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 advising you on the differences between a limited company and using an umbrella, to helping you keep track of your expenses, we’ll help make things 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
- 3 months free Fee Protection Cover
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, advising you on getting set up and supporting you with accounts and tax advice so you can get on with the day-to-day running of your business. 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. Once everything’s up and running, they’ll be there to support you whenever you need them.
Pricing
What you get:
- Set-up or Switch ServiceSet-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 submissionsThe 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 your Limited Company, you will need to be paid!
- We run the payroll and pay you personally from your business account
- Use of Umbrella CompanyWhen 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 adviceWe 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.
- £150 John Lewis voucher for every new client you referAs 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 £150 John Lewis voucher by email once they’ve been on board for 6 weeks. 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 accountingOur 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 ReturnAs 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 InsuranceMost 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
- Fee protection coverFee protection cover covers the costs of professional fees should your company be chosen for an HMRC enquiry - including IR35 enquiries. With Essentials Plus, you get £100,000 cover from Markel Tax
- Registered office addressYou 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 reviewsIR35 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
- ReferencesWe will provide income references for mortgages, tenancy, student loan purposes etc
Essentials
- £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
Essentials Plus
- £8 +VAT per month
- £5 +VAT per month
- £14 +VAT per month
- £30 per reference
Duo
What you get:
- Set-up or Switch ServiceSet-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 submissionsThe 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 CompanyWhen 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 adviceWe 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 referAs 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 accountingOur 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 ReturnAs 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 InsuranceMost 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
- Fee Protection CoverProtects 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 addressYou 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 reviewsIR35 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
- ReferencesWe will provide income references for mortgages, tenancy, student loan purposes etc
Essentials
- £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 ServiceSet-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 submissionsThe 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 CompanyWhen 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 adviceWe 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 referAs 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 accountingOur 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 ReturnAs 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 InsuranceMost 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
- Fee Protection CoverProtects 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 addressYou 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 reviewsIR35 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
- ReferencesWe will provide income references for mortgages, tenancy, student loan purposes etc
Essentials
Plus
- £8 +VAT per month
- £5 +VAT per month
- £14 +VAT per month
- £30 per reference
What you get:
- Set-up or Switch ServiceSet-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 submissionsThe 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 CompanyWhen 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 adviceWe 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 referAs 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 accountingOur 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 ReturnAs 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 InsuranceMost 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
- Fee Protection CoverPotects 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 addressYou 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 reviewsIR35 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
- ReferencesWe will provide income references for mortgages, tenancy, student loan purposes etc
Duo
What you get with Aardvark Accounting
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