ACCA qualified accountants supporting UK small businesses
Friendly advice. Clear communication. No surprises.
At PJCO, we believe our success grows alongside yours. We support small business owners with practical accounting, tax and business advice that helps them run more efficiently and plan with confidence. From cloud bookkeeping to specialist tax services, we are here to make all facets of your business feel manageable.
At PJCO, we know running a small business can feel demanding, especially with changing tax rules and tight deadlines.
That is why we provide steady, reliable support throughout the year, not just when accounts are due.
Our ACCA-qualified accountants and trainees are approachable, well-trained, and focused on clear communication. As part of that practical support, we can recommend and implement cloud-based systems, such as QuickBooks Online, tailored to the way your business operates. This helps improve efficiency and makes it easier to stay on top of your numbers.
We believe in friendly service, honest advice and no surprise fees. Our aim is simple: to help you stay compliant, pay only the tax legally due and receive practical guidance that supports your growth.
I selected Peter based on the very positive online reviews, and can confirm other reviewers very positive experiences.
Peter was able to offer expert (and reassuring) advice at our initial meeting and this was followed up with an email later that day outlining what we'd discussed. The free initial meeting and costings were all clearly laid and Peter's email gave a clear cost for a follow up report. So at all times I knew what to expect.
Highly recommended.
I selected Peter based on the very positive online reviews, and can confirm other reviewers very positive experiences.
Peter was able to offer expert (and reassuring) advice at our initial meeting and this was followed up with an email later that day outlining what we'd discussed. The free initial meeting and costings were all clearly laid and Peter's email gave a clear cost for a follow up report. So at all times I knew what to expect.
Highly recommended.
Accounting and business support
Year-end accounts services
Preparation and filing of statutory accounts for limited companies and sole traders, with clear explanations of the results.
Outsourced finance function
Accurate and regularly updated records that help you clearly understand your current financial position.
Management accounts
Regular management reports that highlight performance, margins and costs, not just year-end figures.
Cashflow services
Practical cash flow management that keeps money moving smoothly and avoids unexpected shortfalls.
Taxation & compliance
Personal tax / Self Assessment tax return
Don’t go it alone and miss out; we complete your Self Assessment return carefully and on time, ensuring all income is declared correctly, and allowances are claimed where available. With MTD for ITSA on the way, we help sole traders and landlords keep digital records, submit required updates and stay fully compliant with HMRC.
Corporation tax services
Corporation Tax returns are calculated, prepared and filed accurately, with careful review of legitimate opportunities to reduce the overall tax liability.
VAT & indirect tax services
Our VAT experts complete your VAT returns, manage registrations and advise on suitable schemes for your situation. We ensure your systems meet MTD requirements and that your VAT submissions are accurate and on time, reducing the risk of errors and penalties.
Payroll and auto-enrolment services
Payroll is processed accurately and on time, workplace pensions are managed efficiently, and all auto-enrolment duties are handled to ensure full compliance without unnecessary stress.
Advisory & growth
Business advice services
Our outsourced Financial Director services provide practical, numbers-based advice to help you improve profitability, control costs, and plan your next stage of growth.
Funding services
We have partnered with a range of brokers to make it easy for businesses to access funding. Using their platforms, not only will you find lenders who specialise in your industry but you’ll also find lenders most likely to give you an offer.
Cloud accounting
Workflow analysis
Efficiency in your processes can make a difference in your profitability. We assess your business needs and consider where the use of the software will provide opportunities for improvement.
System implementation
As Advanced Certified Pro Advisers in QuickBooks Online, our extensive knowledge of the cloud accounting workspace allows tailored software recommendations, smooth set up and full implementation aligned to your business needs.
Support and training
To get the most from your software, you need to know how it works. We not only provide training but also remain available to provide ongoing support to maximise your investment.
Financial planning
Personal wealth & pension planning
Pension and personal wealth services are delivered with a focus on tax efficiency and long term security.
Whilst we do not provide investment advice itself, we will discuss your options in full and make introductions to authorised Independent Financial Advisers where appropriate, to meet your requirements in full.
Mortgage services
Working with Private Premier Finance*, we assist self-employed individuals with mortgage applications by preparing the right financial information and guiding you through the process as a business owner.
Employee benefits services
We’ve partnered with local Employee Benefits specialists, Engage Health Group, to assist our clients in sourcing the most appropriate benefits provision, and at the best possible price.
Specialist knowledge to help you grow
Industries we serve
Landlords & property
Mortgage interest restrictions and changing tax rules have made property taxation more complex.
Rental accounts are prepared accurately, ownership structures reviewed and long-term tax strategies considered. Support with MTD for ITSA ensures digital compliance and smoother quarterly submissions.
Contractors & freelancers
Deciding how to trade and understanding IR35 rules can be confusing. A poor structure often leads to unnecessary tax liabilities.
We provide clear guidance on limited companies versus sole trader status, along with salary and dividend planning. IR35 reviews and support with MTD for Income Tax Self Assessment make digital record keeping and quarterly reporting far more manageable.
Construction (CIS)
Construction businesses face fluctuating cash flow, tight margins and strict CIS compliance. Mistakes in subcontractor verification or reverse charge VAT can quickly become expensive.
Our team handles CIS returns, gross payment status applications and sector-specific tax planning, helping contractors stay compliant while protecting profitability.
Professional services
Consultants and professional firms depend on expertise and reputation, yet many lack clear insight into margins and cash flow. Reactive accounting can limit strategic growth.
We help in accurate year-end accounts, proactive tax planning and meaningful management information.
Digital services & media
Digital and media businesses often manage project-based income, overseas clients and uneven cash flow. Our accounting support focuses on clear reporting, VAT guidance for digital services and practical advice that works around busy production schedules.
With up-to-date figures and regular performance insight, we help business owners understand profitability across projects and revenue streams.
Why choose us
You are in good hands. Our team specialises in cloud-based business apps and utilises QuickBooks Online back-office accounting to make your business more efficient and profitable. With a focus on forward thinking, we continue to develop and train our ACCA-qualified accountants to provide top-notch business, accounting, and tax services.
Specialist small business support
We focus on owner-managed businesses and smaller companies, so our advice is tailored to the real issues you face every day.
Cloud accounting experts
With extensive experience as QuickBooks Online advisers in the UK, we help streamline your accounting through modern cloud systems.
Fixed fee transparency
Clear, fixed-fee quotes are provided at the outset, ensuring you fully understand costs before work begins with us.
Practical business and tax advice
We don’t just file returns – we help you plan better tax outcomes and provide actionable business guidance.
Approachable and accessible team
Our team is friendly, knowledgeable, and ready to speak with you clearly about taxes, accounts, or any other financial questions you have. |
Support at every stage
Whether you’re starting up or looking to grow, we work with you to understand where you are and help you get where you want to be.
