Umbrella vs Ltd
the comparison you need.
Milton Keynes Chartered Accountants for freelancers and contractors.
Fastest way freelancers earn more? Fix the accounting and tax.
You’re delivering the work, chasing the invoices and doing the admin, all at once. We take the numbers off your plate, cut the tax, and steady the cashflow.
Same day responsesNo jargonDedicated accountantNo missed deadlines
Your freelancer business
Running properly, not just running
Tax, IR35, cashflow — all handled
IR35 status
Reviewed
Contract by contract
Expenses
Maximised
Kit, software, travel, home office
Take-home pay
Optimised
The right structure for your rates
Next Step
Tax review
Booked
Pensions
a big tax lever for contractors to pull.
£1,000s
in expenses many freelancers miss.
Ltd or sole trader
we'll do the maths, not guess.
IR35 is decided by the facts, not by you.
Your status comes from the reality of the working relationship. Well-drafted contracts that match that reality protect you if HMRC ever looks.
Getting the IR35 status right matters either way.
Inside or outside, an accurate determination and clean records mean no nasty reassessment later.
If it's solely for the business, you can claim it.
Software, equipment, travel, professional subs, a proportion of home costs. Many freelancers claim a fraction of what they're entitled to.
Your structure decides your take-home.
Sole trader, limited company or umbrella. The right answer depends on your rates and your contracts, and it changes as you grow.
Who we help
Freelancers and contractorsthat we help.
Working for yourself, project to project? You're in the right place.
IT contractors, engineers, healthcare professionals, oil and gas contractors, media and entertainment freelancers, public sector contractors. Whatever the field, the tax questions are the same.
What nobody tells you
The freelancer and contractor realitiesnobody warns you about
Freelancing is a constant balancing act. Great work on one side, clients, fiancnes and admin on the other, and nobody to hand any of it to. Most people never see that load. We do.
You're doing every job at once.
Delivering the work, chasing invoices, pitching the next one, hitting deadlines. No backup, no handover.
Your income is up and down.
Busy months carry you. Quiet months bite. That makes tax and cashflow planning harder, not optional.
Every missed expense is tax you didn't need to pay.
Software, travel, equipment, home office costs and many more. Miss them and you're handing HMRC money for nothing.
Clients pay late, or vanish.
You need systems that keep cashflow steady when other people don't hold up their end.
You're not sure you have the right business model.
Sole trader, Ltd, umbrella. Most freelancers pick one early and never revisit it, even as their rates change.
Growth comes from better numbers, not longer hours.
Raising rates, hiring help, outsourcing. Every one of those decisions needs financial clarity you can act on.
Problems?
You shouldn't still beputting upwith these.
If any of these sound familiar, it may be time for a better accountancy setup.
0Tap the cards below as they apply
What you get
Everything a small business owner needs — under one roof.
Compliance handled, advice on tap, one firm that knows your whole position.
Essentials
Accounts, tax returns, bookkeeping, VAT and payroll, — the core work done properly, on time, every time.
Tax Protection & Planning
Proactive planning to minimise tax, tax enquiry fee protection available and dealing with HMRC so you don't have to.
Growth & Strategy
Regular numbers and practical advice on profit, pricing, margins, cashflow and the decisions that actually move the needle.
Perks & Bonuses
Extras to make life easier — such as free company formation, free mortgage references, independent legal advice lines & even free movie tickets (Conditions in FAQs)
Personal & Family Wealth
Inheritance tax and estate planning, plus a referral to a regulated IFA for anything investment-related.
Client Care
A dedicated accountant you can actually reach — clear replies, no minimum contract, deadline reminders, and someone who knows your business.
easyCHANGE service
Switching accountant iseasierthan you think.
Worried about the hassle? Don't be. You don't have to lift a finger or have an awkward conversation with your old accountant.
- 3simple steps
- 1short form from you
- £0switch fee
- You say yes One short form and a quick chat to get going.
- We handle the handover We handle the professional clearance process and request the information we need from your existing accountant.
- We get you set up Software, deadlines and your first numbers, usually within weeks.
Reassurance
No gap in your filings. No lost records. No awkward conversations — we do that bit.
Free review of your previous accountants’ work
We’ll dig into last year’s accounts and tax. If we spot major issues, overclaimed or underclaimed items or potential savings, we’ll explain them clearly — and help put things right.
Pricing calculator
Fixed-fee packages that grow with you.
Get an instant tailored estimate in under 60 seconds.
Your business
To give an idea of the level of tax advice required.
If unsure please select AVERAGE.
Core
Best for simple businesses to stay compliant.
£0/mo
Accounts & Tax
Most popular Growth
Best for ambitious businesses that want advice and priority.
£0/mo
Everything in CORE plus…
Advisory
Best for growing businesses that want regular support.
£0/mo
Everything in GROWTH plus…
Core
Best for simple businesses to stay compliant.
£0/mo
Accounts & Tax
Most popular Growth
Best for ambitious businesses that want advice and priority.
£0/mo
Everything in CORE plus…
Advisory
Best for growing businesses that want regular support.
£0/mo
Everything in GROWTH plus…
Core
Best for simple businesses to stay compliant.
£0/mo
Accounts & Tax
Most popular Growth
Best for ambitious businesses that want advice and priority.
£0/mo
Everything in CORE plus…
Advisory
Best for growing businesses that want regular support.
£0/mo
Everything in GROWTH plus…
Core
Best for simple businesses to stay compliant.
£0/mo
Accounts & Tax
Most popular Growth
Best for ambitious businesses that want advice and priority.
£0/mo
Everything in CORE plus…
Advisory
Best for growing businesses that want regular support.
£0/mo
Everything in GROWTH plus…
Core
Best for simple businesses to stay compliant.
£0/mo
Accounts & Tax
Most popular Growth
Best for ambitious businesses that want advice and priority.
£0/mo
Everything in CORE plus…
Advisory
Best for growing businesses that want regular support.
£0/mo
Everything in GROWTH plus…
Core
Best for CIS subbies to stay compliant.
£0/mo
Accounts & Tax
Most popular Growth
Best for CIS subbies that want more advice and priority.
£0/mo
Everything in CORE plus…
Advisory
Best for CIS subbies that want extra peace of mind and to grow.
£0/mo
Everything in GROWTH plus…
Additional services
Add to any plan above
Bookkeeping
£0/mo
For example, if you have 5 invoices paid with 1 payment, that is 6 transactions. An estimation is fine as this will naturally vary each month.
You can reduce your annual accounts fees substantially when you use our bookkeeping service.
VAT Returns
£0/mo
MTD (Qtrly Returns)
£0/mo
Management Accounts
£0/mo
Payroll
£0/mo
Additional services total£0£0/mo
All prices are exclusive of VAT.
Disclaimer: Your result is an estimate based on the information provided. Final fees may vary with your records, deadlines or support needs.
Like what you see? Get a tailored quote.
We’ll review your set-up to confirm your fixed fee — usually within 24 hours. No obligation.
Why you can trust us
Properly regulated.Properly guaranteed.
Here's exactly why it's important and in writing.
ACCA Certified
Independently regulated since 1995.
In the UK anyone can call themselves an "accountant". We're Certified Accountants — independently regulated, professionally insured, and held to the highest ethical standards.
Milton Keynes Certified Accountants Indemnity Cover £10M
If they're not regulated, you get…
- No guaranteed training
- No guaranteed regulation
- No guaranteed insurance
- No built-in consequences
We're different. We're Certified Accountants.
Why does that matter to you?
When it comes to your tax, your business, and your financial future, the person you choose is the difference between peace of mind and potential disaster.
01
Recognised by mortgage lenders
Many lenders require references from qualified accountants. Our credentials tick that box without question.
02
HMRC dealings are easier
When your accountant is properly qualified, regulated and supervised, HMRC takes the file seriously from the start — exactly what ACCA membership guarantees.
03
Independent quality checks
We're subject to ACCA practice reviews and ongoing regulatory oversight — not just our own word for it.
04
Right of complaint
If you ever have an issue (rare, but possible), you have access to an independent complaints process through the ACCA.
05
Independent AML regulation
The ACCA, not HMRC, oversees our anti-money-laundering compliance — supervised by an independent professional body.
Verify our membership in the official ACCA Directory of Certified Accountants
Why gamble your business on someone who isn't regulated?
The Tax & Beans Guarantee
What we'll put in writing.
We don't make vague promises about "great service". We put ours in writing— every clause, in plain English.
30 days free We fix it, full stop Full refund Clean break Parting gift
01
30 days free
For recurring work, your first month costs nothing. No invoice. No obligation. No awkward conversations if it's not for you.
Just a proper feel for what it's like to have a real accounting team behind you.
02
We fix it. Full stop.
If something isn't right, tell us. We'll correct it. Quickly, professionally, and without complaint— until you're satisfied.
03
Full refund if we fall short
If we've had the chance to put something right and you still don't believe we've delivered, we'll refund the fees for that work.
No argument. No delay. No small-print wriggle.
04
Clean break
If you ever decide to move on, we'll release your records promptly and cooperate fully with your new accountant.
No missing files. No passive obstruction. No drama.
05
A parting gift
We'll also send you two cinema tickets on the way out.
Because how a firm behaves at the end tells you everything about its character.
The only condition
Let us know within 30 days of the work being completed if something's wrong. That's it. No hoops. No buried clauses.
Reviews you can trust
Real clients. Real results.
Featured review
Switched over on a recommendation. Best move in years. Sharp, proactive and relentless about saving tax.
More reviews
As a busy plumber, I needed accountants who truly understand tradespeople, and these guys deliver. They’ve sorted out years of messy books, helped me stay on top of my VAT, and how to lower my tax bills. Straight-talking, reliable, and worth every penny.
Switched over on a recommendation. Best move in years. Sharp, proactive and relentless about saving tax.
Have saved us over £12,000 in tax this year. We’ve worked with several accountants in Milton Keynes in the past, but none come close to the professionalism and efficiency of this firm. They stay ahead of deadlines, communicate clearly, and we finally have peace of mind.
Since partnering with these accountants, we’ve seen a dramatic improvement in our cash flow and overall financial health, with profits up 22%. They offer personalized guidance and have a knack for spotting opportunities for savings. Highly recommend!
This accounting firm has been a game-changer for our business. They not only handle our taxes with precision but also offer invaluable financial advice that has helped us grow. Their proactive approach and quick responses make them a pleasure to work with.
BeanGrower
The 3-line cashflow check
Take the next step
Ready whenyou are.
Pick the way that suits you — there's no wrong door.
Chat first
Book a free 20 minute call. No pitch. Just tell us where you're at and we'll point you in the right direction.
Book free 30 min callGet your price
Visit our pricing section to get a fixed fee quote.
PricingJust call
We always answer in person (business hours).
01908 123456