Stop guessing.
Start knowing.
Most accountants show up once a year with a tax bill you weren't expecting. We give you live financials, real-time tax estimates and a dedicated accountant — so you're never caught off guard again.
Your finances, live.
Not next month.
Every client gets a secure portal connected directly to their Xero or QuickBooks — real figures, updated in real time. No waiting. No chasing. No surprises.
Switching is easier than you think — we do it for you.
We contact your current accountant, request your records and manage the entire handover. You don't lift a finger.
Accountants who speak plain English
KA Financials Limited is a Scottish accountancy practice co-founded by two directors with over 10 years of combined industry experience. We combine proactive financial advice with technology most small firms simply can't offer.
A dedicated accountant
One person who knows your business — not a call centre or rotating team.
Fixed monthly fees
Agreed upfront. No hidden charges, no hourly-rate anxiety, no year-end surprises.
Deadlines managed for you
Every filing date tracked and chased in advance — nothing is ever missed.
Real-time client portals
Live accounts, tax position and documents — not a quarterly PDF.
Switching is easier than you think.
Most people stay with an accountant they've outgrown because changing feels like hassle. It isn't — we handle the entire switch for you, including contacting your current accountant.
Three steps.
Zero hassle.
Including contacting your current accountant and managing all professional clearance — you barely lift a finger.
You say the word
A quick chat to understand your business — then you give us the go-ahead. That's the hardest part done.
We handle the handover
We contact your previous accountant, request your records, and manage all professional clearance.
You're up and running
Your portal is live and deadlines are tracked — usually within a week.
Management Accounts
CEO and board-level financial insight — monthly reporting that drives real decisions, with live dashboards and multi-location analysis that rivals the Big 4.
Your finances, live.
Board-ready, every month.
Every management accounts client gets a live portal connected directly to your Xero or QuickBooks — real figures, real-time, no waiting for a quarterly report.
Monthly Reporting Pack
P&L, balance sheet, cash flow and KPI summary — delivered by the 10th of each month, formatted for your board or investors.
Multi-Site Analysis
Compare performance across locations, departments or entities in one consolidated view. Identify underperformers before they cost you.
Cash Flow Forecasting
12-month rolling forecasts with scenario modelling — so you can plan hiring, investment or expansion with confidence.
Tailored for every business type
Proactive tax planning,
not just tax filing.
We don't just file your returns — we plan ahead so you pay exactly what you owe and not a penny more.
Corporation Tax
Annual accounts and CT600 filed on time, with proactive planning to minimise your liability.
- Annual accounts preparation
- CT600 filing
- R&D tax relief claims
- Capital allowances planning
- Salary vs dividend structuring
Self Assessment
Personal tax returns handled with care — including rental income, investments and side income.
- Personal tax return (SA100)
- Rental & property income
- Dividends & investment income
- Foreign income reporting
- Payment on account planning
Capital Gains Tax
Expert advice when you sell assets, shares or property — correct reporting and minimised CGT.
- Property disposals
- Business asset disposals
- Share sales & EIS relief
- Private residence relief
- Annual exempt amount planning
Inheritance Tax
Sensitive, careful planning to protect your estate and ensure your wealth passes to the right people.
- IHT exposure assessment
- Business property relief
- Gifting strategies
- Trust planning advice
- Nil rate band utilisation
Tax Planning
Year-round proactive advice — not just a review at filing time.
- Remuneration strategy
- Pension contributions timing
- Profit extraction planning
- HMRC enquiry support
- VAT planning & registration
R&D Tax Relief
Many Scottish businesses qualify without realising it — we identify and claim it for you.
- Eligibility assessment
- Technical narrative drafting
- Historic claims (up to 2 years)
- SME and RDEC schemes
- HMRC pre-approval support
MTD is coming for every business.
We'll make sure you're ready.
We handle the full transition — software setup, HMRC registration, quarterly submissions and ongoing compliance.
MTD for VAT
All VAT-registered businesses must file digitally. We manage your quarterly submissions and software compliance.
MTD for Income Tax — Phase 1
Sole traders & landlords over £50k file quarterly. We're preparing clients now.
MTD for Income Tax — Phase 2
Extended to income over £30k. We manage registration and submissions from day one.
MTD for Corporation Tax
Confirmed by HMRC. We'll transition limited-company clients when required.
Full MTD management — included
Software setup
Xero, QuickBooks or HMRC-approved software, configured and connected to your bank feeds.
HMRC registration
We register you for MTD and manage all agent authorisations.
Quarterly submissions
Prepared and filed on time, every time.
Ongoing compliance
As HMRC's rules change, we keep you compliant automatically.
Compliant every month.
Zero admin headache.
We run your payroll and manage your CIS obligations so you can focus on the work — not the paperwork.
From 1 employee to 100+,
we've got it covered.
Monthly payroll processing, RTI submissions, auto-enrolment compliance and all your CIS obligations — handled accurately, every time.
Monthly Payroll
Full payroll processing — payslips, tax calculations, NI and pension deductions handled accurately every month.
Auto-Enrolment
Workplace pension compliance managed for you — eligible staff assessed, contributions calculated and reported.
Year-End Returns
P60s issued to all employees, P45s on leavers, P11D benefits-in-kind reporting and employer's year-end summary.
CIS — Construction Industry Scheme
Clean books, all year round.
Real-time visibility, always.
We keep your books accurate, up-to-date and HMRC-ready. Certified in both Xero and QuickBooks.
Your books, handled.
Your software, mastered.
From bank reconciliation to VAT returns, we manage everything using the leading cloud accounting platforms.
Our Certifications
Bank Reconciliation
Every transaction matched and categorised — with automated bank feeds through Xero and QuickBooks.
VAT Returns
All VAT schemes handled — standard, flat rate, cash accounting and partial exemption. Filed on time, every quarter.
Management Reporting
Monthly P&L and balance sheet so you always know your position — without waiting until year-end.
Software we work with
Management Accounts
CEO and board-level financial insight — monthly reporting that drives real decisions, with live dashboards and multi-location analysis that rivals the Big 4.
Your finances, live.
Board-ready, every month.
Every management accounts client gets a live portal connected directly to your Xero or QuickBooks — real figures, real-time, no waiting for a quarterly report.
Monthly Reporting Pack
P&L, balance sheet, cash flow and KPI summary — delivered by the 10th of each month, formatted for your board or investors.
Multi-Site Analysis
Compare performance across locations, departments or entities in one consolidated view. Identify underperformers before they cost you.
Cash Flow Forecasting
12-month rolling forecasts with scenario modelling — so you can plan hiring, investment or expansion with confidence.
Tailored for every business type
Proactive tax planning,
not just tax filing.
We don't just file your returns — we plan ahead so you pay exactly what you owe and not a penny more. From self assessment to inheritance tax, every angle covered.
Corporation Tax
Annual accounts and CT600 filed on time, with proactive planning to minimise your liability.
- Annual accounts preparation
- CT600 filing
- R&D tax relief claims
- Capital allowances planning
- Salary vs dividend structuring
Self Assessment
Personal tax returns handled with care — including rental income, investments and side income.
- Personal tax return (SA100)
- Rental & property income
- Dividends & investment income
- Foreign income reporting
- Payment on account planning
Capital Gains Tax
Expert advice when you sell assets, shares or property — to ensure correct reporting and minimise CGT.
- Property disposals
- Business asset disposals
- Share sales & EIS relief
- Private residence relief
- Annual exempt amount planning
Inheritance Tax
Sensitive, careful planning to protect your estate and ensure your wealth passes to the right people.
- IHT exposure assessment
- Business property relief
- Gifting strategies
- Trust planning advice
- Nil rate band utilisation
Tax Planning
Year-round proactive advice — not just a review at filing time.
- Remuneration strategy
- Pension contributions timing
- Profit extraction planning
- HMRC enquiry support
- VAT planning & registration
R&D Tax Relief
Many Scottish businesses qualify for R&D relief without realising it — we identify and claim it for you.
- Eligibility assessment
- Technical narrative drafting
- Historic claims (up to 2 years)
- SME and RDEC schemes
- HMRC pre-approval support
MTD is coming for every business.
We'll make sure you're ready.
We handle the full transition — software setup, HMRC registration, quarterly submissions and ongoing compliance. You don't have to think about it.
MTD for VAT
All VAT-registered businesses must file digitally. We manage your quarterly submissions and software compliance.
MTD for Income Tax — Phase 1
Sole traders & landlords over £50k file quarterly. We're preparing clients now.
MTD for Income Tax — Phase 2
Extended to income over £30k. We manage registration and submissions from day one.
MTD for Corporation Tax
Confirmed by HMRC. We're monitoring and will transition limited-company clients when required.
Full MTD management — included
Software setup
Xero, QuickBooks or HMRC-approved software, configured and connected to your bank feeds.
HMRC registration
We register you for MTD and manage all agent authorisations.
Quarterly submissions
Prepared and filed on time, every time — you just keep records updated.
Ongoing compliance
As HMRC's rules change, we keep you compliant automatically.
Compliant every month.
Zero admin headache.
We run your payroll and manage your CIS obligations so you can focus on the work — not the paperwork. From sole traders to multi-employee businesses and CIS contractors.
From 1 employee to 100+,
we've got it covered.
Monthly payroll processing, RTI submissions, auto-enrolment compliance and all your CIS obligations — handled accurately, every time.
Monthly Payroll
Full payroll processing for any team size — payslips, tax calculations, NI and pension deductions handled accurately every month.
Auto-Enrolment
Workplace pension compliance managed for you — eligible staff assessed, contributions calculated and reported to your provider.
Year-End Returns
P60s issued to all employees, P45s on leavers, P11D benefits-in-kind reporting, and employer's year-end summary.
CIS — Construction Industry Scheme
Clean books, all year round.
Real-time visibility, always.
We keep your books accurate, up-to-date and HMRC-ready — so you always know your financial position and never face a surprise at year-end. Certified in both Xero and QuickBooks.
Your books, handled.
Your software, mastered.
From bank reconciliation to VAT returns, we manage everything — using the leading cloud accounting platforms so your data is always accessible and audit-ready.
Our Certifications
Bank Reconciliation
Every transaction matched and categorised — with automated bank feeds through Xero and QuickBooks to keep your books current.
VAT Returns
All VAT schemes handled — standard, flat rate, cash accounting and partial exemption. Filed on time, every quarter.
Management Reporting
Monthly P&L and balance sheet so you always know your position — without waiting until year-end to find out.
Software we work with
Two powerful portals.
One accountancy firm.
Every client gets a secure dashboard. Growing businesses get our full management accounts suite — board-ready reporting at a click.
Accounts, documents, tax estimates and filing deadlines — all in one secure place.
Board-level reporting, KPI dashboards, location analysis and cash flow forecasts.
How we've helped Scottish businesses
Real outcomes — problem, solution, result — from sole traders to growing groups.
Hartley Group gained full visibility across 4 entities
Directors were making investment decisions on 6-month-old accounts with no consolidated group view.
Mackenzie Consulting went MTD-compliant in under 4 weeks
£80k turnover put David in the first wave of MTD — and he had no idea where to start.
Campbell Interiors saved £14,200 in corporation tax
Their previous firm had never discussed salary/dividend planning or R&D relief.
Morrison Building Services recovered £31,000 in CIS overpayments
14 subbies, manual CIS returns, wrong deduction rates — unnoticed for 18 months.
Coastal Catering Co went from shoebox receipts to real-time P&L
Siobhan did her books once a year — no idea if she was profitable month to month.
Trusted by businesses across Scotland
"Switching to KA was the best decision I made. They set up my Xero, handle all my CIS, and I never worry about deadlines."
"I log into my portal, see exactly what I owe and when, and everything's ready. Brilliant from start to finish."
"Finally, an accountant who speaks plain English. They explained MTD clearly and saved me thousands in tax."
Get an instant starter quote
Tell us about your business and we'll build a live estimate. All quotes are subject to a free consultation — every client is different and we'll tailor the package to suit you exactly.
- Self Assessment
- MTD compliance
- Basic bookkeeping
- Everything in Essential
- VAT returns
- Quarterly reviews
- Annual accounts & CT600
- Director self assessment
- Companies House
- Everything in Essential
- VAT returns
- Quarterly mgmt reports
- Full management accounts
- Monthly board pack
- KPI dashboard & forecasting
- Live Xero/QuickBooks portal
Everything you need to know
Straight answers to the questions we hear most.
Ready to take the stress
out of your finances?
Book a free, no-obligation consultation. We reply within one working day.