★ Trusted by Businesses

AAT Licensed Bookkeeping & Fractional Finance Services for UK Businesses — Expert bookkeeping.
Calm month-ends.

Book a free call See pricing
★★★★★  No contract. No commitment. Onboarded in 72 hours.
aat
Licensed Member Regulated by the Association of Accounting Technicians
Month to date: April 2026
Bank balance
£84,210
▲ £6,120 vs. last month
Transactions reconciled
1,247 / 1,247
✓ Fully up to date
Outstanding invoices
£12,480
8 invoices · 2 overdue
Matched transactions
1,247 / 1,247
✓ 100% reconciled
Bank feeds
4 accounts
Last synced 12 minutes ago
Pending review
0
No queries outstanding
Net profit (MTD)
£18,940
▲ 12.4% vs. last month
Revenue (MTD)
£62,305
▲ £4,820 vs. last month
Next VAT return
30 Apr
Draft ready to review
Books. Balanced. Reports. Ready. Books. Balanced. Reports. Ready. Books. Balanced. Reports. Ready. Books. Balanced. Reports. Ready. Books. Balanced. Reports. Ready. Books. Balanced. Reports. Ready.

The stack we work with

Why SmartFlow

Bookkeeping built around how you actually work.

A dedicated bookkeeper, your software of choice, and a monthly rhythm that just runs. No in-house overheads, no year-long contracts, no surprises.

01

A real bookkeeper, not a shared inbox

One dedicated person who knows your business, your chart of accounts, and your month-end quirks. You'll recognise the name on every email.

02

Clean books, every single month

Bank feeds reconciled, receipts chased, ledgers tidy. You get a month-end pack in your inbox on the same day, every month, with a plain-English summary of what changed.

03

Onboarded in 72 hours

Grant us access to your Xero, QuickBooks, Sage or FreeAgent and we take it from there. Catch up work priced separately and agreed upfront, so nothing is a surprise.

04

No lock-in, ever

Month-to-month pricing, cancel with 30 days notice. You stay because the books are clean and the month-end is calm, not because a contract says you have to.

Our services

Bookkeeping that keeps up. And everything around it.

From daily reconciliations to year-end prep. We look after the numbers so you can run the business. Clean books, filed on time, every time.

Monthly bookkeeping

Clean books, reconciled every month.

We categorise transactions, reconcile bank feeds, chase missing receipts, and close your books on a predictable monthly cadence, so you always know where you stand.

Bank reconciliation Categorisation Receipt capture Month-end close
VAT & payroll

Filings handled. Deadlines kept.

VAT returns prepared and submitted through MTD. Payroll run, payslips sent, PAYE and pensions filed. Everything HMRC needs, done quietly, on time, no last-minute scrambles.

VAT returns (MTD) Payroll & payslips PAYE & pensions HMRC correspondence
Management reports

Numbers you can actually read.

Clear monthly management accounts. P&L, balance sheet, cash position, plus a plain-English summary of what changed and why. The kind of report you'll actually open.

P&L & balance sheet Cash tracking Plain-English summary Monthly delivery
Year-end & catch-up

Year-end ready. Backlogs cleared.

Behind on your books? We'll get you caught up. Come year-end, your accountant gets a clean, reconciled set of accounts. Accurate trial balance, tidy ledger, nothing missing.

Catch-up bookkeeping Year-end pack Accountant handover Clean trial balance
Who we serve

Any business. Any stack. Any way you work.

We look after books for SaaS founders, construction firms, estate agents, creative studios, e-commerce brands and everything in between. If it has a P&L, we've probably balanced one.

AI-powered, precision-built We use the latest AI tools to speed up categorisation, flag anomalies and draft reports. Faster turnarounds, sharper insight, less admin on your end.
SaaS & tech MRR tracking, deferred revenue, stock schemes. We speak startup.
Construction & trades CIS returns, subcontractor deductions, retentions done right.
Real estate & lettings Rental income, service charges, multi-property portfolios.
E-commerce & retail Shopify, Stripe, Amazon reconciliations. Gross margin tracked monthly.
Creative agencies Project-based billing, retainers, freelancer payouts. Easy.
Hospitality & food Tronc, tips, multi-site tills. Margin insights your way.
Healthcare clinics Mixed VAT treatment, practitioner payroll, sensitive data handled safely.
Professional services Time tracking, WIP, partner drawings. We handle the lot.
Beauty & wellness Salons, spas, self-employed therapists. Clean books, calm mind.
Charities & non-profits Fund accounting, Gift Aid, SORP-compliant year-end.
Logistics & transport Fuel, mileage, fleet costs tracked and allocated properly.
Independent contractors Self-assessment, expenses, IR35 status. Sorted in one place.
The numbers

Cheaper than hiring. Cleaner than DIY.

An in-house bookkeeper costs £35k+ a year once you include salary, pension, holiday and kit. We deliver the same clean books, timely filings, and month-end reports from £300 a month. Here's what our clients typically save.

Role level
Typical in-house cost
Potential savings
Entry level
£30,000 / year
Up to 70%
Mid level
£70,000 / year
Up to 80%
Senior level
£130,000 / year
Up to 90%

*Based on typical salary, overhead, and training costs for in-house hires compared to our monthly service plans.

"Working with Karam has been a turning point for us. The bookkeeping is always spot on, the reports are genuinely useful, and it feels like having a finance partner, not just a service provider."
Ayman Elhalwagy - Founder of RootCause.ai, SmartFlow Finance client testimonial
Ayman Elhalwagy Founder · RootCause.ai
"Running a fast-moving BMW parts business means stock comes in and out constantly, sales hit from multiple channels, and VAT on EU orders is never straightforward. Karam keeps all of it clean. I finally trust the numbers I look at."
Adam - Director of specialist automotive e-commerce business, SmartFlow Finance client testimonial
Adam Director · Specialist automotive e-commerce
"Working with Karam has been a turning point for us. The bookkeeping is always spot on, the reports are genuinely useful, and it feels like having a finance partner, not just a service provider."
Ayman Elhalwagy - Founder of RootCause.ai, SmartFlow Finance client testimonial
Ayman Elhalwagy Founder · RootCause.ai
"Running a fast-moving BMW parts business means stock comes in and out constantly, sales hit from multiple channels, and VAT on EU orders is never straightforward. Karam keeps all of it clean. I finally trust the numbers I look at."
Adam - Director of specialist automotive e-commerce business, SmartFlow Finance client testimonial
Adam Director · Specialist automotive e-commerce
Pricing

Simple pricing. Pick your level.

Three tiers, all month-to-month. Start with bookkeeping, scale into a fractional finance team when you need one. Cancel any time.

Finance Controller
For established businesses
From £700/mo
  • ✓ Advanced financial reporting (P&L, balance sheet)
  • ✓ Budgeting & forecasting
  • ✓ Cash flow management
  • ✓ Tax planning & strategy
  • ✓ Internal controls & risk management
  • ✓ Financial strategy & insights
Get started
No commitment. Cancel anytime
Bookkeeper
For growing businesses
From £300/mo
  • ✓ Monthly bookkeeping & expense tracking
  • ✓ P&L, balance sheet, cash flow
  • ✓ Tax compliance (VAT)
  • ✓ Payroll processing
  • ✓ Expense management
  • ✓ Bank reconciliation
Get started
No commitment. Cancel anytime
Fractional Head of Finance & Ops
For scaling teams
From £1,000/mo
  • ✓ Full financial oversight & reporting
  • ✓ Operational reporting & KPIs
  • ✓ Cost optimisation & profitability
  • ✓ Cash flow forecasting
  • ✓ Payroll & HR management
  • ✓ Strategic planning & advisory
Get started
No commitment. Cancel anytime
FAQs

Good question. We've got answers.

The things people ask us most often. If yours isn't here, drop us a message and we'll come back the same day.

What services do you offer?

+
Bookkeeping, payroll, VAT, year-end accounts, and fractional finance support. You can pick a single service or bundle a few into a monthly package. Not sure what you need? We'll figure it out with you on a free intro call.

How do you keep my financial data secure?

+
Encrypted document storage, multi-factor authentication on every login, and access limited to only the people working on your account. Everyone on the team signs a confidentiality agreement before they touch your data.

Do I need to use specific accounting software?

+
We work with Xero, QuickBooks, and FreeAgent. If you're still running your books on spreadsheets, we'll help you move over to one of these as part of onboarding. It saves time from day one.

Can you help me catch up on backlogged bookkeeping?

+
Absolutely. A lot of our new clients come to us months or years behind. We'll scope a catch-up project up front, get you fully current, then roll you onto a monthly plan. No judgement, no drama.

How often will I receive financial reports?

+
Every month you'll get a profit & loss statement, balance sheet, and cash summary, written in plain English rather than accountant-speak. On our higher-tier plans we add visual dashboards tracking your key business metrics, plus forecasts and a monthly strategy call.

How quickly can I get started?

+
Usually within 72 hours of our intro call. We send a simple onboarding pack to sign, request access to your accounting software, and start on your first month's books straight away.
Let's connect

We'd love to hear from you.

Karam - SmartFlow Finance founder
Say hi to Karam Founder · SmartFlow Finance

Say hello.

Got a question, want a quote, or fancy a chat? Drop us a message, give us a ring, or book straight into the diary — whichever's easiest. We work with businesses across the UK from our base in East Sussex, and we'll usually come back to you the same day.

Phone +44 7597 968525
Email karam@smartflowfinance.com
Based in East Sussex · Serving businesses across the UK
Registered office Unit 82a James Carter Road, Mildenhall, Bury St. Edmunds, IP28 7DE
Book a call 30 minutes, no commitment →

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Less admin. More insight. Better decisions.

With streamlined bookkeeping and proactive finance support, we save you time and help you make smarter financial moves. Let's build a scalable, profitable future, together.

Book a free call Email Karam →