Embedded Finance Services

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Bookkeeping Services

Structured management of daily financial transactions, reconciliations, and accurate financial records aligned with accounting standards.

Accurate and up-to-date bookkeeping helps you understand your financial position, stay compliant with tax obligations, monitor cash flow, identify financial trends, and make informed decisions while focusing on growing your business.

We record and categorise financial transactions, perform regular reconciliations, and maintain accurate, audit-ready records aligned with accounting standards through structured and consistent processes.

Our Services Include

•       Transaction recording and categorisation

•       Bank and balance sheet reconciliations

•       Accounts payable and receivable management

•       VAT preparation and support

•       Prepayments and accrual adjustments

•       Payment management

Uptreamly’s Value Add

Beyond maintaining records, we review financial activity to strengthen financial control, reduce compliance risks, and provide clearer insight into business performance to support informed decision-making and sustainable growth. All our services run on fully integrated software, so you only need to submit your documents once - our system automatically extracts and processes everything needed, eliminating manual input and saving you time.

  • Even if you're using Xero or another platform, having a professional review your books ensures entries are coded correctly and your reports are meaningful. Errors made early compound over time and can cause significant problems at year-end or during due diligence. A bookkeeper also frees up your time to focus on the business rather than the admin.

  • Yes. We handle the transition process, including liaising with your previous accountant to obtain all relevant records and ensuring there are no gaps in your history. We'll do a health check on the existing data and flag any issues before we take over the ongoing work.

  • For most clients we complete bookkeeping on a flexible, on-demand basis - reconciling accounts, posting journals and producing a management pack at the end of each month. For high-volume businesses we can move to weekly updates. You'll always have access to your Xero environment so you can check your position at any time between formal updates.

VAT Services

Process of calculating, reconciling, and submitting your VAT returns accurately and on time to HMRC. It ensures that the correct amount of VAT is reported on sales and purchases, in line with UK VAT regulations and reporting requirements.

We provide end-to-end VAT calculation, reconciliation, and submission services, ensuring your VAT returns are prepared in line with HMRC requirements. By reviewing your financial records and VAT transactions carefully, we help minimise the risk of errors, penalties, or compliance issues while maintaining clear and organised reporting processes.

Our Services Include

  • Transaction recording and categorisation

  • Bank and balance sheet reconciliations

  • Accounts payable and receivable management

  • VAT preparation and support

  • Prepayments and accrual adjustments

  • Payment management

Upstreamly’s Value Add

Beyond maintaining records, we review financial activity to strengthen financial control, reduce compliance risks, and provide clearer insight into business performance to support informed decision-making and sustainable growth. All our services run on fully integrated software, so you only need to submit your documents once - our system automatically extracts and processes everything needed, eliminating manual input and saving you time.

  • You must register for VAT when your taxable turnover exceeds £90,000 in any rolling 12-month period (the current threshold as of 2024) or you expect your taxable turnover to go over £90,000 in the next 30 days. You can also register voluntarily if your turnover is below this threshold, which can be advantageous if you have significant VAT-able costs. We'll advise on the best timing and structure for your business.

  • Yes. VAT-registered businesses can reclaim the VAT they've paid on most business purchases, if they have valid VAT receipts (restrictions apply). To ensure you're reclaiming everything you're entitled to, we run checks on your expenses to make sure the correct VAT treatment has been applied.

Payroll Services

We understand that payroll is a critical function within any business. Ensuring your employees are paid accurately and on time, while complying with tax and legal obligations, is essential to maintaining trust and satisfaction in your organisation.

Our Services Include

  • PAYE Registration

  • Payroll processing and administration

  • Pensions and benefits management

  • Payslip generation and distribution

  • Statutory deductions management (e.g., tax, sick pay, maternity pay)

  • End-of-year compliance and reporting (P60, P11D)

Uptreamly’s Value Add

Whether you are a small business or a large enterprise, we tailor our payroll services to suit your specific needs. We work with you to ensure all statutory obligations are met and that your payroll process runs smoothly every time.

With Upstreamly, you can have peace of mind knowing that your payroll is in expert hands, allowing you to focus on your business while we manage this vital function.

  • A payroll expert helps you save time, stay compliant, and keep up with changing legislation - reducing risk and stress.

  • You must register as an employer before your first payday or at the point you take on your first employee. HMRC requires you to register at least four weeks before your first payroll run. We can handle the registration process and ensure your PAYE scheme is set up correctly from the start.

  • All employers in the UK must auto-enrol eligible staff into a qualifying workplace pension and contribute a minimum of 3% of qualifying earnings. Eligible employees are those aged between 22 and State Pension age, earning over £10,000 per year. We manage the enrolment, communications and ongoing contributions as part of our payroll service.

  • Yes. We can bring payroll up to date, submit any outstanding RTI reports and help negotiate with HMRC where penalties have arisen. The earlier you address missed filings, the better - we'll assess the situation and give you a clear view of your exposure and the steps needed to resolve it.

Management Accounts Services

At Upstreamly, we recognise the value of accurate, timely management accounts in helping businesses make informed decisions. These accounts provide key insights into the financial performance of your business, enabling you to monitor cash flow, track profitability, and assess financial trends.

Our Services Include

  • Monthly and quarterly management accounts preparation and reporting

  • Cash flow management and forecasting

  • Key performance indicator (KPI) analysis

  • Budgeting and variance analysis

Uptreamly’s Value Add

We prepare detailed management accounts that give you a clear picture of your financial situation. Our team works closely with you to ensure your management accounts are accurate, insightful, and tailored to your specific business needs, helping you stay on top of your finances and make data-driven decisions.

Whether you're looking to track performance monthly or quarterly we deliver management accounts that highlight the key metrics you need to drive success. We provide clear AI integrated reports that support strategic planning and decision-making at every level of your business.

With Upstreamly, you gain more than just financial reporting. Our management accounts offer the insight you need to steer your business towards growth, profitability, and sustainability.

  • Statutory accounts are prepared once a year for Companies House and HMRC - they look back at the previous year and must follow strict accounting standards. Management accounts are prepared monthly or quarterly, and are designed for internal decision-making. They're often more detailed and can be tailored to show exactly the information you need.

  • Management accounts are valuable at any size. For small businesses, they help you understand whether you're profitable month-by-month, identify cost overruns early, and give you the data you need when approaching investors or lenders. Many founders are surprised by how much clarity a simple monthly pack provides.

Cashflow Monitoring and Forecasting

Forward-looking cash flow forecasts and regular monitoring to help manage liquidity, anticipate funding needs, and maintain financial stability.

Why Cash Flow Management Matters
Strong cash flow visibility helps businesses understand their short and medium-term financial position, ensuring they can meet operational obligations, plan for growth, and avoid unexpected liquidity pressures.

How We Deliver the Service
We develop structured cash flow forecasts based on your operational data, financial performance, and strategic plans. Through regular monitoring and updates, we help track actual performance against forecasts, identify potential shortfalls, and support proactive financial planning.

Uptreamly’s Value Add
Beyond forecasting, we provide insight into cash flow drivers, working capital management, and funding requirements. This helps leadership teams make informed decisions, improve financial resilience, and ensure the business has the liquidity needed to support sustainable growth.

  • Cash flow forecasting helps ensure you have enough funds to meet your liabilities and maintain sufficient runway for your business. We develop structured forecasts based on your operational data, financial performance, and strategic plans. Through regular monitoring and updates, we track actual performance against forecasts, identify potential shortfalls early, and support proactive financial planning - giving you greater control and confidence over your cash position.

Company Secretarial

Ongoing company secretarial support, including statutory filings, registers, and governance requirements, ensuring companies remain compliant with Companies House obligations.

How we deliver it

  • Company Incorporation

  • Submit the financial statements to the Registrar of Companies;

  • Complete and submit the Company’s confirmation statement; and

  • Complete and submit any other forms which are required by law to be filed at Companies House, provided that you keep us fully informed of any relevant changes or events which are required to be notified to Companies House within one week of the change or event.

  • ACSP Verification

  • Notary Services

Uptreamly’s Value Add

We act as a trusted point of contact for all your Companies House obligations, proactively reminding you of deadlines and filing on your behalf before penalties arise.

  • A Confirmation Statement (previously known as the Annual Return) is a yearly filing to Companies House that confirms your company’s key details, including directors, shareholders, registered address, and share capital. It must be filed within 14 days of your review date, which is the anniversary of your company’s incorporation.