no per-document fees on the Articles or share certificates.
Companies House Incorporation
Full IN01 form preparation and submission. Choice of company name (we check availability first), share structure, director/PSC declarations all handled by our team.
ECCTA Identity Verification
Mandatory step since 18 Nov 2025 for all directors and PSCs. We guide you through GOV.UK or ACSP route. Read the full guide.
Registered Office Address
12 months at our King's Cross address (39-41 North Road, London N7 9DP). Your home address stays private. Mail forwarding included for HMRC and Companies House correspondence.
Articles of Association
Model Articles tailored to your business — single-director, multi-director, shareholder protections, voting rights. Bespoke Articles available at additional cost if needed.
Share Certificates & Register
Share certificates issued, shareholder register set up, share structure documented. Multiple share classes possible if your business needs investor structure.
HMRC Registrations
Corporation Tax registration (mandatory within 14 days of incorporation). PAYE registration if employing. VAT registration if approaching the £90K threshold. All handled by us.
Banking Setup (Tier 2/3)
Business bank account opened with our partner UK bank — premium dedicated support, fast-track 5-10 working days, integrated with FreeAgent and Open Banking feeds.
Year-Round Support
WhatsApp, phone and email throughout the formation process and beyond. Onboarding questions, post-formation queries, Year 1 deadlines — all covered, no per-call charges.
Five steps from "I want a Ltd Co" to fully operational.
From engagement letter to fully operational company with bank account: typically 7-14 working days for Formation + Banking. Standard formation completes inside a week.
Discovery call
Free 30-min call to confirm fit, choose tier, discuss structure (sole director vs multi-director, share classes).
Identity verification
ECCTA verification for all directors & PSCs via GOV.UK or ACSP route. Usually 1-3 days.
Companies House submission
IN01 form prepared, name checked, shares allocated. Incorporation usually confirmed within 24 hours.
HMRC + banking
Corporation Tax registration, PAYE/VAT if applicable. Bank account opening (Tier 2/3) takes 5-10 days.
Operational
Documents delivered, banking active, registered office in place. Year 1 compliance starts (if Tier 3).
Three reasons we're not just an online formation service.
£20 online formation services tick boxes. We deliver a fully operational company set up to thrive in Year 1 and beyond — and our chartered accounting firm continues alongside you afterwards.
ECCTA-ready by design
Identity verification under the new ECCTA rules is the single biggest source of confusion for prospects forming companies right now. We've operated under the new rules since launch and guide every client through verification as standard — not as a surprise add-on.
Banking partnership
Direct applications to UK business banks routinely take 4-6 weeks and reject a third of applicants without explanation. Our partner bank fast-tracks LOYALS clients with premium dedicated support — most accounts open within 5-10 working days, with a named account manager.
Year 1 to Year 10
Online formation services walk away after incorporation. We're a chartered accountancy firm — formation is just the start. Most clients move smoothly into our Annual Accounts, Bookkeeping, VAT and Tax Planning services without changing provider. Continuity is the differentiator.
Let's check if a Limited Company actually fits you.
Four quick questions and we'll tell you whether incorporation makes sense for your situation, the recommended package, and the next step.
Should I form a Limited Company?
Three changes that have reshaped how you form a UK company.
If your last incorporation was before November 2025, the rules have moved meaningfully. Three reforms have changed the formation process, identity requirements, and Companies House powers.
ECCTA Identity Verification
Since 18 Nov 2025The Economic Crime and Corporate Transparency Act made identity verification mandatory for all new directors, People with Significant Control (PSCs), and members of LLPs. You verify via GOV.UK or through an Authorised Corporate Service Provider (ACSP). Failure to verify means refused incorporation. Read our complete guide.
Companies House powers
Increased authorityCompanies House now has expanded powers to query, reject, and remove information that doesn't meet standards. They can challenge company names, refuse registrations, and strike companies off for non-compliance with identity verification rules. The bar for clean incorporation has risen — DIY formation gets riskier.
Confirmation Statement update
Identity-checked PSCsConfirmation Statements now require all PSCs and directors to have completed identity verification. Existing companies have a transitional window to bring everyone into compliance. Failure to verify on a Confirmation Statement can result in the company being struck off the register.
Six things every UK Limited Company founder should understand in 2026.
Tap any card to flip and see the detail.
ECCTA verification
Mandatory ID step since 18 Nov 2025.
Tap or hoverWho must verify
- All new directors
- All People with Significant Control
- All LLP members
- Verify via GOV.UK or ACSP
- Existing directors phased in
Registered office
Public address every Ltd Co must have.
Tap or hoverWhat it's for
- Official correspondence address
- HMRC notices delivered here
- Companies House notices
- Court papers if served
- Public on Companies House register
PSC vs Director
Two different roles, both publicly named.
Tap or hoverKey differences
- Director: runs the company
- PSC: controls the company
- Both publicly listed
- Often the same person
- Both must verify identity
Year 1 deadlines
Six things to file in your first year.
Tap or hoverCritical dates
- HMRC CT register: 14 days
- PAYE register: before first payday
- VAT: 30 days post threshold
- Confirmation Statement: 1 year
- Annual Accounts: 9 months post YE
Business banking
Why it's harder than you'd expect.
Tap or hoverThe reality
- 4-6 weeks typical direct application
- 30-40% rejection rate without explanation
- Source of funds checks intense
- LOYALS partner: 5-10 days fast-track
- FreeAgent integration included
Tax savings analysis
When does Ltd Co actually save money?
Tap or hover2025/26 break-even
- Below £40K: usually not worth it
- £40-50K: borderline
- £50-100K: £1-3K annual saving
- £100K+: £3-8K saving + structure
- £150K+: £5-15K + retained profit
Meet Kris Nick.
Kris is your single point of contact through the entire formation journey — from the discovery call confirming fit, through ECCTA identity verification guidance, Companies House submission, HMRC registrations, partner bank introduction, and Year 1 compliance setup. The LOYALS team forms hundreds of companies annually for UK residents across construction, hospitality, e-commerce, professional services and property investment. No outsourced labour, no per-call charges. Year-round WhatsApp access, Mon-Sat 10am-7pm extended hours.
Book a free 15-min call →Form your company properly — not on £20 incorporation site autopilot.
Three premium packages, ECCTA identity verification handled, partner bank with premium support, optional Year 1 compliance bundling. Most clients are fully operational within 7-14 working days. Free discovery call confirms the right tier before any fee is taken.
Frequently asked questions.
Updated for ECCTA 2025/26 with the new identity verification rules. If your question isn't here, message us on WhatsApp or book a free 15-minute call.
Related LOYALS pages
Other services that pair tightly with Limited Company formation for full Year 1 setup.
Ready to form your company properly?
Three premium packages, ECCTA identity verification handled as standard, partner bank with premium dedicated support, Year 1 compliance bundling available. Sign up after a free discovery call and we'll have you fully operational within 7-14 working days. Mon-Sat 10am-7pm extended hours, same-day callback.
Book my free 15-min call →