Accountants for Contractors
We help contractors across Cardiff and South Wales stay on top of their accounts, tax and compliance so you can focus on delivering great work. Whether you're in IT, construction or another contract sector, we'll make sure your finances run smoothly and you never pay more tax than you need to.
Everything we handle for contractors
From day-to-day bookkeeping to complex IR35 advice, we cover all the accounting and compliance work that keeps your contracting business running smoothly and HMRC-compliant.
IR35 Status Reviews
Clear advice on your working arrangements and tax status, with ongoing support as contracts change.
Construction Industry Scheme (CIS)
CIS deduction handling, monthly returns and gross payment status applications for construction contractors.
Tax-Efficient Structures
Guidance on salary and dividend splits, expense claims and the best business structure for your situation.
Company Formation & Payroll
Setting up your limited company, director payroll, RTI submissions and pension auto-enrolment support.
How we support contractors in Cardiff and South Wales
Contractors face a unique set of accounting challenges. You need to stay on top of monthly returns, claim every legitimate expense, and navigate rules like IR35 or CIS depending on your sector. We work with IT contractors, construction professionals and freelancers across South Wales, handling everything from bookkeeping and payroll to tax planning and Companies House filings so you can concentrate on winning and delivering projects.
Our approach is straightforward. You get a dedicated accountant who understands contractor tax inside out, fixed monthly fees with no surprises, and access to cloud accounting software that keeps your records up to date in real time. We handle quarterly VAT returns, self-assessment, corporation tax and statutory accounts, plus proactive advice on how to structure your income tax-efficiently.
We make sure you claim every expense you're entitled to and never pay more tax than the law requires.
More information
Many contractors we meet have been stung by generic high-street accountants who don't understand the nuances of contract work. IR35 changes, off-payroll working rules, and CIS compliance all require specialist knowledge. We stay current with HMRC guidance and apply it to your specific situation, whether you're working inside or outside IR35, operating through your own limited company, or considering incorporation for the first time.
For construction contractors, we handle CIS monthly returns, verify subcontractor deductions, and help you apply for gross payment status when you're eligible. For IT and professional services contractors, we review your contracts, advise on working practices, and structure your salary and dividends to minimise your tax bill legally. We also support you with expense tracking, project cost analysis, and cashflow forecasting so you know exactly where you stand financially.
What's included in our contractor packages
- Cloud bookkeeping with Xero or QuickBooks
- Director payroll and RTI submissions
- Quarterly VAT returns (standard or flat rate)
- Annual accounts, corporation tax and self-assessment
- Companies House filings and confirmation statements
- Unlimited tax and compliance queries by phone or email
- IR35 contract reviews and status determinations
- CIS monthly returns and gross payment status support (construction)
We work with contractors right across Cardiff, from the city centre out to Penarth, Barry, Caerphilly and the valleys. Whether you prefer to meet face to face in our Cardiff office or handle everything online, we're set up to support you however suits your schedule. Most of our contractors appreciate the flexibility of remote working, but we're always here for an in-person chat when you need one.
If you're thinking about moving from sole trader to limited company, or you've recently incorporated and need a firm that understands contractor tax, we'll walk you through your options with no jargon and no pressure. Our fixed-fee packages start from around £110 per month for core services, with add-ons available for extra directors, payroll staff, or additional compliance work. You'll know exactly what you're paying before you commit.
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Here are the questions contractors ask us most often when they first get in touch.
What's the difference between your contractor service and a standard small business package?
How much do your contractor accounting services cost?
Do you handle IR35 determinations and contract reviews?
Can you help with Construction Industry Scheme (CIS) compliance?
What accounting software do you use?
Do I need to come into your Cardiff office or can we work remotely?
What happens if I get a letter from HMRC about my tax status?
Can you help me decide whether to stay sole trader or incorporate?
Let's talk about your contracting business
Book a free consultation and we'll explain how we can take the accounting and compliance work off your plate with straightforward advice and fixed monthly fees.
Book a free consultation