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We are specialist accountants working exclusively with contractors, consultants, freelancers, sole traders, landlords, and limited company directors across the UK.

We don’t serve large corporations or retail businesses — our entire focus is on self-employed professionals and small business owners. That means we have deep expertise in exactly the tax rules, compliance obligations, and planning opportunities that affect you.

Yes. Our accountants hold AAT and ACCA qualifications and we are authorised by HMRC as an agent to act on behalf of our clients. All work is carried out by our own qualified in-house team — we never outsource your accounts to third parties.

We guarantee a same-day response to all messages received before 4:00pm on working days. Messages outside these hours are answered first thing the following morning.

You can contact us by phone, email, WhatsApp, or video call — and existing clients always hear from their own named accountant, not a call handler.

Yes. Every client is assigned a dedicated named accountant from the day they join. They handle all your accounting work personally, know your business history, and are always your first point of contact.

You will never be passed between people or have to re-explain your situation to someone new.

We recommend most self-employed professionals hold Professional Indemnity Insurance and Public Liability Insurance as a minimum. If you employ staff, Employers’ Liability Insurance is a legal requirement.

We have partnered with Qdos, specialist contractor insurance providers, who can advise on the right coverage for your situation.

Yes. We work with clients throughout England, Scotland, Wales, and Northern Ireland. All communication can be handled remotely by phone, email, WhatsApp, or video call. Our head office is in Preston, Lancashire, but the vast majority of our clients never need to visit in person.

Our packages start from £60+VAT per month for sole traders and landlords, and from £105+VAT per month for limited company directors. All packages are fully inclusive — everything you need is included in one fixed monthly fee.

Visit our Limited Companies or Sole Traders pages for a full breakdown of what’s included in each package.

No. Unlike many accountants who charge their monthly fee and then send a large invoice at year-end, everything is included in your fixed monthly fee. Year-end accounts, corporation tax return, self-assessment, confirmation statement — all covered.

No. We quote a single fixed monthly fee that covers all the services listed in your package. We don’t charge per email, per phone call, or per question. Unlimited support is included as standard.

The only situation where additional fees might apply is for work outside your agreed package scope — such as a complex tax investigation or entirely new service type. We would always discuss and agree this with you first.

No. Our packages are on a monthly rolling basis. You can cancel at any time with one month’s notice. We believe in earning your business every month through the quality of our service, not locking you into long contracts.

Yes. New clients who join mid-year or who have outstanding returns from previous years receive 50% off catch-up accounts. This is our way of making it as easy as possible to switch to us, regardless of where you are in your accounting cycle.

Payment is taken monthly by Direct Debit on a set date each month. This keeps things simple and predictable — you always know exactly what you’ll be paying and when.

Simply fill in our short switching form. You provide your name, contact details, business type, and your current accountant’s details — that’s it.

We then handle everything: contacting your previous accountant for professional clearance, collecting all your records, notifying HMRC that we’re your new agent, and introducing you to your dedicated accountant. The whole process takes 5 working days.

No. We handle that entirely on your behalf. We send a professional clearance letter to your previous accountant — this is a standard, routine process in the accounting profession and your old accountant will be very familiar with it. There is nothing awkward about it and nothing for you to do.

Absolutely. There is no bad time to switch. We take over from wherever your previous accountant left off and ensure there is no gap in your compliance or records. Switching after your year-end can be slightly smoother operationally, but most clients switch whenever they are ready and we make it work regardless.

Never. From the moment you sign up with us, we take ownership of all your compliance deadlines. We track your filing dates from day one and nothing slips during the transition period.

Switching is completely free. You simply begin paying our standard monthly fee from your start date. Any outstanding accounts or returns needed to catch you up are available at 50% off for new clients.

Your statutory accounts must be filed with Companies House within 9 months of your company’s accounting reference date (year-end). Your corporation tax return (CT600) must be filed with HMRC within 12 months of your accounting period end, and corporation tax itself is due within 9 months and one day.

We track all of these deadlines for you and begin preparation well in advance so you are never at risk of a late filing penalty.

Yes. A limited company is a legally separate entity from you as an individual, so it must have its own bank account. All company income and expenditure should flow through this account. Mixing personal and business finances creates accounting and tax complications and is not recommended.

For most limited company directors, the most tax-efficient structure is a combination of a low salary (typically set at the National Insurance threshold) and dividends for the remainder of your income. This minimises National Insurance contributions while making use of your dividend allowance.

Your dedicated accountant will review your salary and dividend structure annually to ensure it remains optimal for your personal tax position.

Yes. We offer free limited company formation for clients who sign up to our monthly package and remain with us for at least 12 months. We handle the Companies House registration, director and shareholder setup, and initial structure guidance.

Late filing penalties from Companies House start at £150 for accounts filed up to one month late, rising to £375 (1–3 months), £750 (3–6 months), and £1,500 for more than 6 months late. Penalties double for companies that file late in consecutive years.

HMRC also charges separate penalties for late CT600 returns. We proactively manage all your deadlines so this never happens.

A confirmation statement (formerly the annual return) confirms to Companies House that your company details are accurate and up to date — including registered address, directors, shareholders, and share structure. It is due every 12 months from your company’s incorporation date.

We file this on your behalf as part of your monthly package — no action needed from you.

Yes. You are legally required to maintain accurate accounting records for at least 6 years. We set you up with cloud accounting software and show you how to keep basic records — usually a matter of photographing receipts and reconciling your bank account, which takes minutes each week. The more up-to-date your records, the more tax-efficient your accounts will be.

You must file a self assessment return if you are:

• Self-employed with income over £1,000
• A limited company director
• A landlord with rental income
• Earning over £100,000 per year
• Claiming Child Benefit with income over £50,000
• Receiving foreign income
• Realising capital gains from selling assets

If you’re unsure whether you need to file, contact us and we’ll tell you for free.

The key dates are:

• 5 October — register for self assessment (first-time filers)
• 31 October — paper return deadline
• 31 January — online return deadline and tax payment due
• 31 July — second payment on account (if applicable)

The late filing penalty starts at £100 from day one, even if you have no tax to pay. We file well ahead of the January deadline for all clients.

Yes. Your personal self assessment tax return is included in all of our monthly packages. There is no additional fee at the end of the year. This covers all income sources — employment, dividends, rental income, capital gains, and more.

We send all clients a personal tax questionnaire each year which guides you through exactly what we need. Typically this includes your P60, dividend vouchers, bank interest statements, rental income records, and details of any capital disposals. We make the process as straightforward as possible — most clients complete the questionnaire in under 10 minutes.

Don’t panic. We can prepare and file outstanding returns for previous years. Penalties exist but are manageable if dealt with promptly, and HMRC will often reduce them if you engage proactively. New clients with outstanding returns receive 50% off catch-up filing as part of our new client welcome offer.

You are legally required to register for VAT if your VAT-taxable turnover exceeds £90,000 in any rolling 12-month period (current threshold as of 2024/25).

You can also voluntarily register below this threshold, which may be beneficial if your clients are VAT-registered businesses (as they can reclaim the VAT) or if you have significant VAT-able expenses to reclaim.

Most businesses file VAT returns quarterly. Your specific VAT periods will be assigned by HMRC when you register. The return and payment are both due one calendar month and seven days after the end of your VAT period.

We prepare and submit all VAT returns on your behalf. You simply need to make the payment due to HMRC, or you can set up a Direct Debit with HMRC for added convenience.

The Flat Rate Scheme (FRS) is a simplified VAT scheme for small businesses with VAT-taxable turnover under £150,000. Instead of calculating VAT on every sale and purchase, you pay a flat percentage of your gross turnover to HMRC, which can sometimes result in a lower overall VAT bill.

Your accountant will advise whether the FRS is right for your business based on your specific circumstances.

MTD for VAT requires all VAT-registered businesses to keep digital records and submit VAT returns using HMRC-compatible software. This has been mandatory for all VAT-registered businesses since April 2022.

We ensure full MTD compliance for all VAT-registered clients as part of your monthly package.

Yes. We handle VAT registration with HMRC on your behalf as part of your onboarding. We will advise on the best VAT scheme for your situation, register you with HMRC, and then prepare and submit all ongoing VAT returns as part of your monthly package.

Section 24 of the Finance Act 2015 removed the right for individual landlords to deduct mortgage interest as a business expense. Instead, landlords now receive only a basic rate (20%) tax credit on mortgage interest, regardless of the rate at which they pay tax.

This means higher and additional rate taxpayers can end up paying significantly more tax on their rental income. We help landlords model the impact and identify strategies to reduce it — including consideration of limited company structures.

It depends on your individual circumstances. Holding properties through a Special Purpose Vehicle (SPV) limited company allows full mortgage interest deduction as a business expense, and profits are subject to corporation tax rather than income tax — which is often lower for higher earners.

However, there are costs involved in transferring existing properties, including Stamp Duty Land Tax and potential Capital Gains Tax. We provide a full analysis of whether incorporation makes financial sense for your specific portfolio before recommending it.

Allowable expenses that can be deducted from rental income include:

• Letting agent fees and management charges
• Buildings and contents insurance
• Maintenance and repairs (not improvements)
• Ground rent and service charges
• Accountancy and legal fees
• Utility bills if paid by the landlord
• Mortgage interest (subject to Section 24 rules)

We review your expenses at each return to ensure you are claiming everything you are entitled to.

Making Tax Digital for Income Tax (MTD for ITSA) is now live from April 2026 for sole traders and landlords with income over £50,000. It requires digital record-keeping and quarterly income updates to HMRC using compatible software, replacing the traditional annual self-assessment return.

We handle all MTD setup and ongoing quarterly submissions for all affected clients as part of your monthly package — no extra charge.

IR35 is HMRC’s off-payroll working legislation. It is designed to identify contractors who work in a manner similar to an employee but operate through a limited company to reduce their tax liability.

If HMRC deems your engagement to be “inside IR35”, you are treated as an employee for tax purposes and must pay income tax and National Insurance on your contract income — significantly increasing your tax bill.

IR35 status is determined by three key tests: Substitution (can you send someone else to do the work?), Control (does the client dictate how you work?), and Mutuality of Obligation (is there an expectation of ongoing work?). The wording of your contract and your actual working practices both matter.

We review contracts and working practices for all limited company clients and advise on your IR35 position as part of your monthly package.

Yes. IR35 contract reviews, working practice advice, Status Determination Statement (SDS) preparation, and HMRC enquiry support are all included as standard in our Limited Company package. We do not charge extra for IR35 advice because we believe it should be a core part of every contractor’s accounting service.

If HMRC opens an IR35 enquiry, we represent and support you throughout the entire process. We will review the facts of your engagement, prepare your response to HMRC, and deal with all correspondence on your behalf. This representation is included in your monthly package at no additional cost.