Who we are

Henry R Davis & Co, leading chartered accountants since 1912.  Working in partnership with businesses in Chester, North Wales and The Wirral providing a holistic, yet traditional approach to accountancy.

Mission Statement

Henry R Davis & Co work in partnership with their clients sharing the combined goal of achieving more business profit and growth.  Much more than completing tax returns and filing accounts, Henry R Davis and Co take a holistic approach to finance, ensuring businesses are in optimum financial health now and for the future.

Jonathan

Jonathan

Once a professional footballer with Chester City (he even has his own Wikipedia page!), Jonathan is now just as much on the ball in the world of accountancy with his love of tax planning and problem solving. He enjoys all the fun, friendship and fundraising that comes with being a member of the Round Table, and spending time with his wife Sian and daughters Annabelle and Eva. Tea and cake are his weaknesses!

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Tony

Tony

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Colin

Colin

Colin’s diverse range of interests could fill this entire website on their own, and luckily, they include accountancy. When not in financial mode, he is a keen follower of football and cycling, takes time out to watch his daughter on the netball court or can be spotted running, to work off his fondness for flapjacks and real ale. With a passion for bobble hats and socks too, he’s a man able to develop a fascination in just about anything!

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Zoe

Zoe

With a friendly, straight-talking nature, workaholic Zoe has every attribute needed to be the boss at a forward-thinking accountancy firm like Henry R. Davis, not least an overriding urge to help people. Zoe relishes the opportunity to lead her highly driven team and tackle challenges head on. Zoe is a member of Ladies Circle and treasurer of the local beer festival. When not working, she spends time looking after her grandson and walking her dog.

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Natalie

Natalie

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Julie

Julie

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Bev

Bev

Tax is never too taxing for Bev, who takes it in her stride and is blessed with the straight-talking demeanor needed to be an insightful accountant. Away from the office, she’s a wife, a mother and a carer for her father, who returns the favour with a steady supply of flapjacks and coconut macaroons for the team. Bev is also the owner of a Bloodhound – fitting for someone doggedly determined to help her clients!

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Debs

Debs

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Angela

Angela

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Click on an image to find out more about our team!

About Us

Henry R Davis was established over a century ago, in 1912.  The strong traditional values on which the Firm was built are still very much relevant and form the basis of today’s working culture. Our premises and people have changed over the last century, however, the practices on which we were founded have not. 

Our clients see us as an extension to their business in terms of financial decisions, planning and support.  We work alongside businesses, advising ways to reduce costs, whilst at the same time optimising for future grow. 

The team at Henry R Davis work across a board portfolio of clients from all business sectors.  Working with entrepreneurs, partnerships, limited companies and owner-managed businesses, providing a tailored service with reducing cost and business growth in mind. 

Whether you are looking for business start-up advice or thinking of strategies to make your enterprise as large and successful as it can be, Henry R Davis would love to work with you.

The offices are now based at a convenient location in Queensferry, Deeside.  With plenty of free car parking for clients to use whenever they need to pop in for a visit. 

Where We Can Help!

Business Development and Consultancy Services

At Henry R Davis, there is nothing we enjoy more than seeing businesses thrive! We have a dedicated team of experts to support you.

Business Development and Consultancy Services

At Henry R Davis, there is nothing we enjoy more than seeing businesses thrive! We believe that financial advice and planning plays a vital part in business success and we play a key part in this through our business development and consultancy services. 

Whether it is advice on setting up a new business or strategies for large expansion within your existing business, we have a dedicated team of experts that would be delighted to support you.

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VAT and Taxation

Taxation is all about efficiency, making sure you meet all your responsibilities, but at the same time not overpaying.

VAT and Taxation

Taxation is all about efficiency, making sure you meet all your responsibilities, but at the same time not overpaying.

Our team will work closely with your business to see where you could be saving money and providing ideas on which areas this could be going to as you look to reach your company’s goals.

With VAT rules always changing, and the penalties for failing to meet them being severe, why not ease your mind by working with us?

We can make sure you’re paying no more VAT than you need to while still meeting all requirements and deadlines

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Accounting

Accounting is what we do and have done for over 100 years!

Accounting

Accounting is what we do and have done for over 100 years! Whether you are a sole trader, partnership or limited company, we can prepare your accounts to minimise costs while fulfilling legal requirements to HMRC, Companies House and other regulatory bodies.

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Bookkeeping and Payroll

Managing payroll and keeping your books up to date can be a chore with costly errors. We can make sure it’s done efficiently and accurately.

Bookkeeping and Payroll

Managing payroll and keeping your books up to date is a chore at the best of times, and with costly payroll errors regularly in the news, you want to make sure it’s done efficiently and accurately.

At Henry R. Davis & Co, not only can we save you time, but we can maximise it too. We get to know your company and provide tailored bookkeeping services suited to your exact needs, ensuring a service that’s not just accurate, but identifies opportunities too.

Our friendly, expert staff can ensure full compliance and confidentially as they provide you with a tailored, cost-effective payroll service, taking worries like maternity leave and statutory sick pay off your mind.

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Business Start-Up

Finding your feet in business and are looking for some no obligation financial guidance? We're here to help you.

Business Start-Up

Perhaps you’re just finding your feet in business and are looking for some no obligation financial guidance? No problem!

Many of our clients have started their journey with us from an idea and have gone on to achieve success and growth with our assistance at every stage.

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Making Tax Digital

Are you ready to say good-bye to spreadsheets?! 

Making Tax Digital

Are you ready to say good-bye to spreadsheets?!  All VAT Returns now need to be submitted under the new “Making Tax Digital” (MTD) system for anyone over the VAT threshold of £85,000. 

The aim of Making Tax Digital is to modernise and streamline the way tax records are kept and make it easier to provide information to HMRC.

We offer one to one set-up training to  our clients and support them through every step of the process, ensuring they get to grips with online tax management.

Adhering to HMRC’s Making Tax Digital policy, you need never miss a deadline again!

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CIS

The world of contractors and tax is a complex one, so why not bring in some expertise?

CIS

The world of contractors and tax is a complex one, so why not bring in some expertise?

We can deal with verification, monthly returns and deductions.

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Company Secretarial Services

We can take care of Companies Act statutory compliance so you can relax and focus on running your business.

Company Secretarial Services

We can take care of Companies Act statutory compliance so you can relax and focus on running your business.

Our company secretarial services are flexible and tailored to each individual business need, get in touch for more information.

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Richard Minshull, Minshull Windows Ltd

I personally couldn't recommend more highly the services for accountancy of both Zoe Davenport & Jonathan Jones from Henry R.Davies & Co Ltd, both are professional yet friendly people who have a genuine interest in your business and support it with the great advice in an easy to understand manor.

 

 
Client Review
5
2020-05-26T15:16:25+00:00
I personally couldn't recommend more highly the services for accountancy of both Zoe Davenport & Jonathan Jones from Henry R.Davies & Co Ltd, both are professional yet friendly people who have a genuine interest in your business and support it with the great advice in an easy to understand manor.    

David Greenslade, Hedley Greenslade

We, as a business of approaching 60 years trading, have used the services of HRD for many, many of those years.

They have constantly been able to adapt as business changes, with up to date, concise advice and assistance, sometimes in the most difficult of circumstances.


Always friendly, where nothing appears to be too much trouble.

I’d recommend to anyone requiring any accounting services.


 
Client Review
5
2020-05-26T14:41:52+00:00
We, as a business of approaching 60 years trading, have used the services of HRD for many, many of those years. They have constantly been able to adapt as business changes, with up to date, concise advice and assistance, sometimes in the most difficult of circumstances. Always friendly, where nothing appears to be too much trouble. I’d recommend to anyone requiring any accounting services.  

Sue Oliver

As both a sole trader and then a social enterprise we have relied on the expert professional services from Zoe Devenport and her incredible team for many years. I highly recommend Henry R Davis whatever size your business, you will be guaranteed the same excellent service.

 
Client Review
5
2020-05-26T15:14:09+00:00
As both a sole trader and then a social enterprise we have relied on the expert professional services from Zoe Devenport and her incredible team for many years. I highly recommend Henry R Davis whatever size your business, you will be guaranteed the same excellent service.  
5
3
Client Review

Accreditations

HM Revenue & CustomsWe are the UK’s tax, payments and customs authority, and we have a vital purpose: we collect the money that pays for the UK’s public services and help families and individuals with targeted financial support.
ICAEW Chartered AccountantsThere are over 1.7m chartered accountants and students around the world − talented, ethical and committed professionals who use their expertise to ensure we have a successful and sustainable future. Over 150,000 of these are ICAEW Chartered Accountants.
XeroWe started Xero to change the game for small business. Our beautiful cloud-based accounting software connects people with the right numbers anytime, anywhere, on any device. For accountants and bookkeepers, Xero helps build a trusted relationship with small business clients through online collaboration.
KashflowSince 2005, KashFlow has been providing intuitive online accounting software for small business owners. Duane Jackson, a former web developer who found himself struggling with existing accounting software packages, founded the company after outgrowing using Word and Excel to do his invoicing and keep track of his accounts.
QuickbooksThis powerful accounting software package is developed and marketed by Intuit. With the vision that there should be a better, simpler way to do accounting, QuickBooks has been one of the biggest names in accounting and personal finance for three decades. QuickBooks products are geared mainly toward small and medium-sized businesses and offer on-premises accounting applications as well as cloud-based versions that accept business payments, manage and pay bills and payroll functions.

Keep Up To Date

This guide provides factual information to support the Self-Employed. We have focused on the guidance provided by UK Government, Welsh Government and ACAS.

Read More

COVID-19: A Definitive Guide for The Self-Employed

These are strange and stressful times. As such, we are committed to providing you with the best possible support and latest advice on Government schemes available to help businesses through the Coronavirus crisis.

There are many sources of conflicting and confusing guidance on websites and Social Media.  This guide is to provide factual information to support the Self-Employed. We have focused on the guidance provided by UK Government, Welsh Government and ACAS.

There are more than five million self-employed people in the UK, accounting for over 15% of the workforce. The Government have announced a number of schemes to support the self-employed and this guide goes into each scheme in more detail.  It covers who is eligible and how to go about applying, along with any additional information required.

The schemes detailed in this guide are:

  1. Defer Your Self-Assessment payment
  2. Self-employment Income Support Scheme (SEISS)
  3. Take a mortgage, loan, credit card payment holiday
  4. Universal credit
  5. Coronavirus Business Interruption Loan Scheme (CBILS)
  6. Grants for Businesses that pay little or no business rates
  1. Defer Your Self-Assessment Payment

If you’re due to pay a self-assessment payment on account by 31 July 2020 but the impact of the coronavirus causes you difficulty in making payment by that date, then you may defer payment until January 2021.

The deferment is optional and if you are still able to pay your second payment on account on 31st July you should do so.

This is an automatic offer with no applications required. No penalties or interest for late payment will be charged if you defer payment.

During the deferral period it is advisable to set up a budget payment plan to help you pay the deferred payment on account when it comes due.

HMRC has set up a phone helpline to support businesses and self-employed people concerned about not being able to pay their tax due to coronavirus (COVID-19).

The helpline allows any business or self-employed individual who is concerned about paying their tax due to coronavirus to get practical help and advice. Up to 2,000 experienced call handlers are available to support businesses and individuals when needed.

You can call the HMRC helpline for help and advice on 0800 024 1222.

Other useful links:

https://www.gov.uk/pay-self-assessment-tax-bill/pay-in-instalments

https://www.gov.uk/government/publications/guidance-to-employers-and-businesses-about-covid-19/covid-19-support-for-businesses#support-for-businesses-paying-tax-time-to-pay-service

  

  1. Self-Employment Income Support Scheme (SEISS)

The Self-employment Income Support Scheme (SEISS) will support self-employed individuals (including members of partnerships) who have lost income due to coronavirus (COVID-19).

This scheme will allow you to claim a taxable grant worth 80% of your trading profits up to a maximum of £2,500 per month for the next 3 months. This may be extended if needed.

The scheme will be open to those with a trading profit of less than £50,000 in 2018-19 or an average trading profit of less than £50,000 from 2016-17, 2017-18 and 2018-19.

To qualify, more than half of your income during these periods must come from self-employment.

To minimise fraud, only those who are already in self-employment and meet the above conditions will be eligible to apply. HMRC will identify eligible taxpayers and contact them directly with guidance on how to apply.

The income support scheme, which is being designed by HMRC from scratch, will cover the three months to May. Grants will be paid in a single lump sum instalment covering all 3 months and will start to be paid at the beginning of June.

You are advised not contact HMRC at the moment. HMRC will use existing information to check potential eligibility and invite applications once the scheme is operational.

Those who pay themselves a salary and dividends through their own company are not covered by the scheme but will be covered for their salary by the Coronavirus Job Retention Scheme if they are operating PAYE schemes.

Claim a grant through the Self-employment Income Support Scheme.

Key Points to Note
Who can Apply

You can apply if you’re a self-employed individual or a member of a partnership and you:

  • have submitted your Income Tax Self-Assessment tax return for the tax year 2018-19
  • traded in the tax year 2019-20
  • are trading when you apply, or would be except for COVID-19
  • intend to continue to trade in the tax year 2020-21
  • have lost trading/partnership trading profits due to COVID-19
  • your self-employed trading profits are less than £50,000
  • more than half of your income come from self-employment.
If you have not submitted your Income Tax Self-Assessment tax return for the tax year 2018-19, you must do this by 23 April 2020.
How much you’ll get

You’ll get a taxable grant which will be 80% of the average profits from the tax years (where applicable):

  • 2016 to 2017
  • 2017 to 2018
  • 2018 to 2019

To work out the average HMRC will add together the total trading profit for the 3 tax years (where applicable) then divide by 3 (where applicable) and use this to calculate a monthly amount.

It will be up to a maximum of £2,500 per month for 3 months.

We’ll pay the grant directly into your bank account, in one instalment.

How to apply

You cannot apply for this scheme yet.  HMRC will contact you if you are eligible for the scheme and invite you to apply online.

Individuals do not need to contact HMRC now and doing so will only delay the urgent work being undertaken to introduce the scheme.

Warning!

There has been an increase in fraudulent activities.  If someone texts, calls or emails claiming to be from HMRC, saying that you can claim financial help or are owed a tax refund, and asks you to click on a link or to give information such as your name, credit card or bank details, it is a scam!

  1. Mortgage, Loan, Credit Card Payment Holiday

A ‘payment holiday’ means you agree with your lender that you will not have to make mortgage payments for a set amount of time. Payment holidays are designed to help you when you may experience payment difficulties – in this case because of the coronavirus situation.

It is important to remember that you still owe the amounts that you don't pay as a result of the payment holiday. Interest will continue to be charged on the amount you owe.

This means that, at the end of the payment holiday, you will have to make up the missed payments. There will be various options for doing this, for example by increasing your monthly payments slightly, or by adding a short extension to your term. Your lender will be able to explain to you what options it offers.

Applying for a payment holiday

You should contact your lender if you are experiencing or reasonably expect to experience payment difficulties because of circumstances related to coronavirus.

Do Not Cancel your direct debit

Some mortgage holders, frustrated at not being able to get through to their banks, are just cancelling their monthly payment. You should not cancel your direct debit without speaking to your lender first. Cancelling your direct debit is not a payment holiday and will be counted as a missed payment. This could show up in your credit file and may impact your ability to remortgage.

How long do I have to apply for a mortgage holiday?

If you are experiencing or reasonably expect to experience payment difficulties and may need a payment holiday, you should speak to your lender in good time before the next payment is due. Please be considerate of others when contacting your lender and allow those with much closer dates into the queue first.

You can apply for a payment holiday at any time before this guidance is reviewed in 3 months. The payment holiday will not start, however, until it has been agreed with your lender.

Contacting your lender at this time

Lenders have committed to responding as quickly as possible, but due to high levels of demand and staff having to work from home, service levels might be slower than usual.

You should speak to your lender in good time before the next payment is due.

Before calling:

  • Ask yourself: Do I need to speak to my mortgage lender today?
  • Consider: Can I do this through mobile online banking?
  • Review: Is the answer already on my lender’s website?

If you are going to apply for a mortgage holiday, it's best to do it online where possible, as phone lines are likely to have huge backlogs.

  1. Universal Credit

Universal Credit is a monthly payment to help with your living costs. You may be able to get it if you’re on a low income or out of work.

If you are self-employed and claiming Universal Credit, and are required to stay at home or are ill as a result of coronavirus, the Minimum Income Floor (an assumed level of income) will not be applied for the period of time whilst you are affected.

From 6 April the requirements of the Minimum Income Floor was temporarily relaxed. This change will apply to all Universal Credit claimants and will last for the duration of the outbreak. New claimants will not need to attend the job centre to demonstrate gainful self-employment.

Use this link to check your eligibility for Universal Credit

  1. Coronavirus Business Interruption Loan Scheme (CBILS)

 

The Coronavirus Business Interruption Loan Scheme (CBILS) is available for SMEs through more than 40 accredited lenders across the UK.

Businesses are advised to approach their own provider first and the best way to do this is through the lender’s website. You may also consider approaching other lenders if they are unable to access the finance you need.

Whether you are eligible for CBILS is down to the discretion of the 40+ accredited CBILS lenders. These lenders range from high-street banks, to challenger banks, asset-based lenders and smaller specialist local lenders.

The scheme provides the lender with a government-backed, partial guarantee (80%) against the outstanding facility balance, subject to an overall cap per lender.

Any interest and fees will be paid by the Government for 12 months, meaning small businesses will benefit from no upfront costs and lower initial repayments.

Finance terms will be available up to six years for term loans and asset finance facilities. For overdrafts and invoice finance facilities, terms will be up to three years.

Eligibility criteria

Smaller businesses from all sectors can apply for the full amount of the facility. To be eligible for a facility under CBILS, Your business must:

  • Be UK-based in its business activity
  • Have an annual turnover of no more than £45 million
  • Have a borrowing proposal which the lender would consider viable, were it not for the current pandemic
  • Self-certify that it has been adversely impacted by the coronavirus (COVID-19).

Businesses from any sector can apply, except the following:

  • Banks, insurers and reinsurers (but not insurance brokers)
  • Public-sector bodies
  • Further-education establishments, if they are grant-funded
  • State-funded primary and secondary schools
 

6. Grants for Businesses that pay little or no business rates

 

The government will provide additional Small Business Grant Scheme funding for local authorities to support small businesses that already pay little or no business rates because of small business rate relief (SBBR), rural rate relief (RRR) and tapered relief. This will provide a one-off grant of £10,000 to eligible businesses to help meet their ongoing business costs.

Eligibility Criteria

You are eligible if:

  • your business is based in England
  • you are a small business and already receive SBBR and/or RRR
  • you are a business that occupies property
How to access the scheme

You do not need to do anything. Your local authority will write to you if you are eligible for this grant. Guidance for local authorities on the scheme will be provided shortly.

 

Conclusion

 

These are the current schemes available to support the self-employed through the Coronavirus crisis.  We are continuing to keep this guide updated with the latest information as they are communicated by the Government in order to support the self-employed.

If you require any further information or support for you or your business, please get in touch.

We hope you found this guide useful.

Henry R Davis & Co

Chartered Accountants

 

Key websites:

https://www.gov.uk/government/publications/guidance-to-employers-and-businesses-about-covid-19

https://www.gov.uk/government/publications/guidance-to-employers-and-businesses-about-covid-19

https://businesswales.gov.wales/government-support-businesses

https://www.acas.org.uk/coronavirus

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Self Employed - second payment on account due in...

Self-employed paying tax through payment on account will have to make their second payment by midnight on 31 July - although, for 2020, this payment can be deferred until 31 January 2021 thanks to emergency coronavirus measures.

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33 Chester Road West,
Queensferry
CH5 1SA
Mon - Fri 8:30am–5:00pm