See your numbers clearly. Plan tax ahead. Grow with confidence. Growth-focused accounting for UK businesses scaling from £500K to £10M+. Monthly Management Accounts Cash Flow Forecasting Proactive Tax Planning Xero & Automation Virtual CFO Support Fixed Monthly Fees
Most owners come to us at the point where a year-end-only accountant simply stops being enough.
You hear from your accountant once a year — every insight arrives far too late to act on.
Without monthly management accounts, “are we actually profitable?” is a guess until the year closes.
Corporation Tax, VAT and seasonal dips catch you off guard because nobody is forecasting them.
Your tax bill keeps climbing but nobody ever proactively suggests how to bring it down.
Manual processes that worked at five transactions a day collapse at fifty. You need systems, not workarounds.
You need a finance function that informs hiring, pricing and investment — not just a filing service.
Most practices treat a scaling business like any other compliance client — annual accounts, a tax return, and silence in between. AccTek is built to be the finance function a growing SME actually needs.
Qualified, regulated chartered accountants. Every recommendation comes from a professional who is accountable for it.
P&L, balance sheet, cash flow and KPI commentary every month as standard — not an annual afterthought.
We find savings before the year closes — R&D credits, capital allowances, director pay and the small profits rate.
Certified Xero implementation with automated feeds, plus anomaly detection via our AI Finance Lab.
Board packs, scenario modelling, investor and lender reporting — strategic leadership without a full-time hire.
One fixed monthly fee, no hourly billing, no surprise invoices — with sub-24-hour response from a dedicated accountant.
“For the first time I actually understand our numbers. Monthly management accounts and a rolling cash flow forecast mean I make decisions on data, not gut feel. AccTek feels like having a finance team.”
Director — E-commerce business, £2M turnover
“Our old accountant filed and disappeared. AccTek restructured director pay, claimed R&D relief we never knew qualified, and cut our effective tax rate materially in the first year.”
Founder — Creative agency, 14 staff
“The Virtual CFO support has been transformational. Board packs, scenario models and lender reporting are handled, so I can focus on running the business instead of building spreadsheets.”
Managing Director — Manufacturing SME, £6M turnover
An SME accountant is a qualified accountant who specialises in supporting small and medium-sized businesses beyond basic compliance — providing management accounts, cash flow forecasting, tax planning, KPI reporting and strategic financial advice that helps owners make better decisions and grow profitably.
Every UK limited company needs annual accounts filed with Companies House and a Corporation Tax return submitted to HMRC. That is the compliance baseline. But for a business doing £500K, £2M or £5M in revenue, compliance alone is not enough.
An SME accountant builds the financial infrastructure that turns data into decisions — monthly management accounts that show where profit is made and lost, cash flow forecasts that prevent shortfalls, tax planning that legally reduces your effective rate, and KPI dashboards that give you real-time visibility without opening a spreadsheet.
AccTek scales with your business. What you need at £500K turnover is fundamentally different from what you need at £5M.
Transition from basic bookkeeping to proper financial infrastructure.
You need real-time financial data to make operational decisions.
Your finance function needs to inform strategy, not just report history.
Every AccTek SME client runs on Xero. Automated bank feeds, real-time reporting, MTD compliance and seamless integration with payroll, inventory and CRM tools. If you are still on desktop software or spreadsheets, we migrate you — typically within two weeks.
Your Xero data feeds into AccTek’s AI Finance Lab — a proprietary layer that enriches raw accounting data with automated categorisation, anomaly detection and pattern recognition. The result is management information that arrives faster, with fewer errors and more actionable insight than manual processes can deliver.
Technology handles the repetitive work. Your qualified accountant handles the judgment. Every tax decision, every strategic recommendation and every piece of advice comes from a qualified professional who understands your business — not a chatbot. People powered. AI accelerated.
Xero → Dext (receipt capture) → GoCardless (direct debit) → AccTek AI Finance Lab → Real-time dashboards → Monthly management accounts → Your decisions
Pricing depends on your turnover, transaction volume, number of employees and the level of advisory support you need. AccTek operates on fixed monthly fees — you know exactly what you pay every month with no surprises.
| Factor | Impact on Pricing |
|---|---|
| Annual turnover | Higher revenue = more transactions, more complexity |
| Number of employees | Payroll, RTI, pensions, P11Ds |
| VAT registered | Quarterly MTD submissions |
| Transaction volume | Monthly reconciliation workload |
| Management accounts | Monthly vs quarterly, depth of analysis |
| Virtual CFO support | Strategic advisory, board packs, forecasting |
Most SME clients pay between £300 and £1,500 per month depending on the scope of services. Every quote is tailored to your specific situation — no templated packages that leave gaps or charge you for services you do not need.
If your business turns over less than £100K with straightforward transactions, a general accountant handling your annual return is probably sufficient. Beyond that, the answer is almost always yes — and the cost of not having one is significantly higher than the fee.
Here is what a specialist SME accountant provides that a general practice typically does not:
The businesses that grow fastest are the ones with the clearest financial visibility. That clarity comes from a finance function, not just a filing function.
| Capability | Traditional Accountant | AccTek (Modern SME) |
|---|---|---|
| Annual accounts & CT | Yes | Yes |
| Monthly management accounts | Rarely | Included as standard |
| Cash flow forecasting | Not usually | Rolling 13-week forecast |
| Proactive tax planning | Year-end only | Year-round, quarterly reviews |
| Cloud accounting | Often desktop-based | Xero with full automation |
| Response time | Days to weeks | Sub-24 hours |
| KPI dashboards | Manual spreadsheets | Real-time, automated |
| AI-enhanced workflows | No | Categorisation, anomaly detection |
| Board pack preparation | Additional fee | Available at growth tiers |
| Virtual CFO | Not offered | Integrated service option |
A specialist SME accountant goes beyond compliance filings. They provide management accounts, cash flow forecasting, KPI tracking, tax planning for growth, board reporting and strategic financial advice — the finance infrastructure a scaling business needs to make decisions with confidence.
SME accounting fees typically range from £300 to £1,500+ per month depending on turnover, employees, transaction volume and advisory scope. AccTek offers fixed monthly fees with no hidden charges.
Common triggers: you only hear from your accountant at year end, you lack monthly management accounts, you cannot answer basic cash flow questions, your accountant does not understand your industry, or your tax bill keeps climbing without strategic advice.
A Virtual CFO provides strategic financial leadership on a fractional basis — cash flow forecasting, scenario planning, KPI dashboards, investor readiness and board-level reporting. Most businesses between £1M and £10M benefit from Virtual CFO support without the £120K+ cost of a full-time hire.
Xero is the leading cloud accounting platform for UK SMEs. It offers real-time reporting, automated bank feeds, MTD compliance, multi-currency support and integrations with payroll, CRM and inventory tools. AccTek implements and optimises Xero for every client.
Yes. Full payroll management including RTI submissions to HMRC, pension auto-enrolment, P11D benefits reporting, P60s, holiday pay calculations and year-end compliance.
Yes. Proactive tax planning can significantly reduce your effective rate. We identify R&D tax credits, capital allowances, pension contributions, director remuneration structuring and the small profits rate where applicable.
Monthly management accounts including profit and loss, balance sheet, cash flow statement, budget vs actual analysis, KPI tracking and a narrative commentary explaining what changed and why.
Everything a growing limited company needs — structured by the decisions you face as you scale. Each guide is written by our qualified team and kept current for the 2026/27 tax year.
Fixed fees • Monthly management accounts • Proactive tax planning • Sub-24hr response
Godwin Pinto ACA is a chartered accountant and founder of AccTek with 20+ years of experience accounting and tax for contractors, startup and SME .
AccTek 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.
