Accountants for the peoplewho work in Canary Wharf.
Cloudkeepers works with contractors, consultants and small businesses based in and around Canary Wharf. Our office is on City Road near Old Street, and almost everything is handled online, which suits people with long days on the Wharf.
Businesses in Canary Wharf.
Canary Wharf ·Isle of Dogs ·Heron Quays ·South Quay ·Poplar ·Limehouse ·Blackwall ·Crossharbour ·Wood Wharf
Canary Wharf is built around banks, law firms and consultancies, and a large share of the people working in those towers are not employees. IT contractors, project managers, change consultants and interim finance staff work through their own limited companies or umbrella companies, often on contracts that run for months at a time. Around the estate, on the Isle of Dogs and in Wood Wharf, there is a growing number of residents who own buy-to-let flats and small service businesses serving the Wharf.
The questions we hear most are about IR35 status and what it means for take-home pay, the right mix of salary and dividends, pension contributions through the company, and what happens between contracts. Many clients also have a rental flat, investments or share awards from a previous employer to report. We prepare the company accounts and Corporation Tax return, run a small payroll, and handle the personal return as one joined-up job.
We are at 124 City Road, EC1V, near Old Street. People on the Wharf rarely have time for office visits, so most of the work is done through Xero or QuickBooks, a receipt app and email, with a video call when a decision needs discussing. If you would rather meet in person, we are a short Jubilee and Northern line journey away.
Who we work with locally.
- IT and finance contractors working through limited companies
- Management and change consultants on fixed-term engagements
- Interim finance and project staff
- Landlords with flats on the Isle of Dogs and in Wood Wharf
- Small professional firms serving the estate
- Employees with share awards, bonuses or overseas income to report
Accountants for contractorsAccountants for limited companiesAccountants for landlords and property investors
Getting to us.
124 City Road, London EC1V 2NXCanary Wharf to Old Street is a Jubilee line trip to London Bridge and then the Northern line, or the Elizabeth line to Liverpool Street and a short walk or bus.
What we do for Canary Wharf businesses
- 02Annual Accounts & Corporation TaxYear-end accounts and company tax work within the agreed engagement.
- 03Self AssessmentPersonal tax return support for individuals, directors and sole traders.
- 05Payroll & PensionsPayroll processing and related workplace pension administration.
- 04VAT ReturnsReview and preparation of VAT returns, based on the agreed service and available records.
Questions from Canary Wharf
Yes. If a contract is inside IR35 we explain what that does to your take-home pay, compare working through an umbrella with keeping your company, and make sure deemed employment payments are handled correctly. If you have a mix of inside and outside contracts in a year, we deal with both on the same return.
For most sole directors a small salary around the personal allowance plus dividends from profit after Corporation Tax works best, with employer pension contributions for anything you do not need now. The right mix depends on your other income and plans, so we run the numbers for your situation. Our salary vs dividend calculator gives a first estimate.
Not really. Contractors tend to have no time for office visits, and the work is done entirely online through cloud software, email and video calls. We are on City Road near Old Street if a meeting is ever useful, but most Wharf clients see us in person once or not at all.
It depends on what is included. A company with one director, a small payroll, VAT returns, year-end accounts and a personal tax return is a standard package; adding a rental property or share awards changes the scope. We agree what you need on a short call and confirm a fixed monthly fee in writing.
Yes, and it is better that way. Dividends, salary, pension contributions, rental income and any share awards or bonuses from a previous employer all interact, so we prepare the company accounts and your Self Assessment return together and make sure nothing is reported twice or missed.
Other areas we cover
Let’s talk aboutyour business.
Tell us where you are, what you need help with and how you would like to work. We’ll start with a conversation.
124 City Road, London EC1V 2NX