Cloud accounting software that keeps your accountant close to the decisions
Cloud accounting software gives your limited company one place for bank feeds, receipts and current books. With Concrete Accounts, it is included in the fixed monthly fee.
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
Get a free quote
A few quick questions, then a fixed monthly fee in writing and the free VAT and structure check. About two minutes, no tie in.
The subscription is the small decision. Who checks uncategorised payments, spots a missing receipt and tells you what to put aside before the bill lands? Barnaby works from the same books during the year and explains each quarter in plain English.
Concrete Accounts is a Liverpool accountancy practice for owner-managed limited companies across the UK. Its fixed monthly fee includes the online software, bookkeeping support and quarterly reporting. Bank feeds and phone receipts feed the same books Barnaby uses, and every new client receives a free review after joining.
Limited companies
The software is running, but who checks the gaps?
- 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 when the books stay connected
See what the bank feed misses
Unexplained payments are raised while the purchase is still easy to remember.
Send receipts before they disappear
Photograph each receipt on your phone instead of rebuilding the year from paper.
Set money aside from current books
Barnaby uses the monthly work and quarterly report to explain what tax is coming.
Where a software-only set-up starts to break
A connected bank account still leaves decisions that the app cannot make.
- Tax bill
“The bank feed was connected, so I assumed the books were finished for year end.”
Unexplained payments can remain in the books. The tax estimate may then rest on incomplete information.
- VAT
“I uploaded the receipts, but nobody checked how the VAT had been treated.”
A wrong VAT code can flow into the return until someone reviews it.
- Switch
“I paid for the app myself and still heard nothing until the filing deadline.”
You carried the subscription and the admin. The advice arrived after the decision.
- Day 90
What changes once the advice joins the software
The bank feed brings transactions into one place. Phone receipts give each purchase a reason. Barnaby reviews the books and explains what needs attention before year end.
Quick check · no email
If they cannot check your VAT set-up, forecast the tax bill and answer you this week, you have the wrong accountant
Answer these three questions about the accountant looking after your company now.
Question 1 of 3
Could they tell you this week whether your VAT scheme is the right one?
Could they tell you what your tax bill is likely to be before it lands?
Could they answer a software or bookkeeping question this week?
The gap is real because nobody is checking the decisions behind the entries. The set-up review is the sensible next step.
Part of the service is working, which gives you a reasonable base. Check the missing area, because one short VAT review previously found a serious overpayment.
Your accountant is covering the important ground. Keep the relationship and use the guides when a new decision comes up.
What you get when software and advice sit together
Both options can file accounts, but they ask very different things of the director.
Software bought on its own
You pay the subscription separately.
The bank feed imports transactions.
Receipts appear only when someone uploads them.
A year-end accountant can work well if you keep everything tidy.
Software included with the accountant
The subscription sits inside the agreed monthly scope.
Bank feeds support the monthly bookkeeping.
Phone receipts attach evidence while the purchase is fresh.
Barnaby uses the same books for quarterly reporting and tax decisions.
Eight checks before you rely on the set-up
Each yes removes a common reason for rebuilding the books at year end.
- 01
Is the company bank account connected?
Yes means transactions arrive without manual retyping.
- 02
Does each purchase have its receipt?
Yes means the evidence is attached while the purchase is fresh.
- 03
Are VAT codes checked before filing?
Yes means the treatment is reviewed rather than assumed.
- 04
Is director spending kept separate?
Yes means personal payments can be dealt with correctly.
- 05
Is payroll posted every month?
Yes means wages and deductions reach the books promptly.
- 06
Do subcontractor deductions match the CIS return?
Yes matters when the company uses CIS subcontractors.
- 07
Is the tax amount reviewed during the year?
Yes means you can adjust what the company puts aside.
- 08
Can your accountant explain the quarter plainly?
Yes means the books help with the next decision.
What the software handles, and where Barnaby steps in
The system collects the information; the monthly service turns it into an answer.
Bank transactions arrive without retyping
The feed brings company account activity into the books for review.
Receipts reach the right purchase
Upload them from your phone before they disappear into the van or a drawer.
The quarter guides the next decision
Barnaby explains the tax position and what the company should put aside.
Entry 01
What one review found behind the bank feed
A shared system is useful when someone checks what has already been filed.
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 software becomes useful in the first quarter
The set-up begins with the decisions your company needs it to support.
The scope matches the business
Barnaby checks what is going wrong and which monthly work the company needs.
Bank feeds and receipts are moving
The software is set up, the bank connection works and you have a simple route for receipts.
The monthly books support decisions
Transactions are matched, gaps are raised and the bookkeeping no longer waits for year end.
The quarter ends with an answer
The quarterly report explains what came in, what went out and what tax is coming.
Who should pause before changing the set-up
A sole trader below the VAT threshold with no plan to incorporate is unlikely to need this monthly service.
Someone wanting only a one-off return needs a different type of arrangement.
A side venture without established turnover is too early for this set-up.
Anyone asking for accounts to be altered will be refused.
The intake questions show whether the set-up review is worth doing, without forcing a switch.
Questions directors ask before moving their books
What does Cloud accounting software include in the monthly fee?
The fixed monthly fee includes the software used for the agreed accounting work. Your package can cover monthly bookkeeping, VAT, CIS, payroll, year-end accounts, corporation tax and quarterly reporting, depending on scope. Bank feeds and phone receipts keep the books moving, while Barnaby explains what needs attention in plain English.
Can we get Cloud accounting software if we already have an accountant?
Yes. You can first compare what your current accountant provides against a joined-up monthly service. If you decide to switch, Concrete Accounts contacts the previous accountant directly, moves the information across and completes onboarding in the first week. The new books are then reviewed for errors after you join.
Do we have to move from our current accounting software?
Not always. The first step is to check what you use now, whether the bank feed works and how much history needs moving. If a change is sensible, Concrete Accounts sets up the new system and helps move the accounting information. The accounting need decides whether a change is worthwhile.
What happens with our current accountant when we switch?
Concrete Accounts contacts your current accountant directly after you accept the written scope. They request the handover information and move the accounting work across, so you do not have to manage the awkward conversation. Onboarding is free and completed in the first week, with no catch-up fees to move where the stated rules apply.
What does a bank feed actually do for the company books?
A bank feed brings transactions from the company bank account into the accounting system. It cuts down manual entry and makes missing items easier to spot. It does not explain a payment or prove the VAT treatment by itself, so receipts and a regular review still matter.
How do phone receipts work, and when does Barnaby see them?
You photograph or upload the receipt from your phone and attach it to the relevant purchase. Barnaby works from the same books during monthly bookkeeping and quarterly reporting, so questions can be raised before year end. The service does not monitor every payment live.
Three ways to take the next step
Start with the free set-up review
Answer a few quick questions for a personalised recommendation, and if there is a fit the free review comes next.
Get a free quote 02 · A question firstNeed to ask about your current set-up?
Send Barnaby a question about the software, the monthly scope or moving from your current accountant.
Ask Barnaby a question 03 · Still decidingStill deciding what the software changes?
Read the guides for plain answers on bookkeeping, VAT, tax and running a limited company.
Read the guides →