Year-end accounts
Your annual accounts prepared, checked and filed, whether you are a sole trader or a limited company.
Who we helpIndustry guide
The small business accountant who has your back.
Accounts, tax, VAT and payroll, handled by a small business accountant on one fixed monthly fee.
You went into business to do the work you love, not to wrestle with tax returns and filing deadlines. A good small business accountant takes the numbers off your plate, so you can get back to running the business. Whether you trade as a sole trader or through a limited company, we handle your accounts, tax, VAT and payroll, keep HMRC and Companies House happy, and tell you what you owe long before it is due. Book a call with an accountant who treats your business like their own, on one fixed monthly fee.
- 4.9 Google · 63 reviews
- CIMA-regulated
- 30-day money-back
The problem
Why Your Small Business Needs A Proper Accountant
When you run a small business, the numbers never really stop. There is a tax return each year, VAT once you cross the threshold, payroll if you take on staff, and a stack of deadlines behind all of it.
Plenty of accountants simply file whatever you send them once a year. By then the chance to plan your tax and tidy your records has already gone, and you are paying for a form-filling service, not advice.
A good small business accountant works ahead of the deadlines, not behind them. We know where small businesses overpay, we keep your records straight through the year, and we tell you what is coming before it lands. We do not just record your numbers. We help you keep more of them.
Tailored services
What Your Small Business Accountant Handles
01 02 Tax returns
Self Assessment or Corporation Tax worked out, filed on time, and the bill flagged months early.
03 Bookkeeping
Cloud bookkeeping kept current, with simple receipt capture, so your records build themselves through the year.
04 VAT
Registration at the right point, the best scheme for you, and returns filed under Making Tax Digital.
05 Payroll and pensions
PAYE, payslips, RTI to HMRC and pension auto-enrolment, all run for you each month.
06 A named accountant, all year
One qualified accountant who knows your business, answers your questions, and plans ahead rather than filing in a rush.
Your trading structure
Sole Trader Or Limited Company: Which Is Right?
One of the first questions every small business faces is how to trade: as a sole trader or through a limited company. It is not just paperwork. The choice changes how you are taxed, what you have to file, and how you pay yourself.
As a sole trader, you and the business are the same in law. It is simple to run, with one Self Assessment tax return a year, but you are personally liable for the debts. A limited company is a separate legal person, which can be more tax-efficient once your profits grow, but it comes with more filing and stricter rules.
There is no single right answer. The best structure depends on your profit, your plans and how much admin you want. We model both for your real numbers and tell you which one leaves more in your pocket, rather than defaulting to whatever is easiest to sell.
One fixed fee
What's Included In Your Fixed Monthly Fee
We do not bill by the hour or send a surprise invoice every time you call. You pay one fixed monthly fee, and you know exactly what it covers.
For most small businesses that means your year-end accounts, your tax return, bookkeeping support, VAT returns and payroll, all in one place, with a named accountant on the end of the phone.
- Year-end accounts and your tax return
- Bookkeeping setup and ongoing support
- VAT returns filed under Making Tax Digital
- Payroll, payslips and pension auto-enrolment
- Unlimited questions, answered within 72 hours
- Proactive tax planning, not a once-a-year scramble
If your needs are simple, you pay less. If you need the full set, it is still one predictable fee. See pricing for exactly what each plan includes.
Filing deadlines
The Deadlines We Keep Track Of
Miss a filing date and the penalty is automatic, whatever the reason. Keeping on top of the calendar is one of the main jobs your accountant does for you, and it is one we take off you completely.
Depending on how you trade, your year can include several separate deadlines, each with its own rules:
- Self Assessment: file and pay by 31 January after the tax year
- Corporation Tax: pay 9 months and 1 day after your year end, file within 12 months
- VAT: usually a return and payment every quarter
- Payroll: an RTI report to HMRC every time you pay staff
- Companies House: annual accounts and a confirmation statement each year
We map every one of these to your dates and file them for you, so the calendar is our problem, not yours.
Going digital
Making Tax Digital And Your Small Business
Making Tax Digital is HMRC moving tax online. It already applies to VAT, and from April 2026 it starts to apply to Self Assessment for sole traders and landlords with higher incomes, phased in over the following years.
In practice it means keeping your records digitally and sending HMRC regular updates through approved software, rather than one return at the end of the year. It is a real change to how you keep your books.
We get you on the right bookkeeping software now, so the switch is smooth rather than a scramble. You can read our plain-English guide to Making Tax Digital for Income Tax if you want the detail.
Day-to-day numbers
Bookkeeping And VAT, Done Properly
Good bookkeeping is the foundation everything else stands on. Clean, current records mean an accurate tax bill and a real-time view of what the business can afford.
We set you up on cloud software with simple receipt capture, so the records build through the year instead of in a panic at year end.
If your turnover crosses £90,000, you must register for VAT. We handle it: the right scheme, returns filed under Making Tax Digital, and the VAT you are owed claimed back. If you are close to the threshold, we tell you before you cross it.
Moving to us
Switching To A New Small Business Accountant
Unhappy with your current accountant, or paying for silence between filings? Switching is simpler than most owners expect, and you can move at any time of year.
We write to your old accountant for the handover, request your records, and register as your agent with HMRC. You sign one form and we take it from there.
You will not be left exposed during the move. We pick up your deadlines straight away, so nothing slips between the old accountant and the new one.
Simple, fixed fees
Fixed Monthly Pricing For Small Businesses
Most small businesses pay between £129 and £250 a month, with your accounts, tax return, bookkeeping, VAT and payroll included.
No hourly rates. No surprise bills at year end. One fixed fee, a named, qualified accountant who knows your business, and a 30-day money-back guarantee.
Essentials
Startups and small companies that need essential compliance and year-end support without VAT or payroll.
£129/month- Preparation of Company Year-End Financial Statements
- Year End Corporation Tax Computation
- Submission of CT600 to HMRC
- Statement of Account submissions to Companies House
Premium Plus
Growing businesses that need complete accounting services, VAT return management, and payroll handling.
£250/month- Everything in Essentials
- Quarterly VAT return calculation and submission
- Payroll and benefits management
Enterprise
Established businesses that want strategic mentoring, business planning, and a part-time finance director driving growth.
£499/month- Everything in Premium Plus
- Business mentoring
- Part-time finance director
- Business plan
Trusted by owners
What Our Clients Say.
I’ve had an excellent experience working with Zmartly. Harvey and the team are professional, responsive, and genuinely supportive. They explain things clearly, stay on top of deadlines, and always look for practical ways to save tax and improve…
land4 success (chill feel good)Verified Google review · 6 months agoI’ve used several accountants in the past, but hands down there is no one better than Harvey at Zmartly. He really understands exactly what advice you’re looking for and explains everything clearly and professionally. Nothing ever feels rushed…
HeenaVerified Google review · 4 months agoI started working with Zmartly Accountants after having serious issues with my previous accounting firm. They were missing deadlines, incorrectly calculating VAT, constantly late, and extremely difficult and frustrating to communicate with. Switching to Zmartly was a huge…
Jorge Carballo GomezVerified Google review · 5 months agoI've had a terrible experience with multiple accountants. Zmartly have been incredible. If you do ecommerce / Amazon FBA you definitely need to go with someone who understands the complexities with it. Thanks to Harvey and his amazing…
Sean BarringtonVerified Google review · 6 months agoIts not easy to find accountants who understand ecommerce especially Amazon and these guys know Amazon very well. Always helps us with advice if they spot something we incorrectly. Super easy to speak with someone if you have…
Darius JaselskisVerified Google review · 6 months agoI’ve had an excellent experience working with Zmartly. Harvey and the team are professional, responsive, and genuinely supportive. They explain things clearly, stay on top of deadlines, and always look for practical ways to save tax and improve…
land4 success (chill feel good)Verified Google review · 6 months agoI’ve used several accountants in the past, but hands down there is no one better than Harvey at Zmartly. He really understands exactly what advice you’re looking for and explains everything clearly and professionally. Nothing ever feels rushed…
HeenaVerified Google review · 4 months agoI started working with Zmartly Accountants after having serious issues with my previous accounting firm. They were missing deadlines, incorrectly calculating VAT, constantly late, and extremely difficult and frustrating to communicate with. Switching to Zmartly was a huge…
Jorge Carballo GomezVerified Google review · 5 months agoI've had a terrible experience with multiple accountants. Zmartly have been incredible. If you do ecommerce / Amazon FBA you definitely need to go with someone who understands the complexities with it. Thanks to Harvey and his amazing…
Sean BarringtonVerified Google review · 6 months agoIts not easy to find accountants who understand ecommerce especially Amazon and these guys know Amazon very well. Always helps us with advice if they spot something we incorrectly. Super easy to speak with someone if you have…
Darius JaselskisVerified Google review · 6 months ago
4.9
Google · based on 63 reviewsCommon questions
Frequently Asked Questions
Our fixed monthly plans are £129, £250 or £499 depending on what you need, with your accounts, tax return, bookkeeping, VAT and payroll included. There are no hourly rates and no surprise bills at year end. Most small businesses sit on one of the lower two plans, and you can move up or down as the business changes. It is a rolling monthly agreement with a 30-day money-back guarantee.
You are allowed to do your own books and file your own return, but most owners find an accountant pays for itself. We make sure you claim every allowance and expense you are due, keep you the right side of every HMRC and Companies House deadline, and free up the hours you would otherwise spend on admin. For most small businesses the tax we save and the penalties we avoid more than cover the fee.
You must register once your VAT-taxable turnover goes over £90,000 in any rolling 12 months, or if you expect to cross it in the next 30 days. You can also register voluntarily below that if it suits you, for example to reclaim VAT on costs. We watch your turnover, tell you before you reach the threshold, and pick the scheme, standard, cash accounting or Flat Rate, that leaves you best off.
It depends on your profit, your plans and how much admin you are happy with. A sole trader setup is simpler, with one Self Assessment return a year, but you are personally liable for the debts. A limited company can be more tax-efficient once profits grow, but it means more filing and stricter rules. We model both on your real numbers and tell you which one actually leaves more in your pocket.
Making Tax Digital is HMRC's move to online tax. It already applies to VAT-registered businesses, who must keep digital records and file through approved software. From April 2026 it begins to apply to Self Assessment for sole traders and landlords with higher incomes, phased in over the following years. We get you on compatible software now so the change is smooth rather than a last-minute scramble.
Yes, you can move accountant at any time. We write to your current accountant for the handover, request your records and register as your agent with HMRC. You sign one form and we take it from there. We pick up your deadlines straight away, so nothing slips between the old accountant and the new one.
Yes. We work with Xero, QuickBooks, FreeAgent and Sage, so you keep the setup you already have. You get a named, qualified accountant, replies within 72 hours, fixed monthly pricing at £129, £250 or £499 with no surprise bills, a rolling monthly agreement and a 30-day money-back guarantee.
Tax guides worth a read
Plain-English explainers, kept current with the latest HMRC rules.
Stop guessing. Stop overpaying. Let's sort your tax once and for all.
Zmartly Ltd · 12 Hammersmith Grove, London W6 7AP · 020 8175 5145 · [email protected]
ICAEW, ACCA and AAT qualified accountants.
Further reading