The Cowal Accountants Difference At Cowal Accountants, we don’t just file your tax returns—we become your trusted business partner. We believe that accounting is more than
Why Cowal Accountants?
Why Cowal Accountants? I’m not building a big practice. I’m not interested in running a team of juniors, passing clients around, or taking on more work than I can manage. That’s not why I started Cowal Accountants. This business exists
About Me
I didn’t move to Argyll to take over—I moved here to belong. After years working as an accountant and running my own business, my wife and I made a decision in late 2024 to relocate to Argyll-finding a loch side
Our Services
At Cowal Accountants, I don’t offer off-the-shelf packages or generic templates. Every service I provide is delivered by me, personally—and tailored to fit the way you run your business. Whether you’re just getting started or you’ve been trading for years, I’ll work
- Dunoon Accountant Guide: Why £40,000 Profit Is the Time to Go Limited
If you’re a small business owner in Dunoon, Cowal, or Helensburgh, you’ve probably wondered: “Should I stay a sole trader or form a limited company?” As a Dunoon accountant working with local businesses every day, I can tell you this: When your profits reach around £40,000, it’s time to think seriously about running as a limited - Dunoon Accountant: Director’s Loans Explained
Dunoon Accountant: Director’s Loans Explained As a Dunoon accountant, I often see limited company directors unsure about how to take money out of their business without using salary or dividends. This is where Director’s Loans come in—a useful tool for short-term cash flexibility, but one that comes with rules, risks, and tax implications. - Dunoon Accountant: Using Family Members as Shareholders
As a Dunoon accountant, I often speak with small company directors who ask the same question: “Can I share the rewards of my business with my family—and do it in a way that makes sense for everyone?” For many directors I work with across Dunoon, Cowal, and Helensburgh, the answer is yes. - Dunoon Accountant: Should You Pay Yourself £12,570 or £9,100 from Your Limited Company?
If you’ve got a limited company, one of the most common bits of advice you’ll hear is this: “Pay yourself a salary of £9,100 and take the rest as dividends.” It’s been the default setup for years — and in some cases, it still makes sense. But is it actually - Dunoon Accountant: How to Register for Self-Employment – and What Happens Next
Going self-employed is exciting – but it can feel like there’s a mountain of admin to climb before you even get started. Whether you’re baking cakes, fixing fences, freelancing online, or just doing the odd job here and there, it’s important to understand what HMRC expects. Here’s a straightforward guide - How Dunoon Businesses Could Save Over £500 a Year—Without Changing a Thing They Do
Running a business in Dunoon isn’t always easy. Between rising costs, patchy infrastructure, and the unique challenges of life on the Cowal Peninsula, it’s easy to let the small stuff slide. But sometimes it’s those “small” things—your mobile bill, your broadband, your insurance—that quietly chip away at your bottom line. At Cowal Accountants, we’re