Chartered Certified Accountants in Chester
Phillips & Co
Est. 2012 • Independent Practice • 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 has officially changed. If you are a self-employed business owner or Chester property investor, here is exactly how the new Making Tax Digital (MTD) rules impact you:
The April 2026 Mandate: Sole traders and landlords earning over £50,000 must now submit strict quarterly digital tax updates directly to HMRC.
The Compliance Risk: Navigating complex new software and four annual deadlines alone drastically increases your exposure to HMRC penalties.
The ‘Done-For-You’ Solution: We seamlessly link your data to Xero and handle every single quarterly update under one 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. Let our Chester accountants handle the entire digital transition for you today.
Trusted Accountants in Chester for Limited Companies, Sole Traders & Landlords
Conveniently based on Chester Business Park, Phillips & Co delivers expert tax, bookkeeping, and accountancy services across Cheshire, North Wales, and the Wirral. We specialise in transitioning local businesses and property investors onto seamless, fixed-fee cloud accounting platforms.
As an ACCA-regulated practice established for over a decade, we provide clear, jargon-free advice designed to legally minimise your tax liability and keep you strictly compliant. From proactive tax planning to navigating complex Making Tax Digital (MTD) mandates, we are more than just a service provider—we are your long-term financial partner.
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 & Tax Services in Chester
Operating from Chester Business Park, we deliver highly targeted accounting and tax services designed to keep you compliant and financially confident. Whether you are a property investor, an ambitious startup, or an established limited company, discover exactly how we can support your growth.
Sole Trader Accounting
Proactive tax planning and strict HMRC compliance, delivered in plain English to save you time.
- Full April 2026 MTD readiness.
- Transparent fixed-fee pricing.
- Seamless Xero software setups.
Ltd Company Accounting
Strategic corporate tax planning and trusted Companies House compliance to scale your business.
- Smart salary & dividend plans.
- Corporation tax return filing.
- Year-end statutory accounting.
Landlord & Property Tax
Expert property tax advice to maximise rental yields and ensure strict HMRC digital compliance.
- Proven mortgage relief advice.
- Accurate property tax returns.
- Seamless MTD quarterly filing.
Business Partnership Tax
Expert financial mediation and accurate tax reporting to guarantee your strict HMRC compliance.
- Shared partnership tax return.
- Personal tax returns prepared.
- Fair, accurate profit sharing.
Personal Tax & Self-Assessment
Stress-free personal tax returns for directors and high earners, claiming all eligible reliefs.
- Accurate personal tax returns.
- Expert Capital Gains advisory.
- Director tax planning support.
Startup Business Services
Complete UK company formations and proactive tax structuring to launch your venture flawlessly.
- Complete UK company formation.
- All HMRC registrations sorted.
- Clear business setup guidance.
Ready to keep more of your profit and stress less?
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 corporate structure and business expenses to ensure peak tax efficiency and MTD readiness.
Dedicated Local Support
You will never deal with a call centre. Instead you will partner directly with a dedicated, qualified accountant who takes the time to truly understand your business.
Transparent, Fixed-Fees
Say goodbye to ticking clocks and unexpected invoices. Our transparent, fixed-fee monthly accounting packages guarantee you complete financial peace of mind.
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
FromYear-end accounts & tax returns
Complete Self-Assessment filing
Strict April 2026 MTD readiness
Ltd Company Packages
FromFull statutory company accounts
Director Self-Assessment filing
Quarterly VAT & payroll add-ons
Partnership Packages
FromAnnual partnership tax accounts
Tax assessments for co-partners
Strategic profit share guidance
Landlord Packages
FromDedicated property tax advisory
Complete Self-Assessment filing
Strict April 2026 MTD readiness
Expert Tax Insights from Accountants in Chester
Stay ahead of complex HMRC rule changes. We provide clear, jargon-free updates on upcoming tax deadlines, allowable business expenses, and proactive finance strategies. Explore our latest guides below to ensure you remain strictly compliant, stress less, and legally 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 Your Free Consultation with Expert Accountants in Chester
To help us understand exactly how we can support your business, please provide a few details below. We will review your specific requirements and follow up with a clear, fixed-fee quote and tailored next steps within 24 hours.
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Proudly rated 5.0 based on 100+ verified Google reviews.
Frequently Asked Questions
Whether you are looking to switch accountants or need immediate help navigating the new MTD mandates, we are here to help. Below, we have answered the most common questions we receive from local business owners and landlords. From our transparent, fixed-fee packages to strict HMRC deadlines, get the exact financial clarity you need before taking the next step.
What is Making Tax Digital (MTD) and does it affect me?
As of this month (April 2026), the HMRC Making Tax Digital (MTD) mandate is officially law. If you are a sole trader or a property landlord with a 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 complete transparency, which means zero surprise bills. Our fixed-fee monthly packages start from just £35/month for Sole Traders and Landlords, and £75/month for Limited Companies. This covers all your essential filing, proactive tax advice, and full MTD compliance in one predictable monthly payment.
Should I operate as a Sole Trader or a Limited Company?
This depends on your profit levels and long-term goals. However, with the strict new MTD rules now in effect for sole traders earning over £50,000, many high-earning individuals are finding that incorporating into a Limited Company offers far greater tax efficiency and legally bypasses the new quarterly HMRC reporting requirements. We can run the exact numbers for you during a free consultation.
Is Xero cloud accounting software included in your fees?
To ensure our monthly accountancy packages remain truly fixed-fee, your Xero subscription is maintained separately. Because software pricing can frequently fluctuate, keeping this separate protects you from unexpected price hikes in our accountancy fees. However, as a 100% Xero-integrated practice, our team handles your complete system setup, links your bank feeds, and ensures your data is perfectly structured to keep you strictly compliant.
Is it difficult to switch to Phillips & Co from another accountant?
Not at all. We make switching entirely frictionless. Once you give us the green light, we contact your previous accountant directly, obtain professional clearance, and securely transfer all your historical financial records. You do not have to lift a finger or have any awkward conversations.
Do you only work with businesses based in Chester?
While we are proud to be a trusted local firm based on Chester Business Park, our 100% digital, Xero-based infrastructure means we seamlessly support Limited Companies, sole traders, and landlords across Cheshire, North Wales, the Wirral, and the wider UK.