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Manchester. London. Wherever your agency is based.

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alto.

ACCA accountants for UK creative and marketing agencies. Specialists in agency cash flow, retainer math, and director tax planning.

Alto Accounting Ltd86–90 Paul Street
London EC2A 4NE
Company No. 15343741
Registered practice

Services

  • Bookkeeping
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Agency tax brief

Practical finance for UK agency founders

Monthly. Deadlines, quick wins, nothing fluffy.

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A signed-off report by working day 10 — P&L, cash position, and what matters this month.

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Specialist vs generalist

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Generalist accountants miss what matters for agencies: WIP, utilisation, retainer deferrals, and the rhythm of project work.

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Home/Why a specialist accountant
Why a specialist accountant

Your business isn't generic. Your accountant shouldn't be either.

Three revenue streams. Contractor stacks. Media passthrough you're holding on behalf of clients. Here's why UK creative agencies get better results with an accountant who already speaks the language.

Free financial health checkSee pricing
Retainer · project · passthrough — booked correctly
IR35, R&D, VAT schemes that actually fit agencies
P&L3 revenue streams · agency ledger
RETAINER£8,400£8,400£8,400PROJECT£12,500£3,200£18,000PASSTHROUGH£42,000£28,500£36,000Q3 · AGENCY P&L3 STREAMS · TRACKED
Booked the way agencies actually run
01The problem

Most accountants treat every business the same.

For agencies that means missed opportunities, generic advice, and tax bills that are higher than they need to be.

01

You explain your business model every time

Retainer revenue, project fees, media passthrough. A general accountant treats these like foreign concepts. You end up educating them instead of getting advice.

02

Your cash flow advice is generic

Agency cash flow is unique. Client payment terms, contractor costs hitting before client payments arrive, seasonal dips between campaigns. Generalists don't account for any of this.

03

You're probably paying too much tax

Without understanding agency-specific reliefs (R&D tax credits, capital allowances on equipment, optimal salary/dividend splits), your accountant can't minimise your tax bill.

04

IR35 and contractor risk is a minefield

Agencies rely heavily on contractors. Getting IR35 wrong means backdated PAYE bills, penalties, and HMRC investigations. Generalists rarely understand off-payroll rules.

02What you get

An accountant who knows agencies inside out.

Faster ramp, real tax savings, reporting that's actually useful, and a steady hand on compliance.

01

Faster, more relevant advice

No ramp-up time. A specialist already knows what healthy agency margins look like, how retainer revenue should be recognised, and what tax reliefs you're missing.

02

Meaningful tax savings

Specialists know where to look: R&D credits for digital agencies, employment allowances, pension structuring, and VAT schemes that actually work for agencies.

03

Reporting that makes sense

Management accounts broken down by client, project profitability analysis, utilisation metrics. Not a generic P&L that tells you nothing actionable.

04

Proactive compliance support

From IR35 assessments to Making Tax Digital, a specialist stays ahead of regulation changes that specifically affect agencies.

03Common questions

Straight answers, no fluff.

What's the difference between a specialist and a general accountant?
A specialist accountant understands your industry's business model, revenue patterns, and common challenges. They can give proactive advice specific to agencies, like optimising media passthrough for VAT, structuring contractor payments for IR35 compliance, or benchmarking your margins against similar agencies. A generalist treats all businesses the same.
Will a specialist accountant cost more?
Not necessarily. Specialist accountants are often more efficient because they don't need to learn your business model from scratch. The time saved usually means comparable or even lower fees, and the tax savings from industry-specific advice often outweigh any premium.
When should I switch from a general to a specialist accountant?
If your accountant asks you to explain what a retainer is, doesn't understand why your cash flow is lumpy, or treats your agency like a corner shop, it's time to switch. Most agencies benefit from specialist support once they pass £150k revenue.
How do I know if my accountant understands agencies?
Ask them: How should I handle media passthrough for VAT? What's a healthy gross margin for a 10-person agency? How do I structure contractor payments under IR35? If they can't answer confidently, they're not an agency specialist.
Replies in 24 hours, usually same day
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