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Accounting Concepts

Section 4 of 7

Accruals (Matching) Concept

Definition

Income and expenditure must be matched to the accounting period in which they are earned or incurred, regardless of when cash is received or paid.

Also called the matching concept: match the income to the costs that generated it.

The Four Adjustment Types

AdjustmentWhat it meansSFP treatmentIS effect
Accrued expenseExpense incurred but not yet paidCurrent liability (accruals)Add to the expense in the IS — increases expense, reduces profit
Prepaid expenseExpense paid in advance for the next periodCurrent asset (prepayments)Deduct from the expense in the IS — decreases expense, increases profit
Accrued incomeIncome earned but not yet receivedCurrent asset (accrued income)Add to income in the IS — increases income, increases profit
Prepaid incomeIncome received in advance for the next periodCurrent liability (deferred income)Deduct from income in the IS — decreases income, reduces profit

Double Entry for Adjustments

AdjustmentDRCR
Accrued expenseExpense accountAccruals (liability)
Prepaid expensePrepayments (asset)Expense account
Accrued incomeAccrued income (asset)Income account
Prepaid incomeIncome accountDeferred income (liability)

Worked Example — Accruals and Prepayments

Brenfield Ltd's year end is 31 December 2024.

Insurance: The cash book shows £3,600 paid. This covers 1 January 2024 – 28 February 2025 (14 months).

  • Annual charge = £3,600 ÷ 14 × 12 = £3,086 (expense for 2024)
  • Prepayment = £3,600 ÷ 14 × 2 = £514 (current asset on SFP)

Rent receivable: £6,000 received for January–September 2024. October–December not yet received.

  • Quarterly rent = £6,000 ÷ 3 = £2,000 per quarter → accrued income = £2,000
  • IS income = £6,000 + £2,000 = £8,000

General Ledger Account Format

The standard layout for an accruals/prepayments adjustment:

               Insurance Account
Dr                                              Cr
Date    Detail          £      Date    Detail          £
1 Jan   Balance b/d   3,600   31 Dec  Prepayment c/d    514
                              31 Dec  Income statement 3,086
                       3,600                           3,600
1 Jan   Prepayment b/d  514

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