Monthly retainers for UK SMEs

Financial clarity for ambitious founders.

Business growth is great, and what I really love is to see you feel happier, less stressed, with more time for your family and friends, and really enjoying running the business you've built. If better finances help you get there, that's what we'll work on together.

The oversight of a Finance Director, on a flexible monthly retainer.

Ivelina Nikolova MAAT, founder of Clarity Accounts

Ivelina Nikolova MAAT, Founder

Live cash flow

+0%

Credentials & Trust

Qualified, insured, and trusted by UK businesses.

Qualified & Experienced

AAT qualified · Xero & QuickBooks certified

Professional Indemnity Insured

Fully insured for your peace of mind on every engagement

GDPR Compliant

Your financial data handled securely and confidentially

20+ Years Experience

Senior finance experience across multiple UK industries

Software Certifications

AAT Licensed Member (MAAT)Xero L1 Certified AssociateXero L2 Certified ProfessionalXero Payroll SpecialistQuickBooks Certified Level 1 ProAdvisorQuickBooks Certified Level 2 ProAdvisor

£150k+

Aged debt recovered for clients

1560%

Average cash-flow improvement

£16k

Reclaimed from HMRC for one client

The Clarity Portal

Your business, unpacked.

Every client gets access to a live, secure dashboard unifying their cash position, aged debt, P&L and KPIs in a single view.

Secure dashboard · app.clarityaccounts.co.uk

Scorecard · at a glance

Overall health80/100802

Cash today

£284,512

+12.4%

Aged debt > 60d

£42,180

-18.0%

Gross margin

62.1%

+1.8 pts

Scorecard · full breakdown

Live

Revenue

+8.2% vs last quarter

92/100

Profitability

Gross margin 62.1%

85/100

Cash position

£284,512 · 4.2 mo runway

78/100

Aged debtors

£42,180 over 60 days

54/100

Pricing

Fixed monthly fees. No surprises.

Full pricing

Foundations

From£200/mo

Up to 50 transactions per month

For sole traders and small businesses not yet VAT registered.

Book a 30-min call

Essentials

From£350/mo

50–200 transactions per month

For VAT-registered businesses, with quarterly VAT and CIS as standard.

Book a 30-min call
Most popular

Growth

From£550/mo

200–450 transactions per month

Detailed monthly management accounts and year-end support.

Book a 30-min call

Complete

From£850/mo

450+ transactions per month

Priority support and a near-outsourced finance function.

Book a 30-min call

In their words

Results, not platitudes.

Ivelina untangled years of errors, recovered over £150,000 in aged debts, and improved our cash position by over 1,560%, steering us away from liquidation.

Adam

Director, The Cloud Network

Ivelina brought instant clarity to our finances, reclaiming £16,000 from HMRC, resolving long-standing errors, and restoring complete reporting accuracy.

Director, UK Construction Group

(client details withheld for confidentiality)

Ivelina rebuilt our finance function from the ground up, boosting liquidity by 60%, eliminating errors, and driving greater profitability and confidence.

Director, UK Property Development Company

(client details withheld for confidentiality)

Ready for the relief of clean books?

30-minute discovery call. No obligation, no jargon - just a clear view of what's possible.