Who we helpIndustry guide

The accountant for startups who speaks founder and investor.

Company formation, SEIS/EIS advance assurance, R&D claims and investor-ready numbers, handled by a startup accountant before the term sheet arrives.

You are building a company, not deciphering HMRC. Most founders only think about accounting when an investor’s due-diligence list lands, and by then the easy wins are often gone: the share structure that would have qualified for relief, the advance assurance that makes a raise simple, the R&D records nobody kept. A good accountant for startups works the other way round. We get your [limited company](/for/limited-companies) set up correctly from day one, line up the reliefs that bring investors to the table, and turn your bookkeeping into numbers a board will actually read. Book a call with a startup accountant who has done this from pre-seed through to a priced round, on one fixed monthly fee.

  • 4.9 Google · 63 reviews
  • ACCA-qualified
  • 30-day money-back
ACCA-qualified accountant reviewing financials
The problem

Why a Generic Accountant Holds Startups Back

Most accountants are built to file last year’s accounts for an established business. They are excellent at looking backwards and almost useless at the questions a founder actually has.

Can my company qualify for SEIS before I raise? Is this work an R&D claim? Should my early hires get options or shares? Will my numbers survive an investor’s due diligence? A backward-looking accountant has no answer, so founders make these calls alone, and the expensive mistakes only surface later.

A specialist accountant for startups works in the present and the near future. We know which decisions at incorporation decide what you can claim in two years, because we have walked founders through it from first share to first term sheet before.

Tailored services

What Your Startup Accountant Handles

  • 01

    Company formation done right

    Incorporation, founder shares issued at the start, a clean cap table and the registrations a startup needs, set up so reliefs stay open rather than closed off later.

  • 02

    SEIS and EIS advance assurance

    We confirm your company and trade qualify, secure advance assurance from HMRC before you raise, then file the compliance paperwork so investors get their certificates without drama.

  • 03

    R&D tax relief claims

    We separate genuine technical advances from routine development, document the project narrative, and submit a claim built to survive the closer scrutiny HMRC now applies.

  • 04

    EMI and employee share options

    Share options are how startups reward a team they cannot yet pay in cash. We set the scheme up, arrange the valuation and handle the filing so the tax advantages actually stick.

  • 05

    Investor-ready management accounts

    Monthly numbers built around the metrics a seed or Series A investor asks for: cash, runway, burn, recurring revenue and margin, in a board-pack format from day one.

  • 06

    VAT, Corporation Tax and software

    We watch your VAT position, file your Corporation Tax, and get your accounting software set up clean so the numbers behind every claim and every board pack hold up.

Getting set up

Set Up Right, Not Just Set Up Fast

You can incorporate a company online in an afternoon, and plenty of founders do. The problem is not forming the company. It is forming it in a way that quietly closes doors you will want open later.

The share structure you choose, how and when founder shares are issued, and the trade you register all feed into whether you can later claim investor reliefs or grant tax-advantaged options. Get them wrong early and the fix can be costly, or impossible.

We set your limited company up around where you are heading, not just where you are today: a clean cap table, founder shares in place from the start, and the registrations and records an investor will eventually want to see.

It is the least glamorous part of working with a startup accountant, and the part that saves founders the most money down the line.

Raising investment

SEIS and EIS: Make Your Raise an Easy Yes

The Seed Enterprise Investment Scheme and the Enterprise Investment Scheme give your investors generous tax relief for backing an early-stage company. For an angel weighing up your round against ten others, that relief is often what tips the decision.

But the relief is the investor’s, not yours, and it only exists if your company qualifies and the paperwork is right. The trade has to be eligible, the company has to be within the scheme’s limits, and the money has to be used the way the rules require.

The single most useful thing here is advance assurance: a letter from HMRC, secured before you pitch, indicating your company should qualify. It turns a nervous conversation into a confident one, because your investors can see the relief is real.

We confirm you qualify, secure the advance assurance, then handle the compliance statements after the round so your investors actually receive the certificates they need to claim. Get the share class, the timing or the trade wrong, and the relief can be lost entirely, which is exactly why a startup accountant earns their fee here.

R&D tax relief

R&D Tax Relief: Turning the Hard Bits Into Runway

If your startup is wrestling with a genuine technical problem, where the answer was not obvious to a competent professional in the field, the work behind it may qualify for R&D tax relief. For a young company, that can mean real money back to extend your runway.

It does not have to be people in lab coats. Building something that does not exist yet, solving performance or scaling problems with no off-the-shelf answer, integrating systems in ways nobody has documented; these are the everyday realities of a startup, and they are often where qualifying R&D lives.

The catch is that the relief has tightened, and HMRC now scrutinises claims far harder than it used to. A vague claim, or one that dresses up routine development as innovation, invites questions you do not want during a raise.

We scope the genuinely qualifying activity, separate it cleanly from the routine build, and write the technical narrative HMRC now expects, so your claim holds up rather than triggering an enquiry. We describe how the scheme works for your specific situation in plain English, without you needing to learn the rulebook.

Paying yourself

Paying the Founders, and the First Hires

Once you have a limited company, how you take money out of it matters. You pay Corporation Tax on profit, then most founders take a modest salary topped up with dividends, which is usually more efficient than salary alone, though the right mix depends entirely on your numbers and what the company can afford while it is still burning cash.

We run your payroll so your salary and any early employees are paid properly through PAYE, and we plan the salary-and-dividend balance around your runway rather than a textbook.

For the team you cannot yet pay full market salaries, equity is the answer, and share options are usually the smart way to grant it. A well-run EMI option scheme lets you reward key hires tax-efficiently and tie them to the upside they are helping to build. We set the scheme up, arrange the valuation and handle the filings so the tax advantages actually hold.

Investor-ready numbers

Numbers That Survive Due Diligence

When you raise, an investor will ask for your numbers, and the gap between a clean board pack and a shoebox of receipts can be the gap between a yes and a polite no.

We set up your bookkeeping properly from the start, so every month closes on time and the figures are accurate rather than approximate. That is the foundation everything else sits on.

On top of it we produce management accounts built around the metrics investors care about: how much cash you have, how fast you are spending it, how many months of runway that leaves, and how your recurring revenue and margins are moving. You should know your burn and runway to the month, not guess at them.

We also keep you fluent in your own cap table, so when a round comes you understand exactly how new money and option pools dilute the founders, before you sign anything.

Compliance and tooling

VAT, Filings and Choosing the Right Software

Growth brings deadlines. As your sales climb you have to watch your VAT position and register at the right moment, no earlier and no later, and we handle your VAT registration and returns so it is one less thing on your plate.

Your company also owes Corporation Tax on its profits and has accounts to file at Companies House each year. We keep every statutory deadline tracked and filed, so a missed return never turns into a penalty during a fundraise.

Underneath all of it is your accounting software. We help you choose a tool that fits a startup, connect it to your bank, and set it up so your bookkeeping, claims and board reporting all draw from one clean source of truth, rather than three spreadsheets that disagree.

Simple, fixed fees

Fixed Monthly Pricing for Startups

Most early-stage startups pay between £99 and £199 a month, with project work like an SEIS/EIS application or an R&D claim scoped and priced up front so it never appears as a surprise on your statement.

No hourly rates and no January shocks. One fixed fee, a named, qualified accountant who understands raising and runway, and a 30-day money-back guarantee.

  • Essentials

    Startups and small companies that need essential compliance and year-end support without VAT or payroll.

    £99/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.

    £199/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 founders

What Our Clients Say.

  1. I’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…
    Google reviewer Heena
    HeenaVerified Google review · 4 months ago
  2. 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…
    Google reviewer land4 success (chill feel good)
    land4 success (chill feel good)Verified Google review · 5 months ago
  3. I 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…
    Google reviewer Jorge Carballo Gomez
    Jorge Carballo GomezVerified Google review · 5 months ago
  4. Great proactive service always up to date regarding accounting legislation. Harvey and Team will be always helping you with advise how to make your books look good. Already over 4 years using their service very happy.
    Google reviewer Auris Property Academy
    Auris Property AcademyVerified Google review · 8 months ago
  5. I'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…
    Google reviewer Sean Barrington
    Sean BarringtonVerified Google review · 5 months ago
  6. I’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…
    Google reviewer Heena
    HeenaVerified Google review · 4 months ago
  7. 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…
    Google reviewer land4 success (chill feel good)
    land4 success (chill feel good)Verified Google review · 5 months ago
  8. I 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…
    Google reviewer Jorge Carballo Gomez
    Jorge Carballo GomezVerified Google review · 5 months ago
  9. Great proactive service always up to date regarding accounting legislation. Harvey and Team will be always helping you with advise how to make your books look good. Already over 4 years using their service very happy.
    Google reviewer Auris Property Academy
    Auris Property AcademyVerified Google review · 8 months ago
  10. I'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…
    Google reviewer Sean Barrington
    Sean BarringtonVerified Google review · 5 months ago
4.9
Google · based on 63 reviews
Common questions

Frequently Asked Questions

We help you raise money cleanly (SEIS/EIS advance assurance), reward your team (EMI options), recover cash (R&D relief), and get the structural decisions right, VAT registration timing, Corporation Tax, payroll and bookkeeping in Xero, QuickBooks, FreeAgent or Sage. The aim is to keep the tax efficient and HMRC-compliant while you build, not just to tidy up after year-end.

Registration is compulsory once your taxable turnover exceeds £90,000 in any rolling 12 months, or if you expect to cross it in the next 30 days; the deregistration threshold is £88,000. Some startups register voluntarily earlier to reclaim input VAT. If you sell online or through marketplaces, separate 'deemed supplier' and £135 import rules can apply, so it's worth checking before you assume you're below the line.

Yes, they're different reliefs doing different jobs. SEIS/EIS gives your investors income-tax and CGT relief on the shares they buy; R&D relief reduces your company's own tax bill or pays out a credit on qualifying innovation. Many of our startup clients use both. We just make sure grant funding and the schemes interact correctly, as some grants can reduce an R&D claim.

They're highly tax-advantaged, not entirely tax-free. There's normally no income tax on grant or on exercise (where options are granted at market value), and the eventual gain is taxed under Capital Gains Tax rather than as income. From 6 April 2026 more companies qualify as the limits expand. The valuation, the agreement and the EMI notification to HMRC all have to be done correctly for the reliefs to hold, that's the part we handle.

Maybe. Platforms now report sellers to HMRC at 30+ sales or about £1,700 a year, but being reported isn't the same as owing tax. Selling your own used items usually isn't trading; buying to resell or making things to sell for profit usually is. If your trading income before expenses tops the £1,000 trading allowance, you need to register for Self Assessment. We'll tell you which side of the line you're on.

Without it, contractors deduct CIS tax (20% registered, 30% unregistered) from your payments, hurting cash flow. With gross payment status you're paid in full and settle tax later. To qualify you generally need net construction turnover of at least £30,000 (multiplied per partner or director) plus a clean compliance record. For most growing subcontractors it's well worth applying, we handle the application and ongoing monthly returns.

Fixed monthly pricing at £99, £199 or £499 depending on the support you need, on a rolling monthly basis with no long lock-in, and a 30-day money-back guarantee. You get a named, qualified accountant and a reply within 72 hours. We work in Xero, QuickBooks, FreeAgent and Sage, so we fit around the tools you already use.

Stop guessing. Stop overpaying. Let's sort your tax once and for all.

Zmartly Ltd · 20–22 Wenlock Road, London N1 7GU · 020 8175 5145 · info@zmartly.co.uk

ICAEW, ACCA and AAT qualified accountants.