Most accountants turn up once a year with a tax bill you weren’t expecting. We give you live figures, a running tax estimate and a named accountant you can actually message, all for a fixed monthly fee.
5.0 on Google from 7 reviews. Fancy a blether first? WhatsApp us and Jamie or David will reply, usually the same working day.
Illustration for a limited company using current corporation tax rates (19% to 25% with marginal relief). Your real portal pulls these figures straight from Xero, QuickBooks or FreeAgent.
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What we do
Monthly reporting that helps you make real decisions, with a live dashboard connected to your Xero or QuickBooks. It’s our flagship service and where Jamie’s background in FP&A and forecasting really shows.
Book a free chatProfit and loss, balance sheet, cash flow and KPIs, delivered by the 10th of each month and laid out for your board or investors.
Compare locations, departments or companies in one view, and spot the one that’s quietly losing money before it costs you.
A rolling 12-month forecast with scenarios, so you can plan hiring, investment or expansion with confidence.
We plan ahead so you pay what you owe and not a penny more, from your first Self Assessment to passing on the family business.
Book a free tax reviewSoftware set-up, HMRC registration, quarterly updates and the final declaration, all handled. Not sure if it affects you? Take the two-minute check.
Get MTD-readyMTD for VAT: all VAT-registered businesses
Sole traders and landlords with income over £50,000
Income over £30,000
Income over £20,000
“Income” here means your combined self-employment and property turnover before expenses. HMRC hasn’t set a date for MTD for Corporation Tax.
We run your payroll and CIS so you can focus on the work, not the paperwork, whether that’s one employee or a site full of subcontractors.
Get a payroll quoteTax, National Insurance and pension deductions worked out and paid correctly every month.
Staff assessed, contributions calculated and reported to your pension provider.
We keep your books accurate and HMRC-ready in the software you already use, or help you choose the right one.
Get a bookkeeping quoteXero, QuickBooks and FreeAgent, with automatic bank feeds.
Standard, flat rate, cash accounting and partial exemption, filed on time every quarter.
A monthly profit and loss and balance sheet, so you always know where you stand.
Included with every plan
A secure dashboard connected to your accounting software, so you’re never waiting on a PDF to find out how you’re doing. Management accounts clients also get board-level reporting, KPIs and forecasts.
What you’ve earned, spent and have in the bank, right now.
Updated monthly, so year end holds no surprises.
VAT, payroll, Self Assessment and Companies House, chased in advance.
Accounts, returns and certificates in one secure place.
Quick question? Message Jamie or David directly. There’s no call centre.
Agreed upfront. No hourly rates and no year-end surprises.
Two-minute check
Four quick questions. We’ll tell you when MTD applies to you, when your next deadline is and how ready you are.
Clear, fixed prices
Pick your business type and what you need. The price updates as you go. We’ll confirm a fixed monthly fee after a free chat, with no obligation.
Already have an accountant?
Most people stay with an accountant they’ve outgrown because changing feels like hassle. Click through to see who does what.
Meet the directors
KA Financials is a Kilmarnock practice co-founded by two directors with over 10 years’ combined experience. When you message us, it’s one of us who replies.
Nine years in treasury, financial planning and public-sector finance. Jamie looks after management accounts, forecasting and tax, and loves turning a messy spreadsheet into a clear answer.
A background in practice accounting. David keeps compliance watertight and makes sure no deadline slips, from VAT quarters to your annual accounts.
One person who knows your business, not a rotating team.
Agreed upfront. No hourly-rate anxiety.
Every filing date tracked and chased in advance.
Coffee in Kilmarnock or a video call from anywhere in Scotland.
Don’t just take our word for it
“Can’t recommend Jamie and David enough, were on the ball from the word go. Had a meeting with both guys for an hour about issues i had been having especially with CIS tax and within 2 weeks most if not all my issues had been resolved.”
“I can’t recommend Jamie and David highly enough. They have been absolutely fantastic in managing all aspects of my business finances and have made what can often feel like a stressful process incredibly straightforward.”
“They took the time to really understand my business and helped me get proper visibility over my expenses, which made a huge difference to how I manage things day to day.”
“These guys are absolutely brilliant at what they do… nothing is too much bother for them, I can’t recommend them enough, they are just what you need for all your tax and self assessment…”
“David and the team were amazing, explained everything so clearly and understandably. Very easy to talk to and very responsive when looking for assistance. Would highly recommend”
“After doing my own tax returns for 8 years, i contacted the company as it was becoming alot doing it myself, david contacted me promptly explained everything i had to send him over & done it all for me, this has saved me hours of time…”
“Great communication, explains things very well, gets the job done perfectly and on time, friendly!”
How we help
Typical problems we see, and how we’d tackle them for you.
Directors making investment decisions on accounts that are months old. One company may be losing money and nobody knows.
Monthly management accounts for every entity, a consolidated group view and a 12-month cash flow forecast.
Problems spotted in weeks, not at year end, and decisions made on this month’s numbers.
Turnover over the threshold, records in a spreadsheet and an HMRC letter about quarterly updates.
Set up compatible software, bring the records across, register for MTD and switch on bank feeds.
Quarterly updates sent on time, and a live profit figure for the first time.
Paid entirely through PAYE, no dividend or pension planning and no one asking what else might qualify for relief.
Review how you take money out, time pension contributions and check eligibility for reliefs such as R&D.
A tax position you planned, rather than one you discover in a letter.
Subcontractors set up by hand, deduction rates never checked and gross payment status never reviewed.
Review past returns, verify every subcontractor, correct errors with HMRC and apply for gross payment status where it fits.
Correct deductions, a monthly routine that takes minutes and better cash flow.
Books done once a year, a couple of late VAT returns and a tax bill that came as a shock.
Cloud software with bank feeds, the right VAT scheme for you and a monthly summary in your inbox.
VAT on time every quarter, your tax bill visible months ahead and missed expenses claimed.
Straight answers
Fixed monthly fees, agreed upfront, with no hourly rates or surprise invoices. Sole traders start from £50 a month and limited companies from £200, with no VAT to add. Prices assume simple bookkeeping; if you have a high volume of transactions or records that need catching up, we’ll quote after reviewing them. Use the price builder for an instant estimate, then we’ll confirm after a free chat.
Yes, and plenty of clients prefer it. Ask a quick question, send a photo of an HMRC letter or book a call. A director reads every message. Please don’t send bank details or passwords on WhatsApp; we’ll give you a secure way to share documents.
Yes. We contact your previous accountant, handle professional clearance and request your records. You just tell us you’re ready.
MTD for VAT applies to every VAT-registered business. MTD for Income Tax started in April 2026 for sole traders and landlords with income over £50,000, drops to £30,000 from April 2027 and £20,000 from April 2028. Take the two-minute check to see where you stand.
Yes. Your portal connects to your Xero, QuickBooks or FreeAgent and shows your profit, cash, tax estimate and deadlines.
No. We’re based in Kilmarnock and happy to meet anywhere around Ayrshire, but we work with businesses across Scotland online.
Usually within a week of our free chat: engagement letter, ID checks, access to your records and your portal set up.
Get in touch
Book a free, no-obligation chat. Pick whichever is easiest for you.
