Check Your Contractor Financial Maturity Score

The UK Contractor Finance Report 2026 is an AccTek Research report that explains the Contractor Financial Maturity Index, the six pillars of contractor financial maturity, common contractor finance mistakes and a practical 30/90/365-day improvement roadmap. Read the UK Contractor Finance Report 2026.

CFMI stands for Contractor Financial Maturity Index. It is a score from 0 to 100 that indicates how tax-efficient, compliant, cash-ready and financially resilient your contractor setup is — across IR35 readiness, tax planning, cash buffer, bookkeeping, pension planning, systems and monthly visibility.

No. It gives a general financial maturity indication only. It is not tax, financial, legal advice or a formal IR35 status determination. Your result is based on the answers you provide. Speak to AccTek or another qualified adviser before making tax, company structure or contracting decisions.

No. It indicates how well-prepared you are for IR35 — for example whether your contract has been reviewed and whether your working practices match it — but it does not determine your status. A formal determination needs a professional review of your specific contract and working practices.

UK contractors, consultants, freelancers and personal service companies (PSCs) — whether you work through a limited company, umbrella, as a sole trader, or on PAYE. It’s most useful for limited company contractors checking tax efficiency and compliance.

AccTek is a UK accounting and finance partner for contractors. We handle limited company accounts, Corporation Tax, VAT, PAYE and Self Assessment, and provide proactive planning across salary, dividends and pension. We review IR35 readiness, keep your Companies House and HMRC deadlines under control, and use cloud accounting such as Xero for real-time visibility.

Nella is AccTek’s AI finance assistant. It connects to your accounting data and helps you monitor your tax pot, cash runway, profit, take-home position and deadlines — and answer finance questions in plain English from WhatsApp, Slack, ChatGPT, Claude and the AccTek portal.