New to contracting?
No worries

Starting contracting is an exciting time but can seem daunting. The good news is that we’re with you every step of the way. From deciding between whether you’re better off setting up with a limited company or using an umbrella, to keeping track of your expenses, we make it all as stress-free as possible.

  • Complete business set-up

  • Help choosing between Limited and Umbrella

  • IR35 explained

Our all-inclusive fixed-fee monthly packages start at £69+VAT and include:

  • Direct line to your dedicated personal accountant
  • Free company incorporation
  • Help setting up bank accounts and insurance
  • 24/7 access to your accounts via FreeAgent software and app
  • Expert IR35 (legislation specific to contractors) guidance
  • All HMRC and Companies House returns completed & filed
  • Referral scheme – £100 Amazon gift card for every new client you refer
  • Access to contractor-specific mortgage, wealth & protection services

Why do contractors need an accountant?

If your goal is to earn more than £30k a year as a contractor, you’ll probably be better off financially if you set up as a Limited Company. Setting up and running a Limited Company in the right way, and taking your income from it tax efficiently can make a difference of up to 30% on your take home pay (compared with PAYE). Get good advice right from the start and you’ll be quids in.

How we help new contractors

The thought of setting up and running your own company can feel daunting, but with Aardvark you’re in safe hands. We’ll be with you every step of the way, getting you set up, supporting you with the day-to-day running of your business and helping you to maximise your take home pay while staying on the right side of the taxman. We work with new contractors every day and can talk you through everything you need to know, answering any questions you have.

You’ll have a direct line to your own dedicated personal accountant who’ll guide you through the entire process, from setting up your company to sorting out a bank account and getting insured. Once everything’s up and running, they’ll be there to support you whenever you need them.

  • Taiye Ogunnigbo
    03/12/20 - Google

    Been a pleasant experience working with Aardvark for my accounting needs. The team are quick to help with any... read more

    spencer welch
    03/08/20 - Google

    I can not recommend Aardvark highly enough. Louisa and team provide an incredibly responsive and tailored service. Great value for... read more

    Jon-Paul Hughes
    03/03/19 - Google

    I've been contracting for over ten years, and have never been happier since I moved to Aardvark. The accountancy... read more

    lfm10 Consulting
    03/08/20 - Google

    Aardvark Accounting was recommended to me by an acquaintance. Louisa Drewett and her team have done a sterling job providing... read more

  • Nazar Ivasyuk
    03/03/19 - Google

    I've been with Aardvark Accounting for 1.5 years and I think they are absolutely great. The communication is outstanding, I... read more

    Aniko Lelovics
    03/03/20 - Google

    I've come across Aardvark a few months ago when I setting up my limited company as a contractor. I decided... read more

    Mohammed Waiul Kasso
    03/10/20 - Google

    Excellent service, very responsive, always able to answer any questions or requests that I had and always gave me advice... read more

    Laszlo Kertesz
    03/03/20 - Google

    Louisa and her team at Aardvark set up my company when I started contracting in IT and has been invaluable... read more

  • Kim Goddard
    03/03/20 - Google

    Patience of saints and great service. Particular shout out to Diane and Tim for their service!

    Jon Cook
    03/03/21 - Google

    I've been with Aardvark since I jumped back into contracting in 2017. The team know the contracting industry inside and... read more

    Graham B
    03/02/21 - Google

    Aardvark did the accounts for my Ltd Co while I was a contractor in IT. They always provided excellent service... read more

    Andras Spitzer
    03/03/20 - Google

    I'm a Sr. IT professional who just recently started my own company and since I had no previous accounting experience... read more

  • Joe Perkins
    03/08/20 - Google

    I've been with Aardvark for a little over a year and cannot recommend them enough.I run my own LTD company... read more

    Richard H-A
    03/06/20 - Google

    Having been a client for over 2 years, I can honestly say I have been really pleased with their service.... read more

    Andrew Easter
    03/03/20 - Google

    As a technology consultant running my own business, I needed an accountancy service that I could rely on to handle... read more

    Sami Hoang
    03/06/20 - Google

    Our company have been with Aardvark for a few years now and we have received professional service throughout. We... read more

  • David Willis
    03/03/20 - Google

    Aardvark Accounting offers the best value for money service on the web for contractors managing their own Ltd companies. I... read more

    Michael Ewan
    03/10/20 - Google

    Aardvark Accounting have been our accountants for well over twelve months now and I can happily recommend themFar better value... read more

    XSD London
    03/08/20 - Google

    Amazing accountant who work exactly how I like. Everything is digital, they respond to emails quickly, and always have time... read more

    A Buckenhauser
    03/03/20 - Google

    Came recommended from my network and the service has been amazing. Swift and knowledgeable service. Already recommended Aardvark Accounting on... read more

  • Anthony Jones
    03/03/18 - Google

    Aardvark Accounting will go the extra mile to make sure you are on the right track and get to understand... read more

    Tommaso Gennari
    03/09/20 - Google

    I have started my freelance activity this year and I initially choose them for their value and, at the same... read more

    Kevin Penwarden
    03/09/20 - Google

    I have used Aardvark Accounting for a few years now, having switched from a large provider that I felt was... read more

    Luis Pereira
    03/03/20 - Google

    It has been a very rewarding experience to work with Aardvark. I would recommend their services to anyone looking for... read more

  • Shan Cowell
    03/09/20 - Google

    Aardvark are the most helpful and attentive accountants we have ever had. Their communication is thorough and rapid.LSK Productions highly... read more

    Odysseas Nanousis
    03/01/21 - Google

    Couldn't ask for a better accounting firm for my ltd.Always happy to help, explain any enquiries that you might have... read more

    Tony Remmer
    03/08/20 - Google

    I cannot speak more highly of Louisa and all of the team at Aardvark Accounting. A first class company and... read more

    Jonathan Godsell
    03/03/20 - Google

    The Aardvark team have been nothing but helpful in seeing me through the first fews months of running a Ltd... read more

  • Roman
    03/01/21 - Google

    Great company and top professionals. Louisa and the team have been truly fantastic looking after my ltd accounts while I... read more

    Daniel Titterton
    03/07/20 - Google

    I own a limited company and have been with Aardvark Accounting for 2 years now and would highly recommend to... read more

    Ian Gordon
    03/08/20 - Google

    I recently decided to go permanent again after 12 years of contracting (mainly due to the new IR35 legislation ☹️)... read more

    Tom Gallagher
    03/03/20 - Google

    We found Aardvark through the FreeAgent directory and our experience moving over to them was painless. Pricing is upfront and... read more

  • Flavio Pastano
    03/03/20 - Google

    I moved to Aardvark from another accountant and since then i haven't had any issue at all. Whenever i have... read more

    Ray C
    03/10/20 - Google

    Very high degree of customer service, very responsive and helpful, and does everything you need - all at a very... read more

    Owen Smith
    03/03/20 - Google

    Brilliant professional accounting service. They offer help whenever possible and actively go out of their way to accommodate any request... read more

    Adrian Mitchell
    03/08/20 - Google

    We have been using Aardvark Accounting since 2017 and their service has always been professional and responsive. We found... read more

  • Lewis Knaggs
    26/12/20 - Google

    I am very happy with the service they provide for my ltd business. They always have a friendly manor and... read more

    Luke Morgan
    03/01/21 - Google

    Great personal service, making accountancy and running a business easy! Extremely responsive and an overall pleasant experience with Aardvark Accounting!... read more

    Sanjeet Matharu
    03/03/20 - Google

    Really helpful and a great service overall. I'm useless at accounting but I get tonnes of constructive help here -... read more

    Stuart Munro
    03/03/20 - Google

    It's been a pleasure having Aardvark in our corner. Really appreciate all they do for 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

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

Get in touch. We’re all ears

Give us a call for a chat on
01425 471917

Or fill in our form and we’ll give you a call back