Luminary finance

Empower your business with structured financial solutions, ensuring efficiency, compliance, and sustainable growth through expert guidance and strategic planning.

1. Bookkeeping & Accounting

Stay on top of your finances with effortless accuracy. Feel the peace of mind that comes from knowing your books are meticulously managed, giving you the freedom to focus on growing your business.

Accounts Payable & Receivable Management

Efficient cash flow management is key to a healthy business. Our accounts payable and receivable service ensures that all invoices are processed accurately and on-time, preventing late fees and maintaining strong supplier relationships. We also track and follow up on outstanding customer payments, ensuring your business gets paid promptly while reducing the risk of bad debts. By streamlining your invoicing, collections, and payment processes, we help you maintain a stable financial position and improve working capital.

Bank Reconciliaton

Ensure financial accuracy with our comprehensive bank reconciliation service. We match your business’s transactions against bank statements to verify that all entries are correctly recorded. Any missing transactions, errors, or discrepancies are quickly identified and addressed, reducing the risk of financial misstatements. By maintaining accurate and up-to-date records, we help you avoid costly financial surprises and improve overall financial control.

Financial Statements

Ensure full financial transparency and compliance with precise financial statements. We compile and analyse balance sheets, income statements, and cash flow reports to give you a comprehensive view of your business’s financial position. Our Luminary approach ensures compliance with accounting standards while providing valuable insights for internal decision-making and external reporting.

Third-Party tools available

Account(s) Preparation

Stay ahead of financial deadlines with our monthly, quarterly or year-end account preparation, ensuring compliance with industry standards and reporting requirements with government regulations. Our service supports audit readiness and strategic financial planning, giving you confidence in your business’s financial integrity.

Making Tax Digital (MTD) makes it compulsory for businesses to use a digital system to keep tax
records, submit tax data and make payments.

2. Financial Reporting & Analysis

Turn numbers into insights for smarter decisions. Enjoy the confidence of having clear, actionable financial reports that empower you to make informed choices for your business.

Profit & Loss Analysis

A Profit & Loss statement isn’t just numbers – it tells the story of your business’s financial health. We provide detailed P&L analysis to track income, expenses, and profitability trends over time. Our insights help you pinpoint areas of overspending, optimise revenue streams, and ensure financial stability. Whether you’re preparing for growth, securing investment, or managing cash flow, we help you make informed decisions with precision.

Cash Flow Analysis

Cash flow is the lifeblood of any business, and maintaining liquidity is critical for sustainability. We provide detailed cash flow analysis by assessing your inflows and outflows, ensuring your business has the financial flexibility to cover operations, reinvest in growth, or optimise tax efficiency. Whether you need cash flow projections, budgeting assistance, or financial risk assessments, we help you stay in control of your working capital.

Financial Forecasting

Successful businesses don’t rely on guesswork – they use accurate financial forecasting. Our forecasting service analyses historical data, market trends, and industry benchmarks to predict future revenues, costs, and financial outcomes. We help businesses plan for growth, set achievable targets, and create flexible financial strategies that adapt to changing market conditions. Whether you’re planning expansions, investments, or cost reductions, our forecasting ensures you stay ahead of the curve.

Financial Dashboards

Tired of sifting through endless spreadsheets? Our financial dashboards provide a clear, visual representation of key financial metrics, allowing you to monitor your company’s performance in realtime. Track revenue, expenses, profitability, and cash flow all in one place with easy-to-understand visuals that support better decision-making.


Third-Party tools available

3. Tax Preparation & Filing

Simplify your taxes and maximise your savings. Experience the relief of stress-free tax management, with strategies designed to keep your business compliant while optimising your returns.

Self-Assessment Tax Filing

Managing your self-assessment tax return is more than just filing paperwork – it’s about ensuring you’re not paying more tax than necessary. We provide a full-service approach, reconciling invoices and bank transactions to accurately calculate deductible business expenses. Our experts identify applicable allowances, ensuring every eligible tax relief is applied before submission to HMRC. Whether you’re a sole trader, agency, or independent professional, we make the process seamless while keeping you fully compliant and in control of your finances.

VAT Registration & Management

Navigating VAT registration and filing can be complex, but our service ensures full compliance and accuracy. We handle the entire VAT registration process, guiding you through eligibility, documentation, and submission. Our specialists assess your business model to determine the most suitable VAT scheme – whether Flat Rate, Accrual, or Cash Basis – helping you optimise tax efficiency. We also manage periodic VAT filings, ensuring that your returns are submitted on time, reducing the risk of errors, penalties, or audits from HMRC.

VAT Return Preparation

VAT filing mistakes can result in unnecessary penalties and cash flow issues. Our service guarantees the accurate calculation of your VAT obligations, ensuring that input and output tax are correctly recorded. We manage the entire submission process, providing clear reports and handling VAT payment schedules. For businesses engaged in e-commerce, such as Amazon FBA, Dropshipping from outside the EU, or retail arbitrage, we assist with import/export VAT compliance, EORI registration, and HS tariff classifications, ensuring seamless international operations.

Corporation Tax Compliance

Corporation tax planning isn’t just about filing on time – it’s about ensuring your business isn’t overpaying. We calculate your corporation tax liability with precision, considering deductible expenses, R&D tax relief, and tax allowances that could reduce your overall bill. We handle all the paperwork and submissions, giving you peace of mind that your tax affairs are in order while maximising savings.

Trade Tariff & HS Code Compliance

We offer in-depth analysis of HS codes and trade tariffs, ensuring your business meets all regulatory requirements when importing or exporting goods. Our service includes duty optimisation strategies, helping businesses involved  in international commerce reduce costs and avoid compliance risks.

4. Consultation & Compliance

Navigate regulations with ease and stay ahead of the curve. Feel secure knowing you’re fully compliant, with expert advice that helps you adapt and thrive in an ever-changing financial landscape.

HMRC Guidance

Providing expert advice on compliance with tax laws and regulations, ensuring clients meet all statutory obligations.

Company Formation

End-to-end guidance on setting up a new business, including choosing the right legal structure, registering with Companies House, and ensuring compliance with all relevant regulations.

Custom Enquiry

No two businesses have the same financial structure, which is why we provide customised financial consulting based on your exact requirements. Whether you need support with unique tax structures, complex bookkeeping arrangements, or sector-specific compliance strategies, we offer tailored solutions to help you navigate the financial landscape effectively.

Contact us now.