6 April
planning starts at the beginning of the year.
Milton Keynes Chartered Accountants for sole traders.
Sole trader accounting that cuts tax, not corners.
Going it alone doesn't mean going without support. We keep you compliant, cut your tax bill legally, and give you straight answers when you need them.
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MTD
ready before HMRC makes it your problem.
Cash basis
or accruals, whichever taxes you less.
Go Ltd?
we'll tell you when it starts paying.
Quick facts
Sole traders —four key facts.
Being a sole trader is the simplest way to trade. But you can overpay tax without realising it. Four things worth knowing.
You're personally liable.
No limited company shield. Your business debts are your debts, so getting the numbers right isn't optional.
Your finances stay private.
Nothing published at Companies House. Your competitors can't see your accounts.
Ltd isn't always better, but sometimes it is.
Once profits rise, incorporating can cut your tax bill. We'll tell you when you cross that line, not two years after.
VAT can work in your favour.
Supplying VAT-registered businesses? Voluntary registration can put money back in your pocket. Most sole traders never check.
Who we help
Sole tradersthat we help.
Working for yourself? You're in the right place.
We help sole traders of every trade.
Who we work with
Tradespeople, consultants and freelancers
wanting to keep more of what they earn.
Growing businesses
taking on their first employee.
Anyone unsure
whether it's time to go limited.
What nobody tells you
The sole trader realitiesnobody warns you about.
Running a one-person business means being everything at once — the work, the admin, the money, the decisions. Most people never see the load you carry. We do.
You are the whole business.
Quoting, invoicing, chasing payments, doing the work. It all lands on you, even when you're flat out.
Business and personal money blur together.
When it's all one pot, clean records stop being a nice-to-have and start being the difference between a fair tax bill and a stupid one.
Every big call is yours alone.
No partner, no finance director. You need numbers you can trust to decide with confidence.
Your income won't sit still.
Busy months surge, quiet months bite. That makes tax planning and cashflow harder, not easier.
You're competing with bigger outfits.
Clients expect fast replies and slick organisation while you juggle every job behind the scenes yourself.
Growth needs numbers you trust.
Raising prices, hiring, VAT, going Ltd. Every move needs financial clarity you can act on, not guesswork.