Contractor accountants in St Paul's Cray — from £75/mo, fixed.
IR35-aware contractor accounting for St Paul's Cray: we keep your company compliant, your drawings optimal and your engagements assessed — for a fixed monthly fee with no surprises. Covering South East London including St Mary Cray, Cray Valley West, Cray Valley East.
Contractor Accountants for St Paul's Cray — done properly, entirely online
IT, engineering, finance and interim contractors in St Paul's Cray working through personal service companies — inside or outside IR35, or moving between the two.
What's included
- Company accounts, corporation tax and confirmation statement
- Director payroll and dividend paperwork done properly
- Optimal salary/dividend mix reviewed every April
- IR35 status guidance on each engagement
- Real-time view of what you can safely draw
Why St Paul's Cray businesses pick Bohzo
Records in over the portal or WhatsApp, approvals from your phone, filings sent electronically — St Paul's Cray to HMRC without a single appointment.
Your fee is agreed before any work starts and never changes mid-job. No hourly billing, ever.
We track every HMRC and Companies House date that applies to you, so you don't have to.
Bohzo Accountants trades as Bohzo Ltd, registered in the UK under Company No. 15031604 — check us on Companies House any time.
Compare our fixed contractor accountants fees
| Your situation | Fixed fee |
|---|---|
| Essential: accounts, CT600, payroll, dividends | £75/mo |
| Plus: essential + VAT + bookkeeping | £105/mo |
| Complete: plus + Self Assessment + planning call | £125/mo |
| IR35 contract review (one-off) | £99 |
“From” pricing reflects the simplest case; anything more complex is quoted as a fixed fee in writing before work begins — and never changes after.
Online accountants vs the high street
Most local firms near St Paul's Cray quote low, bill by the hour and reserve the right to charge for every phone call. Our model inverts that: the fee is fixed and written down before work begins, questions are part of the service rather than billable events, and everything happens online — the reason St Paul's Cray pays the same as everywhere else.
There's no office to fund in St Paul's Cray and no office to visit: records travel through our secure portal or WhatsApp, approvals happen on your phone, and filings go to HMRC and Companies House electronically. You get the same qualified work — minus the overheads, the travel and the surprises on the invoice.
Contractor Accountants in St Paul's Cray: from first message to filed
Start with a message — no forms, no phone queue. Tell us what needs doing and we take it from there.
One fixed price before any work starts. Complex case? We say so now, not on the invoice.
The legal bits — ID verification, engagement letter — happen online in minutes, then your records come in via the portal or WhatsApp.
We prepare, you check and approve, we submit — and you get the HMRC confirmation the same day it's filed.
The same service in St Paul's Cray as anywhere — by design
St Paul's Cray sits in South East London (BR5), and like everywhere we serve, it gets the identical service and fee as central London — because nothing about our work depends on where you are. What matters is your situation, your records and your deadlines; all three travel over WhatsApp just fine.
Being in London, St Paul's Cray clients often come to us comparing against firms charging central-London rates for the same compliance work. The work is identical; the overheads aren't — and since we carry no premises anywhere, our fees don't care about postcodes.
Where we work around St Paul's Cray
St Paul's Cray sits in the borough of Bromley (St Paul's Cray ward), BR5 postcode area. St Paul's Cray clients often ask whether we also cover the surrounding villages and towns. We do — here's what "nearby" actually looks like from St Paul's Cray.
| Nearby | Distance from St Paul's Cray | Direction |
|---|---|---|
| St Mary Cray | 0.6 miles | south |
| Cray Valley West | 0.7 miles | west |
| Cray Valley East | 1.0 miles | south-east |
| Ruxley | 1.0 miles | north-east |
| Upper Ruxley | 1.1 miles | north-east |
Distances are straight-line, between place centres. Every listed place — and everywhere between — is served online at the same fixed fees.
St Paul's Cray contractor accountants FAQs
How does IR35 affect me?
If a contract is 'inside IR35', tax is broadly like employment; outside, you keep the company's flexibility on salary and dividends. Since the off-payroll rules, medium and large clients determine status — but the risk and planning still land on you. We review contracts and working practices so you know where each engagement stands.
What's the most tax-efficient way to pay myself?
Typically a modest salary (keeping NI credits) plus dividends from post-tax profits, reviewed each April as thresholds move. It depends on your other income and pension plans — the review is included in every package.
Can I switch accountants mid-contract?
Yes, any time. We handle professional clearance with your current accountant and take over the records — most switches complete within two weeks with nothing for your agency or client to notice.
Do I need to visit an office in St Paul's Cray?
No — there's nothing to visit and nothing to print. We're an online firm: records go through our secure portal or WhatsApp, and everything is filed electronically. It works the same whether you're in St Paul's Cray or anywhere else in South East London.
I searched "contractor accounting near me" — is this service really local to St Paul's Cray?
St Paul's Cray is fully covered, yes. The work is done online, which in practice means more local than an office: same-day replies instead of appointment slots, and the same published fixed fee whether you're in St Paul's Cray town centre or the edge of South East London. If you'd rather talk it through first, WhatsApp us — a real person answers.
Who will actually handle my contractor accounting?
Bohzo Accountants — a trading name of Bohzo Ltd, a registered UK company (No. 15031604). You get a named contact, a fixed fee in writing, and nothing is filed until you've reviewed and approved it.
How do your fixed fees work?
You tell us your situation, we quote one fixed price in writing before any work starts, and that price never changes mid-job. If your case is unusually complex we'll say so up front and agree a different fixed price — but the fee is always agreed before we begin, never after.
Tax, briefly — the parts that affect St Paul's Cray
Selling online, freelancing on the side, renting out equipment — each can be a "trade" in HMRC's eyes once it's done with a profit motive. The good news: registering is straightforward, expenses become claimable, and done early it's a non-event.
Plenty of people incorporate too early because it "sounds established", then pay for accounts, confirmation statements and payroll they didn't need. The switch pays for itself at the right profit level — the trick is knowing yours.
The July payment on account is the forgotten deadline: no return is due, but money often is. We diary it for every client it applies to, because HMRC charges interest from the day it's late even though nothing was "filed" late.
Ask any prospective accountant two questions: "what's included in the fee?" and "what costs extra?" The quality of those two answers predicts the whole relationship.
Inside-IR35 and outside-IR35 engagements need different setups — sometimes umbrella, sometimes the company, sometimes both across a year. Contractors who plan this per-engagement keep more and worry less.
Crypto traders rack up hundreds of taxable events without noticing, because every swap counts as a disposal. Specialist software plus the pooling rules turns the mess into a number; guessing does not.
The best time to switch is after a filing, but it works at any point in the year. What matters is not letting a looming deadline stop you: a new firm can usually pick up an in-flight year faster than you'd think.
Most self-employed people under-claim. Use of home, mileage at HMRC's approved rates, phone and broadband apportionment, trade subscriptions, training that updates existing skills — legitimate deductions left on the table add up to real tax overpaid year after year.
General guidance, not personal advice — thresholds and dates change. For advice on your own position in St Paul's Cray, message us and we'll answer against your actual numbers.
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