Figtree Finance

Accountancy & bookkeeping services in Bedford

Services built around you

Whether you're a sole trader just starting out, a growing limited company, or a contractor in the construction industry — we offer friendly, straightforward accounting and bookkeeping.

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Accurate records, always up to date

Bookkeeping

Good bookkeeping is the foundation of a healthy business. We keep your records accurate, organised, and up to date — so you always know where you stand and you're never scrambling at year-end. Think of us as your financial safety net.

  • Monthly or quarterly reconciliation
  • Bank and credit card reconciliation
  • Cloud accounting software setup and support
  • MTD-compatible digital records

01

Tax returns done right, filed on time

Self Assessment

Self Assessment really doesn't have to be stressful. We handle your tax return from start to finish — working out what you owe, making sure every allowable expense is claimed, and filing well before the deadline so you're never left worrying.

  • Full income and expense review
  • All allowable deductions claimed
  • Filed on time — no last-minute panic
  • Transition support to MTD ITSA

02

Get MTD-ready before the deadline

MTD Compliance

Making Tax Digital for Income Tax Self Assessment is coming, and we want to make sure you're ready for it — not caught out by it. From April 2026, sole traders earning over £50,000 must submit quarterly digital updates. We'll get you set up with the right software and walk you through the whole process.

  • MTD readiness assessment
  • Compatible software setup
  • Quarterly digital submissions handled for you
  • Ongoing compliance support

03

Accurate, on time, no surprises

VAT Returns

VAT can feel complicated, especially with different schemes and rates to think about. We take care of your VAT returns accurately and on time, making sure you're on the right scheme and never face an unexpected penalty.

  • Quarterly VAT return preparation and submission
  • VAT scheme review (flat rate, standard, cash accounting)
  • MTD for VAT compliant submissions
  • HMRC correspondence handled

04

Reliable payroll for your team

Payroll

Getting payroll right matters — for your team and for HMRC. We manage everything from start to finish, including RTI submissions, payslips, and pension auto-enrolment, so your people are always paid correctly and on time.

  • Monthly or weekly payroll processing
  • RTI submissions to HMRC
  • Payslips issued to employees
  • Pension auto-enrolment support

05

Clear numbers to drive better decisions

Management Accounts

Regular management accounts give you a real picture of how your business is doing — not just at year-end. We produce clear, readable reports in plain English so you can plan ahead, spot opportunities, and make decisions you feel confident about.

  • Monthly or quarterly reporting
  • Profit and loss, balance sheet, cash flow
  • Plain-English commentary and insights
  • KPI tracking tailored to your business

06

Year-end accounts prepared properly

Financial Statements

We prepare statutory financial statements for limited companies and other businesses — accurate, compliant, and filed on time with Companies House. Whether you're a small limited company or a larger business, we make sure your accounts tell the right story.

  • Statutory accounts for limited companies
  • Companies House filing
  • Profit and loss, balance sheet, notes
  • Suitable for businesses of all sizes

07

CT600 returns handled start to finish

Corporation Tax

Corporation tax doesn't have to be a headache. We prepare and file your CT600 return, calculate your liability accurately, and make sure every allowable deduction is claimed — so you pay exactly what you owe and not a penny more.

  • CT600 preparation and HMRC submission
  • Tax liability calculation
  • Capital allowances and deductions reviewed
  • Deadline management — no late filing penalties

08

Specialist support for the construction industry

CIS & Construction Accounting

The Construction Industry Scheme has its own rules, and getting it wrong can be costly. We work with contractors and subcontractors across Bedfordshire to handle CIS deductions, monthly returns, and all the compliance that comes with working in construction.

  • CIS monthly returns filed with HMRC
  • Subcontractor verification and deduction management
  • CIS reclaim support for subcontractors
  • Bookkeeping and accounts for construction businesses

09

Senior financial oversight, without the overhead

Virtual Finance Director

Not every business needs a full-time Finance Director — but most growing businesses benefit from one. Our Virtual Finance Director service gives you access to experienced, strategic financial oversight on a flexible basis. We keep a close eye on your numbers, flag issues early, and help you make confident decisions about the future of your business.

  • Ongoing oversight of your accounts and finances
  • Cash flow forecasting and financial planning
  • Strategic advice tailored to your business goals
  • Regular review meetings and plain-English reporting

10

Get paid faster, improve cash flow

Credit Control

Late payments are one of the biggest headaches for small businesses. Our credit control service takes the awkwardness out of chasing invoices — we follow up professionally and persistently on your behalf, so you get paid on time without damaging client relationships.

  • Proactive chasing of outstanding invoices
  • Aged debtor reporting and monitoring
  • Professional, on-brand communication with your clients
  • Improved cash flow and reduced bad debt risk

11

Also available

Additional services

Beyond our core offering, we provide a range of additional services to support every stage of your business journey.

Bookkeeping Rescue

Behind on your books? It happens to the best of us. Whether you've fallen months behind, inherited a mess from a previous accountant, or just don't know where to start — we'll step in, sort it out, and get everything up to date so you can move forward with confidence.

  • Full review and clean-up of existing records
  • Catch-up bookkeeping for any period
  • Reconciliation of bank accounts and transactions
  • Handover to ongoing bookkeeping service if needed

Company Formation

Setting up a limited company involves more than just registering with Companies House. We handle the whole process for you — from choosing the right structure to getting your accounting set up from day one — so you can focus on building your business, not the paperwork.

  • Companies House registration handled for you
  • Advice on the right company structure
  • Registered office address service available
  • Accounting setup from day one

Registered Office Address

Every limited company needs a registered office address — but it doesn't have to be your home. Use our Bedford office address for your Companies House registration, keeping your personal address private and giving your business a professional presence.

  • Use our Bedford address for Companies House
  • All official mail scanned and forwarded
  • Keeps your home address off the public register
  • Available as a standalone or add-on service

Confirmation Statement

Every limited company must file a Confirmation Statement (formerly Annual Return) with Companies House each year. It's easy to forget — but missing the deadline can result in fines or even strike-off. We make sure yours is filed accurately and on time, every year.

  • Annual Confirmation Statement prepared and filed
  • Deadline reminders so nothing gets missed
  • Review of company details for accuracy
  • Companies House submission handled in full

Tax Planning & Advice

Good tax planning isn't about loopholes — it's about making sure you're using every allowance and relief you're entitled to. We take a proactive approach to your tax position, looking ahead so you're never caught off guard and always paying the right amount.

  • Year-round tax planning, not just at year-end
  • Review of all available allowances and reliefs
  • Advice on salary vs dividend structure
  • Plain-English guidance — no jargon

Cash Flow Forecasting

Cash flow is the lifeblood of any business — and running out of it is one of the most common reasons businesses struggle. Our cash flow forecasting service gives you a clear picture of what's coming in and going out, so you can plan ahead and avoid nasty surprises.

  • Short and medium-term cash flow projections
  • Scenario planning for growth or lean periods
  • Integrated with your bookkeeping data
  • Regular reviews and updates as your business changes

Virtual PA & Admin Support

Running a business means wearing a lot of hats — but admin doesn't have to be one of them. Our Virtual PA and admin support service takes routine tasks off your plate, from managing correspondence to chasing documents, so you can focus on what you do best.

  • Email and correspondence management
  • Document chasing and organisation
  • Scheduling and diary management support
  • Flexible support tailored to your needs

Business Start-up Support

Starting a business is exciting — but it can also be overwhelming. We work with new business owners to get the financial side right from day one, from registering with HMRC to choosing the right software and understanding your obligations.

  • HMRC registration (self-employed or limited company)
  • Advice on business structure and tax implications
  • Accounting software setup and training
  • Ongoing support as your business grows

Not sure which services you need?

That's completely fine — most people aren't! Give us a call or drop us a message and we'll have a friendly, no-obligation chat to work out what would actually help you most.

Get in touch