BlackpeakCFO™ Bookkeeping & finance systems
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Hero ACMA CGMA · CIMA chartered since 2013
Remote, anywhere in the UK

Monthly bookkeeping, MTD-ready
from £150 a month

In short

Monthly bookkeeping for UK sole traders, landlords and small limited companies: bank and card reconciliations, transactions categorised, records kept to Making Tax Digital standard, closed by the 5th of every month. From £150 a month (from £295 with management accounts for limited companies), agreed in writing. Onboarding form, email and recorded walkthroughs; no meetings unless you want one.

Not a bookkeeper with a spreadsheet: a chartered management accountant who keeps the books, reads them, and tells you what they say.

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No contracts · Cancel any time · From £150/month · ACMA CGMA

Stuart Wilson, ACMA CGMA
Stuart Wilson, ACMA CGMA Chartered Management Accountant · CIMA since 2013

What's Included

Everything you need to keep your books clean, compliant, and MTD-ready.

Transaction Recording & Categorisation

Every transaction coded to the correct nominal, with smart bank rules and receipt matching. No backlogs, no guesswork.

Bank & Credit Card Reconciliation

All bank accounts and credit cards reconciled monthly. Discrepancies investigated and resolved — not left on a suspense account.

Accounts Payable Management

Supplier invoice processing, payment scheduling, and aged creditor reporting. Never miss an early-payment discount or a payment deadline.

Accounts Receivable & Credit Control

Sales invoice raising, aged debtor tracking, and chasing overdue payments. Improve your cash collection cycle without the awkward conversations.

Payroll Processing (RTI-Compliant)

Monthly or weekly payroll runs, PAYE & NI calculations, RTI submissions to HMRC, payslips, and P60s. Auto enrolment pension contributions included.

Monthly Management Accounts

P&L, balance sheet and cash position, with commentary. Not just numbers on a page. Delivered by the 5th working day of each month so you can act on them. From £295 a month for limited companies.

VAT Returns & MTD Filing

Quarterly VAT calculations, digital record-keeping, and MTD-compliant submission direct to HMRC. Flat rate, standard, or cash accounting — we handle it all.

Year-End Accounts Preparation

Full year-end working papers, trial balance, and supporting schedules prepared for your accountant. Reduces their time — and your accountancy bill.

Software We Support

Xero QuickBooks Online Sage 50 FreeAgent Kashflow Dext (Receipt Bank)

Using something else, or spreadsheets? An accounting system migration, reconciled to the penny, is a fixed price from £995.

Bookkeeping Pricing

Transparent pricing in GBP. No long-term contracts. Month to month.

Sole Trader & Landlord
From £150/mo

Self-employed people and landlords who want MTD-ready books.

  • ✓ MTD-ready monthly bookkeeping
  • ✓ Monthly bank reconciliation
  • ✓ Quarterly figures for MTD ITSA
  • ✓ Transaction categorisation
  • ✓ Year-end preparation
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For Ltd companies
Limited Company
From £295/mo

Limited companies that want monthly management accounts.

  • ✓ Monthly bookkeeping and bank reconciliation
  • ✓ AP/AR management
  • ✓ Monthly management accounts
  • ✓ MTD VAT returns (£99/quarter)
  • ✓ Payroll (from £29/mo + £4 per employee)
  • ✓ Year-end preparation
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Catch-Up / Clean-Up
From £495

Books behind? A one-off fixed price to bring them up to date.

  • ✓ £495 for a three-month catch-up
  • ✓ £995 for a full year
  • ✓ From £2,495 for several years
  • ✓ Reconciled to bank statements
  • ✓ Ready for year-end and MTD
  • ✓ Then move to a monthly fee if you want one
  • ✓ Year-end preparation
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Want the numbers on one page? Dashboards in Power BI, Tableau or the web are a fixed build from £1,495, with an automated monthly refresh from £95/month.

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UK Compliance — Covered

Making Tax Digital (MTD)

MTD for VAT — fully compliant. Digital records, quarterly submissions, and bridging software configured correctly. Also preparing clients for MTD for Income Tax from April 2026.

Auto Enrolment Pensions

Worker assessment, contribution calculations, pension provider submissions (NEST, People's Pension), opt-out management, and re-enrolment duties with The Pensions Regulator.

Construction Industry Scheme (CIS)

Subcontractor verification, deduction calculations, monthly CIS returns to HMRC, and payment statements. CIS suffered reclaimed through payroll or corporation tax.

Companies House Filing

Annual confirmation statements, filing of annual accounts, and ensuring your company stays compliant with Companies House deadlines. No late-filing penalties on our watch.

Frequently Asked Questions

How much does monthly bookkeeping cost? +

From £150 a month for sole traders and landlords, and from £295 a month for limited companies that want monthly management accounts as well. The price is set against your transaction volume and number of bank accounts, agreed in writing before any work starts, and excludes VAT. If the books are behind, a catch-up is a separate one-off: £495 for three months, £995 for a full year.

How is this different from a local bookkeeper? +

A bookkeeper records transactions. Here the books are kept and read by a chartered management accountant: bank reconciliations, VAT, and for limited companies a monthly management pack with commentary. Stuart Wilson is an ACMA CGMA with 24 years in finance, including seven years as Group Finance Director for a portfolio of small and mid-sized businesses in London, and does the work himself.

Are the books kept to Making Tax Digital standard? +

Yes. Records are kept digitally in MTD-compatible software (Xero, QuickBooks, Sage or FreeAgent), VAT returns are prepared from a reconciled VAT account and submitted under MTD for VAT, and sole traders and landlords are set up for MTD for Income Tax, which applies from April 2026 to those with qualifying income over £50,000.

Can you handle CIS returns for construction companies? +

Yes. We manage the full CIS process — verifying subcontractors with HMRC, calculating and applying the correct deduction rates (0%, 20%, or 30%), filing monthly CIS returns, and issuing payment and deduction statements. We also handle the CIS suffered reclaim on your company's payroll or corporation tax return.

What about auto enrolment pensions? +

We handle auto enrolment compliance end-to-end. That includes assessing eligible workers, managing opt-in and opt-out processes, calculating employer and employee contributions, submitting data to your pension provider (NEST, People's Pension, etc.), and filing re-enrolment and re-declaration duties with The Pensions Regulator.

Do you work with my existing accountant for year-end? +

Yes. The year-end working papers (trial balance, nominal ledger, bank reconciliations and supporting schedules) are prepared to the standard your accountant needs, and I liaise with them directly if you authorise it. Clean monthly books make the year-end quicker. If you would rather have the year-end done here, micro-entity accounts are £495 and small-company accounts £995.

Get your books sorted, properly

Send your details in a five-minute form. I look at your current set-up and reply by email within one working day with a fixed monthly price. No call needed, no pitch.

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stuart@blackpeakcfo.com

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