Where human expertise meets machine intelligence. Real-time insights, automated workflows, and proactive advisory — built for UK founders and growing businesses.
The AI Finance Intelligence Lab is AccTek’s technology layer that monitors your Xero accounts in real time, flags tax-saving opportunities and compliance risks automatically, and delivers advisory insights reviewed by a chartered accountant. It works alongside your accountant — not instead of them — and is included with AccTek accounting packages for UK startups, contractors, locum doctors and SMEs.
The AI Finance Intelligence Lab is AccTek's proprietary technology layer. It augments our chartered accountants with machine intelligence — so your finances are monitored, optimised, and reported in real time, not once a year.
Most accounting firms wait for you to send documents. We built something different. Our AI Finance Lab continuously analyses your Xero data, identifies tax-saving opportunities, flags compliance risks before they become problems, and delivers insights directly to your dashboard.
This is not a replacement for human expertise. It is an amplifier. Every AI-generated insight is reviewed and validated by our qualified team before it reaches you. People powered. AI accelerated.
Six intelligent modules working together to transform how your business handles finance.
Live P&L, cash flow forecasts, and KPI tracking pulled directly from Xero. No waiting for month-end to see where you stand.
Corporation Tax estimates updated continuously. VAT liability tracked in real time. Dividend vs salary optimisation recalculated as your profits move.
AI scans your transactions for tax relief opportunities, compliance deadlines, and anomalies — then alerts your accountant to act.
Bank feeds, receipt matching, and transaction categorisation handled by AI with human review. Spend less time on data entry, more on growth.
Companies House deadlines, HMRC filing dates, VAT returns, PAYE submissions — all tracked and flagged automatically before they are due.
Quarterly advisory reports generated by AI, reviewed by your accountant. Benchmarking, trend analysis, and actionable recommendations tailored to your business.
Your Xero account, bank feeds, and HMRC integrations sync automatically.
AI processes transactions, categorises expenses, and identifies patterns in real time.
Your chartered accountant reviews AI insights and delivers proactive recommendations.
Tax strategy, cash flow, and compliance continuously refined as your business evolves.
We integrate the platforms you already use with the intelligence layer you did not know you needed.
Cloud accounting backbone. Real-time bank feeds and invoicing.
AccTek's proprietary rules engine for tax, compliance, and financial insights.
Live financial KPIs, cash forecasts, and profitability metrics.
MTD-compliant VAT submissions and Corporation Tax estimates.
Client communication, onboarding workflows, and advisory delivery.
n8n-powered automation for reminders, reports, and compliance alerts.
Meet Penny
Penny is the AI assistant inside the AI Finance Lab. Message her like you’d text a colleague and she answers from your real, reconciled Xero numbers — in seconds, any time. She knows your sector and the UK tax that comes with it, and she knows exactly where her job ends and your accountant’s begins.
YouCan I take a £5k dividend this month?
PennyYou’ve got £8,240 of retained profit available, and a £5k draw keeps you inside the basic-rate band for the year — so no higher-rate dividend tax on it. Want me to flag it to your accountant before you go ahead?Reconciled to yesterday · AccTek AI Finance Lab
Penny answers; your chartered accountant signs off. She’ll never file anything, move money, or give you formal tax advice on her own — that’s what the humans are for.
Penny AI Finance LabDemo · Penny answering from your live Xero data
Your numbers live across the tools you already use. The AI Finance Lab pulls them together, and Penny brings the answers to wherever you work.
Xero
Sage
QuickBooks
FreeAgent
HubSpot
Zoho
StripeXeroSageQuickBooksFreeAgentHubSpotZohoStripe
WhatsApp
Slack
ChatGPT
AccTek PortalAccTek is a member firm of the Institute of Certified Practising Accountants (ICPA). Our accountants have a wide range of qualifications and accreditations from trusted professional bodies such as the AAT, ICPA, and ACCA.
