Bookkeeping, tax filings, and
business compliance under control.
Built for UK freelancers, sole traders, and small company directors who want less admin, clearer records, and fewer deadline surprises.
Your tax is already set aside
Due date
Compliance admin is the silent tax on every small business.
For a one-person company with straightforward finances, the real cost is not just what you pay your accountant — it is the time, stress, and risk of getting it wrong.
Missed Deadlines
Compliance is spread across portals, emails, and memory.
HMRC has quarterly VAT deadlines, a CT600 deadline, a CS01 due date, and MTD quarterly updates. Missing any triggers automatic penalties from £200. Most directors only find out when it is too late.
Fragmented Tools
VAT, company filings, and personal tax live in separate places.
Spreadsheets for bookkeeping, HMRC portal for VAT, Companies House for CS01, a separate tool for accounts. Nothing talks to anything else, and reconciliation happens at year-end in a panic.
Year-End Catch-Up
Cleanup always happens too late.
Gathering a year of receipts, categorising transactions, and chasing missing records costs the average contractor 12-15 hours. By the time your accountant gets the data, deadlines are already pressing.
Unclear Obligations
You do not know what is due next or what you have already filed.
When was your last CS01? Is your VAT period Q3 or Q4? What is your CT600 deadline? Most directors cannot answer these questions without logging into three different government portals.
From bank transactions to tax-ready records.
Four steps to organised books, clear obligations, and filing work that moves.
Connect
Link your business and financial data
Enter your company number and connect your business bank account via TrueLayer Open Banking (read-only, FCA-regulated). Cledo pulls your Companies House records and HMRC deadlines automatically.
Organise
Cledo structures your records and flags what matters
Transactions are categorised automatically. Double-entry journals are posted. Your compliance timeline is built from real deadlines. Anything unusual gets flagged for your review.
Review
You check what needs attention
See your obligations in plain English — what is due, what is ready, what needs input. Approve categorisations with a single tap. Your Safe-to-Transfer figure updates in real time.
File
Cledo helps you complete filing workflows
When a deadline approaches, Cledo calculates your return, shows you the numbers clearly, and files directly with HMRC or Companies House. One confirmation is all it takes.
Six core capabilities. One place for all of it.
Data collection, categorisation, reminders, document generation, and filing workflows — combined.
Bookkeeping and Transaction Categorisation
Bank transactions are pulled automatically via Open Banking and categorised using AI. Double-entry journals are posted without manual data entry.
Learn moreVAT Workflow Support
Quarterly VAT returns calculated from real transactions and filed directly with HMRC via Making Tax Digital. All nine boxes, handled automatically.
Learn moreAnnual Accounts Readiness
FRS 105 micro-entity accounts prepared from your bookkeeping data throughout the year, so year-end is not a scramble.
Learn moreConfirmation Statements and Company Compliance
CS01 confirmation statements filed on time with Companies House. Director details, SIC codes, and share capital pre-filled from your company data.
Learn moreDirector Self-Assessment Support
Employment income, dividends, and savings interest auto-populated from your company records and personal bank data. SA100 calculation built in.
Learn moreSecure Document and Data Handling
Financial records encrypted at rest with AES-256, HMRC tokens encrypted at field level, hosted on Google Cloud in London. Essential cookies only.
Learn moreWho Cledo is built for.
One product, tailored to the people who actually run UK owner-managed businesses.
Freelancers and Sole Traders
- Simpler tax admin and fewer surprises at filing time
- Better record organisation without spreadsheet dependence
- Self-assessment support with income auto-populated
Contractors with a Limited Company
- Keep company and personal obligations aligned
- Stay ready for VAT, accounts, and director tax
- Reduce year-end catch-up stress with ongoing categorisation
Small Company Directors
- Ongoing compliance visibility across all obligations
- Filing readiness for CT600, CS01, VAT, and accounts
- One place for company and personal tax admin
Why trust Cledo with compliance data?
You are trusting us with filings, financial data, and HMRC connections. Here is how we handle that responsibility.
UK company, UK legal basis
Cledo is operated by SGAA Limited, registered in England and Wales. Your data is governed by UK GDPR.
Encrypted storage
Sensitive fields like HMRC tokens, NINOs, and UTRs are encrypted with AES-256-GCM at the application level.
London-region hosting
All data is hosted on Google Cloud Platform in the europe-west2 (London) region. No data leaves the UK.
Restricted access
Production database access is limited to essential personnel. All access is logged and auditable.
Essential cookies only
No advertising cookies, no third-party trackers. Only session and CSRF cookies required for the app to function.
Six-year record retention
Financial records are retained for six years as HMRC requires. You can request data export or deletion at any time.
Mandatory filings handled — VAT, CT600, CS01, accounts, SA
All compliance filings included, no per-filing fees
UK businesses affected by Making Tax Digital mandates
Financial records retained securely, as HMRC requires
Two plans. Both dramatically cheaper than a traditional accountant.
| Feature | Complete | Complete+ Accountant |
|---|---|---|
| Monthly price | £9/mo | £29/mo |
| All government filings included | ||
| AI transaction categorisation | ||
| AI Co-Pilot | ||
| Safe-to-Transfer | ||
| WhatsApp receipt capture | ||
| Unlimited human accountant | ||
| Response time | 48 hours | 4 hours |
Government statutory fees (e.g. CS01 £50, incorporation £100) collected at cost when due — zero markup. See full breakdown
Less admin. Clearer records. Fewer deadline surprises.
Cledo helps UK freelancers, sole traders, and small company directors stay on top of bookkeeping, tax filings, VAT, and mandatory business compliance.