Sole Trader Accountants
Across Chester, Wirral & Liverpool
We handle your HMRC Self-Assessment filings, allowable business expenses, and proactive tax planning in plain English. Enjoy complete peace of mind while you focus on running your business—backed by transparent fixed monthly retainers from £65/month, zero added VAT, and direct ACCA accountant support across Chester, the Wirral, and Liverpool.
Complete Accounting Services
for Sole Traders Across Chester, Wirral & Liverpool
Operating as a self-employed professional shouldn't mean spending your evenings deciphering HMRC portals, worrying about missed deadlines, or overpaying tax. With fixed monthly packages from £65/month and zero added VAT, our ACCA-regulated team handles your complete statutory compliance, bookkeeping alignment, and proactive expense optimisation.
Year-End Accounts & Profit Statements
We reconcile your invoices, bank feeds, and receipts into clear, professional Profit & Loss summaries that reflect your true trading performance and satisfy HMRC standards.
Self-Assessment Tax Returns
End-to-end preparation and secure electronic submission of your mandatory SA100 return directly to HMRC, guaranteeing all personal allowances and trading reliefs are claimed.
Allowable Expense Optimisation
We systematically review every trading cost line to claim all legitimate deductions—including simplified mileage, use-of-home allowances, equipment write-offs, and professional subscriptions.
Income Tax, NICs & Representation
We calculate your precise Income Tax and Class 4 NIC liabilities, protect your qualifying State Pension credit records, and act as your official HMRC agent to manage all communications directly.
Making Tax Digital for ITSA Compliance
If your gross sole trader turnover exceeds £50,000, traditional once-a-year Self-Assessment reporting has transitioned to mandatory digital quarterly submissions. Sole traders with gross income above £30,000 must be fully compliant for the April 2027 mandate.
Maintain digital accounting ledgers and automated bank feeds using approved, MTD-compliant cloud software (e.g. Xero).
Submit digital summaries of your trading income and expenses to HMRC every 3 months, concluded by a Final Declaration.
Phillips & Co configures your compliant digital links and reviews each quarterly submission to protect you from late-filing penalty points.
How It Works: A Structured, Seamless Transition
Switching your sole trader accounts to Phillips & Co is straightforward, confidential, and completed with zero downtime.
Transparent Fixed Quote
We evaluate your turnover and filing obligations to issue a binding, itemised fixed-fee proposal with zero added VAT—with no phone number required and zero sales pressure.
Friction-Free Handover
We obtain formal HMRC agent authorization, establish digital account access, and request professional clearance from your previous accountant if you are switching practices.
Year-Round Peace of Mind
Run your business while we handle your bookkeeping oversight, quarterly MTD updates, year-end profit statements, and tax returns—with zero January tax deadline panic.
Trusted by Sole Traders
Across Chester, Wirral & Liverpool
Don’t just take our word for it. Read how our proactive accounting and transparent fixed retainers with zero added VAT help regional freelancers, self-employed consultants, and tradespeople maintain total compliance, claim all allowable deductions, and completely eliminate annual tax season stress.
“I have been with Phillips & Co since becoming self-employed in Chester. They are brilliant, efficient, and always happy to answer my questions. Having an accountant who proactively manages everything gives me complete peace of mind. Highly recommend!”
“Mark was brilliant from start to finish helping with my annual Self-Assessment. He made the entire tax process smooth, fast, and straightforward, pointing out allowable deductions I had missed. Have already recommended Phillips & Co to friends.”
“Fantastic accountants. Quick, informative, and nothing is ever too much trouble for Terry and his team. My annual Self-Assessment is completely stress-free and highly cost-effective with zero added VAT. Exceptional service throughout.”
Clear, Fixed-Fee Pricing
for Sole Traders
We believe expert accounting should never come with unexpected invoices. Our transparent monthly retainers give you total financial certainty, knowing your statutory HMRC compliance, Self-Assessment filings, and allowable expense claims are proactively managed with zero added VAT across Chester, Wirral, and Liverpool.
Whether you are newly self-employed, expanding your trade turnover, or preparing for mandatory Making Tax Digital (MTD for ITSA) reporting (£50,000+ turnover live mandate, and £30,000+ preparing for April 2027), choose your transparent fixed-fee tier below.
Sole Trader Pricing Guarantee: Flat Rates — Zero Added VAT
Save 20% Out-of-PocketBecause non-VAT registered sole traders cannot reclaim VAT on accounting fees, traditional accountancy practices charging standard VAT cost you an extra 20% on top. At Phillips & Co, our Essential package is exactly £65/month—delivering a guaranteed 20% out-of-pocket saving year after year.
Essential
Stress-Free Annual Compliance
- Annual Trading Accounts & SA100 Tax Return
- Direct ACCA chartered certified accountant support
- Proactive filing reminders & deadline guarantees
- Allowable business expense claim optimisation
Growth
Built for Scaling Businesses
- Includes every feature from our Essential package
- Quarterly VAT Return reconciliation & HMRC filing
- Integration with your direct cloud software setup
- Ongoing commercial growth & profitability advice
MTD Compliant
Complete Digital Peace of Mind
- Includes every feature from the Growth package
- All 4 quarterly MTD ITSA digital update submissions
- Final Annual Tax Declaration & audit defense
- Quarterly VAT Return management (if registered)
Important Bookkeeping & Software Operational Terms
Our fixed-fee compliance packages assume your digital transactions and connected bank feeds are reconciled prior to submission—either annually (Essential Tier) or quarterly (Growth & MTD Compliant Tiers). If historical transactions require significant cleanup or backlog matching, a transparent one-off Bookkeeping Rescue fee applies before filing.
Customise Your Package: Payroll & CIS Add-Ons
Payroll & RTI Submissions
Complete payroll processing for 1–2 staff with monthly RTI filings and secure digital payslips. Single-employee or spouse payroll available at £35.00/mo.
Monthly CIS Returns
Covers up to 5 subcontractors (+£3/mo per additional sub) with online HMRC verification, monthly return filing, and deduction statements.
PAYE or CIS Scheme Registration
Official one-off setup of your employer scheme with HMRC, including accounts activation, tax office references, and online portal linking.