# Utile Accountancy

> Modern Warwickshire accountants. A proactive finance partner for growing UK businesses, not just compliance. 250+ clients, rated 5.0 on Google from 75 reviews.

Utile Accountancy is based at Suite 1B Turnpike Gate House, Alcester, Warwickshire B49 5JG. Phone 01789 334900, email hello@utileaccountancy.co.uk. We help business owners, e-commerce and Amazon sellers, property portfolios, growing and multi-entity businesses, acquisitive businesses and scaling startups across Warwickshire and the UK. Real-time management information, forecasting and proactive tax planning, year-round rather than just at year-end.

## Services
Three main categories. Premium Accounting and Fractional CFO each have their own sub-services.

### Business Structuring
- [Business Structuring](https://utileaccountancy.co.uk/services/business-structuring): the right legal and share structure, holding companies and exit planning.

### Premium Accounting
- [Premium Accounting](https://utileaccountancy.co.uk/services/premium-accounting): full financial oversight and done-for-you compliance.
- [Corporation Tax Planning](https://utileaccountancy.co.uk/services/premium-accounting/corporation-tax): allowances, reliefs and timing to lower the company bill.
- [Personal and Dividend Tax](https://utileaccountancy.co.uk/services/premium-accounting/personal-tax): salary and dividend mix, and self-assessment.
- [VAT](https://utileaccountancy.co.uk/services/premium-accounting/vat): scheme selection and Making Tax Digital filing.
- [Payroll](https://utileaccountancy.co.uk/services/premium-accounting/payroll): managed payroll, RTI and auto-enrolment pensions.
- [Bookkeeping and Cloud Accounting](https://utileaccountancy.co.uk/services/premium-accounting/bookkeeping): real-time books on Xero and FreeAgent.
- [Year-End Accounts](https://utileaccountancy.co.uk/services/premium-accounting/year-end-accounts): statutory accounts and compliance, filed on time.

### Fractional CFO
- [Fractional CFO](https://utileaccountancy.co.uk/services/fractional-cfo): board-level financial leadership, management accounts, forecasting and decision support.
- [Cash Flow Forecasting](https://utileaccountancy.co.uk/services/fractional-cfo/cash-flow-forecasting): rolling forecasts, scenario planning and runway visibility.
- [Budgeting](https://utileaccountancy.co.uk/services/fractional-cfo/budgeting): annual budgets tracked against actuals, with re-forecasting through the year.
- [Board Reporting](https://utileaccountancy.co.uk/services/fractional-cfo/board-reporting): monthly board packs, KPIs and investor-ready reporting.
- [FP&A](https://utileaccountancy.co.uk/services/fractional-cfo/fp-and-a): financial modelling, scenario analysis and decision support.

## Who We Help
- [Business Owners](https://utileaccountancy.co.uk/who-we-help/business-owners): real-time management information, forecasting, and tax planned through the year.
- [E-commerce and Amazon Sellers](https://utileaccountancy.co.uk/who-we-help/ecommerce-amazon): multi-channel accounting, VAT on international ad spend and overseas sales, inventory and margin reporting.
- [Property Portfolios](https://utileaccountancy.co.uk/who-we-help/property-portfolios): landlord and portfolio-level accounting, ownership structure and capital gains planning.
- [Growing and Multi-Entity Businesses](https://utileaccountancy.co.uk/who-we-help/multi-entity): group structures, share reorganisations and consolidated reporting.
- [Acquisitive Businesses](https://utileaccountancy.co.uk/who-we-help/acquisitive): due diligence, deal structuring and financial clarity for buying, merging or exiting.
- [Scaling Startups](https://utileaccountancy.co.uk/who-we-help/scaling-startups): the right structure from day one, investor-ready numbers, and support through a raise.

## Locations
- [Alcester](https://utileaccountancy.co.uk/locations/alcester): our home base in Warwickshire.
- [Stratford-upon-Avon](https://utileaccountancy.co.uk/locations/stratford-upon-avon)
- [Warwick](https://utileaccountancy.co.uk/locations/warwick)
- [Leamington Spa](https://utileaccountancy.co.uk/locations/leamington-spa)
- [Redditch](https://utileaccountancy.co.uk/locations/redditch)
- [Studley](https://utileaccountancy.co.uk/locations/studley)
- [Henley-in-Arden](https://utileaccountancy.co.uk/locations/henley-in-arden)
- [Bidford-on-Avon](https://utileaccountancy.co.uk/locations/bidford-on-avon)

## Guides
- [Tax Strategy Hub](https://utileaccountancy.co.uk/tax-strategy): plain-English guides on proactive tax planning.
- [Salary versus Dividends](https://utileaccountancy.co.uk/tax-strategy/salary-vs-dividends): how a director should pay themselves.
- [Year-End Tax Planning Checklist](https://utileaccountancy.co.uk/tax-strategy/year-end-tax-planning-checklist): decisions to review before year-end.
- [Sole Trader vs Limited Company](https://utileaccountancy.co.uk/tax-strategy/sole-trader-vs-limited-company): which structure is right for you.

## Company
- [About](https://utileaccountancy.co.uk/about): Sam Taylor, James Read and Ellie Dowen.
- [Who We Help](https://utileaccountancy.co.uk/who-we-help): business owners, e-commerce and Amazon sellers, property portfolios, growing and multi-entity businesses, acquisitive businesses and scaling startups.
- [Reviews](https://utileaccountancy.co.uk/reviews): 75 Google reviews at 5.0 stars.
- [Contact](https://utileaccountancy.co.uk/contact): get in touch with the team.

## Optional
- [Book a Free Call](https://utileaccountancy.co.uk/book): a free 30-minute, no-obligation consultation.

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