Rated 5.0 on Google Fixed monthly fees, software included VAT, CIS, payroll and year end handled Liverpool, Wirral and Cheshire, UK-wide Run by Barnaby Byrom since 2023
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Management accounts for better hiring, pricing and cash decisions

Management accounts show a growing service business which contracts make money, what cash is available and what the next quarter may bring.

5.0 on Google. Can’t recommend these guys enough, saved the day when our previous accountant hadn’t been filling properly and we were facing fines. Worth their… Regent Barbers · Read the reviews
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A few quick questions, then a fixed monthly fee in writing and the free VAT and structure check. About two minutes, no tie in.

A team on payrollContracts with different margins

The bank balance can look healthy before payroll, VAT and supplier bills leave it. The useful question is what remains after those commitments, and whether the next hire or contract still works.

Concrete Accounts provides monthly or quarterly reporting for growing trade and service limited companies in Liverpool, Merseyside and across the UK. A fixed monthly fee with software included covers the agreed work, with job margins, cash commitments and the next quarter discussed in plain English by Barnaby Byrom.

Management accounts: Barnaby reviewing a rota with a cleaning company owner Service teams

The next hire looks affordable until payroll lands

5.0 · Fixed monthly feeGet a free quote
  • Rated 5.0 on Google
  • Fixed monthly fees, software included
  • VAT, CIS, payroll and year end handled
  • Liverpool, Wirral and Cheshire, UK-wide

What changes before the next commitment

01

Price work using the real margin

See which jobs and contracts still make money after wages, materials and other direct costs.

02

See what cash is already spoken for

Set the bank balance against payroll, VAT, corporation tax and supplier bills.

03

Make the next hire with evidence

Test the extra wage against expected work before making the commitment.

The decisions a bank balance cannot answer

A healthy balance today says little about wages, tax and supplier bills next month.

  • Margin

    “We won the contract, but I still cannot tell whether the hours and materials left any profit.”

    A busy team can spend months repeating underpriced work. Job margins show where the money is actually made.

  • Hire

    “The bank looked healthy, so I hired before payroll, VAT and supplier bills all came out.”

    The hire can squeeze cash already promised elsewhere. A forward view tests the commitment first.

  • Tax bill

    “I paid the corporation tax bill, then found the next payroll had nowhere sensible to come from.”

    That puts wages against an avoidable scramble. Tax and payroll need their own place in the coming months.

  • Day 90

    What changes once current advice is in the room?

    You see what each job contributes. Cash is set against wages, tax and suppliers. The next hire, raise or contract gets discussed before you commit.

Quick check · no email

If your accountant cannot explain job margins, forecast cash after payroll and tax, and answer before the decision is due, you have the wrong accountant

Answer three questions about what your current accountant can tell you this week.

Question 1 of 3

Could they show which jobs or contracts made money this month?

Where year-end filing stops helping the next decision

Annual accounts settle the past; a growing team also needs answers before committing cash.

Year-end filing

Shows the accounting year after it closes.

Supports Companies House and corporation tax filings.

Confirms what happened in the past.

Often arrives after the hiring decision.

Regular decision reports

Shows margin by job or contract.

Sets cash against payroll, tax and suppliers.

Looks at the coming quarter.

Gives Barnaby something current to discuss with you.

What must be ready before the report helps

Eight checks decide whether the answer will be useful or built on missing information.

  • 01

    Is the bookkeeping current?

    Yes means the report starts from this month rather than missing bills.

  • 02

    Can income and costs be tied to each job?

    Yes means job margins can be compared properly.

  • 03

    Is payroll up to date?

    Yes means team costs appear in the right month.

  • 04

    Are supplier bills entered?

    Yes means cash is not overstated before payment.

  • 05

    Are unpaid customer invoices listed?

    Yes means expected cash has a real invoice behind it.

  • 06

    Are tax commitments included?

    Yes means VAT and corporation tax are treated as spoken for.

  • 07

    Is the next decision named?

    A named hire, raise or contract gives the report a job.

  • 08

    Will someone act on the answer?

    Yes means the report changes a decision instead of sitting unread.

What sits behind each useful report

The useful part is the answer it gives before you spend or commit.

Monthly

Job and contract performance

See where wages, materials and other direct costs are leaving enough profit.

Cash

Bills before they land

Set current cash against payroll, suppliers and tax already due.

Quarterly

The next decision discussed

Talk through hiring, pricing and commitments with Barnaby before acting.

All Services →

Entry 01

What two growing teams needed each month

A team changes the question from what is in the bank to what the business can safely commit.

FigureFive engineerson the books
Found byAn engineering firm needed payroll, pensions, CIS where it applied and the year end run monthly.
ResultThe owner no longer had to rebuild the year in January.
AlsoBoth businesses had a team and recurring decisions, which is where regular reporting earns its place.
Entry 02Past £150,000with a cleaning team on payroll
Found byA cleaning company needed payroll and pensions monthly, VAT each quarter and regular reporting.
ResultThe owner could see what to put aside before the next quarter.

Clients described by type. Names withheld.

What clients say

Can’t recommend these guys enough, saved the day when our previous accountant hadn’t been filling properly and we were facing fines. Worth their weight in gold!
Regent BarbersGoogle review · 10 months ago
Exceptional service. Communication is clear, timely, and consistently accessible. After years of dealing with an accountant who was difficult to reach and overly formal, working with someone this reliable and solution focused has been a significant improvement. Strongly recommend.
James HenryGoogle review · 10 months ago
I’ve been blown away by the service from Barnaby! My accounts went from being a constant mental burden to something I feel completely under control — all thanks to him. Now I can shift my mental energy to running my business rather than worrying about unexpected tax bills. Barnaby not only stays on top of everything, but also sends me financial reports so I have clarity and always know exactly what’s going on, which has made running my business enjoyable again!
Oliver NoakesGoogle review · 10 months ago

How the first quarter builds a useful answer

The report starts with the decisions you need to make, then works back to the information required.

Before day one

Agree which decisions matter

Choose the jobs, contracts, hires and cash commitments the report needs to cover.

Day 30

Bring the month up to date

Bookkeeping, payroll, VAT and bank transactions provide the starting point.

Day 60

Find where profit is made

Compare work, unpaid invoices and upcoming bills before pricing or hiring again.

Day 90

Plan the coming quarter

Discuss the next commitment with Barnaby before money is promised.

Who gets value from regular reporting, and who will not

A side hustle or business still testing demand is too early for this service.

A one-off year-end filing does not provide enough current work.

A sole trader below the VAT threshold with no plan to incorporate is unlikely to fit.

We will not act where someone wants past entries changed to make a bill disappear.

A limited company with a team and recurring decisions can use the set-up review to check the right reporting frequency.

Questions growing business owners ask before starting

What does the monthly fee for management accounts include?

The scope depends on the business, but it can cover monthly bookkeeping, job or contract margins, cash after payroll and tax, and a view of the coming quarter. The cloud software is included. The work is agreed first, so the monthly fee covers a defined service without an unexpected invoice.

Can we get management accounts if we already have an accountant?

Yes. The first step is to find out whether the current accountant can supply useful monthly or quarterly information. If they can, staying may make sense. If they cannot, Concrete Accounts can review the set-up, explain the gap and handle the switch if the business is a fit.

Do we have to move accounting software?

No change is assumed. Concrete Accounts first checks what software you use, whether the bookkeeping is current and whether jobs or contracts are coded consistently. If a move is needed, the reason and steps are explained before anything changes. Cloud software is included in the agreed monthly service.

What happens with our current accountant if we switch?

Concrete Accounts contacts the previous accountant directly and requests the information needed for the handover. Onboarding is free, with no catch-up fees to move where the stated rules apply. Your reporting schedule is then agreed around the decisions the business faces.

Should a growing business get reports monthly or quarterly?

Monthly work suits a business with a team, several contracts, changing job margins or frequent hiring and pricing decisions. Quarterly work may be enough when activity is steadier. The right frequency depends on how quickly the answer becomes out of date, and the set-up review checks that before the scope is agreed.

How are these reports different from year-end accounts?

Year-end accounts look back over a completed accounting period and support statutory filing and corporation tax. Regular reports are built for decisions during the year. They can show job or contract margins, cash committed to payroll and tax, and what the coming quarter may look like before money is committed.