Stuart Wilson, ACMA CGMA Fractional CFO & Controller · AICPA Member
Board-ready management accounts. Cash-flow forecasting. Scenario planning. M&A advisory. Audit-ready financials. All under FRS 102 — from an ACMA CGMA with 24 years at Citigroup, ABN AMRO, and private equity. From £1,995/mo.
No contracts · Cancel anytime · From £1,995/mo · 100% Remote — Serving All UK Cities
Stuart Wilson trained and qualified at CIMA, then spent two decades at Citigroup, ABN AMRO, and Arle Capital Partners in London — managing fund accounting, financial reporting, and strategy across £2B+ in assets. Now, as your outsourced finance director, he brings that institutional rigour to growing UK businesses at a fraction of the cost.
30 minutes. We review your current setup — Xero, Sage, QuickBooks — and identify the gaps costing you time and money. No pitch, just honest advice.
We connect to your accounting platform, map your chart of accounts, and build your reporting framework. Usually done within 5 working days.
Management accounts on your desk by the 5th. Cash flow updated weekly. Strategy calls fortnightly. Compliance tracked automatically. Like having an FD on staff — without the overhead.
We work remotely with direct access to your Xero, Sage, or QuickBooks. Monthly or fortnightly video calls, Slack or Teams for day-to-day questions. Most Finance Directors don't sit at your desk full-time anyway — you're paying for the thinking, not the chair.
Your accountant files the year-end. Your bookkeeper reconciles transactions. But who's actually watching the numbers in between? That's where we come in.
You're making decisions on gut feel because your bookkeeper produces a trial balance, not actionable management information. By the time you see last month's numbers, it's too late to course-correct.
Confirmation statements, annual accounts, corporation tax, quarterly VAT, Making Tax Digital, auto-enrolment pensions. Your accountant files the year-end. Nobody's watching the numbers in between.
No 13-week cash flow forecast. No rolling budget vs. actual. No scenario modelling. Your bank asked for management accounts and you scrambled for 3 weeks. That's not how scaling companies operate.
US subsidiary, EU customers, multi-currency invoicing. Your UK accountant doesn't do US GAAP. Your US CPA doesn't know FRS 102. You need someone who speaks both — fluently.
Everything a full-time FD delivers — your virtual FD, without the full-time cost.
Full P&L, balance sheet, cash flow statement. FRS 102-compliant. Board-ready and audit-ready financials. Not a trial balance — actual management information with commentary.
Revenue, gross margin, debtor days, creditor days, cash runway, burn rate. Updated live. No more waiting for month-end to know where you stand.
Rolling weekly cash forecast so you never get surprised. Scenario modelling for hiring, capex, new contracts. What banks and investors want to see.
Companies House deadlines tracked. VAT reconciled quarterly. CT600 working papers prepared. Auto-enrolment monitored. MTD ITSA readiness from April 2026.
45-minute call to walk through the numbers, flag risks, discuss opportunities. Like having an FD in the room — without the £150K salary and pension contributions.
US subsidiary reporting under GAAP. Multi-currency consolidation. Transfer pricing documentation. IFRS ↔ FRS 102 ↔ US GAAP — all handled under one roof.
Strategic advisory that goes further than compliance and reporting.
What happens if you hire two people? Open a second location? Lose your biggest client? We model every scenario so you decide with data, not gut feel.
Thinking of acquiring? Being acquired? We prepare vendor due diligence packs, assess targets, and negotiate deal structures. Stuart's done this at ABN AMRO and Arle Capital.
Quarterly market intelligence reports. Competitor benchmarking. Pricing strategy reviews. The strategic lens a full-time FD would provide — at a fraction of the cost.
Seed to Series B. SEIS/EIS schemes. Investor-ready financial models. Board packs that institutional investors expect. Cap table management and equity structuring.
Most UK tech companies leave money on the table. We identify qualifying R&D expenditure, prepare the claim, and liaise with HMRC. Typical claims: £30K–£100K+.
Xero · Sage · QuickBooks · FreeAgent · NetSuite · Dext. Cloud-based finance tools, connected to your platform with reporting built on top — no migration required unless it makes sense.
Practical guides for UK business owners — written by an ACMA CGMA, not a content agency.
Everything you need to know before hiring a fractional FD — roles, rates, and when your business needs one.
Read guide →Build a board-ready management pack. KPIs, P&L commentary, cash flow, and what your board actually wants to see.
Read guide →Disclosures, revenue recognition, related parties, and the new audit thresholds — the practical bits your accountant assumes you know.
Read guide →Every filing deadline, penalty tier, and PSC requirement. Annual accounts, confirmation statements — the lot.
Read guide →MTD for ITSA starts April 2026. Who must comply, which software qualifies, and the quarterly submission calendar.
Read guide →No contracts. No hidden fees. Cancel with 30 days' notice.
For businesses needing reliable monthly numbers
Full strategic FD — for businesses ready to scale
UK + US/EU operations under one roof
Stuart is ACMA CGMA-qualified through CIMA and spent his career at Citigroup and ABN AMRO in London. He works remotely with direct access to your Xero/QuickBooks/Sage, your bank feeds, and your team. Monthly or fortnightly calls, Slack/Teams for day-to-day questions. Most FDs don't sit at your desk full-time anyway — you're paying for the thinking, not the chair.
FRS 102 for UK entities. IFRS for groups or listed companies. US GAAP for US subsidiaries. We handle multi-GAAP reporting under one engagement — no need to hire separate accountants for each jurisdiction.
No. We work alongside your accountant. They file your year-end accounts and corporation tax return. We prepare the management accounts, cash-flow forecasts, and strategic reporting in between — the work your accountant doesn't do. We prepare CT600 working papers so their job is faster and cheaper.
Xero, QuickBooks, Sage, FreeAgent, anything that has an API. We also use our own AI-powered dashboard layer for KPI tracking. We don't force you onto our platform — we connect to yours.
Scotland has its own income tax rates (SRIT) with 6 bands up to 48% at the top. Wales has WRIT. Northern Ireland has Windsor Framework complexities. Pricing is the same regardless of your UK nation — we factor these differences into your payroll planning and tax strategy at no extra cost.
None. Month-to-month. Cancel with 30 days' notice. We believe if we're doing a good job, you'll stay. No lock-ins, no penalty fees.
UK Finance Resources
What an FD actually does, costs, and when you need one vs. a part-time accountant.
TemplateFree downloadable template — P&L, balance sheet, KPIs that UK investors expect.
ComplianceRevenue recognition, lease accounting, and the key differences from IFRS that trip up growing companies.
DeadlinesEvery deadline that matters — confirmation statements, accounts, CT600 — so you never get fined.
MTDMTD for ITSA is coming. What you need to do, which software qualifies, and how to stay compliant.
Cross-BorderDual entity structures, transfer pricing, GAAP vs FRS 102 — the guide for companies operating in both markets.
Finance Director Services Across the UK
Also Serving in the US
30-minute discovery call. We'll review your current setup, identify the gaps, and show you what a proper finance function should look like at your stage. No pitch — just honest advice from someone who's done this at Citigroup and ABN AMRO.
Book Your Free Call →Not ready to talk? Take our free 2-minute financial health assessment →