Zero2CFO

Free Route Maps for small business owners

Small business finance, mapped out step by step

VAT. Payroll. Tax deadlines. Cash flow. Every week we take the finance questions owners ask all the time and turn each one into a map you can follow in minutes. Start at the top, follow the stops, and you're done.

Every rule is checked against the official source and dated, so you know it's current.

Choose your mapsGet the new maps every Thursday

Checked and published by Clive Angel, who has 30 years in finance.

Route Map: What are my Companies House filing deadlines?
Latest: Route Map No. 003

Where do you trade?

Pick your maps

Tax rules depend on where your business is. The basics don't.

UK

UK small business finance

VAT, director's loans, Companies House deadlines. Checked against GOV.UK and UK law.

See all 3 mapsUS

US small business finance

Federal tax, payroll and filing dates for US small businesses. Checked against the IRS and other US government sites.

First maps coming soonGeneral

Finance basics for every owner

Cash flow, pricing, margins and reading your own numbers. The finance basics that work wherever you trade.

First maps coming soon

How it works

Start at the top. Follow the stops. Done.

  1. Start here

    The first stop tells you what to check, so you know where you stand.

  2. Follow the stops

    One step at a time, in the order you'll actually meet them.

  3. Spot the traps

    Red stops show where getting it wrong costs you money.

  4. Check the source

    Every rule links to where it's written down, with the date we checked it.

Start hereDecideDeadlineCost of getting it wrongWatch outOfficial sourceDone

Route Maps

The latest maps

New ones land every Thursday, on the questions owners search for most.

No. 003 · UK · Companies House

What are my Companies House filing deadlines?

The two Companies House deadlines for a private limited company, what filing late costs, and when you can get more time.

9 stops · checked 4 November 2026

No. 002 · UK · Corporation Tax

What is the s455 tax on an overdrawn director's loan?

When an overdrawn loan triggers s455 tax, the 9 months and 1 day date, and how the company gets the tax back.

9 stops · checked 4 November 2026

No. 001 · UK · VAT

When must I register for VAT?

Run the two threshold tests every month, register on time and know what you owe from day one.

10 stops · checked 3 November 2026

See all the maps

Who checks the maps

Checked by someone with 30 years in finance. Written for owners.

I'm Clive Angel. I've spent more than 30 years in finance, helping businesses grow, raise money and get their numbers right. Most finance guidance is written by accountants, for accountants. Route Maps are written for the people running the business. Every map is checked against the official rules before it goes live, and we re-check them every month.

Route Maps are general information, not personal advice. If your situation is tricky, talk to your accountant.