Contractors and freelancers
IR35-aware accounting for your own company.
Built for contractors and freelancers trading through their own limited company. Books done, Corporation Tax and VAT filed, and advice on direct message.
Every new contract gets an IR35 status review, written up and kept in your portal as evidence.
Is this for you?
A good fit
- A contractor or freelancer trading through your own limited company.
- Someone taking on new contracts through the year, each needing an IR35 view.
- A director who wants dividend timing planned, not guessed.
Probably not for you
- Someone inside IR35 on every contract: an umbrella company is often the better answer, and we will say so.
- A contractor without a company who would be better served as a sole trader.
What is included
8 things, every month
- Annual accounts (FRS 105 micro-entity) and CT600 filing
- Monthly bookkeeping and bank reconciliation
- Quarterly VAT returns, Standard or Flat Rate
- Director's Self Assessment return
- IR35 status review for each new contract
- Cloud accounting software
- Receipt scanning and an email-in inbox
- Unlimited tax advice through the client portal
The rhythm
- Every new contractAn IR35 status review, with a one-page memo of the conclusion and the reasoning.
- Every monthBookkeeping by income source, so you can see which contracts contribute what.
- Every quarterYour VAT return, Standard or Flat Rate.
- Every yearAnnual accounts, the Company Tax Return, your director's Self Assessment, and a planning call.
Fees
Fees are quoted for your business
Our promises
Tax saved, or refunded
Save more in tax than we cost in year one, or we refund the difference. We track every penny of tax saved against what you'd have paid before. If you're not better off, we make you whole. Year one only: after that the savings compound.
First month refundable
Try us for a month. Not for you? Full refund, no questions, no exit interview. We onboard you in 48 hours, you see how we work, you decide.
Same-day replies
Direct-message your accountant. No phone tag, no inbox queue, no being passed between three people. You'll hear back the same business day, every time.
Questions
What will it cost?
It depends on your turnover and a few other things about how the business runs, so we quote each business individually. Send a message with a short description and you will have a figure in writing before any work starts.
How is the IR35 status review carried out?
For each new contract you upload the contract and a short description of how the working relationship operates in practice: control, substitution, mutuality of obligation. We assess it against current HMRC tests and case law and write you a one-page memo with the conclusion and the reasoning, saved in your portal in case HMRC ever asks.
I'm inside IR35 on most of my contracts. Is the company still worth it?
Often not, honestly. Permanent inside-IR35 status erases most of the tax efficiency that justifies a company, and an umbrella might be the better answer. We model both routes for your income on the introduction call and tell you which way the maths comes out. If umbrella wins, we'll recommend that.
What about expenses? Travel, subsistence, training?
Allowable under the standard rules: travel between assignments (not commuting to one regular workplace), subsistence on overnight stays, and training relevant to your existing skills. Inside-IR35 contracts disallow most of these. It is categorised as the bookkeeping is done, so you don't chase it at year end.
My VAT is on the Flat Rate Scheme. Is that handled?
Yes. We handle Flat Rate, Standard Rate, Cash Accounting and the limited-cost-trader rules. We'll also tell you if Flat Rate has stopped being the cheaper option for you, which sometimes happens as expenses rise.
Can I take dividends through the year, or must I wait for year end?
Dividends are declared from distributable profit and can be declared at any time, provided the profit is there. We plan the timing across the tax year with you, and the monthly bookkeeping keeps the distributable figure live so you can act on it.
I have several contracts running at once. Does that matter?
It means more IR35 reviews, one for each contract. The bookkeeping tracks your income by source so each contract is visible on its own.
What if I take a permanent job and want to keep the company dormant?
We keep it in good standing for you: the confirmation statement, dormant accounts and the anti-money-laundering record. When you go back to contracting, we pick the active service back up.
How do I leave if it doesn't work out?
Cancel the Direct Debit. We export your data in a clean format and hand it to your new accountant under standard professional courtesy. The first month is on a full refund. After that there is no exit fee and no contractual minimum.
Tell us about your contracts
A short message about how you contract today is enough to start. We reply within one business day.