Contractors accounting, handled.

Since April 2021, end clients in the private sector (medium and large) make the status determination, not you — but you still bear the risk of getting it wrong if you're working for a small client. We review your written contract against your actual working practices (control, substitution, mutuality of obligation) and give you a written opinion you can rely on if HMRC ever asks.

Often yes — outside-IR35 work, expenses, the 5% allowance on small-client engagements, and pension contributions still flow more efficiently through your PSC than an umbrella. But if every contract is inside IR35 and you have no expenses, an umbrella may net you more take-home. We'll do the comparison for your actual contract mix before you decide.

Most IT and professional contractors fall into the 'limited cost trader' category, which forces a 16.5% flat rate — at that level the scheme barely earns anything versus standard VAT. We check the maths each year against your real input VAT (laptops, software, training) and switch you off the scheme if standard accounting puts more in your pocket.

Yes, as long as the site is a temporary workplace — broadly, where you'll work for under 24 months. The moment you know the engagement will exceed 24 months at one location, the travel stops being claimable from that point forward, not from the 24-month mark. We track each contract's clock so you don't accidentally over-claim.

Most single-director PSC contractors run on our £199 Premium Plus plan — year-end accounts, Corporation Tax, Self-Assessment, VAT, monthly payroll, and IR35 contract reviews are all included. No setup fees, no exit fees, rolling monthly, 30-day money-back. Add-ons like incorporating a new company or extra directors are quoted upfront.