We are specialist accountants for UK contractors and PSC directors. IR35 status reviews, salary and dividend planning, expenses, and pension strategy. We only work with contractors, so we understand the specifics that a generalist accountant will not.
IR35 is genuinely complex and the rules changed significantly in April 2021. We help contractors understand their position, structure their affairs correctly, and avoid the tax and penalty risks of getting it wrong.
Composite snapshots based on patterns across our contractor clients. Names and figures anonymised. The tax mechanics are real.
“We reviewed the contract before renewal. Three working practice changes and the IR35 position shifted. Saved us over £14,000 that tax year.”
“I had been on umbrella for two years unnecessarily. Once we modelled it properly, moving to a PSC saved around £8,000 in year one.”
“Pension contributions from the PSC. I had no idea how tax-efficient it was. Set up in month one, and it will save us tens of thousands over the next few years.”
Your end client issued an SDS that says inside IR35. Or your agency told you the contract is outside. Or you just do not know. Getting this wrong costs you thousands in extra tax and penalties. We review your contract and actual working practices, not just the paperwork.
Umbrella is simpler. A PSC is usually more tax-efficient outside IR35. Inside IR35, the gap closes significantly. Most contractors who call us have never had anyone sit down and model both scenarios for their actual day rate and expenses. We do that.
The optimal salary/dividend split changes every year as rates and allowances shift. Taking too high a salary wastes NI. Taking too low a salary costs you state pension entitlement. Getting it right is a planning exercise, not a guess.
The 24-month rule on travel, home office costs, equipment, training and professional subscriptions. Most contractors we speak to are leaving something on the table, either through overcaution or because their accountant does not specialise in contracting.
We focus exclusively on contractors and PSC directors. That means our advice is grounded in how contracting works, not how a generic small business does.
We review your contract and working practices against the three key tests: control, substitution and mutuality of obligation. We tell you where you stand and what, if anything, changes.
Annual accounts, corporation tax, confirmation statement, Companies House filings, self assessment for you as a director. Clean, on time, no surprises.
We model the optimal director pay structure for your circumstances each tax year, accounting for your other income, pension contributions and the current rates.
An honest comparison based on your day rate, expenses and IR35 position. We show you the numbers for both, not a sales pitch for one.
Travel, home office, equipment, training, subscriptions. We make sure everything you are entitled to claim is claimed, and nothing that is not is included.
Employer contributions from your PSC are one of the most tax-efficient tools available to a contractor. We build this into your planning from day one.
IR35 works differently across sectors. We know the specific working patterns and risk factors in each.
The rules around IR35, off-payroll working, PSC dividends and contractor expenses are specific enough that a generalist accountant, however competent, will miss things. We see these issues every week across a large contractor client base, so we know where the risks and opportunities are.
| Area | Our approach |
|---|---|
| IR35 status review | Per contract, against actual working practices |
| Off-payroll rules (April 2021) | Understood for private and public sector |
| Corporation tax bands | 19% / marginal / 25% (modelled for your PSC) |
| Salary and dividend split | Optimised each tax year |
| Travel expenses (24-month rule) | Applied correctly, not guessed |
| Pension via PSC | Employer contributions built into planning |
| CEST and SDS advice | Explained plainly, not just the tool output |
IR35 rules, PSC dividends, the 24-month travel rule, off-payroll working. We see these issues every week, so we know where the risks and opportunities are.
Book a free call. We will talk through your IR35 position, your current structure and whether there are things worth changing. No hard sell, no obligation.
Plain English articles on IR35 status, off-payroll rules, limited company tax, expenses, dividends and pension planning. Written by specialist contractor accountants, not content agencies.