A D E P T

November 2025 Tax Update: Key Changes Every Business Should Know

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Introduction

As 2025 draws to a close, several important tax and financial updates have been introduced that may affect individuals, families, and business owners across the UK.
From estate planning strategies and Companies House fee adjustments to free childcare funding and the latest crypto tax warnings, it’s essential to stay informed and compliant.

At Adept Accountax, our mission is to simplify complex tax updates and help you make confident financial decisions. In this month’s roundup, we highlight the key developments you should know — and how you can take proactive steps before year-end to protect your wealth and stay ahead of HMRC deadlines.

1. Estate Planning Matters

Many high-net-worth individuals are reviewing property, Capital Gains Tax (CGT) and Inheritance Tax (IHT) arrangements before the year end. Proper estate planning helps reduce tax liabilities and ensures your assets are passed efficiently to your loved ones.

If you don’t have a Will, your assets may not go to your intended beneficiaries. In addition, failing to plan ahead can expose your estate to unnecessary tax burdens.

At Adept Accountax, we design tailored estate plans to protect your property, wealth, and family.
Now is the perfect time to review your position and take control of your financial legacy.

📞 Need help with inheritance or capital gains planning? Contact our tax team today.

2. Companies House Fees — Changes from February 2026

The UK Government has confirmed that Companies House fees will increase from February 2026, marking the first significant change in several years.

Below is a summary of the key adjustments:

ServiceCurrent FeeNew Fee (Feb 2026)Change
Company Incorporation (Digital)£50£100↑ £50
Confirmation Statement£34£50↑ £16
Voluntary Strike Off£33£13↓ £20

If your business regularly incorporates new entities or files multiple statements annually, these changes will affect your operational costs. We recommend reviewing your budget and filing early if possible to take advantage of the current lower fees.

3. Free Early Education for Children Aged 3 & 4

All children aged 3 and 4 in England are entitled to 15 hours per week of free early education for 38 weeks per year. Some local authorities also offer “stretched” hours to cover the full year.

The basic entitlement is not income-dependent. However, for the extended 30-hour entitlement, families earning over £100,000 per parent are not eligible.

If you’re close to the income threshold, our advisers can help you understand how adjusted net income is calculated and whether tax-efficient planning could help you qualify for extended childcare hours.

4. Crypto Tax Warnings on the Rise

HMRC has intensified its focus on crypto investors, sending out thousands of “nudge” letters to individuals suspected of underpaying tax on crypto gains.

Key points to remember:

  • Capital Gains Tax (CGT) applies when you sell or exchange crypto assets for profit.
  • Income Tax may apply if HMRC classifies your trading activity as a business.
  • Keep detailed records of all crypto transactions — including purchase dates, sale amounts, and wallet transfers.

Ignoring crypto tax obligations can lead to penalties and backdated interest. Adept Accountax offers specialist crypto tax reporting support to help you stay compliant.

5. Self-Assessment Deadline Approaching — 31 January

The Self-Assessment deadline is fast approaching. Don’t leave your return to the last minute!

Submitting your tax return early ensures you have time to plan for any liabilities, avoid penalties, and correct errors before submission.

📅 Deadline: 31 January 2026
💡 Tip: Even if you cannot pay your full tax bill immediately, filing your return on time avoids late filing penalties.

👉 Book Your Self-Assessment Review today and let our experts take the stress out of tax season.

Final Thoughts

As the year draws to a close, it’s crucial to stay on top of changing tax regulations and filing deadlines. Whether you need advice on estate planning, company filings, childcare eligibility, or crypto compliance, the Adept Accountax team is here to help.

📍 Address: 95 Miles Road, Mitcham, Greater London, CR4 3FH
📞 Phone: 0203 488 3736
✉️ Email: info@adeptaccountax.com

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