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.

  • 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

    Steve
    17/02/21 - Google

    Business customer for 3+ years. Great value service - my thanks to all the team!

    Angela Barry
    03/02/21 - Google

    The team at Aardvark are excellent. Very responsive and knowledgeable. I highly recommend.

    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

  • Sue Rowe
    03/02/21 - Google

    Aardvark offer good value for the services they provide. Freeagent is excellent & easy to use, and the team are... read more

    Daniel Cotton
    03/02/21 - Google

    My experience of Aardvark Accounting has been nothing short of flawless since I began using them for my business and... read more

    Jamie Maguire
    03/02/21 - Google

    I used to do my own accounts and after finding myself in a tangled knot of numbers a few years... 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

  • Mark Olliver
    03/01/21 - Google

    First accountant i have had that answer questions quickly and does not wait until the end of the year to... read more

    Simon Broekhuis
    03/01/21 - Google

    I started my own Limited company in 2016 and started doing my books on my own. Months went by and... read more

    Antonios Karamitros
    03/01/21 - Google

    Very glad I chose to use Aardvark for my Ltd.They've been extremely helpful and diligent.Everything is done on time, with... 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

  • 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

    Ride London
    03/01/21 - Google

    I've been with Aardvark for two years now and the service has been consistenly excellent.My experience is that Aardvark are... 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

    Roman “RY33”
    24/12/20 - Google

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

  • Ride London
    16/12/20 - Google

    I've been with Aardvark for two years now and the service has been consistenly excellent.

    My experience is that Aardvark are...
    read more

    Odysseas Nanousis
    11/12/20 - 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

    Antonios Karamitros
    09/12/20 - Google

    Very glad I chose to use Aardvark for my Ltd.
    They've been extremely helpful and diligent.
    Everything is done on time, with...
    read more

    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

  • David Morley
    03/12/20 - Google

    I have used Aardvark Accounting since 2018 and the service from the whole team has been brilliant throughout. Highly recommend.

    Daniele Murroni
    03/12/20 - Google

    I've been using Aardvark Accounting for my ltd company and they were excellent in all the aspect. They were fast... read more

    Carly Bond
    08/11/20 - Google

    Really pleased with the services received from Aardvark Accounting. They are always very responsive to any questions I have (which... read more

    craig mark
    03/11/20 - Google

    Fantastic accountants, great value , always quick to respond to questions and their use of FreeAgent software makes it very... read more

  • Yousof El-Sayed
    03/10/20 - Google

    Good accountants, responsive and helpful, quick to aid with any issues

    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

    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

    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

  • Simon Betteley
    03/10/20 - Google

    Have used these guys as my accountants for the last two years. Been more than happy with their service... read more

    Michael Knysok
    03/09/20 - Google

    We started our company two years ago with big plans and little expertise in running a business. After an initial... read more

    Saijie Sim
    03/09/20 - Google

    I have used Aardvark for just over 2 years and have been pleased with the work done so far. They... read more

    Lucy Wadley
    03/09/20 - Google

    I set-up my limited company with Aardvark who worked very rapidly to help me get started as I was against... 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

    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

    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

  • Jonas Haefele
    03/08/20 - Google

    I was really nervous signing up for a remote online accountant, rather than an old-school accountant that I can sit... 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

    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

    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

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