Contractors & Subcontractors

Accountants for contractors and subcontractors, with specialist CIS support.

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Supporting contractors and subcontractors across the South West with structured accounting, tax and advisory, helping you stay compliant, manage cash flow and build a more profitable business.

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Whether you operate as a subcontractor, main contractor or both, we provide the clarity and structure needed to manage your finances properly.

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Understanding Your Business

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Working as a contractor or subcontractor brings specific challenges.

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You may be working under the Construction Industry Scheme (CIS), managing deductions from your income, coordinating subcontractors on projects, balancing multiple roles across different jobs, and dealing with variable income and payment timing.

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Many businesses evolve over time, moving from subcontractor work into taking on contracts directly.

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This brings greater responsibility, more complex compliance requirements, increased financial risk, and the need for better financial control.

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At this point, basic accounting is no longer enough.

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Our Approach

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We provide a structured approach to accounting, tax and advisory, designed specifically for contractors and subcontractors.

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This includes:

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• ensuring CIS is handled correctly
• keeping your records up to date and usable
• helping you understand your true income and tax position
• supporting better financial decisions
• providing forward-looking guidance as your business grows

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So instead of guessing where you stand, you can:

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• understand your position during the year
• manage your cash more effectively
• plan ahead with confidence

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Understanding CIS Properly

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CIS is often misunderstood, and can significantly affect your cash flow and tax position.

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We help you:

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• understand how CIS deductions work
• ensure deductions are recorded correctly
• avoid overpaying tax
• manage your overall tax liability properly

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For contractors, we also ensure:

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• subcontractor reporting is handled correctly
• compliance requirements are met
• risks are minimised

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Giving you confidence that everything is being dealt with properly.

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Cash Flow Under CIS

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One of the biggest challenges for subcontractors is cash flow.

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With tax deducted at source, it can feel like you are earning less than you should, you don’t have full control over your income, and it is difficult to plan ahead.

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We help you implement a structured approach to managing your cash, including our Profit First system, so that:

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• you retain more control over your finances
• financial pressure is reduced

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Up-to-Date Numbers You Can Use

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Many contractors only see their financial position at the year-end or when their tax return is due.

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By that point, it is too late to act.

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We maintain your records regularly, so you can:

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• understand your current income and expenses
• see your real profitability
• track your tax position during the year
• make better decisions as you go

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As Your Business Develops

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Many subcontractors go on to grow their business.

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This may involve:

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• taking on larger contracts
• employing staff
• managing subcontractors
• moving into a limited company structure

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At this stage, you need more than compliance.

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You need:

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• clearer financial visibility
• better control over cash flow
• structured decision-making

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We support you through this transition, helping you move from subcontractor to business owner.

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Supporting Better Decisions

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We help you make better decisions around:

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• whether to operate as a sole trader or limited company
• managing tax efficiently
• taking on contracts and pricing work
• managing growth
• planning for the future

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Giving you confidence in how your finances are managed.

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How We Support Contractors & Subcontractors

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We typically support clients through a combination of:

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Accounting & Tax Support
Annual accounts, tax compliance and reporting, prepared properly and consistently, the foundation we provide for every client.

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Outsourced Finance Department
Running your day-to-day finance function: bookkeeping, VAT, payroll and supplier payments.

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Profitability & Business Advisory
Active advisory input, including Profit First, performance review and forward planning, for clients who want this layered on top.

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Together, this provides a structured approach not just basic compliance.

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Who This Is For

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This service is best suited to:

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• subcontractors working under CIS
• contractors managing subcontractors
• businesses operating in both roles
• sole traders and limited companies
• individuals and businesses looking to grow
• those wanting more clarity, structure and control

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Why Contractors & Subcontractors Choose Us

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We understand how contractors and subcontractors operate.

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We don’t just prepare tax returns, we help you:

• understand your real income and tax position
• manage cash flow more effectively
• make better financial decisions
• build a more stable and structured business

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A Long-Term Partner

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We work with our clients over the long term.

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Helping them move from:

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• uncertainty and reactive decisions

to:

• clarity, control and a more structured business