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Want to make sure your new pub or bar is going to be profitable and a success? Learn how to write a business plan in 11 steps for your new hospitality venue. Learn how to write a pub business plan 12 min read Beginner's Guide Table of Contents Categories Creating a business plan for a pub or bar Add a description about the company Company analysis and market data Outline your product offering Staff - recruitment and costs Payment processes - cash or card Internal processes Business equipment Licences and insurance Marketing plans and strategy Include a financial forecas t Ready to call the shots? https://www.suaz.co.uk/knowledge-base/how-much-does-it-cost-to-start-a-business https://www.suaz.co.uk/knowledge-base/how-much-does-it-cost-to-start-a-business Beginner's Guide Business Trends Company Formations Start-Up Finance Virtual Office Opening your own pub is an exciting venture brimming with possibilities. If you have what it takes to open a pub that’s sure to be lager than life (get it?), you’ll need a solid business plan to bring your ideas to fruition. Your pub business plan acts as a business roadmap, to outline your business goals and financial projections. Whether you’re looking to open a lively gastropub or a cosy countryside hotspot, learning to write a business plan for a pub is key to long-term business success. You won’t want to call last orders on your business idea - a solid business plan can hold you accountable and keep you motivated through any obstacles that come your way. In this guide, we’ll walk you through all the essential steps to writing a business plan, covering everything from market and customer research to recruitment. You’ll soon be calling the shots ! (Okay, we’ll stop with the pub puns for now…) Creating a business plan for a pub or bar Your executive summary is the first section of your pub business plan. You can think of it a lot like the contents page of a book, there to provide an overview of what the reader can expect as they read on. You should include your mission statement, highlighting your business’ values, goals and unique selling points (USPs). You should aim to include a brief summary of the following: The type of pub you plan to open, including the concept and location Your business’ mission statement, goals and objectives Your target market and competition The owners and staff, their skills and background An outline of financial projections for the first three years An implementation plan - how you’ll take your business idea and turn it into a thriving bar or pub Add a description about the company The company description is a vital section of your business plan, providing a clear and concise overview of your new business. You can use the five Ws formula to approach writing your business description. Who is starting the business? What kind of pub or bar are you looking to open? Where will it be located? You’ll want to touch on when you hope to kick things off. And most importantly, why are you opening your pub or bar? This approach allows you to dive deeper into your motivations for starting a business and exactly what you want to achieve. Finally, you’ll need to decide on your business structure - whether you’ll operate as a sole trader or limited company , so potential investors understand how your business is structured and the part they’ll play. Our guide to registering a limited company explains how company formation works and what you need to know. Company analysis and market data In this section of your pub business plan, you’ll need to analyse your pub’s position within the market, your potential competitors and your target audience. You may already have competitors in mind, such as popular pubs or bars in your area. Or perhaps there aren’t any pubs or bars near you that have left you inspired and you’ve identified a gap in the market. Either way, it’s important to do your research on competitors in your industry and identify their strengths and weaknesses. Once you have your list, you can look for gaps in the market that your business could fill. For example, there may be a growing demand for local beers or upmarket cocktail bars near you. You should then use your business plan to explain how your pub will stand out from the crowd, such as the local beers you’ll sell, the exceptional service you’ll deliver or the cosy atmosphere you feel the local area is looking for. From there, you should analyse your target market: the customers you’re looking to attract. Describe the demographics, interests and preferences of your ideal customers and how your pub or bar will appeal to them. Make sure your market analysis ties back to your mission statement - for example, if your business mission is to create a local pub that celebrates community, your target audience should reflect this by being those who live locally and enjoy spending time with their friends and family. Outline your product offering Food and drink is the heartbeat of pubs and bars - without it, they simply wouldn’t exist. It’s what makes them unique compared to other hospitality venues. The quality of your menu won’t just attract potential customers, but investors too. That’s why detailing what your pub or bar menu will look like in your business plan is so important. List everything on your menu, with descriptions of ingredients and suppliers - especially if you pride yourself on local produce or sustainable practices. You can even include photos of your dishes and drinks to capture the attention of potential investors. Make sure to explain how your product offering is unique and different from your competitors, to tie back to your awareness of the market and how you’ll attract customers. It’s also worth mentioning any ways you’ll look to grow your business, such as hosting events, quiz nights, sports nights or even a bit of karaoke (you either love or hate it, right?). Chances are you’ll be selling alcohol on your premises, so getting an alcohol licence is vital. To apply for a premises licence, you’ll need to complete an application form. If your council accepts electronic applications, you can submit this online, or alternatively you’ll need to send it by post. Check out the government’s guide to alcohol licensing for more information. Staff - recruitment and costs Recruiting the right people is essential to the success of your pub or bar, as your team will be the face of your business and will shape the customer experience you deliver. Your staff are likely to be one of your biggest overheads as a business, so it’s important that you detail how many people you’re looking to hire, their roles and how much they’ll be paid. Next, explain the approach you’ll take to recruitment. How will you source staff? What experience, qualifications and skills will you expect from candidates? If you plan on investing in employee training programmes, explain what they are, how much they’ll cost and how they’ll benefit your staff and your business. Payment processes - cash or card In this section, you’ll explain your chosen payment methods and whether your pub or bar will accept both cash and card, or operate as card only. If you do choose to go cashless, make sure you outline the advantages of doing so such as faster service and better security. When deciding on your payment options , it’s important to consider your target audience. For example, older customers may prefer the flexibility of paying with cash, whereas being a card-only business isn’t likely to bother younger customers. By detailing your payment processes in your pub business plan, you’ll clearly explain how transactions will be handled securely, which contributes to a strong customer experience. Internal processes Next, you’ll need to explain how your business processes will work day to day, to keep your pub running smoothly. A key area to cover is stock management and how you’ll ensure you have a well-stocked inventory to minimise waste. Explain how regularly you’ll conduct stock takes and whether you’ll use an inventory management system to track stock levels and prevent shortages. It’s also important to mention how you’ll manage your staff, such as how you’ll schedule shifts to cover busier periods, without overstaffing during quieter days. You may choose to use an online scheduling system to help with shift planning, or a clock-in/clock-out system to accurately record attendance. Business equipment Your pub will rely on various types of equipment day to day, from glassware and kitchen appliances, to furniture like tables, chairs and bar stools. Make sure to detail the equipment your business will need to get set up and how much you expect this to cost. If you plan to offer entertainment, such as showing live sports, you’ll also need to invest in TVs and subscription services like Sky Sports. Depending on your big plans, you may need other entertainment equipment too, such as speakers and music equipment. Detailing all of these equipment costs in your business plan is essential for budgeting, and showing potential investors that you have the funds to secure your equipment needs and have factored in any additional costs. Licences and insurance In this section of your business plan, you’ll need to cover any licences and insurance your business will need to operate legally and safely. As mentioned earlier, you’ll need to secure an alcohol licence, so it’s important to explain how you’ll apply for this. You may also need a music licence to play music in your pub or bar - this is because music is protected by copyright and playing it without a licence is considered copyright infringement. Next, you’ll need to explain your approach to acquiring the right business insurance to protect not only your business, but any employees you’re looking to hire. You may need public liability insurance, to protect yourself from any claims from customers, and employer’s liability insurance to protect your staff members. Detailing these insurance requirements in your business plan demonstrates to readers that you’ve considered any legal obligations and are prioritising the protection of your business long-term. Marketing plans and strategy It’s important that you demonstrate to banks and potential investors how you plan to market your pub or bar to attract customers and raise awareness. Without getting your business’ name out there, how will potential customers know you exist? This section of your business plan should outline your marketing strategy, and how you’ll use both digital and traditional marketing methods to promote your business. What channels will you use to target customers? If you’re looking to attract a younger demographic, you may turn to Instagram to promote any events or drinks offers to get your business’ name out there. You may also run targeted paid ads across social platforms to reach local audiences, and could also optimise your Google My Business profile to improve your visibility in local searches. While digital marketing is a powerful tool, it’s important not to underestimate the power of traditional marketing methods such as local newspaper ads, flyers and posters which can be an effective way to draw in the local community. Make sure you include cost estimates of your marketing plan, such as the expected costs of social media marketing, the printing of your promotional materials and any campaigns you plan to run. Remember to highlight the benefits of this cost and how it will attract and retain customers long term. By including your marketing strategy in your business plan, you’ll demonstrate to readers that you have a plan for reaching and retaining your target audience and driving business growth. Include a financial forecast The final step in your bar business plan is explaining your financial forecast, including a detailed overview of your cash flow projections. You’ll need to cover not only your startup costs, but an estimation of your ongoing operational costs too, to keep your business running smoothly. Firstly, outline your startup budget - all the costs you anticipate from essential equipment (POS systems, appliances and furniture), to a solid inventory of drinks, food and other supplies. Make sure to cover any additional costs we mentioned earlier such as licences, marketing costs and insurance. When covering your cash flow, it’s important to include any staff expenditures too, such as their wages, training and employer contributions. Make sure you budget for any overtime and benefits such as holiday and sick pay. Once you’ve covered your outgoings, you’ll need to detail how you’ll fund these costs, whether that be through a loan, investments or savings. Clearly explain how you’ll use these funds and how they will contribute to your business growth over time. You can then tie this into your cash flow projections and your forecasted profit and loss (P&L) statements. Your cash flow should show how your business will manage its finances each month, balancing the income you make with ongoing expenses. Your P&L statements will demonstrate your long-term plans, and when you expect your business to break even and become profitable - giving potential investors confidence in your business plans and growth potential. Ready to call the shots ? A solid business plan is crucial for the long-term success of your pub, serving as your entrepreneurial guidebook that covers everything from your marketing plans to your financial projections. By outlining your business plans, motivations and goals, you’re well on your way to earning the trust and confidence of potential investors in your business’ growth and success. If you’re feeling ready to kickstart your business journey, Start Up A-Z is here to support you. With us, you can form your business completely free of charge, and you’ll have the support you need at every stage of your journey. We believe you have what it takes to thrive. Recommended Readings

Depending on the business, average start-up costs are about £5k - but can be cheaper when you know how. Find out how much it costs to start a UK business here. How Much Does it Cost to Start a Business in the UK? 11 min read Company Formations Table of Contents Categories What are typical UK business costs? Research and learning Equipment and premises Branding Insurance Staff and payroll How to calculate your business costs Ways to minimise your startup costs Where can I get the money to start a business? Seek professional help Chase your business dream today Beginner's Guide Business Trends Company Formations Start-Up Finance Virtual Office Chances are you've heard of the idea that you need to spend money to make money. But how much does it cost to start a business? From company formation and business registration costs to legal requirements, to payroll and insurance, recognising the actual costs of starting a business can make sure your idea is viable. While the average new UK startup is £5,000 , you can start your own company for a lot less when you know how. Here, we'll cover how much money small business owners need to start with and how with careful planning you can minimise these startup costs to get your business up and running without being out of pocket. What are typical UK business costs? So, how much money do you need to start your own business? You'll first need to identify the typical startup costs in the UK. We'll explore these startup business expenses in more detail below, but here are some typical costs you can expect to get you started. Company formation/legal costs: Legal costs will vary depending on the business structure you choose. In the UK, you need to register your limited company with Companies House to form your new business. You can either do this yourself through the Companies House website , which costs £50, or get us to take care of the formation process completely free of charge. Registering for taxes: You’ll need to register for Corporation Tax within three months of starting to do business. You can register for free or hire an accountant to sort it for you if you’d prefer. How much an accountant charges for small businesses will vary from £60 a month to £250 depending on your turnover and where in the UK you’re based. Business insurance coverage: What business insurance you’ll need will depend on your business structure and if you have employees. If you’re looking to hire people to work with you, you’re legally required to have employer’s liability insurance. You may also choose to take out public liability insurance if you regularly communicate with or serve members of the public. How much your business insurance will be will depend on the type you need and your cover limits. Branding: There’s no doubt you’ll want your business to stand out from the crowd. If you need help establishing your company’s image, our branding package is available for £190, which includes all your core branding elements. Alternatively, to keep costs down you may choose to hire a freelancer to put together a company logo for example. Domain: To support your professional image, you’ll want to register your domain. How much your domain will cost will depend on the type you choose - ‘.com’ sites typically range from £10 to £17 a year , whereas if you’re a tech business you may prefer a ‘.io’ domain which can cost you up to £70 a year. Now let’s explore in more detail the various startup expenses and business costs you’ll need to keep in mind when starting a business . Research and learning Not only is preparing to start a business time intensive - from researching the industry to writing a business plan - it can cost you money too. You may choose to take a management course to brush up on your knowledge and put you in good stead for your new venture. Startup costs vary depending on if you learn virtually or in-person, and where in the UK you’re based. Alternatively, there are a broad range of free online resources for you to take advantage of; from YouTube to online forums, to help you brush up on your knowledge. To make sure your business idea is viable, you might want to carry out some test trades - make sure to factor this cost into your business plan. Equipment and business premises Another startup cost to keep in mind is the equipment you’ll need to buy to get your business up and running. Maybe you’re looking to upgrade your laptop, or need a certain type of machinery. Ask yourself if you need to buy these items straight away. Could you rent the equipment initially to keep costs down? If you’re looking to stick to a budget, you may want to avoid renting a physical office space. Could you initially trade from your home to test your business idea before you commit to a workspace? If you’re looking to have a business address but want to cut down on startup costs, our virtual office package could be right for you. You’ll gain a virtual office address right in the heart of Manchester, to protect your privacy and maintain your professional image. Branding and marketing costs Another startup cost to consider is marketing costs and branding services to give your company an edge. Working with a branding or marketing specialist can help your business get noticed and increase customer loyalty, because once customers find a brand they love, they tend to stick with it. But how much does branding and marketing cost? It depends! The cost will vary depending on your marketing budget, what you're looking for and who you hire. Do you need a brand or digital marketing strategy or brand guidelines? Or just someone to help you create a logo? If you work with a branding agency, you'll usually be charged a monthly fee which will be based on the work you need doing. As mentioned, you could cut costs by hiring a freelancer to take care of your branding, market research, social media management and marketing strategy. Insurance Business insurance can protect you against accidents, theft and damage but the type of cover you need will depend on the type of company you’re starting and how you’ll run it. If you’re planning on hiring people, the only insurance policy that’s a legal requirement to have is employers’ liability insurance. This covers your business if one of your employees claims they’ve suffered illness or injury while working for you. If you don’t have employers’ liability insurance, you can be fined £2,500 for every day you go unprotected - so it’s not worth risking. The average cost ranges from around £61 per year for a single office worker, and up to £200-600 for a trade worker - but premiums will rise depending on the number of employees you have and the riskiness of the work you do. As you may expect, an office worker is cheaper to insure than a builder, for example. While not a legal requirement, professional indemnity insurance may be worth looking into. This insurance can protect you from the cost of compensating a client if you make a mistake, have been negligent, or offered them poor advice. The cost of professional indemnity can range £45 to thousands per year depending on the size of your business and the riskiness of your work. Staff and payroll Another startup business cost you’ll need to bear in mind is the costs of your staff and payroll. It’s easy to assume that your only expense as a small business will be your employees’ salary. But in reality, an employee costs more than just their wages. There are other costs of employment you’ll need to consider, including: Employer’s National Insurance Contributions: This is National Insurance you pay on your employee’s salary - which will vary depending on how much the employee earns and their National Insurance category letter. You’ll pay Class 1 National Insurance on employees’ earnings above the secondary thresholds, at 13.8%. Auto-enrolment pension contribution: In the UK, employers must offer a pension scheme for eligible employees. Employees can then choose to opt out of auto-enrolment should they choose to. Since 2019, the minimum total contribution has been fixed at 8%, with a minimum of 3% coming from the employer. Employers’ liability insurance: As mentioned, if you’re hiring employees you’ll need employers’ liability insurance as a legal requirement. How much this costs will depend on the number of employees you have and how risky your work is. PAYE payroll system: Using payroll software can make your business’ payroll easier to manage. If you choose to run payroll yourself, you need accounting software to report to HMRC. It can help you report information, work out how much you need to pay HMRC and calculate things like sick and maternity pay. The cost of these services can vary but on average you can expect to pay £10-25 per month . To help you find the best provider, HMRC has a list of software that is recognised by them. How to calculate your business costs We’ve listed several business costs above, some of which you may not have thought of - but try not to let that put you off. Thoroughly calculating how much your small business will cost can alleviate your worries and help you feel in control of things. Here are some tips to help you calculate your business costs: Identify your expenses: These are costs that are unavoidable. From insurance and employee salaries, to equipment and branding. Estimate your costs: Once you have your list of expenses, you can research how much these should cost. Some expenses will have clear costs published online, while others will be less certain right now, like your employees’ salaries. Don’t be afraid to reach out to companies and service providers to ask what they charge. Get a total cost: Once you have a list of potential costs, it’s time to add them up. From there, you can split these expenses into one-time costs and monthly expenses. One-time costs will be things you’ll need to get your business off the ground, such as equipment. Whereas monthly expenses will include salaries, office rent and bills. Plan your funding: Now you have a good idea of how much it will cost to start your business, you work out how you’re going to afford it. You may choose to take out a business loan , use your savings, or start crowdfunding. Ways to minimise your startup costs The more money you can save when starting out, the more you’ll have to grow your business over time. Here are some ways you could save money when setting up your business: Rent rather than buy: There may be some equipment you only need short-term, like a camera to take product photos. Could you borrow from a friend or rent it rather than buying one yourself? That way, you can see how much you actually use the equipment before you decide to buy. Online marketplaces: To keep costs down you could try selling your product online through sites like Etsy, eBay, Amazon or Business Support Club , before investing in your own website. Once your sales have blown up, you can get your own website sorted! Go paperless: Paper, ink and postage costs can add up quickly. You could go paperless by avoiding printing unless absolutely necessary, sending digital invoices and filing paperwork digitally rather than in a filing cabinet. Work from home: Do you really need to rent an office space from the get-go? You could test your business idea from home before you commit to a workspace. Tax relief: Look into the various tax reliefs and allowances you’re entitled to as a business owner. For example, if you’re self-employed you can deduct some of your running costs as part of your annual tax return, such as office supplies, insurance and bank charges. Where can I get the money to start a business? Now you have an idea of how much it’ll cost to start your business, you’ll need to work out how you’re going to finance your new venture. While you shouldn’t let money stand in the way of you chasing your dream, it’s important to make sure your business idea is both viable and affordable to avoid financial difficulties later on. Some ways you could finance your business include: Your own savings: While financing your business out of your own pocket may sound unachievable, with patience and accountability it can happen. Set yourself a goal, choose a savings account with a competitive interest rate and cut back on unnecessary living expenses. You’ll be surprised how much you can save! Business loan: A business loan works in a similar way to other types of loans. You apply through a bank and repay the amount through regular repayments. How much you’ll be allowed to borrow will usually depend on your credit score. Like any type of borrowing, make sure the debt you take on is affordable and that you’ll be able to keep up with the repayments. Crowdfunding: Another option to get your business up and running is crowdfunding, This involves you getting a ‘crowd’ to fund your new business. There are a few options such as donation-based funding where your contributors will donate money without receiving anything in return. With debt-based funding, those who donate will be repaid with interest. Government-backed loan: Another option is applying for the government-backed Start Up Loan . You can borrow anything from £500 to £25,000 subject to acceptance. Just bear in mind that you will be charged for your borrowing, at a fixed interest rate of 6% per year. Seek professional help If you’re looking to start a business, it’s likely you’ve been mulling over the idea for a while. To alleviate any worries, you may find it helpful to discuss your business idea with a professional. From how you’re going to afford to be your own boss, to any worries you may have, a professional can offer you valuable business advice to keep your worries at bay. You may choose to hire an accountant or financial adviser to help you make sense of your finances and check everything is in order. As you start to bring customers in and your business grows, an expert adviser can help you make informed decisions about hiring employees, investing in new equipment and keeping on top of your taxes and navigating any unexpected costs that crop up. Chase your business dream today Starting your own successful business doesn’t need to feel like hard work. Our company formation service can take the reins, from forming your own business with Companies House on your behalf, to supporting you every step of the way. You’ll have everything sorted in no time, boss! Apply to form your company with SUAZ today. Recommended Readings

SUAZ provides a virtual mailing address in Manchester. Give your business a prestigious mailing address while keeping your address private. Start free trial now Business Mail Forwarding Services in Manchester A virtual mailing address in the heart of Manchester can help keep all your communications organised as you settle into the business world. From just £9.99 +VAT, our mail-forwarding services keep your mail safe and secure and protect your privacy too. Select a Package Get ready to impress with your Manchester address Our virtual mailing address really offers you the best of both worlds - a prestigious mail address in the UK, all while keeping your home address under wraps. Our mail-forwarding services take care of your important post and forward it directly to you ; either digitally via email, or to an address of your choosing via post. That way, you’ll save yourself the hassle and cost of renting a physical office space and establish your business’ professional image too. Why choose SUAZ for business mail-forwarding services? After all, we’ve been in your shoes. Making your business dreams a reality doesn’t need to feel impossible. SUAZ’s mail-forwarding services can help you tick another thing off your list, so your business will be ready to go in no time. Making your business dreams a reality doesn’t need to feel impossible. SUAZ’s mail-forwarding services can help you tick another thing off your list, so your business will be ready to go in no time. Starting a business always comes with a level of risk, so it’s natural to feel hesitant to commit to mail-forwarding services straight away. That’s why we let you try before you buy, so you can test the waters before committing to a virtual mail address long-term. Our services are competitively priced and allow you to choose from multiple levels of mail-forwarding support, to make sure you only pay for what you need - being an entrepreneur is costly enough as it is! Once you’ve got your virtual mailing address sorted out, you’ll also get access to a Business Support Club (BSC) account. You’ll be able to manage your order, get in contact with us whenever you need to and browse a selection of additional products and services, allowing you to tailor all manner of business support services precisely to your needs - all manageable from one easy-to use platform. Benefits of having a mail-forwarding address Having a virtual address with mail-forwarding can offer several benefits to you and your business: 01 Confidentiality Mail-forwarding services allow you to have all your business communications sent to an email or postal address of your choosing, to keep your home address private. This can help you maintain a good work-life balance and means you’ll avoid any unexpected home visits from clients or customers! 03 Level up your marketing You can use your new registered or director service address on your marketing materials, social media and website, making your new company look highly reputable to potential customers. 02 Free use of our meeting room Our impressive Manchester office has a meeting room that you can book for one time and use when you need a more formal setting for meetings - boosting your professional image with the flexibility you need, while keeping costs down. 04 Support round the clock Starting your own business can feel overwhelming - but it doesn’t need to be. You’ll have our support whenever you need it, to maximise your chances of success. Pay Monthly Pay Annually /month + VAT Basic Package £9.99 For new businesses who want to make a great first impression with a prestigious address. Order Now Registered and director service address that can be used for Companies House, website, social media, and marketing materials Unlimited digital mail forwarding of statutory mail Up to 2 items of digital mail forwarding of business-related mail per calendar month /month + VAT Professional Package £12.99 For growing businesses who want to take their address to the next level. Upgrade the basic package with enhanced mail forwarding. Order Now Registered and director service address that can be used for Companies House, website, social media, and marketing materials Unlimited digital mail forwarding of statutory mail Up to 5 items of digital mail and post mail forwarding of business mail per calendar month /month + VAT Premium Package £39.99 Ultimate virtual office solution for businesses who demand the very best. With a regular mailing address, this is the perfect business solution for rapid-growing businesses. Order Now Registered and director service address that can be used for Companies House, website, social media, and marketing materials Unlimited digital mail forwarding of statutory mail Up to 100 items of digital mail and post mail forwarding of business mail per calendar month /per year + VAT Basic Package £99.99 For new businesses who want to make a great first impression with a prestigious address. Order Now Registered and director service address that can be used for Companies House, website, social media, and marketing materials Unlimited digital mail forwarding of statutory mail Up to 2 items of digital mail forwarding of business-related mail per calendar month /per year + VAT Professional Package £129.99 For growing businesses who want to take their address to the next level. Upgrade the basic package with enhanced mail forwarding. Order Now Registered and director service address that can be used for Companies House, website, social media, and marketing materials Unlimited digital mail forwarding of statutory mail Up to 5 items of digital mail and post mail forwarding of business mail per calendar month /per year + VAT Premium Package £399.99 Ultimate virtual office solution for businesses who demand the very best. With a regular mailing address, this is the perfect business solution for rapid-growing businesses. Order Now Registered and director service address that can be used for Companies House, website, social media, and marketing materials Unlimited digital mail forwarding of statutory mail Up to 100 items of digital mail and post mail forwarding of business mail per calendar month Which package is right for you? Which virtual office address package is right for you will ultimately depend on your circumstances and how much support you need to get your business ready to roll. Check it here The 4-step onboarding process Manchester Virtual Office offers a very simple, quick and convenient onboarding framework for our customers who need a virtual office. The good news is — you can do all these online! What our clients say about us 95% of clients would use us again 99% customer satisfaction rate 60% average reduction in costs for new clients within the first year Frequently asked questions Home Page Registered Office Address Start Up A-Z General Company Formation Help After Company Formation Virtual Offices Address Services Business Call Answering Documents Filing SUAZ Homepage FAQs Other Services Filing Confirmation Statement Business Support Club Partnership Director’s Service Address in Manchester Compare Packages Virtual Office Birmingham Virtual Office How can SUAZ offer company formations for free? Companies House have been increasing their prices in recent years with a jump from £12 in 2024 to £100 in 2026. This could be a hurdle for many people starting a business and we want to make it more accessible. We partner with top business providers to provide additional services for new business owners like you, earning us commissions that let us subsidise your company formation at no cost to you. When can your business be up and running? We try our best to get your business up and running as quickly as possible. Submissions sent before midday usually come back to us the same day, but this can’t be guaranteed as delays do happen. We try to get all applications back within 36 hours, but if there are issues with your application such as your company name being flagged for extra checks, this can delay the process. Frequently Asked Questions See all FAQs

At just £5 +VAT, this package covers company formation, including the Companies House mandatory £50 filing fee. Its a great value with money-back guarantee. Quick Formation: Start Your Business Now Choose a name and get your company formation prioritised This package, at just £5 +VAT , covers not only a quick company formation, but also includes Companies House mandatory £50 filing fee. It’s great value and comes with a money-back guarantee. About this package £ 5 . 00 +VAT Buy now Consider this if... You need a limited company and you need it quickly. This package guarantees a quick formation and resolution or your money back. This package doesn’t include extra perks, but they can be purchased during the checkout process. What's Included Limited company formation Companies House filing fee (£50) included in the price Standard memorandum & company articles Priority Formation Digital documents pack Help & support by phone or online Business Support Club Account Key Features Priority formation No hidden fees Digital documents Professional assistance No paperwork Know more about the inclusions Company Formation Company Formations Digital Documents Pack Help and Support Help and Support BSC Account BSC Or... you can go with Privacy Package! Choose this package to use our prestigious address to register your company, instead of your home address. Also included, a business telephone number that forwards to your mobile so customers see a business, not a person. Read more Additionally, you will get: Business Landline number Manchester Virtual office address

Start Up A-Z Christmas Policy 2025. Update for customers on the working hours of staff and Companies House during the Christmas and New Year period for 2025/26 Start Up A-Z Christmas Policy 2025 1 min read Company Formations, Virtual Office Table of Contents Categories Beginner's Guide Business Trends Company Formations Start-Up Finance Virtual Office For the Start Up A-Z team, Monday 22nd December to Friday 26th December are non-working days for most office staff. From Monday 29th December onwards, we will generally be open and processing orders as normal. With some staff still on annual leave, customers should allow for minor delays of 24–48 hours for complex or extensive queries. The office will be closed on New Year’s Day due to the bank holiday, with normal operations resuming the next working day. Post Processing (Virtual Office Customers) Post processing will continue as normal from Monday 29th December. Customers should be aware that postal and courier services may experience delays over the Christmas period, which are outside of our control. Identity Verification ID verification for new clients will continue where possible during the Christmas period. Verification may take longer than usual due to reduced staffing levels. This allows applications to be prepared in advance of full operations resuming. Company Formation Submissions Company formations submitted after 2:00 pm on Wednesday 24th December will not be submitted to Companies House until Monday 29th December. Customers with urgent formation requirements should submit directly via Companies House: https://www.gov.uk/set-up-limited-company Companies House processing times are likely to be extended over the Christmas and New Year period. General Processing All applications and requests submitted during the Christmas period will be processed as quickly as possible once normal staffing levels resume Recommended Readings

Discover the impact of Companies House fee changes on agents & SUAZ's commitment to free company formation. Stay informed & empower your business with SUAZ. Changes to Companies House Fees 8 min read Company Formations Table of Contents Categories Understanding the recent changes to Companies House fees What does this mean for SUAZ? What does this mean for other company formations agents? So, how much does it cost to form a limited company now? SUAZ’s commitment to free company formations Adapting to change: empowering entrepreneurs Beginner's Guide Business Trends Company Formations Start-Up Finance Virtual Office Following a recent government announcement, there are going to be changes to Companies House fees coming on May 1st 2024. These changes mean there’ll be an increase in the cost of starting a business in the UK. Below, you’ll find all the necessary information regarding the changes to the fees, and how they might affect your plans to start your own business, as well as some insight from our expert team. Understanding the recent changes to Companies House fees Companies House is increasing its fees for a range of business necessities, which includes an increase in company incorporation fees. These fees are increasing for all types of businesses and all methods of incorporation. Specifically, the cost to incorporate a company digitally is rising from £12 to £50, an increase of more than 300%. However, this isn’t about the government trying to maximise its own profits, as explained by our Start-Up Advisor, Joe. “It’s important to remember that Companies House doesn’t make any money by increasing its fees. It’s justifying this increase by spending more money protecting the integrity of the public register. If these changes lead to more accurate information on Companies House, there will be a decrease in fraud and the overall benefit to the reputation of UK companies. Having said this, the fee increases make starting a company, which is already expensive, even more so, and may put some people off making this leap. “Any increase in fees is clearly unfortunate for new business owners and hits small businesses the hardest. However, if the increased revenue is used wisely by Companies House, it will mean a more robust public register of information, which will give greater confidence to UK businesses.” What does this mean for SUAZ? At SUAZ, we’re proud to offer free company formations, so if you’re looking to start your own business, choosing us as your company formations agent means you won’t have to worry about the current £12 incorporation fee. We’re committed to offering you the opportunity to start your own business with our support, and the latest announcement regarding the changes to Companies House fees doesn’t affect what we can offer today. It would be disingenuous of us to guarantee that we will continue to offer the free product beyond May - this news was announced only last week and we would be wary of any agent that is already promising to offer free formations regardless of the fee increase. We know that any business, whether yours or ours, is built on careful decisions. As soon as we decide on the future of our free company formations product, we’ll communicate it to you clearly. The best way to keep up to date with the rapidly developing news is to join our mailing list. What does this mean for other company formations agents? It’s hard to know exactly how the changes to Companies House fees will change the landscape for company formation agents. The increase in fees will likely make it harder for everyone to offer free company formations in the future, and it really is a good incentive to take advantage of our free company formations offer while we can guarantee it. So, how much does it cost to form a limited company now? The changes to the Companies House fees come off the back of legislation passed in Parliament in October 2023, namely the Economic Crime and Corporate Transparency Act, which received Royal Assent on October 26. Designed to allow Companies House to play a much greater role in disrupting economic crime, this legislation does affect how small businesses will interact with Companies House. This includes changes to the way accounts are reported and how directors are identified, and greater powers to query information. Companies House is set up to take a much more hands-on approach to vetting and protecting the public register. Companies House fees work on a cost recovery basis, with fees covering the costs of services delivered. With an increase in the scope of work for Companies House, the change to the fees reflects this. The table below highlights the increase in fees in the areas that may be relevant to small businesses - for a breakdown of every planned change in Companies House fees, check out the Companies House website . Service Channel Current Cost New Cost Incorporation Digital £12 £50 Incorporation Paper £71 Confirmation Statement Digital £34 Change of Name Digital £20 SUAZ’s commitment to free company formations Our free company formations product is important to us, and our mission hasn’t changed due to this news. Our aims are still to: Take the stress away from starting a new business Give the new businesses we work with the best possible chance of success Support small businesses like yours with the best possible start We believe that the best start we can offer a new business is the Business Support Club - a unique marketplace that provides you with access to vetted suppliers to help you grow your idea into a business. By signing up to the Business Support Club via the free company formations product on SUAZ, you’re giving your business the best possible chance of success right from day one. As a member of the Business Support Club, you’re putting your trust in us and our suppliers; so it’s only right that we absorb the first cost of your business journey - the incorporation fee. Adapting to change: empowering entrepreneurs Changes to Companies House fees are not easy to read as a budding entrepreneur - but business has always been about adapting to a changing environment. On one hand, the knowledge that fees will rise in the future means there’s never been a better time to start your own business than today, beating the increase! On the other hand, you may not want to be rushed. These changes aren’t ideal, but perhaps they’re the catalyst you need to make your dreams of owning your own business a reality. Our Knowledge Base is packed full of information on starting companies in a range of industries and sectors, and it’s important to do the correct research before making any decisions. Beyond our own blog, we’d encourage you to sign up for the Companies House newsletter for up-to-the-minute information on any further changes in Companies House fees. Whatever path you choose to take, SUAZ and BSC are here to support you every step of the way. Our Start-Up Advisor, Joe, has the following tips for entrepreneurs following the Companies House announcement.“ We know that starting a business is already expensive and increased statutory fees aren’t exactly going to help. We’ve always promoted starting businesses with an emphasis on keeping costs down and this is getting more and more important. Here are some key tips to keep costs down: Don’t buy too much stock It can be exciting to buy stock, but buying too much can act like an anchor on your business, weighing on cashflow and meaning your budget is all tied up. Buy second-hand or leased equipment Buying older equipment can be significantly cheaper than buying new. Or consider leasing initially until you have a reliable income. Negotiate everything Lots of business purchases are negotiable. As the saying goes, if you don’t ask you don’t get. Always ask for a discount! Use Business Support Club Using BSC will allow you to compare suppliers and find the best value products and services for your new business. At SUAZ, the biggest mistake we see new business owners make is overspending when they start their company without proving the concept first. We highly recommend proving your idea works on a budget, then scaling up when you have demonstrated demand.” The changes to the Companies House fees don’t need to be the end of your entrepreneurial aspirations. With SUAZ and BSC on your side, they could be the moment you decide to make the best decision of your life and take advantage of a free company formation product that you can trust, while it’s still there! Recommended Readings

Discover the latest trends in self-employed survival rates in the UK for 2025, along with tips for thriving as a self-employed professional in today's economy. The UK’s self employed survival rates for 2025 10 min read Beginner's Guide Table of Contents Categories What is self employment? Top performers: The best self employed survival rates How to thrive as a self employed professional in 2025 Master financial planning Prioritise networking and your connections Invest in ongoing education and mentorship Develop your online presence Ready to kickstart your business? Beginner's Guide Business Trends Company Formations Start-Up Finance Virtual Office Ready for a fresh start where no two days are the same? Starting your own business could be just what the doctor ordered. But if you’re new to entrepreneurship, becoming self employed in the UK can feel like a minefield. As of 2023, 4% of new businesses ceased trading by the end of the first year and 50% within just three years of opening, which can leave you feeling apprehensive. But you’ll be pleased to hear that many self-employed professionals do survive and thrive . In fact, we’ll prove it to you. We’ve uncovered the business survival rates for those self employed, using Companies House data. With this insight, you’ll know which industries are most risky and which are most resilient, to improve your chances of business success. What is self employment? Being self-employed means earning a living from your own business, rather than working for an employer. So you’re essentially working for yourself. Those who are self-employed are usually highly skilled in a particular area or industry, such as writers, tradespeople or lawyers, and many call themselves freelancers . Ultimately, those who are self-employed run their businesses for themselves and are responsible for its success or failure . Top performers: The best self employed survival rates When it comes to new business survival rates for those self-employed, certain professions came out on top. The best-performing self-employed job in recent years is dentists, with 1,595 new dentistry businesses being set up in 2021, and 1,347 still active in 2024 - an impressive 84.5%. Other resilient business areas include vets, with 68.7% of businesses that formed in 2021 still thriving in 2024, and solicitors with 68.4%. A key similarity between these professions is their nature - each of them offers an essential service to the public. Dentists and vets provide essential medical care, while solicitors offer legal advice and support. These services are consistently in demand and aren’t affected by popularity, trends or shifting consumer preferences. The same can be said for electrician businesses, with 59% of those formed in 2021 still going strong today. Electrical work is a necessity in both residential and commercial environments, so it’s no surprise that so many electrician businesses are successful. There’s also a consistent need for electricians, whether it’s new construction, emergency repairs or renovations, their services are always in demand. To improve your chances of business success, you may want to focus on an industry or field that is consistently in demand or essential, to ensure your services remain valuable and competitive, regardless of economic conditions or changing market trends. How to thrive as a self employed professional in 2025 If you’re looking to start your own business, you want it to flourish, right? After all, without a solid cash flow and regular customers, you’ll struggle to maintain financial stability and have the grounds to grow your enterprise. We’ve put together some simple but effective tips to boost your business’ longevity and ensure success. Master financial planning Financial stability is the backbone of any successful business - without it, you won’t have the funds to earn an income or watch it grow. Budgeting wisely is key. Track your income and expenses carefully to ensure you have enough to live on and a budget for growth opportunities. Try to build an emergency fund where you can - this serves as a safety net so you have the funds set aside should you encounter any challenges, such as market fluctuations or emergencies. Writing a business plan can help you with your financial planning. You’ll cover forecasted sales, cash flow and expenses, so you have a complete picture of your business’ finances. Looking to grow your financial knowledge? Working with an accountant or financial adviser can help you manage your taxes, streamline your cash flow and give you the confidence to manage your finances effectively. Prioritise networking and your connections Remember, every business owner in the world was once in your position. Use your network to your advantage and build strong relationships you can rely on. You can use social media platforms like LinkedIn and Instagram to showcase your expertise and connect with like-minded professionals. There’s more to networking than just digital connections - you could attend conferences, networking events and workshops to get your name out there and even find new job opportunities. Invest in ongoing education and mentorship There’s no such thing as knowing too much. Investing in your education can work wonders for your business. Keep up with the latest trends by reading industry publications, attending webinars and following experts in your field. Not only will this keep you equipped with changes and advancements in your industry, but it also increases your marketability. You could even find a mentor to support you on your business journey and help you grow your skills. You’ll have an experienced guide at hand to offer valuable insights, advice and experience to guide you towards business success. Develop your online presence Having an online presence as a business is no longer optional. Having a professional website to showcase your services is crucial to get your business’ name out there and connect with potential customers. Make sure your website is optimised for search engines, known as SEO, to attract potential clients and increase your business visibility. Use social media platforms to build brand awareness and make your customers remember you. A strong digital footprint is crucial for building a reputation and standing out from your competitors. Ready to kickstart your business? One thing’s for sure from our findings - the more your customers need or value your business services, the more likely it is that your business will thrive. Let’s take the performing arts sector for example - while not an essential service, performing arts remains a thriving business venture by providing entertainment and escapism, with 58.1% of performing arts businesses still thriving three years after formation. The top-performing professions often focus on offering essential services that are consistently in demand, ensuring a steady stream of clients regardless of economic change or market trends. But there’s more to business success than the sector you operate in. Focusing on financial planning, investing in your education and developing a strong online presence is crucial for business growth as a self employed professional. So, what are you waiting for? If you’re ready to start your self-employed business venture, we’d love to be a part of your journey. Start Up A-Z is here to support you every step of the way. You can form your business for free (yes, really!) and you’ll have our support there whenever you need it. We believe you have what it takes to thrive. Recommended Readings

Save time and money on your accounting. Crunch provides all-inclusive accountancy services with dedicated accountants and easy-to-use software. Sign Up Now! < Back Crunch: Your Finances, Finally Simplified. Who are they? All-inclusive accountancy service. Save time, money, and tax with Crunch. Unlike other software, their chartered accountants make your accounting a breeze. Why choose Crunch? Just like us, they're founders and entrepreneurs who know the pain points of running a small business and the shortfalls of traditional accounting. Crunch launched in 2009 as a fairly priced, all-inclusive service for freelancers, contractors, and small businesses, bringing together easy-to-use online accounting software with in-house accredited accountants. Join nearly 40,000 other small business owners who are already using Crunch. Get flexible pricing and all your finance accounting needs solved when you join today. Key Points Crunch Accountancy offers: Unlimited help and advice A FREE no obligation consultancy call with one of their support team Low fixed monthly accounting fees for Limited Companies Regular business recommendations, such as Tax efficiency reviews, to ensure that you are getting the most out of your business Access to your own dedicated accountant Completion of your accounts and tax returns Access to simple online accounting software Previous Available Services Services available for Sole Traders and Limited Companies Invoicing Bookkeeping Payroll Corporation Tax Filing Year End Accounts On-demand Accountants Self Assessment Next

Secure director’s address services in Manchester with SUAZ. Maintain privacy and establish a credible presence for your business. Browse our packages today. Director’s Service Address in Manchester You can use your home address as your director service address in the UK, but to protect your privacy (and avoid any unexpected visitors!), you may prefer to buy one of our packages, which give you a professional director service address in the bustling city of Manchester. There’s no better place for your business to call home. Select a Package Take a Virtual tour of the Office Your director’s service address in Manchester As well as using our Manchester office as your director’s service address, depending on which package you choose you can also make use of its facilities. If you’re looking for a director’s service address to keep your home address away from the public eye, our Manchester office doors are wide open. Our three-storey Georgian-style office building is tough to miss, centrally located in Manchester’s impressive legal and financial district. It offers the perfect balance - quiet and calm with the buzz of the city’s bars and shops close by. Take advantage of our office in Manchester to get your business’ name out there - our prestigious, northern home is yours when you need it. What is a director’s service address? As director of a limited company , you’re legally required to have a director’s service address. A director’s service address is a correspondence address which you will use to receive statutory mail related to your business, such as letters from Companies House or HMRC. This address is made available to the public, but don’t panic - this doesn’t mean everyone needs to know where you live. To protect the privacy of directors in the UK, you can choose to have your director’s address as separate from your home address, according to the Companies Act 2006. You can opt for a service address that acts as your business’ correspondence address, to help you keep your personal information secure. The only people who will be able to see your residential address will be public authorities and credit agencies. Why choose SUAZ for a director service address? If you’re wondering why you should choose us for your director service address, we’re sure we have enough going for us to convince you. If you’re looking for a company formation agent that has your back every step of the way, you’ve found it with SUAZ. Here are just some of the benefits of our service: 01 Mail forwarding You’ll get unlimited mail forwarding regardless of the package you choose, making it simple to keep track of your business’ communications. 03 Exclusive BSC access Once you’ve bought your package you’ll gain exclusive access to a Business Support Club (BSC) account. Through BSC you’ll be able to contact us whenever you need to, manage your orders and access any documents we’ve sent to you. 05 Low cost It shouldn’t cost a fortune to follow your dreams. For just £9.99 +VAT you’ll get a director’s service address - a small price to pay for a lifetime of success. 02 Tailored to you Each business is different, so your package should be personalised to your individual needs. For some, a director’s service address is all they need, whereas others need extra support to get their business off the ground. You can buy additional add-ons to give your company a head start. 04 A helping hand You don’t need to feel alone when starting your business. We’re here to support you whenever you need us, whether you need advice or you’ve misplaced a document. Pay Monthly Pay Annually /month + VAT Basic Package £9.99 For new businesses who want to make a great first impression with a prestigious address. Order Now Registered and director service address that can be used for Companies House, website, social media, and marketing materials Unlimited digital mail forwarding of statutory mail Up to 2 items of digital mail forwarding of business-related mail per calendar month /month + VAT Professional Package £12.99 For growing businesses who want to take their address to the next level. Upgrade the basic package with enhanced mail forwarding. Order Now Registered and director service address that can be used for Companies House, website, social media, and marketing materials Unlimited digital mail forwarding of statutory mail Up to 5 items of digital mail and post mail forwarding of business mail per calendar month /month + VAT Premium Package £39.99 Ultimate virtual office solution for businesses who demand the very best. With a regular mailing address, this is the perfect business solution for rapid-growing businesses. Order Now Registered and director service address that can be used for Companies House, website, social media, and marketing materials Unlimited digital mail forwarding of statutory mail Up to 100 items of digital mail and post mail forwarding of business mail per calendar month /per year + VAT Basic Package £99.99 For new businesses who want to make a great first impression with a prestigious address. Order Now Registered and director service address that can be used for Companies House, website, social media, and marketing materials Unlimited digital mail forwarding of statutory mail Up to 2 items of digital mail forwarding of business-related mail per calendar month /per year + VAT Professional Package £129.99 For growing businesses who want to take their address to the next level. Upgrade the basic package with enhanced mail forwarding. Order Now Registered and director service address that can be used for Companies House, website, social media, and marketing materials Unlimited digital mail forwarding of statutory mail Up to 5 items of digital mail and post mail forwarding of business mail per calendar month /per year + VAT Premium Package £399.99 Ultimate virtual office solution for businesses who demand the very best. With a regular mailing address, this is the perfect business solution for rapid-growing businesses. Order Now Registered and director service address that can be used for Companies House, website, social media, and marketing materials Unlimited digital mail forwarding of statutory mail Up to 100 items of digital mail and post mail forwarding of business mail per calendar month Which package is right for you? Which virtual office address package is right for you will ultimately depend on your circumstances and how much support you need to get your business ready to roll. Check it here A look inside our Manchester address. If you’re looking to make your mark in the business world, there’s no better place than Manchester. Your virtual office address will be right in the heart of Manchester - one of the UK’s most vibrant and influential cities. Located at Bartle House, our office building is tough to miss with its impressive three-storey Georgian-style exterior, situated in a private gated compound alongside other professional businesses. With meeting rooms, a manned reception and lively social spaces, it’d be tough to find a better place for your new business to call home. Take a Tour of the Office Bartle House Office Address: Bartle House, Oxford Court, Manchester M23WQ Phone: 0330 320 1929 Email: help@suaz.co.uk Setting up your director’s service address Manchester Virtual Office offers a very simple, quick and convenient onboarding framework for our customers who need a virtual office. The good news is — you can do all these online! What our clients say about us 95% of clients would use us again 99% customer satisfaction rate 60% average reduction in costs for new clients within the first year Frequently asked questions Home Page Registered Office Address Start Up A-Z General Company Formation Help After Company Formation Virtual Offices Address Services Business Call Answering Documents Filing SUAZ Homepage FAQs Other Services Filing Confirmation Statement Business Support Club Partnership Director’s Service Address in Manchester Compare Packages Virtual Office Birmingham Virtual Office How can SUAZ offer company formations for free? Companies House have been increasing their prices in recent years with a jump from £12 in 2024 to £100 in 2026. This could be a hurdle for many people starting a business and we want to make it more accessible. We partner with top business providers to provide additional services for new business owners like you, earning us commissions that let us subsidise your company formation at no cost to you. When can your business be up and running? We try our best to get your business up and running as quickly as possible. Submissions sent before midday usually come back to us the same day, but this can’t be guaranteed as delays do happen. We try to get all applications back within 36 hours, but if there are issues with your application such as your company name being flagged for extra checks, this can delay the process. Frequently Asked Questions See all FAQs

While there’s no legal requirement to use an accountant for a limited company, find out how a qualified accountant can reduce tax fines and risk of liability. Do I need an accountant as a limited company? 12 min read Company Formations Table of Contents Categories How can an accountant help a limited company? Company tax return Filing annual accounts Advise on accounting software Bookkeeping VAT returns Payroll Reduce room for error Reduce tax Is it worth getting an accountant for a limited company? Beginner's Guide Business Trends Company Formations Start-Up Finance Virtual Office Starting a limited company comes with a lot of big decisions to make, especially around your financial responsibilities. From tax filing to legal and compliance requirements, there’s a lot to get your head around, especially if you’re new to entrepreneurship. If you’re asking the question ‘Do I need an accountant as a limited company?’, chances are it could benefit you. In fact, a whopping 92% of SMBs use the service of an accountant , with half of them using their services at least weekly. Using an accountant can alleviate any worries you may have about managing your business’ finances, so you can focus on the exciting stuff like steering your business towards success. We’ve put together this blog which covers the role of accountants for limited companies, the key benefits they can offer and whether it’s worth the investment for your new enterprise. How can an accountant help a limited company? Starting your own business often requires you to wear several hats, especially to begin with. You’ll be figuring out how to market your product or service, becoming your own boss and running the day-to-day operations. Another key responsibility is managing the financial side of the business, which can feel daunting. Just some of the financial responsibilities you’ll need to take care of as a business owner include: Dealing with Corporation Tax: Calculating and paying your Corporation Tax is an important responsibility - should you miss a deadline or make an error, you may need to pay a penalty. End-of-year accounts: You’ll need to prepare and file your annual accounts with Companies House and ensure they comply with accounting standards. Managing VAT returns: You’ll need to manage VAT invoices, calculate VAT due and submit your returns to HMRC. You’ll usually need to submit a VAT return to HMRC every 3 months, known as your accounting period. Your company’s payroll: If you have employees, you’ll need to take care of your company’s payroll. This involves calculating income tax, National Insurance Contributions (NIC), and making sure your employees are paid the right amount on time. Handling HMRC and Companies House filings: You’ll need to keep up with your Companies House and HMRC filings to stay compliant with legal requirements. Your personal tax return: You’ll need to submit a personal tax return each year which can feel complicated, especially if your income includes money from other sources or dividends. Your annual confirmation statement: You must file a confirmation statement at least once a year to ensure the details Companies House holds about your company are up to date. Ongoing bookkeeping: Keeping records of all your transactions and bank statements as a business is key for financial health and compliance. Quite the list, isn’t it? These tasks may sound unnecessary or time-consuming, but are crucial for running a successful business and ensuring you adhere to legal requirements. But you’ll be relieved to hear, should you choose to hire an accountant, the above will all be taken off your hands. Working with a finance professional means you can delegate these responsibilities to an expert who has the knowledge and experience to manage them correctly. This can alleviate any fears of filing something wrong or missing a deadline, so you can solely focus on growing your business. So, if you’re asking ‘Can I do my own accounts for a limited company?’, the answer is yes, but you may benefit from trusting an expert to take care of the financial side of things for you instead. We’ll cover the ways an accountant can help you in more detail below. Company tax return While you don’t legally need an accountant to help file your tax return, having one can give you the peace of mind that all the boxes are ticked and no mistakes have been made. They can help you file your company’s tax return by accurately calculating your company’s profits, expenses and any allowable deductions. They’ll ensure all of your financial records are organised correctly, and use this information to calculate how much corporation tax you owe. Accountants are well-versed in all areas of tax, so are confident in handling complex tax calculations. This can be a major time saver, especially as a new business owner with a never-ending to-do list! An accountant can free up your resources, so you can focus on the important and more exciting stuff like marketing your business and keeping clients happy. Filing annual accounts As a limited company , filing annual accounts is a crucial responsibility and should you miss a deadline, you may need to pay a significant penalty. Hiring an accountant will ensure that your annual accounts are prepared correctly and filed on time, so you can avoid those costly late submission fees. Just some of the ways an accountant can help with filing annual accounts include: Sticking to deadlines: As a business owner, you’ll likely have endless things to remember, making it easy to forget filing deadlines. Your accountant will prepare your annual accounts well in advance, so you don’t need to worry about missing the deadline. Avoiding late fees: As mentioned, if your accounts are filed late Companies House will impose automatic penalties starting at a whopping £150 for being just one day late . These penalties increase significantly the longer the delay. Hiring a professional means you won’t worry about missing a deadline and being out of pocket. Trusting an accountant to file your annual accounts means you can focus on running your business with the peace of mind that your accounts are all taken care of. You’ll know you comply with legal requirements and won’t face any unnecessary fines. Advise on accounting software Accounting software can streamline repetitive tasks such as invoicing and payroll, saving you time and minimising the risk of errors. Reliable software allows you to access your real-time financial data and make informed business decisions. Accountants are experts in their field, so you can trust their opinions when it comes to choosing the best accounting software for your business. Given their background and expertise, as well as their understanding of your business’ needs, they can recommend software that best suits you. You’ll know that your chosen financial management tools aren’t just effective but also the right choice for your unique business’ needs. Bookkeeping Bookkeeping is a vital aspect of business management and can be time-consuming and complicated at first. That’s where an accountant can help. They can handle your day-to-day bookkeeping tasks, from preparing financial statements to recording transactions. You’ll never need to worry about your financial records not being accurate or compliant, as you’ll be working with an experienced professional. Trusting an accountant to handle your bookkeeping responsibilities can streamline your bookkeeping processes, ensure your books are updated regularly and help you plan for future investments. Perhaps you’ll look to expand your business or buy new equipment - your accountant can take a look at your accounts and help you plan for your financial goals. VAT returns Value Added Tax (VAT) is an important financial obligation for many businesses. As a business, you need to register for VAT if your VAT-taxable turnover exceeds £90,000. You can also choose to register for VAT if your turnover is less than £90,000. As a VAT-registered business, there are several conditions you must adhere to such as keeping records of how much VAT you pay for things you buy for your business, reporting the amount of VAT you charge your customers and the amount of VAT you pay to other businesses. Your accountant can ensure that your business handles VAT correctly, pays it on time and ensures you avoid any fines or penalties. They’ll track VAT on any applicable transactions and make sure your business claims all allowable VAT. They’ll also ensure that you meet each VAT return quarterly deadline. Payroll Regardless of the size of your company, managing your payroll correctly is crucial. Payroll management involves making sure your employees are paid accurately and on time, as well as ensuring the correct amount of tax and National Insurance is deducted and paid to HMRC. Here are just some of the ways an accountant can support you with payroll management: Paying your staff: An accountant can calculate the correct wages for all your employees, including the more complicated stuff like overtime and bonuses. PAYE (Pay As You Earn): Your accountant will handle the tax side of things, making sure the correct amount of income tax is deducted from employees’ and directors’ pay under the PAYE system. Meeting deadlines: Accountants ensure everyone is paid on time and also make sure all tax and NIC payments to HMRC are delivered on time, so you won’t need to worry about any late fees or penalties. Reduce room for error An accountant’s job is to do the finance side of things correctly. This means you won’t need to worry about making a mistake on any important forms, missing a deadline, or misreporting information. They’ll double-check your financial data before it’s submitted to Companies House or HMRC and also handle any complex transactions to give you the reassurance that they are taken care of correctly, in line with tax laws. Speaking of tax laws - these regulations frequently change and it can be tough to keep up with as a business owner. With an accountant, you won’t need to worry about keeping up to date with the latest tax legislation - that’s their responsibility. You’ll have the peace of mind that you’re always compliant with any new rules or changes. Reduce tax A key benefit of working with an accountant is their understanding of tax rules and how you can minimise your tax as a business. They can advise you on any potential tax deductions, such as making the most of your director’s pay by paying yourself a smaller salary and taking the majority of your income as dividends. They can also explain which deductible business expenses you’re entitled to claim, such as office costs and travel expenses. With an accountant’s support, you’ll know the most tax-efficient way to pay yourself as a business owner, as well as any changes in tax law that may affect your business. Is it worth getting an accountant for a limited company? It’s understandable to want to keep costs down when starting a new business. But hiring an accountant for your limited company could save you significant money long term. When it comes to managing complex financial tasks such as tax returns and ensuring compliance with legal requirements, an accountant can be a huge asset to your business. An accountant’s expertise can save you time, be a source of knowledge and prevent any errors that could cost you significant money in penalties. It sounds like a worthy investment to us. Looking for the right accountant for your business? Our business partner, BSC, can match you with an accountant that understands your business needs. Alternatively, if you’re thinking of taking the leap and starting your own business, SUAZ is here to help. With us, you can form your company for free (yes, really!) and we’re here to support you at every stage. Form your company with SUAZ today and experience a journey like no other. Recommended Readings

Explore our detailed legal guidelines, service policies, and user responsibilities to ensure a transparent and informed experience. Visit now for information. TERMS AND CONDITIONS Last updated January 04, 2023 TABLE OF CONTENTS 1. AGREEMENT TO TERMS 2. INTELLECTUAL PROPERTY RIGHTS 3. USER REPRESENTATIONS 4. PROHIBITED ACTIVITIES 5. USER GENERATED CONTRIBUTIONS 6. CONTRIBUTION LICENSE 7. SUBMISSIONS 8. THIRD-PARTY WEBSITE AND CONTENT 9. SITE MANAGEMENT 10. PRIVACY POLICY 11. COPYRIGHT INFRINGEMENTS 12. TERM AND TERMINATION 13. MODIFICATIONS AND INTERRUPTIONS 14. GOVERNING LAW 15. DISPUTE RESOLUTION 16. CORRECTIONS 17. DISCLAIMER 18. LIMITATIONS OF LIABILITY 19. INDEMNIFICATION 20. USER DATA 21. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES 22. MISCELLANEOUS 23. CONTACT US 1. AGREEMENT TO TERMS These Terms of Use constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”) and SKILLSERVE TECH LTD ("Company," “we," “us," or “our”), concerning your access to and use of the https://www.suaz.co.uk website as well as any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected thereto (collectively, the “Site”). We are registered in England and have our registered office at Bartle House, Manchester, Greater Manchester M23WQ. You agree that by accessing the Site, you have read, understood, and agreed to be bound by all of these Terms of Use. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS OF USE, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITE AND YOU MUST DISCONTINUE USE IMMEDIATELY. Supplemental terms and conditions or documents that may be posted on the Site from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Terms of Use from time to time. We will alert you about any changes by updating the “Last updated” date of these Terms of Use, and you waive any right to receive specific notice of each such change. Please ensure that you check the applicable Terms every time you use our Site so that you understand which Terms apply. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms of Use by your continued use of the Site after the date such revised Terms of Use are posted. The information provided on the Site is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Site from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable. The Site is intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Site. 2. INTELLECTUAL PROPERTY RIGHTS Unless otherwise indicated, the Site is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws of the United States, international copyright laws, and international conventions. The Content and the Marks are provided on the Site “AS IS” for your information and personal use only. Except as expressly provided in these Terms of Use, no part of the Site and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission. Provided that you are eligible to use the Site, you are granted a limited license to access and use the Site and to download or print a copy of any portion of the Content to which you have properly gained access solely for your personal, non-commercial use. We reserve all rights not expressly granted to you in and to the Site, the Content and the Marks. 3. USER REPRESENTATIONS By using the Site, you represent and warrant that: (1) you have the legal capacity and you agree to comply with these Terms of Use; (2) you are not a minor in the jurisdiction in which you reside; (3) you will not access the Site through automated or non-human means, whether through a bot, script, or otherwise; (4) you will not use the Site for any illegal or unauthorized purpose; and (5) your use of the Site will not violate any applicable law or regulation. If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof). 4. PROHIBITED ACTIVITIES You may not access or use the Site for any purpose other than that for which we make the Site available. The Site may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us. As a user of the Site, you agree not to: Systematically retrieve data or other content from the Site to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us. Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords. Circumvent, disable, or otherwise interfere with security-related features of the Site, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Site and/or the Content contained therein. Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Site. Use any information obtained from the Site in order to harass, abuse, or harm another person. Make improper use of our support services or submit false reports of abuse or misconduct. Use the Site in a manner inconsistent with any applicable laws or regulations. Engage in unauthorized framing of or linking to the Site. Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Site or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Site. Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools. Delete the copyright or other proprietary rights notice from any Content. Attempt to impersonate another user or person or use the username of another user. Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats (“gifs”), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as “spyware” or “passive collection mechanisms” or “pcms”). Interfere with, disrupt, or create an undue burden on the Site or the networks or services connected to the Site. Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Site to you. Attempt to bypass any measures of the Site designed to prevent or restrict access to the Site, or any portion of the Site. Copy or adapt the Site’s software, including but not limited to Flash, PHP, HTML, JavaScript, or other code. Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Site. Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Site, or using or launching any unauthorized script or other software. Use a buying agent or purchasing agent to make purchases on the Site. Make any unauthorized use of the Site, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses. Use the Site as part of any effort to compete with us or otherwise use the Site and/or the Content for any revenue-generating endeavor or commercial enterprise. Use the Site to advertise or offer to sell goods and services. Sell or otherwise transfer your profile. 5. USER GENERATED CONTRIBUTIONS The Site may invite you to chat, contribute to, or participate in blogs, message boards, online forums, and other functionality, and may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Site, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, "Contributions"). Contributions may be viewable by other users of the Site and through third-party websites. As such, any Contributions you transmit may be treated as non-confidential and non-proprietary. When you create or make available any Contributions, you thereby represent and warrant that: The creation, distribution, transmission, public display, or performance, and the accessing, downloading, or copying of your Contributions do not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark, trade secret, or moral rights of any third party. You are the creator and owner of or have the necessary licenses, rights, consents, releases, and permissions to use and to authorize us, the Site, and other users of the Site to use your Contributions in any manner contemplated by the Site and these Terms of Use. You have the written consent, release, and/or permission of each and every identifiable individual person in your Contributions to use the name or likeness of each and every such identifiable individual person to enable inclusion and use of your Contributions in any manner contemplated by the Site and these Terms of Use. Your Contributions are not false, inaccurate, or misleading. Your Contributions are not unsolicited or unauthorized advertising, promotional materials, pyramid schemes, chain letters, spam, mass mailings, or other forms of solicitation. Your Contributions are not obscene, lewd, lascivious, filthy, violent, harassing, libelous, slanderous, or otherwise objectionable (as determined by us). Your Contributions do not ridicule, mock, disparage, intimidate, or abuse anyone. Your Contributions are not used to harass or threaten (in the legal sense of those terms) any other person and to promote violence against a specific person or class of people. Your Contributions do not violate any applicable law, regulation, or rule. Your Contributions do not violate the privacy or publicity rights of any third party. Your Contributions do not violate any applicable law concerning child pornography, or otherwise intended to protect the health or well-being of minors. Your Contributions do not include any offensive comments that are connected to race, national origin, gender, sexual preference, or physical handicap. Your Contributions do not otherwise violate, or link to material that violates, any provision of these Terms of Use, or any applicable law or regulation. Any use of the Site in violation of the foregoing violates these Terms of Use and may result in, among other things, termination or suspension of your rights to use the Site. 6. CONTRIBUTION LICENSE By posting your Contributions to any part of the Site, you automatically grant, and you represent and warrant that you have the right to grant, to us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free, fully-paid, worldwide right, and license to host, use, copy, reproduce, disclose, sell, resell, publish, broadcast, retitle, archive, store, cache, publicly perform, publicly display, reformat, translate, transmit, excerpt (in whole or in part), and distribute such Contributions (including, without limitation, your image and voice) for any purpose, commercial, advertising, or otherwise, and to prepare derivative works of, or incorporate into other works, such Contributions, and grant and authorize sublicenses of the foregoing. The use and distribution may occur in any media formats and through any media channels. This license will apply to any form, media, or technology now known or hereafter developed, and includes our use of your name, company name, and franchise name, as applicable, and any of the trademarks, service marks, trade names, logos, and personal and commercial images you provide. You waive all moral rights in your Contributions, and you warrant that moral rights have not otherwise been asserted in your Contributions. We do not assert any ownership over your Contributions. You retain full ownership of all of your Contributions and any intellectual property rights or other proprietary rights associated with your Contributions. We are not liable for any statements or representations in your Contributions provided by you in any area on the Site. You are solely responsible for your Contributions to the Site and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions. We have the right, in our sole and absolute discretion, (1) to edit, redact, or otherwise change any Contributions; (2) to re-categorize any Contributions to place them in more appropriate locations on the Site; and (3) to pre-screen or delete any Contributions at any time and for any reason, without notice. We have no obligation to monitor your Contributions. 7. SUBMISSIONS You acknowledge and agree that any questions, comments, suggestions, ideas, feedback, or other information regarding the Site ("Submissions") provided by you to us are non-confidential and shall become our sole property. We shall own exclusive rights, including all intellectual property rights, and shall be entitled to the unrestricted use and dissemination of these Submissions for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you. You hereby waive all moral rights to any such Submissions, and you hereby warrant that any such Submissions are original with you or that you have the right to submit such Submissions. You agree there shall be no recourse against us for any alleged or actual infringement or misappropriation of any proprietary right in your Submissions. 8. THIRD-PARTY WEBSITE AND CONTENT The Site may contain (or you may be sent via the Site) links to other websites ("Third-Party Websites") as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ("Third-Party Content"). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Site or any Third-Party Content posted on, available through, or installed from the Site, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content. Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Site and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Terms of Use no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Site or relating to any applications you use or install from the Site. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us harmless from any harm caused by your purchase of such products or services. Additionally, you shall hold us harmless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites. 9. SITE MANAGEMENT We reserve the right, but not the obligation, to: (1) monitor the Site for violations of these Terms of Use; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Terms of Use, including without limitation, reporting such user to law enforcement authorities; (3) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof; (4) in our sole discretion and without limitation, notice, or liability, to remove from the Site or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and (5) otherwise manage the Site in a manner designed to protect our rights and property and to facilitate the proper functioning of the Site. 10. PRIVACY POLICY We care about data privacy and security. Please review our Privacy Policy: https://app.termly.io/document/privacy-policy/4c7b1bcd-adcd-4325-9cf8-025b854db201 . By using the Site, you agree to be bound by our Privacy Policy, which is incorporated into these Terms of Use. Please be advised the Site is hosted in England. If you access the Site from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in England, then through your continued use of the Site, you are transferring your data to England, and you agree to have your data transferred to and processed in England. 11. COPYRIGHT INFRINGEMENTS We respect the intellectual property rights of others. If you believe that any material available on or through the Site infringes upon any copyright you own or control, please immediately notify us using the contact information provided below (a “Notification”). A copy of your Notification will be sent to the person who posted or stored the material addressed in the Notification. Please be advised that pursuant to applicable law you may be held liable for damages if you make material misrepresentations in a Notification. Thus, if you are not sure that material located on or linked to by the Site infringes your copyright, you should consider first contacting an attorney. 12. TERM AND TERMINATION These Terms of Use shall remain in full force and effect while you use the Site. WITHOUT LIMITING ANY OTHER PROVISION OF THESE TERMS OF USE, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SITE (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE TERMS OF USE OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SITE OR DELETE ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION. If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress. 13. MODIFICATIONS AND INTERRUPTIONS We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Site. We also reserve the right to modify or discontinue all or part of the Site without notice at any time. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Site. We cannot guarantee the Site will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Site, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Site at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Site during any downtime or discontinuance of the Site. Nothing in these Terms of Use will be construed to obligate us to maintain and support the Site or to supply any corrections, updates, or releases in connection therewith. 14. GOVERNING LAW These conditions are governed by and interpreted following the laws of England, and the use of the United Nations Convention of Contracts for the International Sale of Goods is expressly excluded. If your habitual residence is in the EU, and you are a consumer, you additionally possess the protection provided to you by obligatory provisions of the law of your country of residence. SKILLSERVE TECH LTD and yourself both agree to submit to the non-exclusive jurisdiction of the courts of __________, which means that you may make a claim to defend your consumer protection rights in regards to these Terms of Use in England, or in the EU country in which you reside. 15. DISPUTE RESOLUTION Informal Negotiations To expedite resolution and control the cost of any dispute, controversy, or claim related to these Terms of Use (each "Dispute" and collectively, the “Disputes”) brought by either you or us (individually, a “Party” and collectively, the “Parties”), the Parties agree to first attempt to negotiate any Dispute (except those Disputes expressly provided below) informally for at least thirty (30) days before initiating arbitration. Such informal negotiations commence upon written notice from one Party to the other Party. Binding Arbitration Any dispute arising from the relationships between the Parties to this contract shall be determined by one arbitrator who will be chosen in accordance with the Arbitration and Internal Rules of the European Court of Arbitration being part of the European Centre of Arbitration having its seat in Strasbourg, and which are in force at the time the application for arbitration is filed, and of which adoption of this clause constitutes acceptance. The seat of arbitration shall be Manchester, England. The language of the proceedings shall be English. Applicable rules of substantive law shall be the law of England. Restrictions The Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. To the full extent permitted by law, (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons. Exceptions to Informal Negotiations and Arbitration The Parties agree that the following Disputes are not subject to the above provisions concerning informal negotiations and binding arbitration: (a) any Disputes seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a Party; (b) any Dispute related to, or arising from, allegations of theft, piracy, invasion of privacy, or unauthorized use; and (c) any claim for injunctive relief. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court. 16. CORRECTIONS There may be information on the Site that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Site at any time, without prior notice. 17. DISCLAIMER THE SITE IS PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SITE AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SITE AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SITE’S CONTENT OR THE CONTENT OF ANY WEBSITES LINKED TO THE SITE AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SITE, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SITE, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SITE BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SITE. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SITE, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE. 18. LIMITATIONS OF LIABILITY IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE six (6) mONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING. CERTAIN US STATE LAWS AND INTERNATIONAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS. 19. INDEMNIFICATION You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) your Contributions; (2) use of the Site; (3) breach of these Terms of Use; (4) any breach of your representations and warranties set forth in these Terms of Use; (5) your violation of the rights of a third party, including but not limited to intellectual property rights; or (6) any overt harmful act toward any other user of the Site with whom you connected via the Site. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it. 20. USER DATA We will maintain certain data that you transmit to the Site for the purpose of managing the performance of the Site, as well as data relating to your use of the Site. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Site. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data. 21. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES Visiting the Site, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SITE. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means. 22. MISCELLANEOUS These Terms of Use and any policies or operating rules posted by us on the Site or in respect to the Site constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Terms of Use shall not operate as a waiver of such right or provision. These Terms of Use operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Terms of Use is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms of Use and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Terms of Use or use of the Site. You agree that these Terms of Use will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Terms of Use and the lack of signing by the parties hereto to execute these Terms of Use. 23. CONTACT US In order to resolve a complaint regarding the Site or to receive further information regarding use of the Site, please contact us at: SKILLSERVE TECH LTD Bartle House Manchester, Greater Manchester M23WQ England Phone: (+44)0330 320 1929 help@suaz.co.uk

Congratulations on your new office! Next steps: Before changing your address: You’ll need to wait for a text from Stripe Identity ⁠You’ll need to upload your proof of ID ⁠Wait for confirmation you are verified When you’re verified you’ll be able to use your SUAZ office as your: ⁠Registered office address ⁠Director service address ⁠On your website ⁠On sales materials Remember: Your virtual office isn’t a trading address, so make sure you give your bank, HMRC and any official bodies that ask for your trading address or place of business as the address you work from. This is particularly important when you order your business bank cards as getting them sent to us can cause needless delays. Also remember not to get parcels delivered to the virtual office, they can’t be processed or stored by our staff. Give us a call if you have any questions: 0333 880 2295 Don’t forget to rate us on Trust Pilot: