Accountants in Cardiff for growing businesses
An ACCA-regulated practice supporting Cardiff businesses and individuals with accounts, tax, VAT and payroll on one fixed monthly fee.
Cardiff is Wales’ capital and a major UK financial and professional services centre, home to Admiral Group’s headquarters and BBC Wales’ Roath Lock studios where Doctor Who is filmed. A regenerated Cardiff Bay, two universities and the Principality Stadium add tourism and events to a growing economy. NDCA is a fixed-fee practice built for that mix, run through Xero, with one accountant instead of a rotating team.
What NDCA clients say
Verified Google reviews from NDCA clients.
Why businesses choose NDCA
Year-end accounts alone do not show what is happening in the business right now. NDCA pairs proactive advice with cloud accounting and a fixed monthly fee, so you always have a live view of your numbers and can make decisions with confidence.
Who we help
What growing businesses need from accountants in Cardiff
A business can be a sole trader or a limited company. It is privately owned, and if it is a limited company with fewer than 50 employees it may be eligible for certain reliefs, grants and simplified reporting. If you are not sure which structure suits you, or whether it is time to move from sole trader to limited company, we can talk it through and explain what actually changes.
Whatever the structure, the day-to-day tasks are much the same: invoicing, chasing payments, tracking expenses, staying on top of VAT if you are registered, running payroll if you employ anyone and filing accurate accounts and tax returns on time. Cardiff’s workforce spans wholesale and retail trade, professional services and information and communication. Cardiff’s economy runs on financial and business services, through firms like Admiral Insurance and Legal & General, alongside a strong media and creative sector across the wider region. We work with all of them on the same straightforward basis.
Registering as self-employed or setting up a limited company
Plenty of Cardiff businesses start as one person working for themselves before growing into something bigger. If you are self-employed, you are responsible for notifying HMRC of your earnings and keeping records of your invoices, expenses and profit. We handle the bookkeeping and tax return so you can focus on the work, and talk you through the point at which moving to a limited company starts to make financial sense, including Welsh-specific points like Land Transaction Tax if you are buying business premises.
Why growing businesses in Cardiff choose a remote-first accountant
Specialists cluster in big cities, and Cardiff clients pay for that overhead through their fees whether they use it or not. NDCA is remote first, which removes that cost. We work with sole traders, limited companies and landlords across the UK, selecting clients by what they need rather than by postcode.
The mechanics are simple. Your Xero file is live and shared, questions go to a named accountant and normally come back the same day and video calls replace the trip into town. The fee was fixed before we started, so none of that communication costs extra.
What we do for businesses in Cardiff
- Bookkeeping: your records kept accurate and up to date by your named accountant, so nothing is a scramble at year-end.
- Management accounts: monthly or quarterly numbers that make sense, for businesses that want more than once-a-year reporting.
- VAT returns: filed on time through Making Tax Digital, with advice on which VAT scheme suits your turnover.
- Corporation tax: your CT600 filed on time, after a review of the reliefs and allowances you qualify for.
- Payroll: payslips, RTI submissions and pension contributions run every month, for one employee or a team of twenty.
- Self assessment: for sole traders, directors and landlords, filed accurately and on time.
Landlords preparing for Making Tax Digital for Income Tax get the software setup and quarterly submission routine established before the deadlines force it. See Making Tax Digital.
How NDCA works
Fixed monthly fee
Agreed upfront, covering everything in scope. Project businesses have lumpy enough income without lumpy accounting bills.
Direct answers from your accountant
You deal with the same accountant every time, normally get an answer the same day and see the same up-to-date Xero numbers we do.
Built around your business
Whether you are a sole trader, a growing limited company or a landlord with a few properties, we build the service around what you actually need.
Cloud accounting with Xero
- Live bank feeds: bank and Stripe transactions arrive in Xero every day, and VAT returns go straight to HMRC under Making Tax Digital.
- Receipts through Apron: forward a supplier bill or photograph a receipt and it is captured, coded and matched to the right period.
- Xero on your phone: approve payments, raise invoices and check the bank balance from wherever you are working.
- One shared file: we work from the same live figures you see, all year round.
If you use other software today, we move you across to Xero as part of onboarding.
Switching from a Cardiff accountant
If your current firm is slow to reply, still bills by the hour or you have simply outgrown a one-person setup, switching is simpler than it feels. We send a professional clearance letter, collect the records and pick up where they left off. You can switch at any point in the year. How long it takes depends mainly on how quickly your previous accountant sends the records across, and we keep you updated throughout.
Get a fixed quote for your Cardiff business
Tell us what you need and we will explain how we would look after your accounts, with no obligation to go ahead.
Cardiff accounting FAQs
Yes. NDCA is remote first, with a registered office in Northampton. Cardiff clients work with us over video and phone with shared live access to their Xero file.
Yes. Property purchases in Wales fall under Land Transaction Tax rather than SDLT, with different bands and higher-rate rules for additional properties, and Welsh Rates of Income Tax apply to Welsh taxpayers. We build both into landlord and business planning for Cardiff clients.
Yes. We handle annual accounts, corporation tax, payroll and VAT for limited companies of all sizes, with monthly management accounts available for businesses that want closer visibility.
Our fees start from £95 plus VAT a month for limited companies, with no setup fee. Self Assessment starts from £245 plus VAT as a one-off fee. You receive a fixed quote at the end of your free 30-minute call, based on your turnover, transactions, VAT, payroll and number of directors. Any records alignment or bookkeeping catch-up is quoted separately in writing before work starts.
Yes. We work with landlords from a single property to larger portfolios, covering rental accounts, the mortgage interest restriction, HMOs, jointly owned property, incorporation questions and Making Tax Digital for Income Tax.
Yes. Whether you are registering as self-employed for the first time or forming a limited company, we will help you choose the right structure, set up Xero for you and take bookkeeping and tax off your plate from day one.
Yes. NDCA is an ACCA-regulated practice, registration number 2000003297, and follows the ACCA Code of Ethics and Conduct.
Yes, we also support sole traders, particularly those building toward incorporation. Bookkeeping, self assessment and tax planning are handled on the same fixed monthly fee as our limited company clients.
Find out what NDCA would cost for your business
Whether you are a freelancer working in TV production or a landlord buying property under Land Transaction Tax, the first step is a short conversation. Send us a few details and we will show you exactly how we would help.