Content Creators
YouTubers, podcasters, Substack writers, TikTok & Instagram creators — multi-platform income, brand deals, multi-currency, equipment write-offs handled properly.
Accounting & Finance · Rugby, UK · Est. 2026
Precision in every number.
Professional accounting for UK sole traders, individuals and small limited companies. Fixed monthly fees. Direct access to a senior finance professional. Making Tax Digital ready.
HMRC Agent
ICO Registered
MTD Ready
Xero Certified
Instant Quote
Get your
price in a minute.
Tell us a little about your business and see exactly what it would cost — no email required, no sales calls, no commitment.
- Fixed monthly fees with everything included
- No setup fees, no surprise invoices
- Cancel any time with 30 days' notice
- Direct access to a qualified finance professional
What best describes your situation?
Pick the option closest to you — we will tailor the next questions accordingly.
Recommended
What's Included
Next Step
Let's get you set up.
Book a free 30-minute discovery call. We will confirm your exact requirements, answer any questions, and get you onboarded properly.
Who We Help
Built for
your business.
Whatever your trade or profession, the financial side gets the same careful attention — so you can focus on the business you actually love.
Freelancers & Consultants
Self-employed professionals — Self Assessment, expenses, IR35 considerations, quarterly check-ins to keep you on track.
E-commerce
Shopify, Etsy, Amazon, eBay sellers — multi-channel reconciliation, VAT on cross-border sales, clean monthly P&L.
CIS Subcontractors & Contractors
Full Construction Industry Scheme support — monthly returns, subcontractor verification, deductions, refunds.
Trades
Electricians, plumbers, builders, decorators — CIS where applicable, expenses, invoicing, clear quarterly reporting.
Beauty & Wellness
Mobile therapists, salons, lash artists, aestheticians — bookkeeping and tax built for self-employed beauty professionals.
Hospitality & Restaurants
Independent restaurants, cafés, bars and spas — built on six years of hands-on luxury hospitality finance experience at The Dorchester, 45 Park Lane, and Coworth Park. Tronc, daily takings, F&B VAT, multi-revenue streams handled properly.
Landlords & Property
Buy-to-let landlords, holiday lets, HMO owners — rental income, MTD for landlords (April 2026), Section 24 finance cost handling.
Trust & Compliance
Your business
is in safe hands.
Working with a finance professional should give you peace of mind, not raise more questions. We meet every UK regulatory standard a small-practice accountant should — and we are transparent about it.
HMRC Agent Authorised
Registered with HMRC to act on your behalf for tax filings, VAT, CIS and Self Assessment submissions.
ICO Data Registered
Registered with the Information Commissioner's Office. Your financial data is held, processed and protected to UK GDPR standards.
AML Supervised
Anti-Money Laundering supervised in line with UK accountancy practice standards. Full KYC and ID checks at onboarding.
Professional Indemnity
Covered by Professional Indemnity insurance for the work performed on your behalf. Standard practice for UK accountants.
ACCA Finalist
9 of 12 ACCA papers passed, Ethics & Professional Skills module complete. Final stage of qualifying as a Chartered Certified Accountant.
Bank-Grade Security
All client portals use 256-bit encryption. Xero, our records platform, is bank-grade secure with two-factor authentication on every login.
How We Work
Modern stack.
Human contact.
Everything is digital where digital makes sense — and human where humans matter. No envelopes of receipts. No support tickets. No portal-only messaging.
01
Connect your accounts to Xero
Your bank, Stripe, PayPal, Patreon, Shopify, Amazon — all feed transactions into Xero automatically. We set it up. You stop emailing receipts.
02
Categorise & reconcile each month
We do the bookkeeping. You get clean books, every month, without spreadsheets. Questions get a Loom video walkthrough, not a 4-page email.
03
Quick questions any time
WhatsApp, email, or call. Replies during working hours (Mon-Sat 9-6). Out-of-hours messages get a reply the next working morning — not next week.
04
Filings handled, deadlines tracked
VAT, PAYE, Self Assessment, MTD quarterly submissions, Confirmation Statement — all on the calendar, all filed on time, all confirmed with you first.
Billing
Direct Debit via GoCardless — the standard for UK accountants.
Same fixed price, same date every month, protected by the UK Direct Debit Guarantee. No card-on-file expiry hassles. No invoices to chase. Cancel anytime with 30 days notice. You'll set up the mandate during onboarding — takes 2 minutes online.
Your Data, Your Control
Privacy is not
a checkbox — it's the work.
Your financial data is some of the most sensitive information you own. We treat it that way. Here's exactly how it's handled.
UK GDPR & Data Protection Act
Full compliance with the UK General Data Protection Regulation and Data Protection Act 2018. ICO registered as a data controller.
Encrypted in Transit & at Rest
All client data lives in Xero (bank-grade encryption) and Google Workspace (Tier-1 cloud security). 2FA enforced on every login.
Minimum Data, Maximum Care
We collect only what is genuinely needed to do your accounts and meet HMRC requirements. Nothing else. Ever.
You Own Your Data
All data we hold about you is yours. Request a copy, correction, or deletion at any time. We respond within 30 days as UK GDPR requires.
Never Sold, Never Shared
Your data is never sold, never shared with third parties for marketing, and never used to train AI. The only sharing is with HMRC where legally required.
Breach Response Plan
In the unlikely event of a data breach, we notify the ICO within 72 hours and you immediately. Full written incident report follows within 7 days.
Making Tax Digital · 2026 Ready
MTD is coming —
are you ready?
From April 2026, sole traders and landlords earning over £50,000 must keep digital records and submit quarterly updates to HMRC. Find out exactly when it applies to you in 2 minutes.
Take the MTD Check01
Quick eligibility check
Answer 6 quick questions and find out exactly which MTD rules apply to your business and when.
02
Personalised timeline
Know your exact compliance deadline — April 2026, 2027 or 2028 — based on your income.
03
Full setup if needed
If MTD applies, we handle Xero setup, digital records and quarterly submissions for you.
Ready to talk
about your business?
Book a free 30-minute discovery call. No obligation, no jargon — just a real conversation about what you need.
Frequently asked
The honest answers.
Most of the questions people ask before signing up. If yours is not here, just send an email — you will get a real answer from me, not a chatbot.
Can I switch from my current accountant mid-year? +
Yes — this happens regularly and is straightforward. I will write to your current accountant requesting professional clearance and your records (a standard process called the "professional handover"). You do not need to have any awkward conversations. Once records are received, I file the agent authorisation with HMRC and we carry on without a gap in your filings.
Is there a setup fee? +
No. There is no setup fee on any monthly plan. Your first month is the full plan price — that covers onboarding, Xero setup, transfer from your previous accountant (if any) and your first month of service. We bill on the 1st via Direct Debit thereafter.
Can I cancel anytime? +
Yes. All plans are monthly with 30 days notice. There are no minimum-term contracts, no exit fees, no questions asked. If you leave, I will send all your records to your new accountant cleanly and promptly.
What happens if HMRC investigates me? +
I handle the correspondence with HMRC on your behalf as your authorised agent. Routine enquiries are included in your monthly plan. A formal compliance investigation may incur additional fees depending on the work involved — you will be told upfront, in writing, before any extra cost is incurred. For full protection, I can also arrange Tax Investigation Insurance as a one-off optional service.
What if I don't have all my receipts? +
This is more common than you might think. Bring me what you have — bank statements alone can rebuild most of the picture, especially for sole traders. I can identify allowable expenses from the descriptions, flag patterns, and work with you to reconstruct what's missing. The key is to start now and improve as we go — not wait until everything is "perfect".
Do I need to be in the UK to be a client? +
You need a UK tax residency or a UK-registered business to make sense for UK accounting services. The whole practice runs remotely via Xero, secure document portals, video calls and email — so geographic location within the UK does not matter. In-person meetings are available within 30 minutes of Rugby if needed.
How do I pay you? +
By Direct Debit through GoCardless. During onboarding you'll receive a secure link to set up the mandate — takes 2 minutes online with your sort code and account number (no card details needed). Your monthly fee is then collected automatically on the same date each month. You're protected by the UK Direct Debit Guarantee, and you can cancel anytime with 30 days notice. One-off services (Self Assessment standalone, year-end accounts for non-monthly clients, etc.) are invoiced separately and payable within 14 days.
How quickly can you take over? +
From signing the engagement letter to being fully operational typically takes 2–3 weeks. That includes ID verification (AML, required by law), HMRC agent authorisation (usually arrives within 14 days), Xero setup, and the handover from your previous accountant if applicable. Urgent cases — HMRC deadlines, late filings — are prioritised and can usually start within 48 hours.
Why do you ask for ID and address verification? +
UK accountants are legally required to perform Anti-Money Laundering (AML) checks on every client. This is not optional — it is a Money Laundering Regulations 2017 requirement. I will ask for one form of photo ID (passport or driving licence) and one proof of address (utility bill or bank statement under 3 months old). The check takes 2 minutes and protects both of us.
Can I really email and call you directly? +
Yes. When you sign up, you get my direct email and mobile number. No portal-only messaging, no support tickets, no junior staff routing. The trade-off is that I am one person — so out-of-hours messages get a reply by the next working morning, not instantly. Urgent client matters always come first.
I'm a content creator with income from YouTube, Patreon, brand deals — can you handle that? +
Yes — this is actually a sweet spot for us. We handle multi-platform income (YouTube AdSense, TikTok Creator Fund, Patreon, Substack, brand partnerships), multi-currency payments (USD/EUR/GBP converted at HMRC-compliant rates), creator-specific expenses (equipment, software, home office, travel for content), and the trickier areas like sponsored content tax treatment and gifted product valuation. If you have 1099-equivalent forms from US platforms, we know what to do with those too.
What if I haven't declared everything properly in past years? +
You're not alone — this is one of the most common things I hear from new creators and side-hustlers. HMRC has a voluntary disclosure facility specifically for people who realise they owe back taxes. Coming forward voluntarily typically results in much lower penalties than being caught later. We can help you assess what you may owe, file the disclosure, and set up clean records going forward. Zero judgment — just a clear path to being sorted.
I run a restaurant or hospitality business. Is that something you cover? +
Yes — hospitality is one of our strongest areas. Before founding Garnvale, I spent six years in finance at The Dorchester, 45 Park Lane and Coworth Park — with hands-on responsibility for the F&B and spa operations across multiple restaurants, bars, and three luxury spas. That includes daily takings reconciliation (cash, card, delivery platforms), tronc/tips PAYE allocation, F&B VAT splits, kitchen inventory and stock valuation, supplier reconciliation, payroll for variable-hour staff, and the operational P&Ls that show you whether Tuesday lunch is actually making money. Independent restaurants, cafés, bars, and small hospitality groups are exactly the work I know.
I'm an Etsy / Shopify / Amazon seller. How does that work? +
We connect your sales platforms directly to Xero so every transaction flows in automatically — including fees, refunds, and the platform's payout schedule. Cross-border VAT (the post-Brexit complications around EU sales, Amazon's marketplace facilitator rules) is handled properly. Stock valuation, COGS, and gross margin reporting all included on Growth plan and above.