Bookkeeping Services For Small Businesses, Landlords & Contractors
Stress-free, HMRC ready bookkeeping powered by Xero cloud accounting. We look after limited companies, sole traders, landlords and e commerce businesses across Oxford and the UK with Xero-certified bookkeepers, fixed monthly fees and clear reports so you always know your numbers.
Bookkeeping at a glance
Why good bookkeeping matters
Accurate records that keep you compliant and in control
Good bookkeeping is the foundation for VAT returns, year end accounts, corporation tax and personal tax. When it is done in Xero cloud accounting, you also gain a live view of cash flow and performance.
HMRC ready records all year round
- Correct figures for Self Assessment and Corporation Tax returns directly from Xero.
- Accurate data that supports MTD compliant VAT submissions and digital record keeping.
- Clean ledgers that make statutory accounts straightforward and efficient to prepare.
- Evidence ready in Xero if HMRC ever asks questions about your numbers.
We keep your Xero data tidy month by month so year end becomes a simple, predictable process rather than a rush.
Better decisions and fewer surprises
You receive regular Xero based reports so you are not waiting until year end to see how the business is performing.
What is included
Bookkeeping services done for you with Xero cloud accounting
We take care of the day to day bookkeeping inside Xero so you can focus on running the business. Everything is stored digitally in the cloud and aligned with HMRC expectations.
Core bookkeeping tasks
- Bank and credit card reconciliations so every transaction is matched in Xero.
- Sales ledger posting, customer payments and aged debtors tracking from Xero reports.
- Purchase ledger posting, supplier payments and aged creditors summaries.
- Recording of expenses, mileage, subscriptions and staff costs with digital attachments.
- Journals for accruals, prepayments and adjustments at year end directly in Xero.
Xero cloud bookkeeping & digital records
- Set up of Xero with a chart of accounts tailored to your business and sector.
- Receipt capture apps such as Dext or Hubdoc so you can photograph or forward invoices into Xero.
- Quarterly or monthly bookkeeping to support your VAT filing cycle and Making Tax Digital.
- Secure cloud storage of documents and invoices as attachments within Xero.
- Accountant ready Xero data that feeds straight into your annual accounts and tax returns.
We use Xero cloud accounting so you can log in from anywhere and see the same up to date numbers we see.
Who we support
Specialist bookkeeping for the way you work
We look after a range of clients in Oxfordshire and across the UK, from local trades through to portfolio landlords and online sellers, all managed in Xero cloud accounting.
Small businesses & trades
Bookkeeping in Xero for consultants, trades, professionals, retail and hospitality. Track jobs, costs and profitability with simple reports you can act on.
Landlords & property income
Rental income, mortgage interest, repairs and service charges recorded in Xero and split by property if needed. Ideal for Self Assessment and MTD ITSA.
Contractors & limited companies
Director friendly bookkeeping, expense tracking and dividend summaries from Xero. We work with you on year end and tax planning alongside the day to day records.
E commerce & online sellers
Bookkeeping for Shopify, Amazon, eBay and other platforms into Xero. We deal with payouts, fees, VAT and multi channel sales so your figures still make sense.
Professional & service firms
Xero bookkeeping for agencies, medical and professional practices. Keep an eye on work in progress and debtor days so cash flow does not lag behind.
Start ups & growing businesses
Scalable Xero bookkeeping support as your transaction volume grows. We help you build good cloud accounting habits from day one.
How it works
Simple workflow from onboarding to year end
Clear steps, regular communication and no jargon. You will always know what we are working on and what we need from you.
Onboarding & Xero setup
We confirm your business type, VAT position and deadlines. Xero and bank feeds are set up and we agree how you will share documents with us through Dext or Hubdoc.
Day to day posting
Income, expenses, invoices and bills are entered into Xero regularly. We match bank transactions, tidy nominal codes and review for obvious issues.
Regular reviews & reports
Each month or quarter you receive a short Xero report pack plus a summary in plain English. We highlight trends, risks and upcoming tax obligations.
Year end ready
When it is time to file, your Xero bookkeeping is already tidy. This keeps accountancy fees predictable and reduces queries and delays.
Fixed fee options
Typical bookkeeping packages
Pricing is based mainly on transaction volume and complexity. Below is a simple outline. We will confirm a fixed quote once we understand your Xero records and any catch up needed.
Starter
Up to 50 transactions per month- Ideal for micro businesses and new sole traders.
- Monthly Xero bank reconciliations.
- Digital receipt capture into Xero included.
- Quarterly summary reports from Xero.
Standard
Around 50 to 100 transactions- For established small businesses and landlords.
- Monthly or quarterly Xero reporting of profit and loss.
- VAT ready postings in Xero where required.
- Email support for bookkeeping and Xero queries.
Growth
100 to 300 transactions- For growing businesses with higher volumes.
- More frequent Xero reconciliations and reviews.
- Optional add ons such as payroll and CIS.
- Support with budgeting and forecasting using Xero data.
Bespoke & multi channel
High volume or complex- E commerce, multiple bank accounts or group structures in Xero.
- Tailored workflows and reporting dashboards.
- Dedicated point of contact at M A Accounting.
- Custom schedules to match your internal processes.
Common questions
Bookkeeping & Xero FAQs
Many clients start with spreadsheets or bookkeeping they try to manage in the evenings and weekends. Moving to a structured system with support from M A Accounting and Xero cloud accounting means you can hand this work over with confidence.
Below are some of the questions we are asked most often about our bookkeeping and Xero services.
Do I need a bookkeeper as well as an accountant?
A bookkeeper focuses on the day to day transactions. An accountant focuses on the year end accounts, tax returns and advice. At M A Accounting your bookkeeping is handled within the same team as your accounts and tax, using Xero as the central system, which keeps everything joined up and consistent.
Can I switch over from my spreadsheet or current software to Xero?
Yes. We regularly migrate clients from spreadsheets or other software into Xero. We agree a handover date, bring in opening balances and make sure nothing important is lost or duplicated. We can also provide basic Xero training so you feel comfortable using it day to day.
How often will my bookkeeping be updated?
Most clients choose monthly bookkeeping so they receive a regular view of performance and can stay on top of VAT and tax. Some higher volume businesses and e commerce clients prefer weekly updates. We will agree a schedule that suits you.
Is bookkeeping mandatory for small businesses?
HMRC expects all businesses and landlords to keep accurate records of income and expenses. Good bookkeeping in Xero is the best way to meet this requirement and reduces the risk of penalties if HMRC reviews your affairs.
Can you work with paper records?
We encourage digital records where possible because it is faster, more secure and easier to search. If you still hold some paper records, we can discuss a practical way to scan or photograph these so that everything is captured digitally going forward and stored safely in Xero.
Ready to tidy up your bookkeeping in Xero?
Share a recent bank statement and a sample of your current records. We will review the information and provide a clear, fixed fee quote for ongoing Xero bookkeeping, plus any catch up work that is needed to bring you up to date.