IR35 worries?
We’ll show you the way

Whether you know all there is to know about it, or haven’t a clue, we can guide you through the legislation and support you on all things IR35. From talking you through the basics of off-payroll legislation to helping you appeal a client decision or giving you the free use of an Umbrella company, we’ve got it all covered. Join Aardvark and ditch the IR35 stress.

What is IR35?

Simply put, IR35 or ‘off payroll’ is a piece of legislation that determines whether you are legally entitled to the tax advantages of being paid for your work on a contract via your Limited Company, or whether you should be taxed as an employee. If ‘inside’ IR35, you’re considered a permanent employee and will be taxed as one, either via your client’s payroll or via an umbrella company. If ‘outside’ IR35, you’re deemed to be self-employed and are allowed to structure your income so as to benefit from the lower rates of tax that apply to dividend income.

How does IR35 affect contractors?

Most contractors prefer to work on contracts that are found to be outside of IR35, because it’s more tax efficient and therefore gives them a higher take-home pay. Since April 2021, the contractor is no longer in charge of assessing their own IR35 status, based on a number of HMRC rules, and it is now the responsibility of the end hirer.
The rules used to determine IR35 status did not change, so in theory, contacts outside IR35 before April 2021 should continue to be so. However, our experience of the changes being implemented in the Public Sector suggest that some end hirers may take a more risk averse stance, deeming a larger proportion of contractors as inside IR35 as a result.

How can Aardvark help?

The IR35 reform may result in some contractors needing to work through an Umbrella Company at least temporarily. There will also be instances where contractors need to appeal a decision made by their end hirer.

As an Aardvark client, we’ll support you with:

  • IR35 advice and contract reviews from your Client Director – you’ll get straightforward feedback and advice on your contracts including suggested changes to make to your contract and working practices in order to make an ‘outside’ determination more likely
  • Support discussing IR35 with agencies and end clients – As well as specific advice on how you can change the way you work in order to allay any client concerns, we have also created a guide for agencies and clients that you can send on or use as a discussion point. See the section below.
  • Free use of umbrella service should the need arise – it’s simple to switch back and forth to our umbrella partner (SG Umbrella – we’re part of the same group), you can even use both at the same time, and because we’ll have a holistic view of your finances, we’ll be able to give you better tax advice too Just give us a call.
  • 3 months free Tax investigation Service – included for all ‘essentials plus’ clients and available at £7.50 per month for ‘essentials’ clients after the 3 free months have ended, TIS can protect you against any of the possible legal costs that could be incurred in defending a future HMRC IR35 enquiry.

If you want this kind of IR35 support from your accountant, what are you waiting for? Get in touch today.

What you get with Aardvark Accounting

Clear Advice

  • We’re unstuffy, straightforward but well-qualified people

  • We know IR35 and all tax legislation inside-out
  • We only deal with contractors so we understand how you work
Team
£69

Value pricing

  • All-inclusive packages from £69 per month

  • FreeAgent software and unlimited advice included
  • No set-up fees, tie-in periods or leaving fees

Prices

Clever stuff

  • We’re plugged in to FreeAgent – leading accounting software

  • Send invoices, record expenses and integrate with your business bank account
  • We get what we need to do your accounts from FreeAgent

About us

Pricing

What you get:

  • Set-up or Switch Service
    Set-up
    • Company incorporation
    • Bank account set-up
    • Tax registration

    Switch
    • We get your records from existing accountant
    • We inform Companies House and HMRC
  • FreeAgent software
    • Accounting software and app
    • Send invoices, record expenses
    • Real-time view of your accounts
    • Gives us everything we need too!
  • IR35 and Tax advice
    • Unlimited advice direct from your accountant
    • Find the most tax efficient business set-up for you
    • Discuss and agree on the most tax efficient combination of salary and dividends
    • IR35 explained!
  • All HMRC and Companies House submissions
    The following are all statutory obligations as the Director of your own business. Don’t worry – we’ll make sure they’re all filed accurately and on time:
    • VAT filing
    • Accounts
    • CT600 and computation
    • Annual confirmation statement
    • Real Time tax estimates
  • Payroll for one employee
    • Being an employee of you Limited Company, you will need to be paid!
    • We run the payroll and pay you personally from your business account
  • Use of Umbrella Company
    When you’re with Aardvark, you have the safety net of being able to switch between your Limited Company and an Umbrella Company if you need to due to IR35. You’ll still deal with your Aardvark Accountant and we’ll switch you back as your contracts allow.
  • Free contractor-specific financial advice
    We work closely with a number trusted Financial Advisers who specialise in helping contractors. Discuss how to replicate the benefits you had as an employee, discuss a specific need, or for a free financial health-check to ensure that you’re making the most of your Limited Company and the investment opportunities that it can bring.
  • £100 Amazon voucher for every new client you refer
    As a client, you simply tell your friend or colleague to mention your name when they enquire and we’ll make sure that you receive your £100 Amazon voucher by email once they’ve been on board for 3 months. It’s as simple as that, and you can refer as many people as you like – you’ll get a voucher for each and every one.
  • Preferential rates for small business, personal and buy to let accounting
    Our sister company Vantage Accounting specialises in small business, personal and buy-to-let accounting. Many of our contracting clients also work with Vantage for their broader accounting needs, and receive a discounted rate plus a more holistic approach to their finances as a result.
  • One Self Assessment Tax Return
    As a Limited Company Director, you will be obliged to complete a self-assessment tax return each year. With Essentials Plus, we take care of this for you.
  • Free Contractor Insurance
    Most clients will legally require you and your company to be covered by insurance before they will give you the work. It’s also essential for your own peace of mind. With essentials plus you get a package perfect for contractors, underwritten by Hiscox:
    • Professional indemnity insurance – £2,000,000
    • Public liability insurance – £5,000,000
    • Employer’s liability insurance – £10,000,000
  • Tax investigation insurance
    Tax Investigation Insurance protects you and your Company if you are chosen for an HMRC enquiry - including IR35 enquiries. With Essentials Plus, you get £100,000 cover from Markel Tax
  • Registered office address
    You can use our address as your registered address, which gives you a professional edge and keeps your home address out of the public domain. Your accounting post will come to us so we can deal with it for you.
  • Unlimited IR35 written contract reviews
    IR35 status is a big concern for some contractors, with the decision-making power being shifted in April 2021 to the end hirer. Our IR35 Contract and Working Practices reviews give you practical advice on your contract and working practices in a format that you can easily use for discussion with your hirer.
  • Payroll for an additional employee
  • 2nd Self Assessment Tax Return
  • References
    We will provide income references for mortgages, tenancy, student loan purposes etc

Essentials

£69/month +VAT
£69/month +VAT
  • £14 +VAT per month
  • £7.50 +VAT per month
  • £3 +VAT per month
  • £8 +VAT per month
  • £5 +VAT per month
  • £14 +VAT per month
  • £30 per reference
Best Value

Essentials Plus

£110/month +VAT
£110/month +VAT
  • £8 +VAT per month
  • £5 +VAT per month
  • £14 +VAT per month
  • £30 per reference

Duo

£130/month +VAT
£130/month +VAT

What you get:

  • Set-up or Switch Service
    Set-up
    • Company incorporation
    • Bank account set-up
    • Tax registration

    Switch
    • We get your records from existing accountant
    • We inform Companies House and HMRC
  • FreeAgent software
    • Accounting software and app
    • Send invoices, record expenses
    • Real-time view of your accounts
    • Gives us everything we need too!
  • IR35 and Tax advice
    • Unlimited advice direct from your accountant
    • Find the most tax efficient business set-up for you
    • Discuss and agree on the most tax efficient combination of salary and dividends
    • IR35 explained!
  • All HMRC and Companies House submissions
    The following are all statutory obligations as the Director of your own business. Don’t worry – we’ll make sure they’re all filed accurately and on time:
    • VAT filing
    • Accounts
    • CT600 and computation
    • Annual confirmation statement
    • Real Time tax estimates
  • Payroll for one employee
    • Being an employee of you Limited Company, you will need to be paid!
    • We run the payroll and pay you personally from your business account
  • Use of Umbrella Company
    When you’re with Aardvark, you have the safety net of being able to switch between your Limited Company and an Umbrella Company if you need to due to IR35. You’ll still deal with your Aardvark Accountant and we’ll switch you back as your contracts allow.
  • Free contractor-specific financial advice
    We work closely with a number trusted Financial Advisers who specialise in helping contractors. Discuss how to replicate the benefits you had as an employee, discuss a specific need, or for a free financial health-check to ensure that you’re making the most of your Limited Company and the investment opportunities that it can bring.
  • £100 Amazon voucher for every new client you refer
    As a client, you simply tell your friend or colleague to mention your name when they enquire and we’ll make sure that you receive your £100 Amazon voucher by email once they’ve been on board for 3 months. It’s as simple as that, and you can refer as many people as you like – you’ll get a voucher for each and every one.
  • Preferential rates for small business, personal and buy to let accounting
    Our sister company Vantage Accounting specialises in small business, personal and buy-to-let accounting. Many of our contracting clients also work with Vantage for their broader accounting needs, and receive a discounted rate plus a more holistic approach to their finances as a result.
  • One Self Assessment Tax Return
    As a Limited Company Director, you will be obliged to complete a self-assessment tax return each year. With Essentials Plus, we take care of this for you.
  • Free Contractor Insurance
    Most clients will legally require you and your company to be covered by insurance before they will give you the work. It’s also essential for your own peace of mind. With essentials plus you get a package perfect for contractors, underwritten by Hiscox:
    • Professional indemnity insurance – £2,000,000
    • Public liability insurance – £5,000,000
    • Employer’s liability insurance – £10,000,000
  • Tax investigation insurance
    Tax Investigation Insurance protects you and your Company if you are chosen for an HMRC enquiry - including IR35 enquiries. With Essentials Plus, you get £100,000 cover from Markel Tax
  • Registered office address
    You can use our address as your registered address, which gives you a professional edge and keeps your home address out of the public domain. Your accounting post will come to us so we can deal with it for you.
  • Unlimited IR35 written contract reviews
    IR35 status is a big concern for some contractors, with the decision-making power being shifted in April 2021 to the end hirer. Our IR35 Contract and Working Practices reviews give you practical advice on your contract and working practices in a format that you can easily use for discussion with your hirer.
  • Payroll for an additional employee
  • 2nd Self Assessment Tax Return
  • References
    We will provide income references for mortgages, tenancy, student loan purposes etc

Essentials

£69/month +VAT
£69/month +VAT
  • £14 +VAT per month
  • £7.50 +VAT per month
  • £3 +VAT per month
  • £8 +VAT per month
  • £5 +VAT per month
  • £14 +VAT per month
  • £30 per reference

What you get:

  • Set-up or Switch Service
    Set-up
    • Company incorporation
    • Bank account set-up
    • Tax registration

    Switch
    • We get your records from existing accountant
    • We inform Companies House and HMRC
  • FreeAgent software
    • Accounting software and app
    • Send invoices, record expenses
    • Real-time view of your accounts
    • Gives us everything we need too!
  • IR35 and Tax advice
    • Unlimited advice direct from your accountant
    • Find the most tax efficient business set-up for you
    • Discuss and agree on the most tax efficient combination of salary and dividends
    • IR35 explained!
  • All HMRC and Companies House submissions
    The following are all statutory obligations as the Director of your own business. Don’t worry – we’ll make sure they’re all filed accurately and on time:
    • VAT filing
    • Accounts
    • CT600 and computation
    • Annual confirmation statement
    • Real Time tax estimates
  • Payroll for one employee
    • Being an employee of you Limited Company, you will need to be paid!
    • We run the payroll and pay you personally from your business account
  • Use of Umbrella Company
    When you’re with Aardvark, you have the safety net of being able to switch between your Limited Company and an Umbrella Company if you need to due to IR35. You’ll still deal with your Aardvark Accountant and we’ll switch you back as your contracts allow.
  • Free contractor-specific financial advice
    We work closely with a number trusted Financial Advisers who specialise in helping contractors. Discuss how to replicate the benefits you had as an employee, discuss a specific need, or for a free financial health-check to ensure that you’re making the most of your Limited Company and the investment opportunities that it can bring.
  • £100 Amazon voucher for every new client you refer
    As a client, you simply tell your friend or colleague to mention your name when they enquire and we’ll make sure that you receive your £100 Amazon voucher by email once they’ve been on board for 3 months. It’s as simple as that, and you can refer as many people as you like – you’ll get a voucher for each and every one.
  • Preferential rates for small business, personal and buy to let accounting
    Our sister company Vantage Accounting specialises in small business, personal and buy-to-let accounting. Many of our contracting clients also work with Vantage for their broader accounting needs, and receive a discounted rate plus a more holistic approach to their finances as a result.
  • One Self Assessment Tax Return
    As a Limited Company Director, you will be obliged to complete a self-assessment tax return each year. With Essentials Plus, we take care of this for you.
  • Free Contractor Insurance
    Most clients will legally require you and your company to be covered by insurance before they will give you the work. It’s also essential for your own peace of mind. With essentials plus you get a package perfect for contractors, underwritten by Hiscox:
    • Professional indemnity insurance – £2,000,000
    • Public liability insurance – £5,000,000
    • Employer’s liability insurance – £10,000,000
  • Tax investigation insurance
    Tax Investigation Insurance protects you and your Company if you are chosen for an HMRC enquiry - including IR35 enquiries. With Essentials Plus, you get £100,000 cover from Markel Tax
  • Registered office address
    You can use our address as your registered address, which gives you a professional edge and keeps your home address out of the public domain. Your accounting post will come to us so we can deal with it for you.
  • Unlimited IR35 written contract reviews
    IR35 status is a big concern for some contractors, with the decision-making power being shifted in April 2021 to the end hirer. Our IR35 Contract and Working Practices reviews give you practical advice on your contract and working practices in a format that you can easily use for discussion with your hirer.
  • Payroll for an additional employee
  • 2nd Self Assessment Tax Return
  • References
    We will provide income references for mortgages, tenancy, student loan purposes etc
Best Value

Essentials
Plus

£110/month +VAT
£110/month +VAT
  • £8 +VAT per month
  • £5 +VAT per month
  • £14 +VAT per month
  • £30 per reference

What you get:

  • Set-up or Switch Service
    Set-up
    • Company incorporation
    • Bank account set-up
    • Tax registration

    Switch
    • We get your records from existing accountant
    • We inform Companies House and HMRC
  • FreeAgent software
    • Accounting software and app
    • Send invoices, record expenses
    • Real-time view of your accounts
    • Gives us everything we need too!
  • IR35 and Tax advice
    • Unlimited advice direct from your accountant
    • Find the most tax efficient business set-up for you
    • Discuss and agree on the most tax efficient combination of salary and dividends
    • IR35 explained!
  • All HMRC and Companies House submissions
    The following are all statutory obligations as the Director of your own business. Don’t worry – we’ll make sure they’re all filed accurately and on time:
    • VAT filing
    • Accounts
    • CT600 and computation
    • Annual confirmation statement
    • Real Time tax estimates
  • Payroll for one employee
    • Being an employee of you Limited Company, you will need to be paid!
    • We run the payroll and pay you personally from your business account
  • Use of Umbrella Company
    When you’re with Aardvark, you have the safety net of being able to switch between your Limited Company and an Umbrella Company if you need to due to IR35. You’ll still deal with your Aardvark Accountant and we’ll switch you back as your contracts allow.
  • Free contractor-specific financial advice
    We work closely with a number trusted Financial Advisers who specialise in helping contractors. Discuss how to replicate the benefits you had as an employee, discuss a specific need, or for a free financial health-check to ensure that you’re making the most of your Limited Company and the investment opportunities that it can bring.
  • £100 Amazon voucher for every new client you refer
    As a client, you simply tell your friend or colleague to mention your name when they enquire and we’ll make sure that you receive your £100 Amazon voucher by email once they’ve been on board for 3 months. It’s as simple as that, and you can refer as many people as you like – you’ll get a voucher for each and every one.
  • Preferential rates for small business, personal and buy to let accounting
    Our sister company Vantage Accounting specialises in small business, personal and buy-to-let accounting. Many of our contracting clients also work with Vantage for their broader accounting needs, and receive a discounted rate plus a more holistic approach to their finances as a result.
  • One Self Assessment Tax Return
    As a Limited Company Director, you will be obliged to complete a self-assessment tax return each year. With Essentials Plus, we take care of this for you.
  • Free Contractor Insurance
    Most clients will legally require you and your company to be covered by insurance before they will give you the work. It’s also essential for your own peace of mind. With essentials plus you get a package perfect for contractors, underwritten by Hiscox:
    • Professional indemnity insurance – £2,000,000
    • Public liability insurance – £5,000,000
    • Employer’s liability insurance – £10,000,000
  • Tax investigation insurance
    Tax Investigation Insurance protects you and your Company if you are chosen for an HMRC enquiry - including IR35 enquiries. With Essentials Plus, you get £100,000 cover from Markel Tax
  • Registered office address
    You can use our address as your registered address, which gives you a professional edge and keeps your home address out of the public domain. Your accounting post will come to us so we can deal with it for you.
  • Unlimited IR35 written contract reviews
    IR35 status is a big concern for some contractors, with the decision-making power being shifted in April 2021 to the end hirer. Our IR35 Contract and Working Practices reviews give you practical advice on your contract and working practices in a format that you can easily use for discussion with your hirer.
  • Payroll for an additional employee
  • 2nd Self Assessment Tax Return
  • References
    We will provide income references for mortgages, tenancy, student loan purposes etc

Duo

£130/month +VAT
£130/month +VAT

Get in touch. We’re all ears

Give us a call for a chat on
01425 471917

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