Accountants for UK contractors.
IR35 reviewed before every contract. Self-assessment filed by October, not January. WhatsApp typically under 30 min.
The two things contractors complain about most: slow responses and account-manager rotation. We don't do either. Named accountant, published service standards, IR35 reviewed before you sign.
Is this for you?
- Contractors operating through a personal service company (PSC)
- Day-rate contractors between £400 and £1,200/day
- Contractors moving from umbrella to PSC
- PSC directors needing self-assessment for dividends
- Contractors about to sign a new contract — IR35 status critical
- Contractors under HMRC IR35 enquiry on a historic contract
What we handle.
PSC annual accounts + CT600
Statutory accounts and corporation tax filed with HMRC and Companies House.
Director self-assessment
Personal tax return covering salary, dividends, and other income.
IR35 assessment
Every contract reviewed before signing. Documented determination.
Salary / dividend optimisation
Annual review of director compensation structure.
Bookkeeping + expenses
Monthly close. Allowable expenses claimed correctly.
VAT (if applicable)
Flat Rate vs Standard reviewed annually.
Director loan accounts
Tracked and rectified to avoid s455 charges.
Pension contributions
Director pension into the company before profit hits tax.
The system that turns this into a year-round process.
Evidence Pack captures every contract, SDS, and working-practices document contemporaneously. Deadline Lock tracks all PSC deadlines plus IR35-relevant dates. Portfolio Reporting Pack surfaces day-rate yield, retained profit, and forward tax liability monthly.
Read more about Compliance Vault™Documented in your engagement letter. Reviewed annually.
- WhatsApp typically under 30 min
- Email within 1 working day
- Monthly close by the 7th
- Phone manned reception, typically within 10 min
What you're paying for if you don't have an accountant who plans ahead.
All figures are documented from real client scenarios — not invented. The point isn't fear; it's clarity about what good advisory actually saves.
IR35 retrospective determination on a past contract
£20,000–£100,000+ in backdated tax and NIC
Expense claims incomplete
£1,500–£5,000 overpaid tax annually
Slow accountant response on a contract about to sign
Contract signed inside IR35 unwittingly = full PAYE rates
Director loan over £10k not declared
32.5% s455 charge on the loan balance
Salary/dividend never optimised
£3,000–£8,000+ overpaid tax/NIC per year
Late filing penalty
£100 automatic; £900+ at 12 months; 5% surcharge on unpaid tax
Three steps. No back-and-forth.
Step 01: 20-minute discovery call
We confirm fit and walk through how this would work for your specific situation.
Step 02: Engagement and onboarding
Engagement letter, Direct Debit, and Compliance Vault™ setup — typically within 24 hours.
Step 03: Year-round delivery
Monthly numbers, tracked deadlines, advisory raised — plus an Annual Compliance Review every 12 months.
What you get from us — that other firms don't deliver structurally.
IR35 reviewed before signing
Every contract assessed. Determination written down. Defendable under enquiry.
Named accountant, no rotation
One name on every engagement. The two things contractors complain about most — solved structurally.
Standards in writing
WhatsApp typically under 30 minutes. Email within 1 working day. In your engagement letter.
Specialist depth
PSC, IR35, contractor self-assessment, expenses — proper expertise, not generalist guesswork.
Contractors — common questions.
Do I need an accountant as a contractor?
If you operate through a personal service company (PSC), you almost certainly do. PSC accounts, CT600, IR35 determinations, director self-assessment, dividend planning — it's complex enough that DIY usually costs more in errors than an accountant would charge. Our fees for contractors start at £150/month.
How much do contractor accountancy services cost?
From £150/month for contractors. This typically includes PSC annual accounts, CT600, director self-assessment, monthly bookkeeping, payroll for director salary, and IR35 reviews. Specifics agreed in writing after the discovery call.
What is IR35 and why does it matter?
IR35 (off-payroll working rules) determines whether you're genuinely self-employed or 'disguised employed' for tax purposes. If 'inside IR35' you pay tax and NIC as if employed — typically 25–35% more than outside. We review every contract before you sign and document the determination.
What's the most tax-efficient way to take money out of my PSC?
Typically a low salary at the NI primary threshold (£12,570) plus dividends within the basic-rate band, with pension contributions absorbing additional profit before corporation tax. We review the optimal split annually at your ACR.
Can I claim expenses for working from home?
Yes — within HMRC's rules. The simplest approach is HMRC's flat-rate working-from-home allowance (£6/week). A proportional claim of actual costs can be made if usage is significant. We confirm which approach applies on the discovery call.
What if I'm caught inside IR35 retrospectively?
Get in touch immediately — this is a Signal #1 situation. We respond to HMRC, gather contemporaneous evidence, and defend the historic position. Without good evidence, HMRC can apply 'best judgement' for up to 6 years of backdated tax + interest + penalties.
How fast do you respond on WhatsApp?
Typically under 30 minutes during business hours (Mon–Fri 9:30am–5:30pm). It's a published service standard in your engagement letter and reviewed annually at your ACR.
Can you handle a contract review the same day?
If you've got a contract to sign and need IR35 review urgently — yes, same working day typically. WhatsApp us the contract and we'll have a written determination within hours, not weeks.
Read more from our Resources Hub.
Book a 20-minute call.
We'll confirm whether we're a fit, and if we are, we'll tell you exactly what contractors would look like for your business.