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 sole traders, partnerships and limited companies ACCA-qualified, cloud-based bookkeeping on Xero, QuickBooks, FreeAgent or Sage, reconciled monthly and ready for the new digital filing rules. Fixed monthly pricing from £99, a named accountant, and a 30-day money-back guarantee.
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 45p-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.
Your books are kept by ACCA-qualified accountants 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.
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.
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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.
Included in our Essentials plan from £99/month 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.
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.
