Your UK company's financial brain.
Bookkeeping, VAT, CT600, and annual accounts — automated. Built for UK freelancers, contractors, and company directors who want less admin.
Tax already set aside automatically
Due 7 May 2026
Auto-categorised
Compliance admin is the silent tax on every small business.
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 feed to tax-ready records.
Four steps to organised books, clear obligations, and filing that actually moves.
Connect
Link your business and bank 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
AI structures your records
Transactions are categorised automatically. Double-entry journals are posted. Your compliance timeline is built from real HMRC and Companies House deadlines.
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 completes the filing
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 workspace.
Data collection, categorisation, reminders, document generation, and filing — all combined.
AI Bookkeeping & Transaction Categorisation
Bank transactions are imported via Open Banking and categorised by AI. Double-entry journals are posted automatically — no manual data entry ever.
Learn moreMTD VAT Returns
Quarterly VAT returns calculated from real transactions and filed directly with HMRC via Making Tax Digital. All nine boxes handled.
Learn moreAnnual Accounts
FRS 105 micro-entity accounts prepared from your bookkeeping data throughout the year so year-end is never a scramble.
Learn moreCS01 Confirmation Statements
CS01 filed on time with Companies House. Director details, SIC codes, and share capital pre-filled from your company data.
Learn moreDirector Self-Assessment
Employment income, dividends, and savings interest auto-populated from your company records. SA100 calculation built in.
Learn moreBank-Grade Security & Data Handling
AES-256 field-level encryption, HMRC tokens stored securely, hosted on Google Cloud in London. Essential cookies only. UK GDPR compliant.
Learn moreBuilt for UK owner-managed businesses.
One product, tailored to the people who actually run UK businesses.
Freelancers & 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.
AES-256-GCM encryption
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, logged 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 included
No per-filing fees, ever
UK businesses affected
by Making Tax Digital mandates
Financial records retained
As HMRC requires, fully encrypted
Two plans. Both dramatically cheaper than an accountant.
No contracts. Cancel any time. Government fees passed on at cost — zero markup.
Full automation for UK limited company directors who want compliance on autopilot.
- All government filings (VAT, CT600, CS01, Accounts)
- Open Banking transaction sync
- AI transaction categorisation
- AI Co-Pilot financial assistant
- Safe-to-Transfer calculator
- Pay Yourself optimiser
- WhatsApp receipt capture
- Support response48 hours
- Dedicated human accountant
Everything in Complete, plus unlimited access to a qualified ACA/ACCA accountant.
- All government filings (VAT, CT600, CS01, Accounts)
- Open Banking transaction sync
- AI transaction categorisation
- AI Co-Pilot financial assistant
- Safe-to-Transfer calculator
- Pay Yourself optimiser
- WhatsApp receipt capture
- Support response4-hour SLA
- Human accountantUnlimited
Government statutory fees (e.g. CS01 £50, incorporation £100) collected at cost when due — zero markup. See full breakdown
Compare full feature listLess admin. Fewer surprises.
Join UK freelancers, contractors, and company directors who keep their books, filings, and compliance under control with Cledo.