Self Assessment looming. MTD ITSA from April. Books behind. Let's get it handled.
Fixed-price bookkeeping, year-end accounts, MTD ITSA readiness and VAT for UK sole traders, landlords and small limited companies — handled personally by a chartered management accountant. One flat monthly fee, agreed in writing before any work starts. By email. No phone tag.
From £150/month · Books up-to-date by the 5th of every month · No setup fee · No contract · Fixed price agreed in writing.
- Self Assessment 2024/2531 Jan 2026
- Confirmation Statement12 months from last
- VAT Q4 return + payment7 days after quarter
- CT600 + corporation tax9 months after y/e
- MTD ITSA quarterly updateFrom Aug 2026
Every HMRC and Companies House deadline tracked. You don't miss one because we're watching.
UK small-business bookkeeping & accounting, explained simply
UK small-business accounting covers monthly bookkeeping (bank reconciliation, transaction categorisation, MTD-compatible digital records), year-end accounts (filed at Companies House for limited companies), VAT returns (quarterly, digitally), Self Assessment for sole traders and landlords, MTD ITSA readiness (mandatory from 6 April 2026 for income over £50,000), and payroll with RTI submissions. BlackpeakCFO bundles these for a single fixed monthly fee starting at £150/month.
Who this is for
Is this you?
Sole trader
Consultant, plumber, electrician, hairdresser, tutor — you invoice in your own name, file Self Assessment, and now MTD ITSA is coming.
See your fit →Landlord
One property or a small portfolio — rent comes in, expenses go out, and from April 2026 MTD ITSA wants quarterly updates if your gross rent passes £50,000.
See your fit →Small limited company
You're a director with employees, VAT to file, Companies House deadlines, and a year-end you've been dreading. Most of what we do.
See your fit →Growing SME
Real revenue, several employees, and you've outgrown the high-street accountant. You need monthly numbers and someone watching cash — without a £150K Finance Director salary.
See your fit →The gap nobody fills
What probably goes wrong without one of us in the loop
The books drift, then January arrives
You meant to keep the bookkeeping current. Then a quarter slipped, then six months. Now Self Assessment is due and you're crashing through a year of bank statements at 11pm.
MTD ITSA caught you flat-footed
From 6 April 2026 HMRC wants quarterly submissions for sole traders and landlords with income over £50,000. £30K threshold from 2027. £20K from 2028. The cost is points-based penalties — and a system most accountants haven't told you about properly.
Your accountant only really exists in January
You pay £40/month for "online accounting" and you can't get a straight answer about VAT, the director's loan, or whether the latest spend is allowable. Year-end becomes a fee for the year, not a conversation.
The price you'll pay is the price you'll pay
"Hourly" sounds reasonable until the invoice arrives. We agree the monthly fee in writing before any work starts — and it doesn't move because a month was heavy.
How it works
Three steps. No phone calls. By email.
- 1
Send your details
Five-minute form. Tell us what kind of business, what you need help with, where the books are right now. Start here →
- 2
Get a fixed quote by email
Within one business day. Scope written out, monthly price written out, no hidden fees, no contract. If we're not a fit you get an honest "here's who you should talk to instead".
- 3
Onboard in days, not weeks
We connect to your Xero / QuickBooks / FreeAgent / Sage with read-access to your bank feed, map the chart of accounts, and your first monthly close lands by the 5th of the following month.
What's included
The full UK SME stack — under one fixed fee
📒 MTD-ready bookkeeping
Bank, credit-card and Stripe/GoCardless reconciliation. Transactions categorised to a clean chart of accounts. Digital records kept the way HMRC wants — MTD-compatible from day one.
📊 Monthly management accounts
P&L, balance sheet and cash position by the 5th of every month. Plain-English commentary on what changed and why. No trial balance dumped in your inbox.
🧾 MTD ITSA readiness
Records and process built so the April 2026 quarterly submission is a click, not a crisis. (We keep the books to MTD standard. Filing as your HMRC agent activates once our Agent Services Account is live.)
📑 Limited company year-end
FRS 102 / FRS 105 micro-entity accounts, CT600 working papers, Confirmation Statement, director's Self Assessment. Filed on time, every time.
💷 VAT returns
Quarterly MTD VAT prepared and filed from a ledger that's already structured correctly. Flat-rate vs standard guidance, partial-exemption help where it applies.
👥 Payroll & pensions
RTI submissions, PAYE, pension auto-enrolment, P60s. A tiny team or twenty — handled monthly, no surprises.
🏦 HMRC & Companies House liaison
You don't deal with brown envelopes. We do. Confirmation Statement, PSC register, late-filing prevention, HMRC enquiries — answered properly, the first time.
🎯 Fractional Finance Director
For the growing SME tier: cash-flow forecasting, scenario modelling, board packs, bank facility prep, exit readiness. The senior judgement, none of the £150K salary.
UK pricing
Fixed monthly fees, written down before you commit
Three tiers covering the full UK SME ladder. Move up or down month-to-month. No contracts. Cancel with 30 days' notice. Every fee agreed in writing.
Sole Trader & Landlord
From £150/month
For self-employed people and landlords with property income
- MTD-ready monthly bookkeeping
- Self Assessment (SA100, SA105 for landlords)
- MTD ITSA readiness — quarterly process built ready
- Year-end summary & tax estimate
- HMRC correspondence handled
- Email access throughout — no hourly meter
Most engagements
Small Limited Company
From £295/month
For director-run Ltd companies under ~£1M turnover
- Everything in Sole Trader, plus:
- Monthly management accounts by the 5th
- Quarterly MTD VAT prepared & filed
- FRS 105 micro-entity / FRS 102 year-end accounts (£495 fixed at year-end)
- CT600 working papers for your tax filing
- Confirmation Statement (£75 fixed)
- Director's Self Assessment
- Payroll from £29/mo + £4 per employee
Growing SME / Fractional FD
From £1,995/month
For SMEs with employees, complexity, or a raise / sale on the horizon
- Everything in Small Limited Company, plus:
- 13-week rolling cash-flow forecast
- KPI dashboard with budget vs actual
- Monthly strategy review & commentary
- Board pack / lender pack preparation
- Scenario modelling (hire / raise / capex)
- R&D tax-credit scoping where eligible
- FRS 102 / IFRS / US GAAP if you trade cross-border
Not sure which fits? Send your details — we'll tell you honestly which tier suits, even if that means a lower one. For one-off work (catch-up bookkeeping, year-end-only) we quote a fixed price separately.
The First-Month Promise
If your first month with us doesn't produce at least one actionable insight from clean books — something you can act on this quarter — you don't pay. No questions, no quibble. We take the risk; you take the books.
UK FAQ
The questions UK owners actually ask
What's the cheapest level — and what do I get?
Sole trader / landlord from £150/month: MTD-ready monthly bookkeeping, Self Assessment, MTD ITSA readiness, year-end summary, HMRC correspondence handled, email access throughout. Designed to be enough — not stripped-down.
Are you actually qualified — and supervised?
ACMA CGMA chartered through CIMA since 2013. CIMA Member in Practice (supervised under CIMA's regulatory regime, including AML supervision). AICPA member. Professional indemnity insurance carried.
What about MTD ITSA — do you file as my HMRC agent?
We keep your records and prepare quarterly submissions to MTD standard from day one — so the April 2026 mandation is a click, not a crisis. Direct filing on your behalf via HMRC's Agent Services Account is the last piece we're activating; until that's live, we prepare and you submit, with us standing behind every figure.
Where are you based, and does it matter?
The practice is fully remote. We work over secure cloud accounting (Xero, QuickBooks, FreeAgent, Sage) with read-access to your bank feed and email/Slack/Teams for day-to-day questions. Location stops mattering once nothing happens in person anyway.
Will you talk to my existing accountant?
Yes — handover is part of the onboarding. We get the prior-year accounts and TB from them, slot in cleanly, and the work continues. If you're switching, our UK switch-your-accountant process makes the handover painless.
I'm behind. How does catch-up work?
One-off, fixed price, scoped before any work starts. The catch-up is separate from your ongoing monthly fee so the monthly price stays clean once you're current. UK bookkeeping cleanup →
Do I have to phone? Calendly? Schedule a call?
No. Everything happens by email by default. If you want a call, you can have one — but it's never the price of entry. The funnel is the form: /uk/start/.
What software do you support?
Xero, QuickBooks, FreeAgent, Sage 50 / Sage Business Cloud. If you're on a spreadsheet we migrate you to one of the above as part of onboarding — MTD ITSA needs digital records.
UK coverage
100% remote — serving small businesses across every UK city
Fully remote, cloud-first, secure. Same service in London, Manchester, Edinburgh, Cardiff, Belfast — no postcode premium.
Send your details. Get a fixed quote by email within one business day.
No phone tag, no awkward calendars, no sales call. Stuart reads every form personally. If we're not a fit, you get an honest answer — by email — telling you who is.
Send my detailsOr take our free 2-minute MTD ITSA readiness check →