Chartered Certified Accountants in Chester
Phillips & Co
Est. 2012 • Family-Run Firm • 100% Xero Integrated
- Transparent Fixed-Fees: Monthly accountancy packages with zero surprise bills.
- MTD April 2026 Ready: We handle the entire digital HMRC transition for you.
- Top-Rated Local Experts: Proudly rated 5.0/5.0 across over 100 verified Google reviews.
Self-Employed or Landlord Earning £50k+? Quarterly HMRC Updates Start April 2026.
The way you report your earnings to HMRC is officially changing. If you are a self-employed business owner or a property investor in Chester, here is exactly how the new Making Tax Digital (MTD) rules impact you:
The April 2026 HMRC Mandate: Sole traders and landlords earning over £50,000 must submit strict quarterly digital tax updates directly to HMRC starting April 2026.
The Software & Compliance Risk: Managing complex MTD software and four annual deadlines yourself drastically increases your risk of facing severe HMRC compliance fines.
Our ‘Done-For-You’ Solution: We seamlessly link your HMRC account to Xero and manage every single quarterly update under one completely transparent fixed-fee package.
Don’t risk HMRC non-compliance penalties. Read our Ultimate Guide to MTD for Income Tax or explore our fixed-fee Sole Trader Packages and Landlord Packages, and let our Chester accountants handle the entire digital transition for you today.
Trusted Accountants in Chester for Businesses, Landlords & Individuals
Phillips & Co is your trusted local accountancy firm, conveniently based on Chester Business Park. We deliver expert tax, bookkeeping, and Self-Assessment services to sole traders, Limited Companies, and landlords across Cheshire, North Wales, and the Wirral.
As Chartered Certified Accountants (ACCA) established in Chester for over a decade (Est. 2012), we provide clear, jargon-free advice to help you minimise tax and grow with confidence. Whether you need a fixed-fee monthly package or a simple one-off tax return, our friendly team offers tailored support to suit your exact needs.
We are more than just a service provider—we are your long-term financial partner.
★★★★★
I feel that it is important to express my whole hearted appreciation of Phillips & Co for their work… Having been in business for 40 odd years with numerous accountants I have never had such a brilliant and professional service.
Neil Ferguson,
Wirral
Accountancy Services in Chester
From our office on Chester Business Park, we provide a complete range of accounting and tax services to keep you compliant and financially confident. Whether you are a landlord, a startup, a sole trader or an established Limited Company, discover how we can help.
Year-End Statutory Accounts
Complete statutory accounting.
Corporation Tax CT600 filings.
Guaranteed UK HMRC compliance.
Self-Assessment Tax Returns
Stress-free personal tax prep.
MTD for Income Tax compliance.
Expert landlord & pro support.
Business & Personal Tax
Corporate tax and VAT planning
Capital Gains & Estate advice.
Proactive tax efficiency plan.
Making Tax Digital (MTD)
Seamless Xero software setup.
Quarterly digital HMRC update.
Full April 2026 mandate ready.
Bookkeeping & VAT Services
Accurate day-to-day accounting
Punctual HMRC VAT submissions.
Real-time financial reporting.
Payroll & CIS Management
On-time monthly payroll tasks.
Workplace pension admin setup.
Accurate CIS employer returns.
Startup Accounting Services
Complete UK company formation.
Proactive structural guidance.
All initial HMRC setup handled
Company Secretarial Services
Confirmation Statement filing.
Statutory register maintained.
Protection against late fines.
Ready to simplify your finances?
Why Choose Phillips & Co Accountants?
Our ACCA-regulated practice is built on trust, transparency, and outstanding results. We actively help Chester business owners legally reduce their tax liabilities, save time, and scale with total confidence.
Proactive Tax Planning
We go beyond basic compliance. We proactively review your company structure and expenses to ensure peak tax efficiency and full MTD compliance.
Dedicated Personal Service
You never deal with a call centre. You work directly with a dedicated, qualified accountant who truly understands your specific business goals.
Transparent, Fixed-Fee Pricing
We replace the ticking clock and surprise bills with transparent, fixed-fee monthly packages. You get total peace of mind and incredible value.
Read Why Chester Businesses Trust Us
★★★★★
Caught between a rock and a hard place with my timeline to get my self-assessment over the line, they managed it before the deadline while saving me money. Prompt and accurate, they deliver an impeccable service, which I highly recommend.
Damien Mason,
Liverpool
★★★★★
I was reluctant to switch from my bookkeeper but needed an accountant for my limited company accounts. Making the leap to Phillips & Co was the right decision. Their team made the entire process painless and have been very patient, professional, and clear.
Christina Saunders,
Chester
★★★★★
I am absolutely made up with the service and attention to detail by Mark and Terry. They pay meticulous attention to every tiny query I have and are very good with evaluation and solutions at every step, delivering noticeable savings and greater efficiency.
Stephanie Lobo,
Chester
Fixed-Fee Accountants in Chester — Transparent Pricing
We offer clear, upfront pricing for every type of client. No ticking clock, no surprise bills—just peace of mind, proactive tax planning, and seamless MTD compliance all year round. Choose your business type below to explore our fee packages:
Sole Trader Packages
FromAnnual accounts & tax return preparation
Complete Self-Assessment tax submissions
Full Making Tax Digital (MTD) compliance
Ltd Company Packages
FromFull statutory corporate accounts
Director Self-Assessment tax submissions
Flexible quarterly VAT & payroll add-ons
Partnership Packages
FromAnnual Partnership Tax Return filed
Personal tax assessments for two partners
Strategic business profit share guidance
Landlord Packages
FromDedicated property tax & yield efficiency
Complete Self-Assessment tax submissions
Full Making Tax Digital (MTD) compliance
Tax Tips & News from Accountants in Chester
Don’t get caught out by complex HMRC changes. Phillips & Co shares clear, jargon-free alerts on upcoming tax deadlines, allowable expenses, and local business finance strategies. Read our latest guides below to help you stay fully compliant and keep more of your hard-earned money.
Making Tax Digital (MTD) Starts April 2026: The Ultimate Guide for Chester Sole Traders & Landlords
Author: Phillips & Co Accountants, Chester Date: 04 March, 2026 If you are a sole trader or a landlord, the way you report your income to HMRC is undergoing the biggest change in a generation. Making Tax Digital for Income Tax Self Assessment (MTD for ITSA)...
Missed the January 31st Tax Deadline? Here’s How to Stop the Fines Snowballing
Author: Phillips & Co Accountants, Chester Date: 26 February, 2026 January 31st has come and gone, and if you didn’t quite manage to submit your Self Assessment tax return on time, take a deep breath—you are far from alone. According to recent data, while over 11...
Do You File Your Own Company Returns? Read This Important Update
Author: Phillips & Co Accountants, Chester Date: 10 November, 2025 If you are one of the many company directors who handles their own administrative filings at Companies House, your usual routine is about to change. As Accountants in Chester advising many local...
★★★★★
From choosing my accounting software to filing my first year of accounts, the advice I have received from Phillips & Co Accountants has been second to none. I have been pleasantly surprised by how much support they have offered through the year, and I have very quickly realized how important a good accountant is to the success of your business. They are a pleasure to work with and I can’t recommend highly enough
Nigel Neath,
North Wales
Book a Free Consultation with Expert Accountants in Chester
Ready to keep more of what you earn? Schedule a no-obligation chat with our Chartered Certified team. Conveniently located on Chester Business Park, we are ready to help you legally reduce your tax bill, eliminate HMRC admin, and confidently navigate the April 2026 Making Tax Digital mandate.
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Proudly rated 5.0 based on 100+ verified Google reviews.
Frequently Asked Questions — Accountants in Chester
Thinking of switching accountants or stressed about the upcoming April 2026 MTD mandate? Phillips & Co has answered the most common questions we receive from local business owners and landlords. From our transparent fixed-fee Xero packages to strict HMRC deadlines, get the exact financial clarity you need below.
What is Making Tax Digital (MTD) and does it affect me?
Starting next month (April 2026), the HMRC Making Tax Digital (MTD) mandate becomes law. If you are a sole trader or a property landlord with a combined gross income over £50,000, you can no longer file a traditional annual Self-Assessment. You must use compatible digital software to submit quarterly tax updates to HMRC. Limited companies are currently exempt from this rule. At Phillips & Co, our MTD-ready packages handle this entire digital transition for you seamlessly.
How much do your accountancy packages cost?
We believe in 100% transparent, fixed-fee pricing with absolutely no surprise bills. Our monthly accounting packages start from just £32/month for Landlords, £32/month for Sole Traders, and £75/month for Limited Companies. We also offer one-off services, such as a standard Personal Tax Return for £295. All fees are discussed and agreed upon in advance, so you always know exactly what you are paying for.
Should I operate as a Sole Trader or a Limited Company?
This is one of the most common questions we receive! Generally, once your profits approach the £50,000 mark, a Limited Company becomes much more tax-efficient than operating as a sole trader. Furthermore, trading exclusively through a Limited Company completely exempts you from the new MTD quarterly reporting rules coming in April 2026. We offer a one-off Director’s Tax Efficiency Review (£495) to crunch the exact numbers for your specific situation.
Is Xero cloud accounting software included in your fees?
While our monthly fixed-fee packages cover all your HMRC compliance, filings, and expert advisory support, the subscription cost for cloud accounting software (such as Xero) is not included in the package fee. This software subscription can either be paid directly by you to the provider, or we can manage the license for you and recharge it at cost on your monthly invoice.
Is it difficult to switch to Phillips & Co from another accountant?
Not at all—we make switching completely effortless. Once you decide to join us, you simply provide us with your previous accountant's details. We will contact them directly on your behalf, request professional clearance, and securely transfer all your financial records and HMRC agent authorisations. There is no awkward conversation required on your part!
Do you only work with businesses based in Chester?
While our office is conveniently located on Chester Business Park—perfect for clients across Cheshire, North Wales, and the Wirral who prefer face-to-face meetings—we work with businesses, contractors, and landlords throughout the UK. Thanks to secure cloud accounting software like Xero, we provide seamless, real-time financial support no matter where you are based.