Most issues we uncover aren’t obvious day to day.  They sit quietly in the background:

• PAYE and pension balances in Xero don’t match HMRC
• Payroll journals are missing or posted incorrectly
• Payments don’t align to liabilities
• Business owners aren’t sure what they actually owe

That’s when “everything seemed fine” suddenly turns into:

• HMRC letters
• unexpected cashflow pressure
• penalties or arrears

The health check is designed to catch this early — calmly and properly.

✔ Payroll setup and process review
✔ RTI submissions and statutory deductions
✔ HMRC PAYE account sense-check
✔ Pension contribution process review
✔ Payroll journals and control accounts in Xero
✔ Identification of risks, errors or inefficiencies

• A clear view of whether things are correct
• An explanation of any issues — in plain English
• Confidence in what you owe (or clarity on what needs fixing)
• A simple next-step plan if action is needed

No obligation. No pressure to switch providers.

• Run payroll for an SME
• Use Xero (or plan to)
• Want confidence in HMRC and pension liabilities
• Are growing, restructuring, or tightening controls
• Suspect things aren’t as clean as they should be

If you value clarity and senior oversight over call centres and ticket systems, this will be a good fit.

Harbour Business Support helps SME owners gain control over payroll, compliance and back-office processes — without jargon or panic.

I work hands-on as a de facto payroll and compliance specialist, ensuring payroll is accurate, liabilities are understood, and Xero reflects reality.

The goal is simple:
no surprises, no messy reconciliations, and numbers you can trust.