Accountants in Bath & Somerset for Businesses and Individuals
Helping businesses and individuals with tax, accounting and financial advice across Bath, Warminster and Midsomer Norton. Making the difference on your journey...from start-up to success.
Our Offices
Midsomer Norton
124 High Street,
Midsomer Norton, BA3 2DA
01761 410444
Warminster
21A Market Place,
Warminster, BA12 9AY
01985 213130
Bath
Fully mobile service,
we come to you
01225 422183
ICAEW
REGISTERED ACCOUNTANTS
Fully regulated & ICAEW qualified
30+
YEARS OF EXPERIENCE
Serving businesses since 1994
3
LOCAL OFFICES
Bath, Warminster & Midsomer Norton
Free
INITIAL CONSULTATION
No obligation, no hidden charges
WHAT WE DO
Specialist Financial Services for Bath & Somerset
From annual tax returns to ongoing business growth advisory, PG Owen offer a full range of accounting and financial services tailored to family and owner-managed businesses across the region.
Self Assessment Tax Returns
Whether you're a sole trader, freelancer, landlord or higher-rate taxpayer, our tax team prepares and files your Self Assessment return accurately and on time, so you never face a late penalty. We review your income, expenses and available reliefs to ensure you pay only what you legally owe. With Making Tax Digital (MTD) for Income Tax coming into effect from April 2026, we'll guide you through the transition and set up compliant digital record-keeping. Fixed-fee pricing means no surprise charges.
Limited Company Accounting
Running a limited company comes with significant reporting obligations, from annual accounts at Companies House to corporation tax returns, director responsibilities and confirmation statements. PG Owen acts as your outsourced finance function, handling all statutory compliance while providing the financial insight you need to make informed decisions. We prepare your year-end accounts, calculate your corporation tax liability and identify legitimate ways to reduce your tax burden, including optimal salary and dividend strategies for directors. Whether you're a newly incorporated start-up or an established business, our tiered service packages (Business Basics, Business Stability or Business Growth) are designed to suit your needs and budget.
Small Business Accounting
Many small business owners know their trade inside out but feel less confident on the financial side. PG Owen provides affordable, jargon-free accounting support for sole traders, partnerships and small limited companies across Bath, Warminster, Midsomer Norton and the wider Somerset area. Our bookkeeping and cloud-based accounting services keep your records current, with real-time visibility of your finances and straightforward Making Tax Digital compliance. We act as your virtual Finance Director, translating numbers into meaningful insights so you can manage cash flow, control costs and plan for growth. As a people-first firm, we prefer face-to-face meetings, with video consultations available for convenience.
VAT Returns
VAT is one of the most complex areas of UK tax compliance, with multiple schemes, thresholds and deadlines to navigate. Errors can result in significant HMRC penalties, while missed reclaims cost your business money. PG Owen handles your VAT registration, quarterly return preparation and submission under Making Tax Digital for VAT requirements. We advise on the most beneficial scheme for your business, whether the standard method, flat rate, cash accounting or annual accounting. From straightforward returns to more complex scenarios involving partial exemption, construction industry VAT or overseas transactions, we have the expertise to get it right.
Payroll Services
Running payroll in-house can be a significant administrative burden, given the complexity of PAYE legislation, auto-enrolment pension obligations and employment allowances. A payroll error can damage staff morale and attract HMRC scrutiny. Our payroll bureau provides a reliable, fully managed payroll service for businesses of all sizes across Bath and Somerset. We handle everything from calculating employee pay, tax and National Insurance to Real Time Information (RTI) submissions, payslips, auto-enrolment, statutory payments (SSP and SMP) and year-end reporting including P60s and P11Ds. Outsourcing to PG Owen frees up your time to focus on running and growing your business.
Tax Planning & Advisory
Effective tax planning is about structuring your affairs in the most tax-efficient way within the bounds of UK law. PG Owen takes a proactive approach, reviewing your situation throughout the year rather than simply reacting at year-end. We advise on corporation tax mitigation, dividend planning, capital allowances, R&D credits, entrepreneurs' relief and inheritance tax planning. For landlords, we provide specialist advice on property tax changes including mortgage interest restrictions and capital gains tax on disposal. Our business advisory service works with you on a quarterly basis to review performance, identify opportunities and agree an action plan for growth.
Our Offices
Local Accountants Across Bath & Somerset
With established offices in Midsomer Norton and Warminster and a fully mobile service across Bath, PG Owen is always less than an hour away from being able to meet you face to face. We're proud to be a genuinely local firm — not a national call centre. Each office is staffed by experienced, qualified accountants who understand the local business community and can provide tailored advice that reflects your area's unique economic landscape. Whether you're based in the centre of Bath, a market town like Warminster, or the Mendip communities around Midsomer Norton, we're here when you need us.
Accountants in Midsomer Norton
Our principal office in Midsomer Norton serves the Mendip and Somerset communities including Radstock, Paulton, Frome and surrounding areas. A trusted local firm with decades of experience serving the region.
Accountants in Warminster
Our Warminster office serves businesses across West Wiltshire, including Trowbridge, Bradford on Avon, Westbury and Beckington. Local expertise with the resources of a full-service chartered accountancy practice.
Accountants in Bath
Serving businesses and individuals across Bath and the wider BANES area, including Keynsham, Saltford and surrounding villages. Our Bath accountants provide the full range of tax, accounting and financial advisory services.
We Also Serve
Why PG Owen
What Makes Us Different
We're not just number-crunchers. We're your trusted advisors — from the moment you start a business to the point of sale and beyond. Here's why hundreds of businesses across Bath and Somerset choose PG Owen.
Qualified Chartered Accountants
PG Owen are ICAEW-registered Chartered Accountants. Every piece of advice we provide meets the highest professional standards, and we are fully regulated to offer accountancy, taxation, audit, probate and financial services under one roof.
Genuine Local Expertise
We have deep roots in Bath, Warminster and Midsomer Norton. Our team understands the local business landscape, the challenges facing regional SMEs, and how to give advice that is grounded in the real world — not generic guidance from afar.
Personalised, Face-to-Face Advice
We're a people business. We prefer meeting clients face to face, at our Midsomer Norton or Warminster offices or at your home or business in and around Bath, taking the time to understand your goals and your challenges. Every service package we offer is tailored to your specific needs — there's no one-size-fits-all here.
Fixed Fee Services
We provide a fixed-price quotation for all work before it begins, so you'll never receive a surprise invoice. Our initial consultation is always free of charge. We use detailed pricing tools to ensure your investment in our service matches your precise needs and level of support required.
Proactive Business Growth Support
Through our Business Growth service, we work with clients at least quarterly — reviewing performance, identifying opportunities and agreeing actions. Most problems can be solved by applying accumulated experience intelligently. We're here to help you achieve your ambitions, whatever they look like.
Full-Service Under One Roof
From accountancy and tax to legal services, probate, mortgages, pensions and investments, PG Owen can support you and your family from cradle to grave — and beyond. Our directly FCA-authorised financial services team means you can access specialist advice without the hassle of finding another provider.
★★★★★
"PG Owen have been our accountants for many years and the service is always excellent. They explain everything clearly and give us real peace of mind with our tax affairs."
Business Owner, Bath
★★★★★
"Friendly, professional and always available. Our accountant at PG Owen treats us like a priority client. We wouldn't go anywhere else for our accounts and tax advice."
Limited Company Director, Warminster
★★★★★
"Switching to PG Owen was one of the best business decisions we made. They identified tax savings we didn't know existed and their advisory support has helped us grow significantly."
SME Owner, Midsomer Norton
News & Insights
Tax, Accounting & Business Advice
Stay informed with the latest tax updates, HMRC changes and business insights from the PG Owen team. Our articles are designed to help you make smarter financial decisions.
Common Questions
Frequently Asked Questions
Have a question about our accounting services or tax? Here are the answers to the questions we're most often asked by businesses and individuals across Bath and Somerset.
How much does an accountant cost?
The cost of an accountant depends on the services you need and the complexity of your affairs. At PG Owen, we provide a fixed-price quotation for all work before it begins, so you'll always know exactly what you'll pay. Our initial consultation is completely free of charge. We offer tiered service packages — Business Basics, Business Stability and Business Growth — designed to match different levels of support and investment. For a sole trader, basic Self Assessment preparation may cost from a few hundred pounds per year, while a full-service package for a growing limited company will reflect the greater scope of work involved. Contact us for a no-obligation quote tailored to your situation.
What services do accountants provide?
A full-service accountancy firm like PG Owen provides far more than just preparing year-end accounts. Our services include: Self Assessment tax return preparation and filing; limited company accounts and corporation tax returns; VAT registration and return submission; payroll bureau services; bookkeeping and online accounting; tax planning and mitigation advice; business start-up advice; business growth advisory; company secretarial services; audit services; landlord tax advice; legal services; probate; and access to mortgages, pensions, life assurance and investments through our FCA-authorised financial services team. In short, we can support you and your business from start-up to exit — and your family through significant life events. View our full services here.
What is Making Tax Digital and does it affect me?
Making Tax Digital (MTD) is HMRC's initiative to move tax administration online, requiring businesses and individuals to keep digital records and submit tax returns using compatible software. MTD for VAT is already mandatory for all VAT-registered businesses. MTD for Income Tax is coming into effect from April 2026 for sole traders and landlords with income over £50,000, expanding to those with income over £30,000 from April 2027. MTD for Corporation Tax is expected to follow later. PG Owen is fully prepared to support clients through MTD, helping with software setup, quarterly submissions and ensuring compliance. If you're unsure how MTD affects your business, contact us for guidance.
Do I need an accountant for a limited company?
You are not legally required to use an accountant for a limited company, but the vast majority of directors choose to do so. A limited company has significant reporting obligations — including annual statutory accounts filed at Companies House, a corporation tax return filed with HMRC, a confirmation statement, director self-assessment returns and potentially VAT returns and payroll. Getting these wrong can result in penalties and reputational damage. A qualified chartered accountant like PG Owen also adds value beyond compliance — advising on tax-efficient salary and dividend structures, identifying allowable expenses, and helping you plan for growth. Given the cost of an accountant relative to the tax savings and time saved, it is almost always a worthwhile investment for limited company directors.
Can accountants reduce my tax bill?
Yes — a proactive, qualified accountant can legitimately reduce your tax bill in a number of ways. This includes ensuring you claim all allowable expenses and capital allowances, structuring director remuneration tax-efficiently through the right combination of salary and dividends, making the most of pension contributions, timing the realisation of gains to manage capital gains tax, and identifying reliefs such as R&D tax credits where applicable. It is important to note that at PG Owen, we take a measured approach to tax planning — we focus on sound, HMRC-compliant strategies rather than aggressive or artificial schemes. Our goal is to ensure you pay exactly what you legally owe, and nothing more. Contact us to discuss your specific circumstances during a free initial consultation.
How do I switch accountants to PG Owen?
Switching accountants is simpler than most people think. The first step is to get in touch with us for a free initial consultation — we'll discuss your needs and explain exactly how we can help. Once you decide to proceed, we contact your previous accountant on your behalf to request your records and any outstanding information. We handle the entire handover process and take responsibility for your affairs from the point of engagement. There is no need for you to handle difficult conversations with your old accountant. We will also contact HMRC on your behalf to update your agent details. Most clients are pleasantly surprised at how straightforward the switch is. Get in touch today to get started.