--- title: "Start-Up Accounting Packages Cardiff | Luminaire Accounts" description: "Start your business with bookkeeping, HMRC registrations, VAT and payroll set up, plus clear monthly support to stay compliant and confident." canonical: "https://hlsaccounting.co.uk/services/start-up-accounting-packages" --- Business Start-Up & Advisory # Start-Up Accounting Packages We help new businesses in Cardiff get set up right from day one, handling your HMRC registration, bookkeeping, and tax obligations so you can focus on growing your venture. With tailored monthly packages and chartered accountants on hand to answer every question, you'll have the financial foundations you need without the overwhelm. [Book a free consultation](https://calendly.com/hlsaccounting/new-client-meeting) 10 Years supporting startups £25 Packages from per month 100% Making Tax Digital compliant ![Startup team meeting with an accountant presenting organized accounting packages and pointing to a laptop spreadsheet in a modern co-working meeting room.](/_next/image?url=%2Fapi%2Fmedia%2Ffile%2Fstartup_team_accountant_packages_wide_eye_level.jpg%3Fv%3D1773064233564&w=1536&q=75&dpl=dpl_DEc4fGhEc1SCRZZutzoEsRuDy1CJ) ## Everything under Start-Up Accounting Packages Whether you're launching as a sole trader or setting up a limited company, we cover every financial base so nothing slips through the cracks. ### Company Formation & HMRC Registration We register your business with Companies House and HMRC, ensuring you're compliant and ready to trade. ### Cloud Bookkeeping Setup We set you up on Xero or similar software and keep your books accurate and up to date every month. ### Payroll & VAT Registration We handle payroll processing from the first hire and register you for VAT when the time comes. ### Tax Returns & Year-End Accounts We prepare your Self Assessment or Corporation Tax returns and file your annual accounts on time. ## Getting your startup finances right from the beginning Starting a business in Cardiff is exciting, but the paperwork can feel anything but. Our start-up accounting packages take care of HMRC registration, Companies House filings, bookkeeping, payroll, VAT returns, and tax preparation so you can concentrate on customers, not compliance. We work with sole traders, new limited companies, and growing ventures across South Wales, tailoring every package to fit your sector and budget. We begin with a free consultation to understand what you need, then set you up on cloud accounting software like Xero for real-time visibility into your finances. From there, we handle the monthly admin, keep you Making Tax Digital compliant, and give you the reports and advice you need to make informed decisions as you grow. > You get accurate books, on-time filings, and chartered accountants who actually answer the phone. More information ### What's included in a typical package Our Bronze and Silver tiers start from £25 per month and cover bookkeeping, VAT returns, payroll processing, year-end accounts, and your Self Assessment or Corporation Tax return. You'll also get unlimited email and phone support, training on your accounting software, and proactive reminders about deadlines. If your business has more complex needs, we can build a bespoke plan that fits. Many Cardiff startups come to us feeling swamped by tax codes, VAT thresholds, and filing dates they did not know existed. We've worked with hair salons setting up their first chair rental, tradespeople going limited after years as sole traders, and retail shops opening their doors on City Road or Whitchurch high street. Whatever your sector, we understand the local landscape and the questions you're likely to have. ### Why cloud accounting makes sense We use cloud-based platforms because they automate bank feeds, generate real-time profit and loss reports, and keep everything HMRC-compliant without mountains of paperwork. You can check your numbers from your phone, and we can step in to reconcile transactions, chase invoices, or pull KPI reports whenever you need them. It saves time, prevents errors, and gives you confidence in your financial position. Once your accounts are filed, the support continues. We're here for tax planning conversations, growth advice, and any questions that come up throughout the year. If you need help with debt recovery or navigating a VAT inspection, we've got your back. The goal is to give you a financial partner who grows with you, not just a service you use once a year and forget about. ### Ready to get started? Book a free consultation and we'll build a package that fits your new business perfectly. [Book a free consultation](https://calendly.com/hlsaccounting/new-client-meeting) ### You might also like - [Sole Trader vs Limited Company Advice](/services/sole-trader-vs-limited-company-advice)→ - [Business Health Checks](/services/business-health-checks)→ - [Budgeting & Financial Projections](/services/budgeting-and-financial-projections)→ ## Worth considering Business Start-Up & Advisory ### Cash Flow Forecasting Cash flow forecasting that shows what is coming in and going out, highlights tight months, and helps you plan VAT, payroll and stock with confidence before they bite. [Cash Flow Forecasting→](/services/cash-flow-forecasting) Business Start-Up & Advisory ### Business Plan Preparation Turn your figures into a lender-ready business plan with clear assumptions, cash flow forecasts, break-even analysis, and a plan you can update and use monthly. [Business Plan Preparation→](/services/business-plan-preparation) Business Start-Up & Advisory ### Business Start-Up Advice Practical business start-up advice in Cardiff to help you choose the right structure, register with HMRC, set up bookkeeping, and plan cash flow and tax deadlines. [Business Start-Up Advice→](/services/business-start-up-advice) Business Start-Up & Advisory ### Company Formation & Incorporation We handle the paperwork to incorporate your limited company, confirm directors and shares, file with Companies House, and help you set up key HMRC registrations. [Company Formation & Incorporation→](/services/company-formation-and-incorporation) ## Before you book Here are the questions we hear most often from startups in Cardiff and across South Wales. How much do start-up accounting packages cost? Our packages start from £25 per month and include bookkeeping, tax returns, and ongoing support. We'll discuss your needs in a free consultation and recommend the tier that suits your business and budget. Do I need to use Xero or can I use my own software? We primarily work with Xero because it's cloud-based and Making Tax Digital compliant, but we can discuss alternatives during your consultation if you have a strong preference. What's the difference between a sole trader package and a limited company package? Sole trader packages focus on Self Assessment and simpler bookkeeping, while limited company packages include Corporation Tax returns, Companies House filings, and director payroll. Pricing and inclusions vary accordingly. How quickly can you get me registered and ready to trade? Company formation and HMRC registration typically take a few days to a week, depending on HMRC processing times. We'll keep you updated at every step and make sure nothing holds you up. Will I get help outside of the monthly package if I have urgent questions? Yes. All our packages include unlimited phone and email support, so you can reach a chartered accountant whenever something comes up. Do you work with businesses outside Cardiff? Absolutely. We serve clients across South Wales and work remotely using cloud software, but we're always happy to meet face to face if you're local to Cardiff. What happens if I need to register for VAT mid-year? We'll handle your VAT registration, set up your returns schedule, and make sure your bookkeeping reflects VAT from day one. It's all part of the ongoing support. Are you qualified accountants or just bookkeepers? We're Chartered Certified Accountants with nearly ten years of experience supporting small businesses and startups across South Wales. ## Let's talk about your new business Book a free consultation and we'll recommend a package tailored to your sector, budget, and ambitions. [Book a free consultation](https://calendly.com/hlsaccounting/new-client-meeting)