IR35 protection that actually holds up under investigation
Most contractors hope they’re outside IR35. Cledo.tax gives you a documented, professionally reviewed determination for every contract — with a complete audit trail ready if HMRC calls.
Start your IR35 assessment1 in 4
IR35 investigations result in an average penalty of £30,000+
8 questions
our CEST assessment completes in under 2 minutes
5 document types
a complete Defence Pack covers every HMRC angle
How it works
Answer 8 questions about your contract
Substitution rights, client control, financial risk, equipment, exclusivity, integration. Our engine applies HMRC’s exact CEST logic and returns an outside / inside / borderline determination with a confidence score.
Upload your contract documents
Signed contract, Statement of Work, substitution evidence, insurance certificate, working practices documentation. All encrypted, all permanently stored, all searchable. Accessible in seconds.
Your accountant reviews and signs off
Complete+Accountant subscribers receive professional IR35 sign-off on each determination. Your accountant is automatically notified when a new contract is added. All sign-offs are timestamped and stored.
The 5 documents that defend your outside IR35 position
Signed Contract Agreement
HMRC will want to see the terms under which you were engaged. A contract that clearly shows project-based work, not employment, is essential.
Statement of Work
Defines the specific deliverable. Demonstrates you were hired for an outcome, not to fill a role — a key distinction from employment.
CEST Determination
Your completed determination, timestamped and stored. Shows you took the IR35 question seriously before starting work, not after HMRC called.
Professional Indemnity Insurance Certificate
Employees don’t carry their own insurance. Your PI policy is evidence of genuine business risk — an outside IR35 indicator.
Working Practices Evidence
Communications showing your autonomy — flexible hours, no clock-in, your own equipment, multiple clients simultaneously.
Already inside IR35? We help you limit the damage.
- Deemed salary calculation so you know exactly what you owe
- Pension salary sacrifice to legally reduce the deemed payment
- Identification of all allowable expenses within IR35 rules
- Strategy for taking on additional clients to reduce single-client dependency