BlackpeakCFO™ Bookkeeping & finance systems
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Hero ACMA CGMA · CIMA chartered since 2013
UK small business · Fixed-price · No phone calls

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.

Stuart Wilson, ACMA CGMA — chartered management accountant
Stuart Wilson, ACMA CGMA
CIMA member since 2013 · 7 years as Group Finance Director for UK SMEs · The person who reads your email is the person who does your books
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From £150/month · Books up-to-date by the 5th of every month · No setup fee · No contract · Fixed price agreed in writing.

ACMA CGMA CIMA since 2013 24 years in finance
📅 Your UK compliance calendar Tracked
  • 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 qualifying 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 →
🧩

Messy finance systems

Spreadsheets everywhere, a month-end that takes weeks, or software that doesn't talk to each other. You want someone to look at the whole set-up and tell you, in writing, what to fix first.

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. 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. 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. 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 each quarterly update is a click, not a crisis. Quarterly updates and the final declaration are £495 a year; you authorise me as your agent with HMRC during onboarding.

📑 Limited company year-end

FRS 105 micro-entity accounts (£495) or FRS 102 small-company accounts (£995) with the CT600, confirmation statement (£149 plus the £50 fee), director's Self Assessment (£195). Filed within 10 working days of your records.

💷 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

Once you have authorised me as your agent, the brown envelopes come to me: confirmation statement, PSC register, deadline tracking and HMRC correspondence, answered properly the first time.

🔁 Accounting system migrations

Moving between Sage, QuickBooks, Xero or FreeAgent, reconciled to the penny: opening balances, open items and history. Fixed price from £995.

📈 Dashboards

Power BI, Tableau or web dashboards built as a fixed project (from £1,495), with an automated monthly refresh (from £95/month).

UK pricing

Fixed monthly fees, written down before you commit

Two monthly tiers and one fixed-price audit. Move between the monthly tiers 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
Send my details →

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 (£149 plus the £50 Companies House fee)
  • Director's Self Assessment
  • Payroll from £29/mo + £4 per employee
Send my details →

Finance Systems Audit

£1,995 fixed

For owners whose month-end, spreadsheets or software need sorting out

  • Review of your month-end, spreadsheets and software
  • Where time and money leak, written down
  • A prioritised roadmap of fixes
  • Fixed price, fixed scope
  • Findings by email with a recorded walkthrough
  • No meetings unless you want one
About the audit →

Not sure which fits? Send your details — we'll tell you honestly which tier suits, even if that means a lower one. One-off work is fixed price too: bookkeeping clean-up from £495, accounting-system migrations from £995, dashboards from £1,495.

🛡️

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, a member of CIMA (the Chartered Institute of Management Accountants) since 2013. Not a registered auditor. Every piece of work is done by me, so there is nobody to supervise except me.

What about MTD for Income Tax: do you file as my HMRC agent?

I keep your records to MTD standard and prepare each quarterly update and the final declaration. During onboarding you authorise me as your agent with HMRC through the standard online process; until that authorisation is through, I prepare and you press submit, and I stand behind every figure either way.

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 and Sage Business Cloud. If you are on a spreadsheet, moving onto one of them is a fixed-price accounting system migration from £995; Making Tax Digital needs digital records.

Every service

Remote, anywhere in the UK. One fixed price per service.

England, Scotland, Wales and Northern Ireland, delivered by email and recorded walkthroughs. No postcode premium.

Finance Systems Audit · £1,995 fixedAccounts overdue at Companies House · from £495Bookkeeping catch-up · £495 (3 months) · £995 (full year) · from £2,495 (several years)Confirmation statement · £149 + £50 Companies House feeAccounting system migration · from £995Monthly bookkeeping · from £150/monthManagement accounts · from £295/monthMTD VAT returns · £99/quarterMTD for Income Tax · £495/yearSelf Assessment · £195Payroll · from £29/month + £4 per employeeYear-end accounts · £495 (micro-entity) · £995 (small company)Finance dashboards · from £1,495 Switch accountant Late filing penalties Every price

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 details

Or take our free 2-minute MTD ITSA readiness check →