The Accountants Chester
Businesses & Landlords Trust
Phillips & Co provides local, proactive support with clear fixed-fee packages—helping sole traders, limited companies, and landlords across Chester, Wirral, and North Wales keep more of what they earn.
Your Accounting & Tax Partner in
Chester, Wirral & North Wales
Conveniently based at Chantry Court (just off Sealand Road) in Chester, Phillips & Co delivers expert tax, bookkeeping, and small business accounting services across Chester, Wirral, and North Wales.
As an ACCA-regulated firm of chartered accountants 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 Making Tax Digital mandates, we are more than just a service provider—we are your long-term financial partner.
Self-Employed or Landlord Turnover Over £30k?
Making Tax Digital is Here.
Since April 2026, the way you report your earnings to HMRC has officially changed. Here is how the rules impact your business:
Active Mandate & Upcoming Rollout
Sole traders and property investors with a qualifying turnover over £50k must now legally submit strict quarterly digital tax updates directly to HMRC. Furthermore, proactive business owners with a turnover over £30k must secure their systems today ahead of the strict April 2027 rollout.
The Compliance Risk
Navigating new software and four strict annual deadlines alone increases your risk of filing errors and unnecessary HMRC penalty points.
The Complete Solution
We handle your quarterly HMRC submissions and transition your financial data to a secure cloud platform. We strictly mandate that you retain 100% legal ownership of your software license, ensuring your data is never held hostage by an accountant, all managed alongside our transparent, fixed-fee packages.
Accountancy & Tax Services for
Chester Businesses & Landlords
Operating from Chester, Phillips & Co are the proactive accountants Chester professionals trust for targeted tax advice and HMRC compliance. Whether you are a local property investor, an ambitious startup, or an established limited company, discover exactly how we can support your long-term growth.
Sole Trader Accounting
Proactive tax planning and strict HMRC compliance, delivered in plain English to save you time and protect your profits.
- ✓ Making Tax Digital (MTD) setup
- ✓ Transparent fixed-fee pricing plans
- ✓ Seamless cloud software integration
Limited Company Accounting
Strategic corporate tax planning and trusted Companies House compliance to scale your business with complete confidence.
- ✓ Smart salary & dividend planning
- ✓ Corporation Tax return filing
- ✓ Year-end statutory accounts
Landlord & Property Tax
Expert property tax advice to maximise your rental yields while ensuring strict HMRC digital compliance for your portfolio.
- ✓ Section 24 tax-minimisation strategies
- ✓ Quarterly HMRC digital filings (MTD)
- ✓ Proactive rental yield planning
Business Partnership Tax
Complete financial mediation and accurate tax reporting to guarantee strict HMRC compliance and fair profit sharing for partners.
- ✓ Partnership tax return preparation
- ✓ Individual Self-Assessment filings
- ✓ Strategic profit-sharing allocation
Personal Tax & Self-Assessment
Stress-free filing of Self-Assessment tax returns for limited company directors and high earners, claiming all eligible reliefs.
- ✓ Accurate personal tax reporting
- ✓ Capital Gains Tax guidance & advice
- ✓ Bespoke director tax planning
Startup Business Services
Complete UK limited company formation and proactive tax structuring to streamline your launch and guarantee legal compliance.
- ✓ UK company formation & setup
- ✓ HMRC & Companies House registrations
- ✓ Initial financial & tax structuring
Ready to Keep More of Your Profit & Stress Less?
Partner with Chester’s proactive, ACCA-regulated accounting practice. Speak directly with Mark or Terry today for a clear, no-obligation fixed-fee review.
Why Choose Phillips & Co?
The Proactive Accountants Chester Businesses Trust
Our firm is built on trust, transparency, and outstanding results. We help local Chester business owners and property investors reduce their tax liabilities, save time, and scale with absolute confidence.
Proactive Tax Planning
We go beyond basic compliance. We review your business structure and expenses to ensure peak tax efficiency and strict Making Tax Digital compliance.
Dedicated Local Support
You will never deal with a call centre. You partner directly with a qualified, Chester-based accountant who takes the time to understand your business.
Transparent Fixed-Fees
Say goodbye to ticking clocks and unexpected invoices. Our transparent, fixed-fee monthly accounting and tax packages guarantee total financial peace of mind.
Rated 5 Stars by Chester Businesses & Landlords
Read how our proactive tax planning and dedicated local support have delivered measurable financial results and complete peace of mind for our clients.
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.
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, professional and clear.
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.
Phillips & Co have been invaluable in streamlining our landlord tax returns and MTD setup. Clear communication, transparent fixed pricing, and exceptional proactive advice every step of the way. I couldn't ask for a better firm.
Fixed-Fee Accountants
in Chester
Whether you are a sole trader, a limited company director, a business partner, or a property landlord, we offer clear, fixed-fee pricing tailored to your exact needs. No hidden costs or surprise bills—just proactive tax planning and flawless HMRC compliance.
Sole Trader Fee Packages
- ✓ Accurate year-end accounts production
- ✓ Timely Self-Assessment tax filing
- ✓ Year-round proactive tax support
Ltd Company Fee Packages
- ✓ Statutory accounts & Corporation Tax
- ✓ Director Self-Assessment filings
- ✓ Optional VAT & payroll support
Partnership Fee Packages
- ✓ SA800 Partnership Return filing
- ✓ Two individual partner tax filings
- ✓ Proactive year-round tax advice
Landlord Fee Packages
- ✓ Expert property tax planning
- ✓ Timely personal tax return filing
- ✓ Making Tax Digital (MTD) setup
* Landlord packages cover 1–2 properties. Additional units are simply +£15/month per property.
* Partnership packages include 2 partners. Additional partners are +£15/month per partner.
Latest Tax Insights
from our Chester Experts
Stay ahead of HMRC rule changes. We provide clear, jargon-free updates on Making Tax Digital, allowable business expenses, and tax planning strategies. Explore our latest guides below to ensure you remain strictly compliant, avoid penalties, and keep more of your hard-earned money.
July 31 Payment on Account Deadline: How Chester Sole Traders & Landlords Can Avoid Overpaying HMRC
Author: Phillips & Co Accountants, Chester As the July 31 Self Assessment payment on account deadline approaches, self-employed sole traders, partners, and landlords across Chester and North Wales are due to make their second tax instalment of the year to HMRC....
The First MTD ITSA Deadline (August 2026): Do You Actually Have to Pay Tax?
Author: Phillips & Co Accountants, Chester Date: 13 July , 2026 As we settle into July 2026, a historic milestone in the UK tax system has just been reached. The very first reporting quarter of Making Tax Digital for Income Tax Self Assessment (MTD for ITSA)...
Director Wealth Extraction 2026: The Optimal Salary vs. Dividend Split
Author: Phillips & Co Accountants, Chester Date: 01 July , 2026 Running a highly profitable limited company is only half the battle. Following the aggressive government Autumn Budget—which hiked Employer National Insurance to 15%, slashed the NI threshold to just...
"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."
Speak With Our Team.
Premium Accountancy & Tax Support.
To help our Chester-based team 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.
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Frequently Asked Questions
Whether you are looking to switch accountants or need expert guidance navigating MTD requirements, we are here to help. Below, we have answered the most common questions from local business owners and landlords regarding our fixed-fee packages, onboarding, and HMRC compliance.
What is Making Tax Digital (MTD) and does it affect me?
Since April 2026, the HMRC Making Tax Digital (MTD) mandate has been 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?
No, and this is entirely to protect your business. We strictly mandate that clients pay for and hold their own cloud software licenses directly. Many accountants bundle the software into their packages, which means they legally own your data and can lock you out of your own ledger if you ever decide to leave them. By paying for Xero directly, you retain 100% legal ownership and control of your financial records at all times.
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.
Visit Our Chester Office
Conveniently located at Chantry Court (just off Sealand Road) in Chester, Phillips & Co provides accessible, fixed-fee accounting and tax guidance for limited companies, sole traders, and landlords across Chester, Wirral, and North Wales.
Whether you prefer to meet in person over coffee to review your financial strategy or manage everything seamlessly online, our ACCA-regulated team is always here to support your practice.
Opening Hours
Mon – Fri: 9:00 AM – 5:00 PM
By Appointment OnlyDirections & Parking
Located just off Sealand Road (A548) with free client parking directly outside the building.