Umbrella vs Ltd
the comparison you need.
Milton Keynes Chartered Accountants for freelancers and contractors.
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.
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
Umbrella vs Ltd
the comparison you need.
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.
Freelancers & Contractors —four key facts.
Freelancing gives you control over your rates, your clients and your time. Getting the tax side right decides how much of it you keep. Four things worth knowing.
Your status comes from the reality of the working relationship. Well-drafted contracts that match that reality protect you if HMRC ever looks.
Inside or outside, an accurate determination and clean records mean no nasty reassessment later.
Software, equipment, travel, professional subs, a proportion of home costs. Many freelancers claim a fraction of what they're entitled to.
Sole trader, limited company or umbrella. The right answer depends on your rates and your contracts, and it changes as you grow.
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.
The freelancer and contractor realitiesnobody warns you about
Freelancing is a constant balancing act. Great work on one side, clients, finances and admin on the other, and nobody to hand any of it to. Most people never see that load. We do.
Delivering the work, chasing invoices, pitching the next one, hitting deadlines. No backup, no handover.
Busy months carry you. Quiet months bite. That makes tax and cashflow planning harder, not optional.
Software, travel, equipment, home office costs and many more. Miss them and you're handing HMRC money for nothing.
You need systems that keep cashflow steady when other people don't hold up their end.
Sole trader, Ltd, umbrella. Most freelancers pick one early and never revisit it, even as their rates change.
Raising rates, hiring help, outsourcing. Every one of those decisions needs financial clarity you can act on.