Online Accounting for UK SMEs Under £1M Monthly Revenue
Fixed-price plans with real-time bookkeeping, VAT, and payroll designed for clarity, compliance, and confident growth.
About Our Online Accounting Practice
We help UK SMEs under £1M monthly revenue stay compliant and grow through real-time bookkeeping, VAT, and payroll, combining expert accountants with modern cloud tools.
Real-Time Bookkeeping
Up-to-the-minute transaction processing that keeps your numbers accurate, reconciled, and decision-ready.
Bank feeds and daily reconciliations
Connect secure bank feeds to automate daily imports, match transactions using rules, clear unreconciled items, and maintain accurate cash balances. Daily reconciliation supports timely decisions, reduces errors, and shortens month-end close.
Receipt capture and categorisation
Use mobile receipt capture to digitise invoices instantly, extract supplier details, VAT rates, and line items, then categorise consistently against your chart of accounts. This improves audit trails, enables faster queries, and strengthens VAT evidence.
Month-end close and journals
Prepare accruals, prepayments, depreciation, and payroll journals on a clear timetable, supported by reconciliations for bank, VAT, control accounts, and suspense. Document explanations, reviewer sign‑off, and changes to maintain robust financial integrity.
VAT Compliance for UK Businesses
Practical, HMRC-compliant VAT processes that prevent penalties and keep cash flow steady.
Plans and Services
Choose a fixed-price plan that fits your current activity, with the flexibility to add services as you scale.
Starter Plan — Real-Time Essentials
For startups and lean teams needing solid bookkeeping, quarterly VAT, and up to 10 employees on payroll. Includes daily bank feeds, monthly management accounts, and priority responses within two business days.
£169 per month
Growth Plan — Reporting and Integrations
For growing SMEs with multiple sales channels or subscriptions. Adds ecommerce and payment integrations, weekly cash forecasting, enhanced KPI dashboards, and payroll for up to 25 employees with managed Auto Enrolment tasks.
£299 per month
Scale Plan — Advanced Support
For established teams approaching higher volumes. Includes multi-entity consolidation where applicable, fortnightly review calls, credit control coordination, bespoke reporting packs, and payroll for up to 50 employees with complex benefits.
£449 per month
Payroll and RTI
Accurate, on-time payroll with RTI submissions, payslips, and year-end forms delivered reliably.
PAYE and National Insurance calculations
Calculate gross-to-net pay, apply tax codes, student loans, statutory payments, and National Insurance classes. We validate thresholds, ensure director annual earnings rules are applied, and reconcile PAYE and NIC to HMRC each period.
Auto Enrolment and pensions
Assess eligibility every pay run, automatically enrol staff, and manage postponement where appropriate. We issue statutory letters, handle opt‑outs, send contributions via middleware, and reconcile pension provider reports to payroll journals and bank payments.
RTI filings and statutory year-end
Submit Full Payment Submissions and Employer Payment Summaries on schedule, correct errors with EYU replacements where needed, and produce P60, P11D, and P45 forms. We monitor messages, resolve rejections, and maintain complete audit records.
Management Reporting and KPIs
Insightful monthly reports that translate raw data into actionable business decisions.
Monthly management accounts
Deliver profit and loss, balance sheet, and cash movement statements with variance analysis against budgets. Commentary highlights drivers, seasonal factors, and operational actions, ensuring directors understand performance and priorities before the next trading cycle.
Cash flow forecasting
Build rolling thirteen‑week cash forecasts from invoices, planned purchases, VAT timings, and payroll obligations. Scenario testing explores slower receipts, stock purchases, or investment, helping owners plan contingencies and negotiate facilities before pressures arise.
KPI dashboard and alerts
Define meaningful KPIs such as gross margin, debtor days, utilization, and inventory turns, and present them in a concise dashboard. Automated alerts flag breaches, prompting corrective actions and collaborative discussion with your accountant immediately.
Software Stack and Integrations
Best-in-class cloud tools connected to streamline data capture and reporting.
Xero or QuickBooks setup and optimisation
Configure the ledger, tax rates, tracking categories, and bank rules to mirror your operations. We remove unused accounts, standardise item codes, and implement approval workflows so posting becomes consistent, auditable, and significantly faster for your team.
Sales, payment, and ecommerce integrations
Connect Shopify, WooCommerce, Amazon, Stripe, and PayPal with cleared payout mappings and fees. We reconcile gateway balances, handle refunds, and match orders to invoices, reducing manual posting and keeping revenue recognition accurate in every period.
Expenses, mileage, and time tracking
Deploy Dext, Pleo, or similar tools for receipts, cards, and expense policies. Integrate mileage rates, employee approvals, and project time, ensuring costs are captured promptly, coded correctly, and ready for billing or analysis without delays.
Onboarding and Data Migration
A structured start that protects data integrity and minimises disruption.
Historical catch-up and clean-up
Bring prior periods up to date by posting missing transactions, correcting miscodings, and reconciling control accounts. We document adjustments, explain impacts, and ensure opening balances are reliable before transitioning fully to real‑time routines.
Chart of accounts design
Design a chart aligned to management reporting, VAT needs, and statutory categories. We simplify duplications, create tracking for departments or projects, and lock naming conventions so coding is intuitive and consistent across your organisation.
Opening balances and migrations
Import opening balances with supporting schedules for debtors, creditors, fixed assets, and VAT. We test trial balance alignment, verify customer and supplier lists, and confirm reports match legacy systems before go‑live to prevent reconciliation issues.
Sector-Specific Workflows
Tailored processes that respect the nuances of your industry.
Controls and Data Security
Strong controls protect your finances, data, and reputation.
User access and approvals
Implement role‑based permissions, two‑factor authentication, and maker‑checker approvals for payments and journals. We review access quarterly, revoke stale accounts, and log critical actions, reducing fraud risk and improving auditability across your finance systems.
Document retention and backups
Define retention periods for payroll, VAT, and statutory records, and store documents securely with version history. Automated backups protect against ransomware and accidental deletion, supporting continuity and regulatory evidence during reviews or investigations.
GDPR and privacy compliance
Map personal data, minimise collection, and apply lawful bases for processing across payroll, HR, and CRM integrations. We maintain processing records, support subject access requests, and implement breach procedures, protecting staff, customers, and stakeholders from avoidable risks.
Tax Planning Essentials
Proactive guidance that aligns taxes with cash flow and growth goals.
Corporation Tax estimates and accruals
Project Corporation Tax liabilities from real‑time profits, adjusting for capital allowances, losses, and super‑deductions where relevant. We accrue quarterly, plan payment schedules, and reduce surprises, aligning tax outflows with expected cash availability.
Director salary and dividends balance
Model optimal combinations of salary, dividends, and benefits considering thresholds, allowances, and NIC. Provide board-ready recommendations with timelines, paperwork, and bookkeeping entries, ensuring compliance while maximising post‑tax income for owner‑managers.
Capital allowances and reliefs
Identify qualifying assets, split special rate and main pool items, and track annual investment allowance usage. We compile evidence, calculate writing down allowances, and coordinate with year‑end disclosures, improving cash recovery from planned investments.
Dedicated accountant and service levels
Work with a named accountant who knows your business, supported by specialists for VAT and payroll. Published service levels set response times, escalation paths, and meeting schedules, creating accountability and consistent quality month after month.
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Monthly reviews and planning calls
Hold structured monthly calls to review results, upcoming VAT or payroll deadlines, and pipeline changes. We agree actions, document decisions, and share follow‑ups in your portal so owners and managers stay aligned and informed.
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Real-time messaging and portal
Use our secure portal for document exchange, approvals, and status updates, with chat for quick questions. Notifications track assignments and due dates, reducing email clutter and making progress visible to stakeholders immediately.
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Fixed-Price Plans
Transparent pricing that scales with activity, not with surprises.
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Statutory accounts under FRS 102 Section 1A
Prepare small company accounts with notes, directors’ report where applicable, and accurate disclosures of accounting policies. We reconcile to management accounts, address cut‑off adjustments, and ensure Companies Act requirements are met before approval.
Companies House and HMRC filings
File abridged or filleted accounts to Companies House as appropriate, and submit CT600 with computations and iXBRL tagging to HMRC. We manage deadlines, authorisations, and confirmations so nothing is missed during busy periods.
Pre-year-end review and adjustments
Complete a pre‑year‑end review to optimise provisions, reconcile balances, and capture reliefs. We discuss dividends, bonuses, and capital purchases before deadlines so results reflect strategy and cash flow planning remains realistic.