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from Luxembourg and educated at the Rotterdam School of Management, he brings a sharp analytical mindset and a background in strategic management to our finance team. Maxime joined Spendesk in 2021 and has grown steadily through the ranks since, becoming our resident finance engineer.","text","maxime-reding","blog/author/maxime-reding",-1140,[],176408854,"21643648-1964-4f50-93e1-adc353a4c358","2026-03-17T08:43:08.491Z",[],[131,132,133],{"path":123,"name":26,"lang":37,"published":26},{"path":123,"name":26,"lang":39,"published":26},{"path":123,"name":26,"lang":41,"published":26},[135],{"name":136,"created_at":137,"published_at":16,"updated_at":138,"id":139,"uuid":140,"content":141,"slug":143,"full_slug":144,"sort_by_date":26,"position":145,"tag_list":146,"is_startpage":29,"parent_id":147,"meta_data":26,"group_id":148,"first_published_at":149,"release_id":26,"lang":33,"path":26,"alternates":150,"default_full_slug":144,"translated_slugs":151,"_stopResolving":42},"Expense management","2022-10-19T17:57:51.580Z","2026-03-12T10:47:22.910Z",206171408,"850961c4-ad89-4a0e-9294-8ac179da7176",{"_uid":142,"name":136,"component":22},"1d1a3e21-352f-4cb9-aa7b-7c289d6480be","expense-management","blog/topic/expense-management",-120,[],176456153,"3eab4956-fb03-4f41-b5a2-7a537d9ab106","2022-11-02T15:24:53.472Z",[],[152,153,154],{"path":144,"name":26,"lang":37,"published":26},{"path":144,"name":26,"lang":39,"published":26},{"path":144,"name":26,"lang":41,"published":26},{"type":112,"attrs":156,"content":157},{"backgroundColor":26},[158,163,169,175,185,261,278,285,291,299,353,379,385,392,407,413,439,454,467,473,480,486,520,526,533,539,561,567,573,580,586,592,796,802,808,967,973,979,985,991,998,1004,1158,1164,1170,1185,1192,1198,1211,1226,1233,1238,1350,1355,1360,1365,1378,1383,1388,1393,1423,1428,1433,1438,1445,1450,1568,1573,1578,1583,1588,1595,1609,1614,1621,1626,1633,1638,1643,1648,1655,1660,1665,1670,1675,1698,1705,1719,1724,1729,1734,1750,1755,1762,1776,1799,1804,1809,1826,1831,1836,1841,1848,1853,1911,1918,1932,1946,1951,1958,1963,1968,1982,1989,1994,2006,2011,2016,2021,2026,2031,2056,2061,2068,2073,2350,2356,2371,2377,2383,2389,2413,2428,2435,2441,2447,2454,2460,2467,2473,2480,2486,2493,2499,2506],{"type":115,"attrs":159,"content":160},{"textAlign":26,"key":117},[161],{"text":162,"type":121},"Your card statement closed on the 25th, your books close on the 31st, and every qualifying charge in between may sit outside the ledger until the next statement arrives.",{"type":115,"attrs":164,"content":166},{"textAlign":26,"key":165},"p-1",[167],{"text":168,"type":121},"Knowing how to accrue credit card expenses at month-end means those charges land in the period when you received or consumed the goods or services. The balance sheet then shows what you owed the issuer on the reporting date, and next month's statement does not record the same spend twice.",{"type":115,"attrs":170,"content":172},{"textAlign":26,"key":171},"p-2",[173],{"text":174,"type":121},"The mechanism is a dated accrual on the last day of the month, reversed on the first day of the next, and posted to an account you can agree to the issuer's transaction listing.",{"type":176,"attrs":177,"content":179},"heading",{"level":178,"textAlign":26},2,[180],{"text":181,"type":121,"marks":182},"Key takeaways",[183],{"type":184},"bold",{"type":186,"content":187},"bullet_list",[188,197,205,213,221,229,237,245,253],{"type":189,"content":190},"list_item",[191],{"type":115,"attrs":192,"content":194},{"textAlign":26,"key":193},"p-3",[195],{"text":196,"type":121},"Card purchases for goods or services received after the statement closing date and on or before month-end belong in the month you incurred them, whichever statement they later appear on.",{"type":189,"content":198},[199],{"type":115,"attrs":200,"content":202},{"textAlign":26,"key":201},"p-4",[203],{"text":204,"type":121},"Post the accrual on the last day of the month, debit each expense or asset line, credit the card liability account, and date the reversal for the first day of the next month.",{"type":189,"content":206},[207],{"type":115,"attrs":208,"content":210},{"textAlign":26,"key":209},"p-5",[211],{"text":212,"type":121},"Post the gap to a dedicated card liability account rather than general accrued liabilities, so the balance agrees to what the issuer says you owe.",{"type":189,"content":214},[215],{"type":115,"attrs":216,"content":218},{"textAlign":26,"key":217},"p-6",[219],{"text":220,"type":121},"Bank-feed cards need a pending-item check, statement-entered cards need the gap accrued, and employee personal cards need an estimate for unsubmitted expense claims.",{"type":189,"content":222},[223],{"type":115,"attrs":224,"content":226},{"textAlign":26,"key":225},"p-7",[227],{"text":228,"type":121},"Estimate from known items first, then use a documented run rate, and write down the threshold below which you do not accrue.",{"type":189,"content":230},[231],{"type":115,"attrs":232,"content":234},{"textAlign":26,"key":233},"p-8",[235],{"text":236,"type":121},"Interest, annual fees, and foreign transaction fees usually belong in finance or administrative costs, outside cost of sales and job costs.",{"type":189,"content":238},[239],{"type":115,"attrs":240,"content":242},{"textAlign":26,"key":241},"p-9",[243],{"text":244,"type":121},"Agree the statement to the GL liability balance and to receipts before you close, and treat a late statement as evidence about the month that has ended.",{"type":189,"content":246},[247],{"type":115,"attrs":248,"content":250},{"textAlign":26,"key":249},"p-10",[251],{"text":252,"type":121},"Cash-basis figures generally need no card accrual. Applicable accrual-basis reporting does for material items, whether or not a bank feed is connected.",{"type":189,"content":254},[255],{"type":115,"attrs":256,"content":258},{"textAlign":26,"key":257},"p-11",[259],{"text":260,"type":121},"Double-counting and missing reversals show up as overstated expenses and liabilities. Capturing card data at the point of spend shrinks the gap the accrual has to cover.",{"type":262,"content":263},"blockquote",[264],{"type":115,"attrs":265,"content":267},{"textAlign":26,"key":266},"p-12",[268,274],{"text":269,"type":121,"marks":270},"Disclaimer:",[271,272],{"type":184},{"type":273},"italic",{"text":275,"type":121,"marks":276}," This is general guidance for UK finance teams, not tax advice. VAT treatment depends on your specific circumstances, so consult a qualified tax adviser before making decisions based on the rules covered here.",[277],{"type":273},{"type":176,"attrs":279,"content":280},{"level":178,"textAlign":26},[281],{"text":282,"type":121,"marks":283},"How to accrue credit card expenses at month-end: the short answer",[284],{"type":184},{"type":115,"attrs":286,"content":288},{"textAlign":26,"key":287},"p-13",[289],{"text":290,"type":121},"Capture every material purchase for which you received the goods or services after the statement closing date and on or before the last day of the month. Debit the expense or asset accounts those purchases belong to, credit the credit card liability account, and reverse the whole entry on the first day of the next month. Receipt or consumption of the goods or services is the accounting trigger. The merchant transaction date provides evidence of when that happened, while the statement may arrive later.",{"type":176,"attrs":292,"content":294},{"level":293,"textAlign":26},3,[295],{"text":296,"type":121,"marks":297},"Steps to follow on the last working day of the month",[298],{"type":184},{"type":300,"attrs":301,"content":304},"ordered_list",{"order":302,"key":303},1,"ol-0",[305,313,321,329,337,345],{"type":189,"content":306},[307],{"type":115,"attrs":308,"content":310},{"textAlign":26,"key":309},"p-14",[311],{"text":312,"type":121},"Download the issuer's online transaction listing or export the data from your card platform, then filter to transaction dates after the closing date.",{"type":189,"content":314},[315],{"type":115,"attrs":316,"content":318},{"textAlign":26,"key":317},"p-15",[319],{"text":320,"type":121},"Review pending authorisations separately. Include the ones where you received the goods or service before month-end, and leave out holds that have not settled into a charge.",{"type":189,"content":322},[323],{"type":115,"attrs":324,"content":326},{"textAlign":26,"key":325},"p-16",[327],{"text":328,"type":121},"Code each charge to its expense or asset account, or use a card clearing account temporarily while you obtain the receipt.",{"type":189,"content":330},[331],{"type":115,"attrs":332,"content":334},{"textAlign":26,"key":333},"p-17",[335],{"text":336,"type":121},"Post one journal dated the last day of the month: debit expenses or assets, and credit the card liability account.",{"type":189,"content":338},[339],{"type":115,"attrs":340,"content":342},{"textAlign":26,"key":341},"p-18",[343],{"text":344,"type":121},"Set the journal to reverse on the first day of the following month, or diarise the manual reversal.",{"type":189,"content":346},[347],{"type":115,"attrs":348,"content":350},{"textAlign":26,"key":349},"p-19",[351],{"text":352,"type":121},"When the statement arrives, post it as normal. The reversal offsets the charges you accrued.",{"type":115,"attrs":354,"content":356},{"textAlign":26,"key":355},"p-20",[357,359,368,370,377],{"text":358,"type":121},"The classification behind step four comes from ",{"text":360,"type":121,"marks":361},"IAS 37 paragraph 11",[362,367],{"type":363,"attrs":364},"link",{"href":365,"uuid":26,"anchor":26,"target":366,"linktype":100},"https://www.ifrs.org/content/dam/ifrs/publications/html-standards/english/2026/issued/ias37.html","_blank",{"type":184},{"text":369,"type":121},", which separates trade payables from ",{"text":371,"type":121,"marks":372},"accruals",[373,376],{"type":363,"attrs":374},{"href":375,"uuid":26,"anchor":26,"target":366,"linktype":100},"https://www.spendesk.com/glossary/accruals/",{"type":184},{"text":378,"type":121},".",{"type":115,"attrs":380,"content":382},{"textAlign":26,"key":381},"p-21",[383],{"text":384,"type":121},"Trade payables cover goods or services that suppliers have delivered and invoiced or formally agreed. Accruals cover goods or services received but not yet paid, invoiced, or formally agreed. A card purchase that has not reached a statement can fit the second definition. The same paragraph notes that entities usually report accruals within trade and other payables. Under FRS 102, the same purchase may be an accrued expense within creditors. Neither framework gives it a special name, so the account you use is a policy decision rather than a rule.",{"type":176,"attrs":386,"content":387},{"level":178,"textAlign":26},[388],{"text":389,"type":121,"marks":390},"Why a statement closing date creates a month-end gap",[391],{"type":184},{"type":115,"attrs":393,"content":395},{"textAlign":26,"key":394},"p-22",[396,398,405],{"text":397,"type":121},"Billing cycles run on the issuer's clock, and no issuer documentation reviewed for this article sets the closing date to the last calendar day of the month by default. American Express UK describes its statement period as ",{"text":399,"type":121,"marks":400},"“generally every 30 days”",[401,404],{"type":363,"attrs":402},{"href":403,"uuid":26,"anchor":26,"target":366,"linktype":100},"https://www.americanexpress.com/en-gb/life-with-amex/credit-cards/credit-card-interest/",{"type":184},{"text":406,"type":121},", with the actual dates varying by account. Some US-headquartered charge card platforms anchor the cycle to the date of the first transaction or the day of the month when the provider approved the account. A company approved on the 7th therefore gets a 7th-to-7th cycle.",{"type":115,"attrs":408,"content":410},{"textAlign":26,"key":409},"p-23",[411],{"text":412,"type":121},"The three relevant dates rarely coincide:",{"type":186,"content":414},[415,423,431],{"type":189,"content":416},[417],{"type":115,"attrs":418,"content":420},{"textAlign":26,"key":419},"p-24",[421],{"text":422,"type":121},"The closing date controls which transactions appear on the statement.",{"type":189,"content":424},[425],{"type":115,"attrs":426,"content":428},{"textAlign":26,"key":427},"p-25",[429],{"text":430,"type":121},"Calendar month-end sets the reporting cut-off.",{"type":189,"content":432},[433],{"type":115,"attrs":434,"content":436},{"textAlign":26,"key":435},"p-26",[437],{"text":438,"type":121},"The payment due date controls cash timing.",{"type":115,"attrs":440,"content":442},{"textAlign":26,"key":441},"p-27",[443,445,452],{"text":444,"type":121},"The ",{"text":446,"type":121,"marks":447},"NatWest business card",[448,451],{"type":363,"attrs":449},{"href":450,"uuid":26,"anchor":26,"target":366,"linktype":100},"https://www.natwest.com/business/cards/business-credit-card.html",{"type":184},{"text":453,"type":121},", for example, offers up to 56 days interest-free when the balance is paid in full, so the cash may leave in the month after next. Between 25 and 31 March, employees still travel and subscriptions still renew. Couriers still collect. If you wait for the April statement, qualifying March spend appears in April's expenses. Moving the closing date rarely solves the problem.",{"type":115,"attrs":455,"content":457},{"textAlign":26,"key":456},"p-28",[458,465],{"text":459,"type":121,"marks":460},"Barclaycard UK",[461,464],{"type":363,"attrs":462},{"href":463,"uuid":26,"anchor":26,"target":366,"linktype":100},"https://www.barclaycard.co.uk/personal/help/statements/statement-date",{"type":184},{"text":466,"type":121}," allows at most two statement date changes in any 12-month period and none during the current or last statement period. Amex UK documents changes to the payment due date through Customer Care, but its UK help pages do not describe the closing date as customer-selectable.",{"type":115,"attrs":468,"content":470},{"textAlign":26,"key":469},"p-29",[471],{"text":472,"type":121},"Even where a platform lets you request a new statement anchor through support, the provider may not approve it. Settlement lag also remains: a purchase made on 31 March can post in April regardless of the cycle. The accrual is therefore a standing month-end procedure.",{"type":176,"attrs":474,"content":475},{"level":178,"textAlign":26},[476],{"text":477,"type":121,"marks":478},"The month-end accrual journal entry, with a dated worked example",[479],{"type":184},{"type":115,"attrs":481,"content":483},{"textAlign":26,"key":482},"p-30",[484],{"text":485,"type":121},"The entry needs:",{"type":186,"content":487},[488,496,504,512],{"type":189,"content":489},[490],{"type":115,"attrs":491,"content":493},{"textAlign":26,"key":492},"p-31",[494],{"text":495,"type":121},"A liability account.",{"type":189,"content":497},[498],{"type":115,"attrs":499,"content":501},{"textAlign":26,"key":500},"p-32",[502],{"text":503,"type":121},"A listing of post-cutoff purchases.",{"type":189,"content":505},[506],{"type":115,"attrs":507,"content":509},{"textAlign":26,"key":508},"p-33",[510],{"text":511,"type":121},"A dated journal.",{"type":189,"content":513},[514],{"type":115,"attrs":515,"content":517},{"textAlign":26,"key":516},"p-34",[518],{"text":519,"type":121},"A reversal you can trace.",{"type":115,"attrs":521,"content":523},{"textAlign":26,"key":522},"p-35",[524],{"text":525,"type":121},"The example below uses a statement that closes on 25 March and a month that ends on 31 March.",{"type":176,"attrs":527,"content":528},{"level":293,"textAlign":26},[529],{"text":530,"type":121,"marks":531},"Set up the credit card liability account",[532],{"type":184},{"type":115,"attrs":534,"content":536},{"textAlign":26,"key":535},"p-36",[537],{"text":538,"type":121},"Create one current liability account per card programme, named so the balance is obviously owed to a named issuer, such as Corporate card liability: Amex. When the issuer pays the merchant, that payment extinguishes your obligation to the merchant and creates an obligation to the issuer.",{"type":115,"attrs":540,"content":542},{"textAlign":26,"key":541},"p-37",[543,550,552,559],{"text":544,"type":121,"marks":545},"Deloitte's card guidance",[546,549],{"type":363,"attrs":547},{"href":548,"uuid":26,"anchor":26,"target":366,"linktype":100},"https://dart.deloitte.com/USDART/home/codification/liabilities/asc470-10/roadmap-debt/chapter-14-presentation-disclosure-other-considerations/14-3-presentation",{"type":184},{"text":551,"type":121}," makes that point about purchasing cards and charge cards. ",{"text":553,"type":121,"marks":554},"IFRS 9",[555,558],{"type":363,"attrs":556},{"href":557,"uuid":26,"anchor":26,"target":366,"linktype":100},"https://www.ifrs.org/content/dam/ifrs/publications/pdf-standards/english/2021/issued/part-a/ifrs-9-financial-instruments.pdf",{"type":184},{"text":560,"type":121}," treats rights and obligations under a credit card contract as a financial instrument from the moment you become party to it.",{"type":115,"attrs":562,"content":564},{"textAlign":26,"key":563},"p-38",[565],{"text":566,"type":121},"Record the account as a liability because cash remains in your bank account until you pay the issuer. Netting the obligation against cash understates gross current liabilities and hides a balance an auditor will want to agree to a statement.",{"type":115,"attrs":568,"content":570},{"textAlign":26,"key":569},"p-39",[571],{"text":572,"type":121},"If your team codes charges only once receipts arrive, add a separate Card charges clearing account for step three above. Use it temporarily, then allocate any material balance to the appropriate expense or asset accounts before close. A clearing balance that survives year-end is a question waiting to be asked.",{"type":176,"attrs":574,"content":575},{"level":293,"textAlign":26},[576],{"text":577,"type":121,"marks":578},"Record the accrual entry",[579],{"type":184},{"type":115,"attrs":581,"content":583},{"textAlign":26,"key":582},"p-40",[584],{"text":585,"type":121},"Pull the issuer's online transaction listing on 31 March and filter to charges dated 26 to 31 March. Confirm that you received the goods or services by month-end.",{"type":115,"attrs":587,"content":589},{"textAlign":26,"key":588},"p-41",[590],{"text":591,"type":121},"In this example, there are four qualifying 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The risk is that someone posts the statement lines to expense while the accrual remains uncleared, causing double-counting.",{"type":115,"attrs":1212,"content":1214},{"textAlign":26,"key":1213},"p-110",[1215,1217,1224],{"text":1216,"type":121},"Pick one method for the whole card programme, write it into the ",{"text":1218,"type":121,"marks":1219},"close checklist",[1220,1223],{"type":363,"attrs":1221},{"href":1222,"uuid":26,"anchor":26,"target":366,"linktype":100},"https://www.spendesk.com/blog/month-end-close-checklist/",{"type":184},{"text":1225,"type":121},", and never apply both to the same charge. A bank feed does not clear the accrual for you. Accounting platforms match feed lines to existing transactions or create new ones, but their documentation does not describe a feed line automatically clearing a prior manual journal. Schedule or post the reversal as a separate accounting action.",{"type":176,"attrs":1227,"content":1228},{"level":178,"textAlign":26},[1229],{"text":1230,"type":121,"marks":1231},"Credit card liability account or accrued liabilities: which to use",[1232],{"type":184},{"type":115,"attrs":1234,"content":1235},{"textAlign":26,"key":117},[1236],{"text":1237,"type":121},"Post the month-end gap to the dedicated card liability account when the card is settled in full each cycle and you want the ledger to agree to the issuer. The right balance-sheet classification then depends on the substance of the arrangement:",{"type":593,"content":1239},[1240,1272,1298,1324],{"type":596,"content":1241},[1242,1252,1262],{"type":599,"attrs":1243,"content":1244},{"colspan":302,"rowspan":302,"colwidth":26},[1245],{"type":115,"attrs":1246,"content":1247},{"textAlign":26,"key":165},[1248],{"text":1249,"type":121,"marks":1250},"Card use",[1251],{"type":184},{"type":599,"attrs":1253,"content":1254},{"colspan":302,"rowspan":302,"colwidth":26},[1255],{"type":115,"attrs":1256,"content":1257},{"textAlign":26,"key":171},[1258],{"text":1259,"type":121,"marks":1260},"Likely presentation",[1261],{"type":184},{"type":599,"attrs":1263,"content":1264},{"colspan":302,"rowspan":302,"colwidth":26},[1265],{"type":115,"attrs":1266,"content":1267},{"textAlign":26,"key":193},[1268],{"text":1269,"type":121,"marks":1270},"Practical reason",[1271],{"type":184},{"type":596,"content":1273},[1274,1282,1290],{"type":646,"attrs":1275,"content":1276},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[1277],{"type":115,"attrs":1278,"content":1279},{"textAlign":26,"key":201},[1280],{"text":1281,"type":121},"Convenience use, settled within normal terms, with no interest",{"type":646,"attrs":1283,"content":1284},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[1285],{"type":115,"attrs":1286,"content":1287},{"textAlign":26,"key":209},[1288],{"text":1289,"type":121},"Trade or other creditors",{"type":646,"attrs":1291,"content":1292},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[1293],{"type":115,"attrs":1294,"content":1295},{"textAlign":26,"key":217},[1296],{"text":1297,"type":121},"The card supports ordinary working-capital settlement.",{"type":596,"content":1299},[1300,1308,1316],{"type":646,"attrs":1301,"content":1302},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[1303],{"type":115,"attrs":1304,"content":1305},{"textAlign":26,"key":225},[1306],{"text":1307,"type":121},"Extended payment terms or an interest-bearing balance",{"type":646,"attrs":1309,"content":1310},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[1311],{"type":115,"attrs":1312,"content":1313},{"textAlign":26,"key":233},[1314],{"text":1315,"type":121},"Bank or financial liability",{"type":646,"attrs":1317,"content":1318},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[1319],{"type":115,"attrs":1320,"content":1321},{"textAlign":26,"key":241},[1322],{"text":1323,"type":121},"The issuer is providing finance rather than supplier credit.",{"type":596,"content":1325},[1326,1334,1342],{"type":646,"attrs":1327,"content":1328},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[1329],{"type":115,"attrs":1330,"content":1331},{"textAlign":26,"key":249},[1332],{"text":1333,"type":121},"Internal GL control account",{"type":646,"attrs":1335,"content":1336},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[1337],{"type":115,"attrs":1338,"content":1339},{"textAlign":26,"key":257},[1340],{"text":1341,"type":121},"Dedicated card liability account",{"type":646,"attrs":1343,"content":1344},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[1345],{"type":115,"attrs":1346,"content":1347},{"textAlign":26,"key":266},[1348],{"text":1349,"type":121},"Finance can reconcile the balance directly to the issuer.",{"type":115,"attrs":1351,"content":1352},{"textAlign":26,"key":287},[1353],{"text":1354,"type":121},"A balance in general accrued liabilities sits alongside estimated bonuses, utilities, and professional fees. Auditors test those balances as accounting estimates under ISA 540, looking for reasonableness and signs of management bias.",{"type":115,"attrs":1356,"content":1357},{"textAlign":26,"key":309},[1358],{"text":1359,"type":121},"A card balance is different because a statement and transaction listing support it. Finance can agree it to the issuer's records and, if needed, seek direct confirmation. IAS 1 paragraph 30 permits aggregation for immaterial items, but combining the card balance with estimates makes a reconcilable fact look like a judgement. It also blurs the trail from journal to statement.",{"type":115,"attrs":1361,"content":1362},{"textAlign":26,"key":317},[1363],{"text":1364,"type":121},"The trade payable question is separate from the account name.",{"type":115,"attrs":1366,"content":1367},{"textAlign":26,"key":325},[1368,1369,1376],{"text":444,"type":121},{"text":1370,"type":121,"marks":1371},"IFRIC Interpretations Committee",[1372,1375],{"type":363,"attrs":1373},{"href":1374,"uuid":26,"anchor":26,"target":366,"linktype":100},"https://www.ifrs.org/news-and-events/updates/ifric/2025/ifric-update-june-2025/",{"type":184},{"text":1377,"type":121}," confirmed in June 2025 that a liability qualifies as a trade payable only when it represents goods or services and the supplier has invoiced or formally agreed it. The liability must also form part of working capital in the normal operating cycle.",{"type":115,"attrs":1379,"content":1380},{"textAlign":26,"key":333},[1381],{"text":1382,"type":121},"Deloitte reaches a similar practical outcome under US GAAP. Where a company uses a card purely for convenience, settles it within customary trade payable terms, and incurs no interest, classifying the amount as a trade payable is “generally acceptable”.",{"type":115,"attrs":1384,"content":1385},{"textAlign":26,"key":341},[1386],{"text":1387,"type":121},"Where the card extends terms or bears interest, the substance points to a bank or financial liability because the issuer is providing finance rather than supplier credit. The balance-sheet consequence follows from that substance test.",{"type":115,"attrs":1389,"content":1390},{"textAlign":26,"key":349},[1391],{"text":1392,"type":121},"Under the Companies Act Format 1 headings in SI 2008/410, creditors split into:",{"type":186,"content":1394},[1395,1402,1409,1416],{"type":189,"content":1396},[1397],{"type":115,"attrs":1398,"content":1399},{"textAlign":26,"key":355},[1400],{"text":1401,"type":121},"Bank loans and overdrafts.",{"type":189,"content":1403},[1404],{"type":115,"attrs":1405,"content":1406},{"textAlign":26,"key":381},[1407],{"text":1408,"type":121},"Trade creditors.",{"type":189,"content":1410},[1411],{"type":115,"attrs":1412,"content":1413},{"textAlign":26,"key":394},[1414],{"text":1415,"type":121},"Other creditors.",{"type":189,"content":1417},[1418],{"type":115,"attrs":1419,"content":1420},{"textAlign":26,"key":409},[1421],{"text":1422,"type":121},"Accruals and deferred income.",{"type":115,"attrs":1424,"content":1425},{"textAlign":26,"key":419},[1426],{"text":1427,"type":121},"The headings do not include a separate card-liability category. Finance teams usually present a card paid in full each month within trade or other creditors. An interest-bearing balance generally belongs with bank loans and overdrafts, subject to the arrangement and applicable reporting framework.",{"type":115,"attrs":1429,"content":1430},{"textAlign":26,"key":427},[1431],{"text":1432,"type":121},"PwC notes that a shift in substance from trade payable to debt “could affect a reporting entity's leverage ratios, and possibly, its covenants.”",{"type":115,"attrs":1434,"content":1435},{"textAlign":26,"key":435},[1436],{"text":1437,"type":121},"Lenders and finance teams apply the covenant definitions in the facility agreement regardless of the GL label. Read that agreement before choosing where the balance sits. No framework prescribes the internal account name, so document the choice and apply it every month.",{"type":176,"attrs":1439,"content":1440},{"level":178,"textAlign":26},[1441],{"text":1442,"type":121,"marks":1443},"A decision rule for three card setups",[1444],{"type":184},{"type":115,"attrs":1446,"content":1447},{"textAlign":26,"key":441},[1448],{"text":1449,"type":121},"The accrual you need depends on what already sits in the ledger on the last day of the month:",{"type":593,"content":1451},[1452,1484,1512,1540],{"type":596,"content":1453},[1454,1464,1474],{"type":599,"attrs":1455,"content":1456},{"colspan":302,"rowspan":302,"colwidth":26},[1457],{"type":115,"attrs":1458,"content":1459},{"textAlign":26,"key":456},[1460],{"text":1461,"type":121,"marks":1462},"Card setup",[1463],{"type":184},{"type":599,"attrs":1465,"content":1466},{"colspan":302,"rowspan":302,"colwidth":26},[1467],{"type":115,"attrs":1468,"content":1469},{"textAlign":26,"key":469},[1470],{"text":1471,"type":121,"marks":1472},"In the ledger at month-end",[1473],{"type":184},{"type":599,"attrs":1475,"content":1476},{"colspan":302,"rowspan":302,"colwidth":26},[1477],{"type":115,"attrs":1478,"content":1479},{"textAlign":26,"key":482},[1480],{"text":1481,"type":121,"marks":1482},"Month-end action",[1483],{"type":184},{"type":596,"content":1485},[1486,1496,1504],{"type":646,"attrs":1487,"content":1488},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[1489],{"type":115,"attrs":1490,"content":1491},{"textAlign":26,"key":492},[1492],{"text":1493,"type":121,"marks":1494},"Bank-feed card liability",[1495],{"type":184},{"type":646,"attrs":1497,"content":1498},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[1499],{"type":115,"attrs":1500,"content":1501},{"textAlign":26,"key":500},[1502],{"text":1503,"type":121},"Every posted transaction, imported daily",{"type":646,"attrs":1505,"content":1506},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[1507],{"type":115,"attrs":1508,"content":1509},{"textAlign":26,"key":508},[1510],{"text":1511,"type":121},"Check pending items; accrue only if material.",{"type":596,"content":1513},[1514,1524,1532],{"type":646,"attrs":1515,"content":1516},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[1517],{"type":115,"attrs":1518,"content":1519},{"textAlign":26,"key":516},[1520],{"text":1521,"type":121,"marks":1522},"Statement-entered card",[1523],{"type":184},{"type":646,"attrs":1525,"content":1526},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[1527],{"type":115,"attrs":1528,"content":1529},{"textAlign":26,"key":522},[1530],{"text":1531,"type":121},"Charges up to the closing date only",{"type":646,"attrs":1533,"content":1534},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[1535],{"type":115,"attrs":1536,"content":1537},{"textAlign":26,"key":535},[1538],{"text":1539,"type":121},"Accrue the gap, as in the worked example.",{"type":596,"content":1541},[1542,1552,1560],{"type":646,"attrs":1543,"content":1544},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[1545],{"type":115,"attrs":1546,"content":1547},{"textAlign":26,"key":541},[1548],{"text":1549,"type":121,"marks":1550},"Employee personal cards, reimbursed",[1551],{"type":184},{"type":646,"attrs":1553,"content":1554},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[1555],{"type":115,"attrs":1556,"content":1557},{"textAlign":26,"key":563},[1558],{"text":1559,"type":121},"Approved expense claims only",{"type":646,"attrs":1561,"content":1562},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[1563],{"type":115,"attrs":1564,"content":1565},{"textAlign":26,"key":569},[1566],{"text":1567,"type":121},"Accrue unsubmitted claims from an estimate.",{"type":115,"attrs":1569,"content":1570},{"textAlign":26,"key":582},[1571],{"text":1572,"type":121},"A bank-feed card shrinks the gap to settlement lag. QuickBooks Online UK documentation says its feed omits pending transactions, and NetSuite documentation describes the same treatment.",{"type":115,"attrs":1574,"content":1575},{"textAlign":26,"key":588},[1576],{"text":1577,"type":121},"The Xero documentation reviewed for this article does not specify whether pending authorisations appear in the feed. Merchants typically submit for settlement within two to three business days. American Express UK says pending purchases may take up to four working days to post.",{"type":115,"attrs":1579,"content":1580},{"textAlign":26,"key":604},[1581],{"text":1582,"type":121},"The missing population on 31 March is therefore likely to include recent spend. Review pending authorisations for goods or services already received, then accrue the items that clear your threshold. Otherwise, record that you looked.",{"type":115,"attrs":1584,"content":1585},{"textAlign":26,"key":615},[1586],{"text":1587,"type":121},"One caution: Xero and QuickBooks documentation does not say whether the imported date is the merchant transaction date or the posting date. A 30 March purchase posted on 2 April may therefore land in April by default, depending on the feed and institution. Spot-check that timing on the first close after connecting a feed.",{"type":176,"attrs":1589,"content":1590},{"level":293,"textAlign":26},[1591],{"text":1592,"type":121,"marks":1593},"Prepaid and debit-based company cards",[1594],{"type":184},{"type":115,"attrs":1596,"content":1597},{"textAlign":26,"key":626},[1598,1600,1607],{"text":1599,"type":121},"Prepaid or debit-based company cards follow the same logic with a shorter list. Spendesk's ",{"text":1601,"type":121,"marks":1602},"smart company cards",[1603,1606],{"type":363,"attrs":1604},{"href":1605,"uuid":26,"anchor":26,"target":366,"linktype":100},"https://www.spendesk.com/platform/smart-company-cards/",{"type":184},{"text":1608,"type":121}," are prepaid or debit-based, so there is no statement cycle in the credit card sense.",{"type":115,"attrs":1610,"content":1611},{"textAlign":26,"key":637},[1612],{"text":1613,"type":121},"Each transaction can sit in the platform from the point of spend alongside its receipt and suggested general ledger code, or GL code. The platform also provides exports for supported accounting systems. Your month-end check becomes the list of transactions still missing a receipt or GL code.",{"type":176,"attrs":1615,"content":1616},{"level":293,"textAlign":26},[1617],{"text":1618,"type":121,"marks":1619},"Statement-entered cards",[1620],{"type":184},{"type":115,"attrs":1622,"content":1623},{"textAlign":26,"key":651},[1624],{"text":1625,"type":121},"A statement-entered card needs the full procedure. If your bookkeeper posts charges from the PDF statement, nothing dated 26 to 31 March exists in the ledger until someone keys the April statement. Accrue the qualifying gap from the online listing exactly as in the worked example.",{"type":176,"attrs":1627,"content":1628},{"level":293,"textAlign":26},[1629],{"text":1630,"type":121,"marks":1631},"Employee personal cards",[1632],{"type":184},{"type":115,"attrs":1634,"content":1635},{"textAlign":26,"key":660},[1636],{"text":1637,"type":121},"Employee personal cards move the liability from the issuer to the employee. IAS 37 paragraph 11 explicitly includes amounts due to employees within accruals.",{"type":115,"attrs":1639,"content":1640},{"textAlign":26,"key":669},[1641],{"text":1642,"type":121},"The general accrual principles in FRS 102 also do not make receipt of a claim form a prerequisite when the underlying business cost and obligation already exist. The charges you cannot see are the ones employees have not submitted yet, which is why a submission cutoff matters.",{"type":115,"attrs":1644,"content":1645},{"textAlign":26,"key":678},[1646],{"text":1647,"type":121},"Royal Wolverhampton NHS Trust requires claims to be authorised by the fifth working day of the month, while the University of Cambridge closes its monthly checklists by the seventh working day. Whatever cutoff you set, estimate the claims employees had not submitted by the final day of the month.",{"type":176,"attrs":1649,"content":1650},{"level":178,"textAlign":26},[1651],{"text":1652,"type":121,"marks":1653},"Estimating pending charges and unsubmitted expense claims",[1654],{"type":184},{"type":115,"attrs":1656,"content":1657},{"textAlign":26,"key":689},[1658],{"text":1659,"type":121},"Work down a hierarchy from what you know to what you can only estimate. Start with specific items already visible, including travel bookings and card transactions on the portal that have not reached the ledger.",{"type":115,"attrs":1661,"content":1662},{"textAlign":26,"key":698},[1663],{"text":1664,"type":121},"Then use claims or statements that arrive after month-end but before you close. They provide evidence of conditions that existed at month-end and should refine the number. Use a documented run rate for whatever remains.",{"type":115,"attrs":1666,"content":1667},{"textAlign":26,"key":707},[1668],{"text":1669,"type":121},"A trailing three-month average of post-cutoff spend is a defensible run rate. For each of the last three months, total the charges dated inside the month that reached the ledger afterwards.",{"type":115,"attrs":1671,"content":1672},{"textAlign":26,"key":716},[1673],{"text":1674,"type":121},"If those gaps were £3,100 in December, £2,600 in January, and £3,300 in February, the March residual estimate is £3,000. Adjust it for known unusual activity, such as a conference month or hiring push.",{"type":115,"attrs":1676,"content":1677},{"textAlign":26,"key":727},[1678,1680,1687,1689,1696],{"text":1679,"type":121},"Record the calculation with the journal. ",{"text":1681,"type":121,"marks":1682},"ICAEW's estimate guidance",[1683,1686],{"type":363,"attrs":1684},{"href":1685,"uuid":26,"anchor":26,"target":366,"linktype":100},"https://www.icaew.com/technical/audit-and-assurance/audit/auditing-accounting-estimates/what-is-an-accounting-estimate-revised",{"type":184},{"text":1688,"type":121}," describes ",{"text":1690,"type":121,"marks":1691},"accrued expenses",[1692,1695],{"type":363,"attrs":1693},{"href":1694,"uuid":26,"anchor":26,"target":366,"linktype":100},"https://www.spendesk.com/blog/accrued-expenses/",{"type":184},{"text":1697,"type":121}," as accounting estimates that management builds from previous experience and knowledge, so they naturally include subjectivity. The working paper makes that judgement reviewable. When the actual gap arrives, compare it with the estimate and let the variance inform next month's average.",{"type":176,"attrs":1699,"content":1700},{"level":293,"textAlign":26},[1701],{"text":1702,"type":121,"marks":1703},"Set an accrual threshold",[1704],{"type":184},{"type":115,"attrs":1706,"content":1707},{"textAlign":26,"key":736},[1708,1710,1717],{"text":1709,"type":121},"No standard sets a threshold below which you do not accrue. ",{"text":1711,"type":121,"marks":1712},"IFRS Practice Statement 2",[1713,1716],{"type":363,"attrs":1714},{"href":1715,"uuid":26,"anchor":26,"target":366,"linktype":100},"https://www.ifrs.org/content/dam/ifrs/publications/amendments/english/2017/ifrs-practice-statement-2-making-materiality-judgements.pdf",{"type":184},{"text":1718,"type":121}," says it would not be appropriate to rely on purely numerical guidelines or a uniform quantitative threshold.",{"type":115,"attrs":1720,"content":1721},{"textAlign":26,"key":745},[1722],{"text":1723,"type":121},"The FRC does not specify a quantitative materiality threshold for FRS 102 either. Benchmarks such as 5% of profit before tax are example audit-planning figures from ISA 320's application material. Auditors also treat a fraction of planning materiality as their “clearly trivial” line.",{"type":115,"attrs":1725,"content":1726},{"textAlign":26,"key":754},[1727],{"text":1728,"type":121},"Neither figure tells a finance team whether to book a journal. The same Practice Statement recognises that an entity may specify its own threshold if management has assessed that omissions below it are not material.",{"type":115,"attrs":1730,"content":1731},{"textAlign":26,"key":765},[1732],{"text":1733,"type":121},"Two conditions come with that policy:",{"type":186,"content":1735},[1736,1743],{"type":189,"content":1737},[1738],{"type":115,"attrs":1739,"content":1740},{"textAlign":26,"key":774},[1741],{"text":1742,"type":121},"Paragraph 60 requires management to assess small items together, because twenty unaccrued charges can become material as a group.",{"type":189,"content":1744},[1745],{"type":115,"attrs":1746,"content":1747},{"textAlign":26,"key":783},[1748],{"text":1749,"type":121},"Qualitative factors under paragraphs 53 to 55 can also reduce the threshold to zero.",{"type":115,"attrs":1751,"content":1752},{"textAlign":26,"key":792},[1753],{"text":1754,"type":121},"If the month's result sits close to a covenant test or bonus trigger, the nature of the omission may matter more than its size. Write the threshold into your close policy with its benchmark basis and the populations it covers. Include the qualitative override and an annual review date. The covered populations may include issuer charges and pending authorisations, as well as unsubmitted claims.",{"type":176,"attrs":1756,"content":1757},{"level":178,"textAlign":26},[1758],{"text":1759,"type":121,"marks":1760},"Recording interest, annual fees, and foreign transaction fees at close",[1761],{"type":184},{"type":115,"attrs":1763,"content":1764},{"textAlign":26,"key":798},[1765,1767,1774],{"text":1766,"type":121},"Interest on a card balance is a borrowing cost, and routine card interest usually belongs in finance costs rather than in the expense line of whatever the card bought. ",{"text":1768,"type":121,"marks":1769},"FRS 102 Section 25",[1770,1773],{"type":363,"attrs":1771},{"href":1772,"uuid":26,"anchor":26,"target":366,"linktype":100},"https://viewpoint.pwc.com/dt/uk/en/frc/accounting_standards/accounting_standards__1_UK/frs_102_the_financia__3_UK/section_25_borrowing_UK.html",{"type":184},{"text":1775,"type":121}," defines borrowing costs as:",{"type":186,"content":1777},[1778,1785,1792],{"type":189,"content":1779},[1780],{"type":115,"attrs":1781,"content":1782},{"textAlign":26,"key":804},[1783],{"text":1784,"type":121},"Interest calculated using the effective interest method.",{"type":189,"content":1786},[1787],{"type":115,"attrs":1788,"content":1789},{"textAlign":26,"key":817},[1790],{"text":1791,"type":121},"Interest on lease liabilities.",{"type":189,"content":1793},[1794],{"type":115,"attrs":1795,"content":1796},{"textAlign":26,"key":828},[1797],{"text":1798,"type":121},"Certain exchange differences on foreign currency borrowings.",{"type":115,"attrs":1800,"content":1801},{"textAlign":26,"key":839},[1802],{"text":1803,"type":121},"Where an entity does not capitalise, “all borrowing costs shall be recognised as an expense in profit or loss in the period in which they are incurred.” IAS 23 draws the same boundary for IFRS reporters. Capitalisation may apply to qualifying assets under construction, so interest on a card used for routine operating purchases normally has no route into inventory or cost of sales.",{"type":115,"attrs":1805,"content":1806},{"textAlign":26,"key":852},[1807],{"text":1808,"type":121},"Annual fees and foreign transaction fees are charges for the payment mechanism. They usually sit with bank charges in administrative expenses because they do not arise from borrowing funds. A foreign transaction has two components worth separating at close:",{"type":300,"attrs":1810,"content":1811},{"order":302,"key":303},[1812,1819],{"type":189,"content":1813},[1814],{"type":115,"attrs":1815,"content":1816},{"textAlign":26,"key":860},[1817],{"text":1818,"type":121},"Code the issuer's percentage fee to bank charges.",{"type":189,"content":1820},[1821],{"type":115,"attrs":1822,"content":1823},{"textAlign":26,"key":868},[1824],{"text":1825,"type":121},"Recognise the exchange difference between the merchant's currency and sterling in profit or loss under IAS 21 or FRS 102 Section 30 as a foreign exchange gain or loss.",{"type":115,"attrs":1827,"content":1828},{"textAlign":26,"key":876},[1829],{"text":1830,"type":121},"No framework contains a sentence universally excluding these items from cost of sales or job costs. Their presentation follows the substance of the charge and the entity's consistent nature-or-function policy.",{"type":115,"attrs":1832,"content":1833},{"textAlign":26,"key":884},[1834],{"text":1835,"type":121},"The fee arose from how you paid rather than what you delivered. Coding a 2.99% foreign fee to a project depresses that project's margin for a reason the project manager cannot influence. Charging card interest to cost of sales understates finance costs while overstating the cost of production.",{"type":115,"attrs":1837,"content":1838},{"textAlign":26,"key":892},[1839],{"text":1840,"type":121},"At close, split the issuer's own lines from merchant lines before coding. Set bank rules on the issuer's descriptions so interest and fees do not default to an operating category.",{"type":176,"attrs":1842,"content":1843},{"level":178,"textAlign":26},[1844],{"text":1845,"type":121,"marks":1846},"Month-end credit card reconciliation checklist",[1847],{"type":184},{"type":115,"attrs":1849,"content":1850},{"textAlign":26,"key":900},[1851],{"text":1852,"type":121},"Use this checklist on the last working day to prove the card liability balance before you close:",{"type":186,"content":1854},[1855,1862,1869,1876,1883,1890,1897,1904],{"type":189,"content":1856},[1857],{"type":115,"attrs":1858,"content":1859},{"textAlign":26,"key":908},[1860],{"text":1861,"type":121},"Agree the statement closing balance to the card liability GL balance as at the closing date, and investigate every difference line by line.",{"type":189,"content":1863},[1864],{"type":115,"attrs":1865,"content":1866},{"textAlign":26,"key":916},[1867],{"text":1868,"type":121},"Add post-cutoff charges to that balance and agree the total to the month-end GL liability, consisting of the statement plus the accrual.",{"type":189,"content":1870},[1871],{"type":115,"attrs":1872,"content":1873},{"textAlign":26,"key":924},[1874],{"text":1875,"type":121},"Agree payments to the issuer against the bank statement, and confirm none is sitting in a suspense account.",{"type":189,"content":1877},[1878],{"type":115,"attrs":1879,"content":1880},{"textAlign":26,"key":932},[1881],{"text":1882,"type":121},"Match every statement line to a receipt or invoice, and list missing receipts by cardholder.",{"type":189,"content":1884},[1885],{"type":115,"attrs":1886,"content":1887},{"textAlign":26,"key":940},[1888],{"text":1889,"type":121},"Confirm interest, fees, and foreign exchange lines are coded to finance or administrative accounts.",{"type":189,"content":1891},[1892],{"type":115,"attrs":1893,"content":1894},{"textAlign":26,"key":948},[1895],{"text":1896,"type":121},"Export the card platform's transaction file for the month and agree the count and total to the GL postings.",{"type":189,"content":1898},[1899],{"type":115,"attrs":1900,"content":1901},{"textAlign":26,"key":957},[1902],{"text":1903,"type":121},"Confirm the reversal is scheduled or posted for the first day of the next month.",{"type":189,"content":1905},[1906],{"type":115,"attrs":1907,"content":1908},{"textAlign":26,"key":963},[1909],{"text":1910,"type":121},"File the transaction listing, the reconciliation, and both journals as working papers.",{"type":176,"attrs":1912,"content":1913},{"level":293,"textAlign":26},[1914],{"text":1915,"type":121,"marks":1916},"Run the platform export more than once",[1917],{"type":184},{"type":115,"attrs":1919,"content":1920},{"textAlign":26,"key":969},[1921,1923,1930],{"text":1922,"type":121},"Platform exports need a second run. American Express UK's ",{"text":1924,"type":121,"marks":1925},"@ Work reporting guide",[1926,1929],{"type":363,"attrs":1927},{"href":1928,"uuid":26,"anchor":26,"target":366,"linktype":100},"https://www.americanexpress.com/uk/business/resource-centre/work-reporting/articles/reports-user-guide/",{"type":184},{"text":1931,"type":121}," states that standard reports post after each billing cycle ends and can be rerun for up to 13 months.",{"type":115,"attrs":1933,"content":1934},{"textAlign":26,"key":975},[1935,1937,1944],{"text":1936,"type":121},"The custom export screen offers Excel, PDF, CSV, HTML, and plain text. A separate ",{"text":1938,"type":121,"marks":1939},"UK payment guide",[1940,1943],{"type":363,"attrs":1941},{"href":1942,"uuid":26,"anchor":26,"target":366,"linktype":100},"https://www.americanexpress.com/content/dam/amex/en-gb/business/resource-centre/payment-guide/Payment-Guide-PDFs/UK.pdf",{"type":184},{"text":1945,"type":121}," says recent transactions may take up to 72 hours to appear. A file downloaded on 31 March can therefore miss the last three days. Run it again after the third working day and reconcile the two.",{"type":115,"attrs":1947,"content":1948},{"textAlign":26,"key":981},[1949],{"text":1950,"type":121},"Some platforms sync GL-coded transactions only after settlement rather than authorisation. The timing is not universal, so confirm the rule for your platform and integration. Check whether the export's date column is the transaction date or the posting date before you rely on it for cutoff.",{"type":176,"attrs":1952,"content":1953},{"level":293,"textAlign":26},[1954],{"text":1955,"type":121,"marks":1956},"Treat late statements as evidence about the closed period",[1957],{"type":184},{"type":115,"attrs":1959,"content":1960},{"textAlign":26,"key":987},[1961],{"text":1962,"type":121},"When the statement arrives after the books are closed, treat it as evidence about the month that has ended. If you accrued an estimate and the actual differs by an amount within your threshold, book the difference in the month the statement arrives and note it in the reconciliation.",{"type":115,"attrs":1964,"content":1965},{"textAlign":26,"key":1000},[1966],{"text":1967,"type":121},"If the statement reveals a material charge you did not accrue, the treatment depends on where you are in the reporting cycle. For monthly management accounts, most teams reopen or restate the prior month with a note.",{"type":115,"attrs":1969,"content":1970},{"textAlign":26,"key":1013},[1971,1973,1980],{"text":1972,"type":121},"For statutory year-end accounts, ",{"text":1974,"type":121,"marks":1975},"ICAEW's events guidance",[1976,1979],{"type":363,"attrs":1977},{"href":1978,"uuid":26,"anchor":26,"target":366,"linktype":100},"https://www.icaew.com/technical/corporate-reporting/uk-gaap/uk-gaap-faqs/how-to-distinguish-adjusting-from-non-adjusting-post-balance-sheet-events-under-uk-gaap",{"type":184},{"text":1981,"type":121}," distinguishes adjusting from non-adjusting events under UK GAAP. A statement evidencing a pre-year-end purchase is an adjusting event because it provides evidence of an expense and liability that existed on the reporting date.",{"type":176,"attrs":1983,"content":1984},{"level":178,"textAlign":26},[1985],{"text":1986,"type":121,"marks":1987},"Do you need to accrue at all? Cash basis, accrual basis, and bank feeds",[1988],{"type":184},{"type":115,"attrs":1990,"content":1991},{"textAlign":26,"key":1023},[1992],{"text":1993,"type":121},"If you prepare figures on a cash basis and your applicable policy records card spend when you pay the issuer, this card accrual does not arise. Applicable accrual-basis reporters recognise material items when they meet the relevant recognition criteria.",{"type":115,"attrs":1995,"content":1996},{"textAlign":26,"key":1033},[1997,2004],{"text":1998,"type":121,"marks":1999},"IAS 1 paragraph 27",[2000,2003],{"type":363,"attrs":2001},{"href":2002,"uuid":26,"anchor":26,"target":366,"linktype":100},"https://www.ifrs.org/content/dam/ifrs/publications/html-standards/english/2024/issued/ias1.html",{"type":184},{"text":2005,"type":121}," requires an entity to prepare its financial statements, except for cash flow information, using the accrual basis. Paragraph 28 explains that entities recognise items when they satisfy the definitions and recognition criteria in the Conceptual Framework. FRS 102 Section 2 carries the same principle for UK entities that apply that standard.",{"type":115,"attrs":2007,"content":2008},{"textAlign":26,"key":1045},[2009],{"text":2010,"type":121},"Whether you report under UK-adopted IFRS as a listed group or under FRS 102 as an unlisted company, a card purchase may create a March expense or asset and a March liability when you received the underlying goods or services by 31 March.",{"type":115,"attrs":2012,"content":2013},{"textAlign":26,"key":1053},[2014],{"text":2015,"type":121},"The merchant transaction date is evidence of that timing, but it does not override the underlying receipt or consumption pattern. US GAAP reaches a similar outcome through its liability and expense definitions plus the relevant Topic-level guidance. There is no single Codification paragraph that says “record every expense when incurred rather than billed”, and ASC 420, which sometimes gets cited, covers exit and disposal costs only.",{"type":115,"attrs":2017,"content":2018},{"textAlign":26,"key":1061},[2019],{"text":2020,"type":121},"FASB Concepts Statement 8 provides foundational but nonauthoritative definitions. If a US parent consolidates your entity, assess the item under the accounting framework and group policy that govern the consolidation. A feed accelerates capture but may still leave settlement lag and omitted pending items unrecorded.",{"type":115,"attrs":2022,"content":2023},{"textAlign":26,"key":1069},[2024],{"text":2025,"type":121},"QuickBooks Online UK, for instance, suggests matches for feed lines against existing transactions of the same amount within 90 days before and 20 days after the transaction date. That helps with reconciliation but does not itself offset an accrual journal. Treat the feed as a faster source of the transaction listing you would otherwise download.",{"type":115,"attrs":2027,"content":2028},{"textAlign":26,"key":1077},[2029],{"text":2030,"type":121},"You can skip the journal, with a note, when three conditions hold at once:",{"type":300,"attrs":2032,"content":2034},{"order":302,"key":2033},"ol-1",[2035,2042,2049],{"type":189,"content":2036},[2037],{"type":115,"attrs":2038,"content":2039},{"textAlign":26,"key":1083},[2040],{"text":2041,"type":121},"The card is feed-connected.",{"type":189,"content":2043},[2044],{"type":115,"attrs":2045,"content":2046},{"textAlign":26,"key":1093},[2047],{"text":2048,"type":121},"Pending items for goods or services already received fall below your documented threshold in aggregate.",{"type":189,"content":2050},[2051],{"type":115,"attrs":2052,"content":2053},{"textAlign":26,"key":1101},[2054],{"text":2055,"type":121},"No qualitative factor applies that month.",{"type":115,"attrs":2057,"content":2058},{"textAlign":26,"key":1107},[2059],{"text":2060,"type":121},"Even then, put the check on the close checklist so a reviewer can see it happened.",{"type":176,"attrs":2062,"content":2063},{"level":178,"textAlign":26},[2064],{"text":2065,"type":121,"marks":2066},"Common mistakes and how they surface in the financial statements",[2067],{"type":184},{"type":115,"attrs":2069,"content":2070},{"textAlign":26,"key":1117},[2071],{"text":2072,"type":121},"Finance teams can identify each error from its effect on the 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accrual.",{"type":646,"attrs":2138,"content":2139},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[2140],{"type":115,"attrs":2141,"content":2142},{"textAlign":26,"key":1166},[2143],{"text":2144,"type":121},"Gap charges expensed twice, once in each month.",{"type":646,"attrs":2146,"content":2147},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[2148],{"type":115,"attrs":2149,"content":2150},{"textAlign":26,"key":1172},[2151],{"text":2152,"type":121},"GL card balance exceeds issuer balance after the statement posts.",{"type":596,"content":2154},[2155,2165,2173,2181],{"type":646,"attrs":2156,"content":2157},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[2158],{"type":115,"attrs":2159,"content":2160},{"textAlign":26,"key":1194},[2161],{"text":2162,"type":121,"marks":2163},"Reversal posted and statement lines also cleared against the accrual",[2164],{"type":184},{"type":646,"attrs":2166,"content":2167},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[2168],{"type":115,"attrs":2169,"content":2170},{"textAlign":26,"key":1200},[2171],{"text":2172,"type":121},"Card liability understated.",{"type":646,"attrs":2174,"content":2175},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[2176],{"type":115,"attrs":2177,"content":2178},{"textAlign":26,"key":1213},[2179],{"text":2180,"type":121},"Gap charges never expensed in the second month.",{"type":646,"attrs":2182,"content":2183},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[2184],{"type":115,"attrs":2185,"content":2187},{"textAlign":26,"key":2186},"p-111",[2188],{"text":2189,"type":121},"A credit balance appears in the accrual or a negative clearing balance.",{"type":596,"content":2191},[2192,2203,2212,2221],{"type":646,"attrs":2193,"content":2194},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[2195],{"type":115,"attrs":2196,"content":2198},{"textAlign":26,"key":2197},"p-112",[2199],{"text":2200,"type":121,"marks":2201},"No accrual, charges keyed from the statement",[2202],{"type":184},{"type":646,"attrs":2204,"content":2205},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[2206],{"type":115,"attrs":2207,"content":2209},{"textAlign":26,"key":2208},"p-113",[2210],{"text":2211,"type":121},"Liability understated at month-end.",{"type":646,"attrs":2213,"content":2214},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[2215],{"type":115,"attrs":2216,"content":2218},{"textAlign":26,"key":2217},"p-114",[2219],{"text":2220,"type":121},"Expenses shift into the following month.",{"type":646,"attrs":2222,"content":2223},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[2224],{"type":115,"attrs":2225,"content":2227},{"textAlign":26,"key":2226},"p-115",[2228],{"text":2229,"type":121},"Budget-versus-actual swings that follow the statement date rather than activity.",{"type":596,"content":2231},[2232,2243,2252,2261],{"type":646,"attrs":2233,"content":2234},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[2235],{"type":115,"attrs":2236,"content":2238},{"textAlign":26,"key":2237},"p-116",[2239],{"text":2240,"type":121,"marks":2241},"Interest or fees coded to cost of sales or job costs",[2242],{"type":184},{"type":646,"attrs":2244,"content":2245},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[2246],{"type":115,"attrs":2247,"content":2249},{"textAlign":26,"key":2248},"p-117",[2250],{"text":2251,"type":121},"None.",{"type":646,"attrs":2253,"content":2254},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[2255],{"type":115,"attrs":2256,"content":2258},{"textAlign":26,"key":2257},"p-118",[2259],{"text":2260,"type":121},"Gross margin understated and finance costs understated.",{"type":646,"attrs":2262,"content":2263},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[2264],{"type":115,"attrs":2265,"content":2267},{"textAlign":26,"key":2266},"p-119",[2268],{"text":2269,"type":121},"Issuer's own descriptions appear in operating categories.",{"type":596,"content":2271},[2272,2283,2292,2301],{"type":646,"attrs":2273,"content":2274},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[2275],{"type":115,"attrs":2276,"content":2278},{"textAlign":26,"key":2277},"p-120",[2279],{"text":2280,"type":121,"marks":2281},"Clearing account left uncleared",[2282],{"type":184},{"type":646,"attrs":2284,"content":2285},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[2286],{"type":115,"attrs":2287,"content":2289},{"textAlign":26,"key":2288},"p-121",[2290],{"text":2291,"type":121},"Unexplained balance carried forward.",{"type":646,"attrs":2293,"content":2294},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[2295],{"type":115,"attrs":2296,"content":2298},{"textAlign":26,"key":2297},"p-122",[2299],{"text":2300,"type":121},"Charges never reach their expense line.",{"type":646,"attrs":2302,"content":2303},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[2304],{"type":115,"attrs":2305,"content":2307},{"textAlign":26,"key":2306},"p-123",[2308],{"text":2309,"type":121},"Clearing balance is older than one cycle.",{"type":596,"content":2311},[2312,2323,2332,2341],{"type":646,"attrs":2313,"content":2314},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[2315],{"type":115,"attrs":2316,"content":2318},{"textAlign":26,"key":2317},"p-124",[2319],{"text":2320,"type":121,"marks":2321},"Pending holds accrued as charges",[2322],{"type":184},{"type":646,"attrs":2324,"content":2325},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[2326],{"type":115,"attrs":2327,"content":2329},{"textAlign":26,"key":2328},"p-125",[2330],{"text":2331,"type":121},"Liability overstated.",{"type":646,"attrs":2333,"content":2334},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[2335],{"type":115,"attrs":2336,"content":2338},{"textAlign":26,"key":2337},"p-126",[2339],{"text":2340,"type":121},"Expenses overstated until reversed.",{"type":646,"attrs":2342,"content":2343},{"colspan":302,"rowspan":302,"colwidth":26,"backgroundColor":26},[2344],{"type":115,"attrs":2345,"content":2347},{"textAlign":26,"key":2346},"p-127",[2348],{"text":2349,"type":121},"Accrual lines have no matching statement line the following month.",{"type":115,"attrs":2351,"content":2353},{"textAlign":26,"key":2352},"p-128",[2354],{"text":2355,"type":121},"Auditors look for these entries.",{"type":115,"attrs":2357,"content":2359},{"textAlign":26,"key":2358},"p-129",[2360,2362,2369],{"text":2361,"type":121},"ICAEW's ",{"text":2363,"type":121,"marks":2364},"journal testing guidance",[2365,2368],{"type":363,"attrs":2366},{"href":2367,"uuid":26,"anchor":26,"target":366,"linktype":100},"https://www.icaew.com/technical/audit-and-assurance/audit/risk-assessment-internal-control-and-response/journals-testing-meeting-isa-240-and-the-role-of-automated-software-tools",{"type":184},{"text":2370,"type":121}," names “cut-off journals and their reversals, month-end and year-end” as an explicit category for disaggregated testing. It also calls for suitable supporting working papers for accrual journals.",{"type":115,"attrs":2372,"content":2374},{"textAlign":26,"key":2373},"p-130",[2375],{"text":2376,"type":121},"ISA (UK) 240 directs auditors to select journal entries made at the end of a reporting period. An auditor may therefore sample the 31 March accrual and its 1 April reversal.",{"type":115,"attrs":2378,"content":2380},{"textAlign":26,"key":2379},"p-131",[2381],{"text":2382,"type":121},"Attaching the filtered transaction listing to each makes that review quicker. Every row in the table traces back to the delay between card use and ledger capture.",{"type":115,"attrs":2384,"content":2386},{"textAlign":26,"key":2385},"p-132",[2387],{"text":2388,"type":121},"When the system captures the transaction at the point of spend, finance can review its receipt and GL code during the month. The month-end population then becomes a list to review rather than a statement to reconstruct. The six days between a closing date and month-end stop being where errors hide.",{"type":115,"attrs":2390,"content":2392},{"textAlign":26,"key":2391},"p-133",[2393,2395,2402,2404,2411],{"text":2394,"type":121},"For example, Spendesk is an all-in-one spend management platform consolidating company cards, expense management, ",{"text":2396,"type":121,"marks":2397},"accounts payable",[2398,2401],{"type":363,"attrs":2399},{"href":2400,"uuid":26,"anchor":26,"target":366,"linktype":100},"https://www.spendesk.com/platform/invoice-management/",{"type":184},{"text":2403,"type":121},", procurement, and ",{"text":2405,"type":121,"marks":2406},"budgeting",[2407,2410],{"type":363,"attrs":2408},{"href":2409,"uuid":26,"anchor":26,"target":366,"linktype":100},"https://www.spendesk.com/platform/budgets/",{"type":184},{"text":2412,"type":121},". Its bookkeeping automation combines deterministic rules with machine-learning-based suggestions, so finance reviews prepared fields instead of keying each one from a PDF.",{"type":115,"attrs":2414,"content":2416},{"textAlign":26,"key":2415},"p-134",[2417,2419,2426],{"text":2418,"type":121},"If manual coding from statements is what slows your close, see how Spendesk uses ",{"text":2420,"type":121,"marks":2421},"bookkeeping suggestions",[2422,2425],{"type":363,"attrs":2423},{"href":2424,"uuid":26,"anchor":26,"target":366,"linktype":100},"https://www.spendesk.com/platform/accounting-automation/",{"type":184},{"text":2427,"type":121}," so finance can review prepared fields. Charges dated after your cutoff can then reach the ledger with coding attached, leaving the 31 March journal to cover what settled late.",{"type":176,"attrs":2429,"content":2430},{"level":178,"textAlign":26},[2431],{"text":2432,"type":121,"marks":2433},"Close the gap before the next statement arrives",[2434],{"type":184},{"type":115,"attrs":2436,"content":2438},{"textAlign":26,"key":2437},"p-135",[2439],{"text":2440,"type":121},"The six-day gap between a statement closing date and month-end does not need to become six days of missing spend. Base the cut-off on when you received or consumed the goods or services, use card data as evidence, and post material items to a liability account that reconciles to the issuer.",{"type":115,"attrs":2442,"content":2444},{"textAlign":26,"key":2443},"p-136",[2445],{"text":2446,"type":121},"A scheduled reversal then keeps the next statement from counting the same purchase again. The stronger control begins before close. 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