Clean books, real-time numbers, and a named accountant who actually answers.
Bookkeeping is the foundation every other tax decision rests on, get it wrong and your VAT, payroll and year-end accounts all inherit the error. Zmartly gives UK small businesses, sole traders, contractors, landlords and limited companies cloud-based bookkeeping services on Xero, QuickBooks, FreeAgent or Sage, reconciled monthly and ready for Making Tax Digital. Your books are kept by qualified accountants (ACMA, CGMA, ACCA, FCCA). Whether you need bookkeeping services in London or anywhere in the UK, you get fixed monthly pricing from £99, a named accountant, and a 30-day money-back guarantee.
Get a bookkeeping services quote
We reconcile every business account, card and feed against your bank, code each transaction to the right nominal, and chase the items that don't match. Reconciled books mean your VAT return and year-end accounts start from numbers you can trust, not a year-end clean-up scramble.
Making Tax Digital for Income Tax (MTD ITSA) starts in April 2026 for sole traders and landlords with qualifying income over £50,000, requiring digital records and quarterly updates. We keep your records in compatible software with the digital links HMRC demands, so there's no last-minute migration off spreadsheets.
We track your rolling 12-month turnover against the £90,000 VAT registration threshold (and the £88,000 deregistration threshold), apply the correct VAT treatment per transaction, and flag the right scheme, standard, cash accounting or flat rate, so registration never catches you out and reclaims aren't missed.
Purchase and sales ledgers kept current: supplier bills logged, customer invoices raised and aged-debtor reports reviewed so you know who owes you and what's due. Tidy ledgers protect cash flow and stop duplicate or missed payments.
We capture allowable expenses correctly, including the 55p-per-mile approved rate for the first 10,000 business miles (25p thereafter), and apply the £1,000 trading allowance where it beats actual costs. Catching these at source means you don't overpay tax at year-end.
Monthly or quarterly P&L, balance sheet and cash-flow snapshots so you're not flying blind, plus a clean trial balance handed straight to your accounts and tax team. Good bookkeeping turns year-end from a panic into a formality.
Tidy, accurate books and a Self Assessment that looks after itself.
Director-ready records, with Companies House and Corporation Tax kept on track.
Small business bookkeeping services that scale as you grow, with numbers you can plan from.
Light-touch bookkeeping that fits irregular income, including a freelance bookkeeper option for those who need only a few days a month.
Ecommerce bookkeeping services that reconcile sales, fees and VAT across Shopify, Amazon and Stripe.
Rental income, expenses and allowances recorded the right way.
Doing your own books eats hours you could spend running the business, and hiring in-house means a salary, pension and software bill before anyone has reconciled a thing. Outsourced bookkeeping services give you the same expertise without the overhead.
Outsourced online bookkeeping services give you a qualified team for a fixed monthly fee, with your records kept in the cloud and up to date in real time. Every VAT, MTD and HMRC deadline is tracked for you, so you always know where the business stands and nothing slips through.
Behind on your books? That is one of the most common reasons people call us. We will not judge the state of them. We will just bring them current and keep them that way.
See also: bookkeeping and payroll servicesVAT and MTD returns
Your books are kept by qualified accountants (ACMA, CGMA, ACCA, FCCA) who spot the tax issues a generic bookkeeper misses, VAT scheme choices, allowable vs disallowable spend, and the records HMRC will want to see if they ask.
You get one named point of contact who knows your business, not a ticket queue. We reply to every query within 72 hours, so a quick question never stalls your month.
Plans at £99, £199 and £499 a month with no hourly surprises and no charge for picking up the phone. You know exactly what bookkeeping costs before you commit.
No long tie-ins. Our service is rolling monthly and backed by a 30-day money-back guarantee, so you stay because the work is good, not because you're locked in.
We work in Xero, QuickBooks, FreeAgent and Sage, whichever you already use, or we'll recommend and set up the right one. Your data stays yours and stays in the cloud, accessible whenever you need it.
Our bookkeeping services run on the software you already use, so there is no need to switch. All four are ready for Making Tax Digital.
| Software | Best for |
|---|---|
| Xero | Most service businesses. Clean bank feeds, simple to use. |
| QuickBooks | Product and stock businesses. Strong inventory tracking. |
| FreeAgent | Contractors and freelancers. Often free with a business bank account. |
| Sage | Established firms with existing Sage reporting. |
See also: monthly management accounts
The thresholds and rates we keep an eye on for you, so nothing catches you out.
| What | Figure |
|---|---|
| VAT registration | Sales over £90,000 (rolling 12 months) |
| VAT deregistration | Sales below £88,000 |
| MTD for Income Tax | From April 2026, qualifying income over £50,000 |
| Mileage (cars and vans) | 55p first 10,000 miles, then 25p |
| Trading allowance | £1,000 |
See also: Self Assessment tax returns
Understanding your business needs.
Crafting your custom accounting strategy.
Quick and easy integration.
Consistent monitoring and reporting.
Year-end accounts filed with Companies House and HMRC inside 5 business days.
Read moreMonthly P&L, balance sheet, and KPI dashboards, board-pack ready.
Read moreGroup consolidations for parent companies with subsidiaries, UK and international.
Read more
We work in Xero, QuickBooks Online, FreeAgent, and Sage, your existing setup, not ours. If you don't have one yet, we'll recommend based on volume, sector, and integrations (Xero for most service businesses, QuickBooks for product/inventory, FreeAgent for contractors, Sage for legacy reporting needs). All four are MTD-compliant and we license at our cost if needed.
Bank feeds reconcile daily, full categorisation happens weekly for transactional businesses or monthly for lower-volume ones. You always see a month-end pack within 10 working days of month close, P&L, balance sheet, and any items needing your input. Quarterly VAT and year-end are then a non-event because the records are already clean.
No. We use Dext or Hubdoc to capture receipts via phone photo, email forwarding, or supplier auto-fetch, the system OCRs and posts straight to your accounts. Bank feeds cover most payment-side data automatically. You only need to forward genuinely unusual items. Most clients spend under 15 minutes a week on bookkeeping admin once we're set up.
Our bookkeeping services start at £99 a month on the Essentials plan for sole traders with low transaction volume, scaling with the number of bank transactions and VAT complexity through Premium (£199) and Premium Plus. We quote per-month, not per-hour, so you always know the bill. No long contracts, rolling monthly with a 30-day money-back guarantee on the first month.
Yes. We do catch-up and rescue projects regularly, typically a fixed-fee one-off to bring everything current, then onto a normal monthly plan. We've untangled everything from 18 months of unreconciled Stripe transactions to dual-entry errors in inherited Sage files. The catch-up fee is quoted after a free 30-minute review of the current state.
Most small businesses need both, and with us they come together. Bookkeeping is the day-to-day work of recording and reconciling every transaction, so your numbers are always right. Accounting builds on those records to file your accounts and tax and to plan ahead. At Zmartly a dedicated bookkeeper keeps the books clean, and a qualified accountant (ACMA, CGMA, ACCA, FCCA) checks the work and watches for tax issues. One firm, one bill.
You can, and plenty do at the start. The trouble comes when the spreadsheet falls behind, a VAT deadline sneaks up, or you are not sure what you can claim. From April 2026, Making Tax Digital for Income Tax also means spreadsheets alone will not meet the rules for many sole traders and landlords with income over £50,000. We take the job off your plate for a fixed fee, so you get the time back and the peace of mind.
Yes. We are a UK firm with a registered office in London, and our online bookkeeping services are cloud-based, so we look after clients across London and the rest of the UK in exactly the same way. There is no need to be local, your books, bank feeds and reports all live online.
Thirty minutes with an ACCA-qualified accountant. Most owners uncover £1,000-£3,000 in annual savings on the first call. If we are not the right fit, you walk away with a free tax review on the house.
