From self assessment to full business accounts — Rays & Co gives sole traders and growing companies expert financial guidance at every stage.
ACCA — Rays & Co, Croydon
"We take the stress of HMRC, tax and payroll completely off your plate — so you can focus on running your business."
Whether you're just starting out or running an established company, we have the expertise to keep your finances sharp and HMRC compliant.
You focus on the work you love — we handle the tax. From self assessment to Making Tax Digital, we make sure you're always on the right side of HMRC.
Growing your business is complex enough. We take care of your statutory accounts, corporation tax, payroll and company secretarial — all in one place.
Stress-free tax returns filed accurately and on time. We maximise your allowances and handle all HMRC communication.
Statutory accounts and corporation tax prepared to Companies House standards with full year-round support.
Managed payroll and auto-enrolment pension. We run your payroll monthly, submit RTI to HMRC and handle all employee queries.
MTD-compliant VAT returns filed quarterly. We handle registration, submissions and any HMRC disputes.
Clean, accurate books every month. We reconcile your accounts and give you a clear picture of your finances at all times.
From registering your company to setting up the right structure — we get you trading legally from day one.
Fixed monthly fees so you always know what you're paying. Every plan includes dedicated support and HMRC representation.
Perfect for employed individuals, freelancers and sole traders who need their annual tax return completed.
Everything a limited company needs to stay compliant — accounts, tax, payroll and ongoing advisory.
Ongoing bookkeeping and management accounts to keep your finances clean and decision-ready every month.
Answer 3 quick questions and we'll give you an instant price estimate.
1. What best describes you?
Your estimated investment
This is an estimate. We'll confirm the exact fee on your free consultation call.
Founder & Principal Accountant
"My goal is simple: take the burden of compliance and tax completely off your shoulders, so you can focus on what you do best — growing your business."
Rays & Co was founded with one purpose: to give small business owners and sole traders the same quality of financial advice that larger businesses take for granted.
Based in Croydon and serving clients across South London, we combine technical ACCA expertise with a personal, accessible approach that means you always have someone in your corner at tax time — and every month in between.
Fully regulated by the Association of Chartered Certified Accountants
Extensive background in tax, compliance and business advisory across multiple sectors
Fully compliant and ahead of HMRC's digital transition for all clients
"Switched to Rays & Co last year and the difference is night and day. My accounts are always done early and I actually understand what I'm paying now."
"As a limited company director, having an ACCA accountant I can actually reach on the phone is invaluable. Highly recommend for any small business."
"My self assessment used to fill me with dread. Rays & Co took the whole thing off my hands. Professional, fast and genuinely helpful."
"Incredibly thorough. They spotted a tax savings opportunity I'd been missing for 3 years. The fee pays for itself many times over."
"Payroll sorted every month without me having to lift a finger. The team is responsive, knowledgeable and genuinely cares about your business."
"Switched to Rays & Co last year and the difference is night and day. My accounts are always done early and I actually understand what I'm paying now."
"As a limited company director, having an ACCA accountant I can actually reach on the phone is invaluable. Highly recommend for any small business."
"My self assessment used to fill me with dread. Rays & Co took the whole thing off my hands. Professional, fast and genuinely helpful."
"Incredibly thorough. They spotted a tax savings opportunity I'd been missing for 3 years. The fee pays for itself many times over."
"Payroll sorted every month without me having to lift a finger. The team is responsive, knowledgeable and genuinely cares about your business."
For a straightforward self assessment tax return, our fees start from £150 per year. If you need additional services like bookkeeping or VAT returns, we'll provide a tailored quote based on your specific needs. All fees are fixed and agreed upfront — no surprises.
Yes — if you earn income outside PAYE, you're legally required to file a self assessment tax return. We help you report both your employment income and side business income correctly, and make sure you claim all allowable expenses to reduce your tax bill.
Making Tax Digital is HMRC's initiative to move tax records and submissions online. It currently applies to VAT-registered businesses, with MTD for Income Tax rolling out from 2026. All our clients are set up to be fully MTD compliant, so you don't need to worry about the transition.
Absolutely. You can switch accountants at any time — there's no need to wait until your year end. We handle the professional clearance process with your previous accountant and make the transition as smooth as possible. Many clients switch to us mid-year with no issues.
HMRC requires you to keep business records for at least 5 years after the filing deadline. This includes invoices, receipts, bank statements and payroll records. We advise all clients on record keeping best practices and can help you set up a simple digital system so nothing gets missed.
Turnaround depends on how quickly we receive all required information from you, but once we have everything we typically complete self assessment returns within 5–10 working days and annual accounts within 2–4 weeks. We always file well ahead of HMRC deadlines to avoid any penalties.
Book a free 30-minute consultation — no commitment, no jargon. Just straightforward advice.
No obligation, no jargon — just a straightforward conversation about your accounting needs. We'll advise on the best approach and give you a fixed quote.
Croydon, South London
Same day during business hours
Usually replies in minutes