— Our Services

Accounting, Tax & Financial Consulting

At Nexum Finance Consulting, we help individuals, sole traders, landlords, construction workers and limited companies take control of their finances, stay compliant and make informed decisions for the future.

Combining professional accounting knowledge with commercial and strategic finance expertise, we offer practical, tailored solutions to support businesses at every stage of their journey, from start-up to established growth.

As AAT- and CIMA-qualified professionals, we bring together strong accounting foundations and a forward-looking approach to financial management. Whether you need help with your tax returns, day-to-day accounts, or a clearer understanding of your business performance, we are here to help you move forward with confidence.

Our approach is simple: clarity in your finances, confidence in your decisions and support for your growth.

— Our Services

What We Offer

Bookkeeping & Accounting

Accurate, up-to-date records are the foundation of every well-run business. We keep your books organised and reliable, so you always know where you stand and can spend your time running your business rather than chasing paperwork.

Whether you prefer to send us receipts and statements regularly or want us to take care of everything day to day, we agree a straightforward process that suits how you work.

Ideal for: Sole traders, landlords, contractors and limited companies who want their records kept accurate and ready for tax, year-end and decision-making.

Our services include:

Day-to-day bookkeeping and financial record management.
Recording and categorising income and expenses.
Bank, credit card and account reconciliations.
Sales and purchase invoice processing and tracking.
Monitoring of money owed to you and money you owe.
Preparation of regular financial reports.
Monitoring business income, expenditure and cash flow.
Support with cloud accounting software set-up and use.
Organising financial information for tax and year-end reporting.

We help you understand not only what your numbers say, but what they mean for your business.

Landlords & Rental Property Income

Rental income comes with its own reporting rules, record-keeping needs and tax considerations. We help landlords keep their property finances clear and organised, and make sure rental income is reported accurately and on time.

From a single buy-to-let to a growing portfolio, we help you see how each property is performing.

Ideal for: Individual landlords, joint property owners and those building a rental portfolio.

Our services include:

Recording and reconciling rental income and tenant payments.
Categorising allowable property expenses such as repairs, maintenance, letting agent fees and insurance.
Property-by-property income and expense reporting.
Support with finance costs and mortgage interest reporting.
Organising records for jointly owned properties.
Preparation of rental income information for Self Assessment.
Support with understanding tax obligations and deadlines for property income.
Year-end summaries showing the performance of your rental portfolio.

Clear property records mean less stress at tax time and better insight into the return your investments are generating.

CIS Subcontractors & Construction Workers

The Construction Industry Scheme (CIS) can make tax and record-keeping feel complicated, especially when tax has already been deducted from your payments. We help construction workers and subcontractors keep their records in order and make sure they are not paying more tax than they should.

We take the time to understand how you are paid, what you can claim and what you need to keep.

Ideal for: CIS subcontractors, self-employed tradespeople and construction workers working across one or several contractors.

Our services include:

Recording CIS income and tax deductions from contractor payments.
Organising CIS payment and deduction statements.
Identifying and recording allowable business expenses, such as tools, equipment, protective clothing, travel and vehicle costs.
Self Assessment tax return preparation for CIS subcontractors.
Support with reclaiming overpaid CIS tax through your tax return, where applicable.
Income and expense tracking throughout the tax year.
Help setting money aside so you are prepared for any tax due.
Guidance on keeping simple, effective records for your trade.

We make CIS paperwork straightforward, so you can concentrate on the work on site.

Sole Traders & Self-Employed Professionals

Working for yourself means being responsible for your own accounts, tax and deadlines. We provide practical, jargon-free support so you can stay organised, stay compliant and keep a clear view of how your business is doing.

We help you set up good habits from the start and refine them as your income grows.

Ideal for: Freelancers, consultants, contractors, tradespeople and other self-employed professionals.

Our services include:

Bookkeeping tailored to sole trader businesses.
Recording income and allowable expenses accurately.
Support with keeping digital records for tax reporting.
Self Assessment tax return preparation.
Profit and tax-set-aside estimates, so you are not caught out by a tax bill.
Guidance on separating business and personal finances.
Support understanding when it may be worth considering other business structures, such as becoming a limited company.
Ongoing support as your business develops.

Self-employed should never mean on your own with your finances.

Small Service Businesses

Service-based businesses rely on steady cash flow, accurate pricing and a clear view of profitability. We help small service businesses build simple, reliable financial processes that support everyday running and future growth.

We get to know your business, how you charge, who your clients are and how your costs behave, so our support fits the way you actually operate.

Ideal for: Consultancies, agencies, cleaning and maintenance services, health and beauty businesses, training providers and other small service-based businesses.

Our services include:

Bookkeeping and financial record management.
Invoicing support and tracking of outstanding client payments.
Cash flow monitoring to help manage the gap between work done and money received.
Profitability analysis by service, client or project.
Review of pricing, margins and overheads.
Monthly or quarterly financial summaries.
Support with budgeting and planning for hiring, equipment or premises.
Preparation of financial information for tax and year-end accounts.

Strong financial foundations help small businesses grow with confidence.

Limited Company Accounting Support

Running a limited company comes with financial responsibilities that require careful planning and accurate records. We provide accounting support tailored to your business, helping you stay organised and understand your financial position throughout the year, not just at year end.

We work alongside you, and alongside your accountant where applicable, to make sure the right information is prepared on time.

Ideal for: Company directors, owner-managed businesses and growing limited companies.

Our services include:

Financial record keeping and bookkeeping.
Profit and loss reporting.
Balance sheet and management reporting support.
Director and shareholder transaction records.
Cash flow monitoring and forecasting.
Preparation of accounting information for year-end accounts.
Support preparing information for Corporation Tax reporting, where applicable.
Support with budgeting, financial planning and business performance reviews.

We help business owners build a stronger understanding of their financial position so they can make better-informed decisions.

Self Assessment & Tax Returns

Managing tax obligations can be time-consuming and stressful. We make the process simpler by organising your financial information and supporting you with accurate, timely tax reporting, so there are no last-minute surprises.

We help you understand what needs to be reported, what you can claim and when things are due.

Ideal for: Sole traders, landlords, CIS subcontractors, company directors and individuals with additional income.

Our services include:

Self Assessment tax return preparation for sole traders and individuals.
Reporting of self-employment, rental, CIS and other income.
Business income and allowable expense reviews.
Tax record organisation and reporting support.
Assistance with understanding tax obligations and key deadlines.
Support preparing financial information for accountants and HMRC submissions, where applicable.
Help gathering the documents and information needed for your return.

Our aim is to make tax administration more straightforward, helping you stay organised and better prepared throughout the tax year.

VAT Support

VAT has strict rules and deadlines, and mistakes can be costly. We help VAT-registered businesses keep accurate records and prepare their VAT information, and we support businesses approaching the registration threshold.

Our aim is to make VAT routine rather than a recurring source of worry.

Ideal for: VAT-registered businesses and businesses approaching or considering VAT registration.

Our services include:

Support understanding whether and when VAT registration may be needed.
Assistance with the VAT registration process, where applicable.
VAT-compliant bookkeeping and record keeping.
Preparation of VAT return information.
Review of sales and purchase records for VAT accuracy.
Guidance on VAT schemes and how they may affect your business.
Support with VAT deadlines and payment planning.
Cash flow planning to help you set aside money for VAT.

With organised records and clear deadlines, VAT becomes much easier to manage.

Management Accounts & Financial Reporting

Good financial reporting should do more than explain what has already happened. It should help you understand why it happened and what to do next.

Drawing on our CIMA-based management accounting expertise, we turn your financial information into clear reports that support real business decisions.

Ideal for: Business owners who want regular, meaningful insight into performance rather than just year-end figures.

Our services include:

Monthly management accounts and reporting.
Profit and loss and balance sheet reporting.
Profitability and margin analysis.
Budget preparation and variance analysis.
Revenue and expenditure reviews.
Key performance indicator (KPI) reporting.
Financial performance presentations.
Identification of risks, opportunities and areas for improvement.

We translate complex financial information into clear, practical insights that support better business decisions.

Budgeting, Forecasting & Cash Flow

Planning ahead is essential for maintaining financial stability and achieving sustainable growth. We help you understand your future financial position, anticipate challenges and plan with greater confidence.

Profitable businesses can still run short of cash. Good forecasting helps you spot pressure points early and act before they become problems.

Ideal for: Businesses planning ahead, managing seasonal income or preparing for investment, hiring or expansion.

Our services include:

Annual budgets and financial plans.
Short- and long-term cash flow forecasts.
Revenue and cost forecasting.
Scenario and sensitivity analysis.
Budget-versus-actual performance reviews.
Cash flow monitoring and early warning of shortfalls.
Planning for tax liabilities, VAT and other major payments.
Financial planning to support business expansion.

With clearer financial forecasts, you can make decisions based on evidence rather than assumptions.

Business Performance, ROI & Financial Consulting

We go beyond the numbers to help businesses understand what drives performance, where value is being created and how resources can be used more effectively.

Whether you are weighing up an investment, launching a new service or looking to improve profitability, we help you assess the financial implications and make decisions aligned with your business goals.

Ideal for: Owners and directors making commercial decisions who want a finance professional alongside them.

Our services include:

Business performance analysis.
Return on investment (ROI) assessments.
Investment appraisal and business case support.
Cost optimisation and profitability reviews.
Financial modelling and scenario planning.
Commercial decision support.
Revenue growth and margin improvement analysis.
Establishing financial targets and performance measures.
Support evaluating new projects, products and business opportunities.

Our goal is to help you grow sustainably, maintain financial control and build a stronger foundation for long-term success.

Business Start-Up Support

Starting a business is exciting, and the financial decisions you make early on can shape its future. We help new business owners get set up properly from day one, with the right records, the right habits and a clear view of the numbers.

We explain things in plain language and support you as you find your feet.

Ideal for: New sole traders, first-time company directors and anyone planning to launch a business.

Our services include:

Guidance on choosing between sole trader and limited company structures.
Support with understanding registration and tax obligations for a new business.
Setting up bookkeeping systems and accounting software.
Establishing simple processes for invoicing, expenses and record keeping.
Start-up budgets and cash flow forecasts.
Break-even and pricing analysis.
Financial projections to support business planning and funding discussions.
Advice on separating business and personal finances.
Ongoing support as your business grows.

A strong financial start gives your business the best chance to thrive.

— Our Services

What We Offer

We support a wide range of individuals and businesses, including:

If your situation does not fit neatly into one of these groups, get in touch. We tailor our support to you.

Landlords and individuals with rental property income.
CIS subcontractors and construction workers.
Sole traders and self-employed professionals.
Small service businesses.
Limited companies and company directors.
New businesses and start-ups.

— In detail

Service areas

Bookkeeping

bank reconciliations
making and maintaining accurate records of financial transactions and keeping the business up to date and compliant
recording cash transactions
maintaining digital records of clients' income and expenses and submit quarterly income and expense updates to HMRC using Making Tax Digital (MTD) compatible software.

Budgeting and Forecasting

preparing and presenting regular management pack/s, comparing budget with actuals and explaining the variances
collaborating on the best format for the management pack
communicating budget and forecasting information to a client.

Business Income Tax

preparing accounts and calculating appropriate tax rates to calculate charges
liaising with HMRC on a client's behalf
explaining principles of business tax with clients
submitting income tax returns within imposed deadlines and complying with current legislation advising on tax payment amounts and deadlines.

Capital Gains Tax

calculating gains made on sale of assets and relevant tax charges
advising on all valid reductions and reliefs and on how to utilise annual exemption to minimise Capital Gains Tax liability
advising on when and how to report any Capital Gains Tax, such as property disposals.

Corporation Tax

advising on payment amounts and deadlines
completing and submitting Corporation Tax returns
preparing Corporation Tax computations based on accounts produced
advising on dis/allowable expenses, deductions and reliefs.

Financial Accounting & Accounts Preparation for sole traders and partnerships

Preparing trial balances, profit and loss and balance sheets for sole practitioners and partnerships
Discussing and explaining accounts with clients
Analysis of trial balance
making accounting or financial adjustments.

Financial Accounting & Accounts Preparation for statutory purposes

Statutory accounts that are compliant with prevailing legislation, including the Companies Act and current UK GAAP.
Preparing accounts from a variety of sources, such as base records, bank statements or completed bookkeeping packages
Preparing statutory accounts from the company's financial accounts at the end of the financial period
keeping accounts accurate and up to date
advising about and meeting deadlines for submissions
Filing accounts to statutory bodies such as Companies House.

Management Accounting

Preparing management accounts for the board/clients, including prepayments, accruals and other journals
Performing variance analysis, making meaningful comments on variances, and explaining large variances to clients
Communicating management accounting information to a client.

Payroll

Preparing monthly and weekly payroll, including processing of statutory pension and year-end procedures
producing payroll reconciliations on a monthly basis
Discussing tax calculations with staff and clients
Discussing payment queries with staff and clients
Pensions administration and submission including auto-enrolment
Real Time Information (RTI), Statutory payments processing (e.g. Sick Pay (SSP).

Personal Income Tax

Completing and submitting personal tax returns, applying all prevailing legislation
discussing tax returns with clients and advising when and how payments should be made
digital record-keeping and submission of quarterly income and expense updates to HMRC using Making Tax Digital (MTD) software
discussing and explaining coding notices with clients
explaining the potential liabilities based on client income
calculating tax liability from total relevant income after the deduction of relevant allowances and reliefs
Advising on tax rules and regulations.

Value Added Tax

Preparing quarterly VAT returns
Correcting errors in VAT returns
Advising on Making Tax Digital (MTD)
Advising on VAT registration thresholds.

— Our Services

How We Work

01 Get in touch

Tell us about you and your business, and what you need help with. We will discuss your situation and answer your questions.

02 Agree the support you need

We recommend a clear, tailored package of services, so you know exactly what is included and what to expect

03 Get organised

We set up the right systems and processes, and guide you on what information we need from you and when.

04 Ongoing support

We keep your records, reporting and deadlines on track, and are on hand to answer questions as they arise.

— Our Services

Why Choose Nexum Finance Consulting?

Professional expertise

Our AAT and CIMA qualifications combine practical accounting knowledge with management accounting, financial analysis and commercial decision-making expertise.

A personalised approach

A personalised approach. Every business is different. We take the time to understand your circumstances, challenges and objectives before tailoring our support to your needs.

More than just numbers

We look beyond financial statements to help you understand performance, identify opportunities and make informed decisions.

Clarity and transparency

We explain financial information in clear, straightforward language so you can understand your position and plan your next steps with confidence.

Support at every stage

From a first-time sole trader to an established limited company, we provide support that grows with you.

Focused on your growth

We aim to build lasting relationships with our clients, providing practical financial support as their businesses evolve.