Overview

The complete finance function, without a full-time hire.

Small business accountants for firms with 5 to 50 employees run the whole finance function rather than a single task: daily bookkeeping, monthly payroll, quarterly VAT, monthly management accounts and the statutory year end. At that size the alternative is a part-time bookkeeper plus a separate year-end firm, and the handover between them is where errors live.

There's a stretch where small businesses outgrow part-time bookkeeping but can't justify hiring a full-time financial controller. Revenue is past £500k. Headcount is 5–50. Payroll, VAT, year-end accounts and management reporting are increasingly demanding work, and your existing setup (founder doing books, junior bookkeeper, or aging local firm) starts creaking.

We're built for that stretch. A full finance function on a fixed monthly retainer: daily bookkeeping, monthly payroll, quarterly VAT, monthly management accounts, year-end statutory accounts and Corporation Tax, plus strategic finance support when you need it. One engagement, one team, one fee.

Our small-business clients span sectors: professional services, manufacturing, hospitality, retail, e-commerce, healthcare practices, creative agencies. The mechanics shift by sector but the standard stays the same: 5-day month-end, 4-hour query response, no surprise invoices.

Why us

Why small businesses choose us.

Better than a high-street firm. Cheaper than hiring in-house.

01

One team, complete scope

Bookkeeping, payroll, tax, management accounts, year-end: all under one engagement. No coordinating between three providers.

02

5-day month-end SLA

Books closed and reports delivered by the 5th business day every month. Contracted, not aspirational.

03

4-hour query response

During your business hours. You speak to a qualified accountant, not a service desk.

04

Fixed monthly fee

From £400/month for typical small-business scope. No hourly surprises.

The compliance calendar

What does a UK limited company actually have to file each year?

Six obligations, on four different clocks. Annual accounts go to Companies House within nine months of the accounting reference date, and the rules for a company's first set are different again, as set out in the guidance on annual accounts. The confirmation statement is a separate annual filing about the company itself rather than its finances, explained in filing your company's confirmation statement. The Corporation Tax return is due twelve months after the period end, but the tax itself is payable nine months and one day after it, so the payment falls due three months before the return.

On top of that sit the recurring filings. VAT returns are quarterly for most companies and must be filed from digital records under Making Tax Digital for VAT. Payroll is reported to HMRC on or before each payday under Real Time Information, with the wider rules collected under PAYE detailed information. Benefits in kind are reported after the tax year ends, and pension auto-enrolment brings a re-declaration of compliance on its own three-year cycle. Miss any of them and the penalty is automatic rather than discretionary.

The failure sequence at this size is predictable and always runs in the same order. The bank feed stops being reconciled, usually during a busy quarter. Two months later the VAT return is filed from an unreconciled ledger, so it is wrong but nobody knows. Payroll journals go unposted, so the wage cost in the management accounts is whatever left the bank rather than what was earned. By the year end the accountant is rebuilding nine months of coding, the accounts land late, and the Corporation Tax payment date has already passed. Catching it at step one costs a morning. Catching it at step four costs a restatement, and that is the work described on our catch-up bookkeeping service page.

What we do differently at 5 to 50 employees is refuse the split. One team owns the bookkeeping, the payroll and the year end, so there is no handover and no version of the ledger that only one party trusts. Reporting is described on our monthly management accounts page, and pricing by size is on our fixed-fee pricing page. If you are still deciding what level of support you need, our bookkeeper vs accountant comparison sets out what each role delivers, what each costs, and the monthly reporting role that sits between them. Owners comparing scope rather than price should start from our full list of accounting services, which lists each service by what it delivers month to month. Practical write-ups on the filings above are on the Accountaire blog.

The filing year

What a UK limited company files, when, and to whom

Six obligations on four different clocks. Note that the Corporation Tax payment falls due three months before the return that calculates it, which is the one that catches people out.

What a UK limited company files, when, and to whom
ObligationFiled withDueIf it is late
Annual accountsCompanies HouseNine months after the accounting reference date, with a longer window for a first set£150 rising to £1,500, and doubled where the previous year was also late
Corporation Tax paymentHMRCNine months and one day after the year endInterest runs from the due date
Company Tax Return, the CT600HMRCTwelve months after the year end£100, rising the longer it stays outstanding
Confirmation statementCompanies HouseAt least once every 12 months, within 14 days of the review period endingAn offence by the directors, and a route to the strike-off list
VAT return and paymentHMRCOne calendar month and seven days after the period endA late submission point, then a £200 charge once the threshold is reached
PAYE under Real Time InformationHMRCA Full Payment Submission on or before payday, with payment by the 22nd of the following tax month electronicallyLate filing and late payment penalties, both charged on a scale
What we handle

Everything an established small business needs.

A complete finance function, billed monthly.

  • Daily cloud bookkeeping Xero or QuickBooks. Bank feeds, receipt capture, AP/AR management. Books closed by the 5th business day every month.
  • Monthly payroll Up to 50 employees on the Professional tier. PAYE/NI, pension auto-enrolment, payslip distribution, RTI filings.
  • Quarterly VAT (UK MTD)Filed via HMRC Agent gateway. Flat-rate, cash-accounting and partial-exemption schemes supported.
  • Monthly management accounts Board-ready P&L, balance sheet, cash flow, variance analysis with written commentary.
  • Year-end statutory accounts FRS 102 or Section 1A accounts prepared and filed at Companies House within nine months.
  • Corporation Tax (CT600)Annual return filed within twelve months of year-end. Marginal relief calculated. Payments-on-account scheduled.
  • Strategic finance support Pricing analysis, hiring scenarios, cash flow forecasting, business decisions backed by analysis.
  • Dedicated lead accountant A named ACCA-qualified accountant who knows your business, not a service desk.
"Switched from a high-street firm that took six weeks to close the month. Accountaire delivers by the 5th, handles all our payroll, VAT, year-end, and the management reporting actually drives decisions now."
O
Owner · Creative agency14 staff · Manchester

What small business accountants are asked at the first call.

How does your service compare to a high-street firm?
The honest version includes where we are the wrong answer. A business still working from paper records and a cash drawer gets little from a cloud stack, and anyone needing an audit opinion needs a registered audit firm whatever else changes. Where we differ is cadence. You get a monthly close and numbers you can still act on, instead of one conversation a year about a period that has already closed.
Do you handle our year-end audit?
Statutory audit starts at turnover above £15m or a balance sheet total above £7.5m for accounting periods beginning on or after 6 April 2025, up from £10.2m and £5.1m, which still govern periods that began earlier. If you are over the line we prepare you and coordinate with a licensed audit firm. If audit is voluntary or not required, we handle the statutory accounts directly.
Can you take over from our current accountant?
Yes. We handle the full transition. Records request from outgoing accountant, software setup, opening-balance reconciliation, parallel running for a month if needed. Most transitions complete in 30 days.
What if my business is regulated (financial services, healthcare)?
Common. We work with FCA-regulated firms, dental and medical practices, legal firms (SRA-regulated) and others. Sector-specific compliance requirements are within scope.
Do you handle group structures?
Multi-entity groups (UK + overseas subsidiaries, parent-child structures, JVs) are within scope on the Enterprise tier. Consolidation is handled in IFRS or FRS 102 as appropriate.
What changes when we cross about ten employees?
Payroll stops being a monthly formality and starts driving cash. Pension auto-enrolment assessment runs every pay period, statutory pay claims appear, and the wage cost becomes the largest single line in the accounts. At that point monthly management accounts stop being a nice-to-have, because a two-point move in payroll as a share of revenue is worth more than most of the savings elsewhere.
Do we still need a bookkeeper if you do the year end?
Keeping both is the most common source of error we see. When the bookkeeping and the statutory accounts sit with different firms, adjustments made at the year end are rarely posted back into the live ledger, so the following year opens from a set of balances the bookkeeper does not recognise. We run both from one ledger, which is why the year end takes days rather than months.
Recommended services

Commonly added at this size.

REPORTING

Management accounts

The monthly board-ready pack.

Explore
CORE

Payroll

Full UK payroll with auto-enrolment.

Explore
ADVISORY

CFO-as-a-Service

Strategic finance when you outgrow part-time advisory.

Explore
CLEAN-UP

Catch-up bookkeeping

For companies arriving with several months of unreconciled ledger.

Explore
MARKET

UK accounting and HMRC filings

The full UK compliance calendar we run against.

Explore
For SME owners

Want a complete finance function?

Thirty minutes to scope your current setup. Fixed-fee proposal within 24 hours.