Chartered Certified Accountants in Chester
Phillips & Co
Est. 2012 • Family-Run Firm • Xero Partner
- Fixed-fee Chester packages with zero surprise billing.
- Expert MTD for Income Tax support and HMRC compliance.
- Seamless Xero cloud software setups for total control.
Earn Over £50k from Self-Employment or Property? You Must Switch to Quarterly HMRC Tax Updates From 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 direct to HMRC.
The Software & Compliance Risk Managing MTD software and four annual deadlines all by yourself will drastically increase your HMRC penalty risk.
Our ‘Done-For-You’ Solution We quickly link your HMRC account to Xero and manage every quarterly update under one fixed-fee monthly 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.
With HMRC’s Making Tax Digital (MTD) mandate completely changing how individuals report their income, we specialise in making your transition to digital tax seamless and stress-free.
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
Full statutory account preparation
Corporation Tax (CT600) filings
Guaranteed HMRC compliance
Self-Assessment Tax Returns
Stress-free personal tax returns
MTD for Income Tax compliance
Support for directors and landlords
Business & Personal Tax
Corporate tax and VAT planning
Capital Gains & Inheritance advice
Proactive tax efficiency strategies
Making Tax Digital (MTD)
Seamless Xero software setup
Quarterly digital HMRC updates
Full April 2026 mandate compliance
Bookkeeping & VAT Services
Accurate day-to-day bookkeeping
On-time HMRC VAT submissions
Real-time financial business clarity
Payroll & CIS Management
On-time monthly payroll processing
Workplace pension administration
Accurate CIS returns for employers
Startup Accounting Services
Complete company formations
Proactive structural business advice
All initial HMRC registrations handled
Company Secretarial Services
Confirmation Statement filings
Statutory register maintenance
Protection against late penalties
Ready to simplify your finances? Contact our friendly team today.
Why Choose Phillips & Co Accountants?
- Proactive Tax Planning — We go far beyond simple compliance. We proactively review your company structure and expenses to ensure peak efficiency and total MTD for Income Tax compliance.
- Dedicated Personal Service —You will never be passed around a call centre. You work directly with a consistent, qualified accountant, who understands your financial goals and your history.
- 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 exceptional value all year round.
★★★★★
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 complete peace of mind, proactive tax planning, and seamless MTD compliance all year round.
(Note: Our Limited Company packages include the preparation and filing of your Confirmation Statement. The standard Companies House filing fee (£50) is charged separately. Cloud accounting software subscriptions, e.g., Xero, are not included in our package fees; these can be paid directly by you or managed by us and recharged at cost.)
Sole Trader Packages
From- Preparation of annual accounts
- Self-Assessment tax returns
- Full MTD for Income Tax compliance
Ltd Company Packages
FromFull Statutory Accounts (CT600)
Director Self-Assessment returns
Flexible VAT & Payroll add-ons
Partnership Packages
FromAnnual Partnership Tax Returns
Self-Assessments for two partners
Strategic profit allocation advice
Landlord Packages
FromDedicated property tax efficiency
Self-Assessment tax returns
Full MTD for Income Tax 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...
★★★★★
In over 50 years of using accountancy services, this company is the best ever found. Superb service and highly recommended.
John Prizeman,
Chester
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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Top-Rated Chartered Certified Accountants in Chester — rated 4.9/5 stars based on 96 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.