Making Good 

Businesses Better...

in 3 Simple Steps

Book A Consultation

Making Good 
Businesses Better

 Trust us to take care of you.

Book A Consultation

Take 3 Simple Steps With 10.CA

Together we can make the difference

Lateness, lack of control, uncertainty…all things that we all dislike in running a business.


We return calls and emails quickly, answer questions fast, take away any uncertainty you have in making decisions, in short, we will give you back control, to get and keep you up-to-date, to give you focussed answers quickly so that you and your business gain and stay in control.


Free Consultation

Our costs are agreed upon before we start any work, at the ‘Welcome’ stage.


Our clients love fixed costs as it gives them certainty, builds Trust and allows us to focus on our work and on Taking care of you.


Free Consultation

We want you and your business to be the best they can be, which is why we take the time to listen to your goals and aspirations at the earliest opportunity.


Once we have listened and understood your needs, we embrace that in our work and in the focussed advice we give.


We make sure we use the best technology and the best systems (we are Cloud Platinum partners to Xero and QuickBooks).


The best people are recruited and trained to look after you and keep you up to date with what is best for you and your business.


Our simple 3 step service promise gives us the opportunity to help you create a truly rewarding business.

Free Consultation

  • Making Good Businesses Better... in 3 Simple Steps


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  • Making Good Businesses Better... in 3 Simple Steps


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  • Making Good Businesses Better... in 3 Simple Steps


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  • Making Good Businesses Better... in 3 Simple Steps


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Welcome to 
10. Chartered Accountants 

We offer full tax, bookkeeping and accounting services, so you can focus on everything else in your business. 

With our expertise and know-how, we'll help you save money, reduce stress, and focus on your real priorities. 

Let’s talk about your accounting needs

Send us your details and we’ll arrange a time to discuss how we can support your firm or business.

About 10 Chartered Accountants Northampton

10.CA are Chartered Accountants, based centrally in Northampton. We provide a client focussed service to forward-thinking business people and their businesses. Our clients receive timely, effective and highly committed support to help their businesses move forward in an environment that is increasingly complex, competitive and fast-moving. 

We understand the challenges and opportunities facing businesses today, in particular with the added challenges that have been presented overcoming the impact of the Covid pandemic on us all. We have had to be especially focussed during this time.

With the development of Cloud-based software and the migration of digital accounting, HMRC’s vision to digitalise the UK tax system is now well underway. 10. CA is here to help its clients in Northampton and we have a specialists team to ensure that your business is guided through the process of Making Tax Digital. We are tax specialists and Cloud Platinum partners to Xero and QuickBooks putting us in a great position to advise you in relation to your future business needs.

Our friendly team of qualified accountants Northampton help take the stress away from government agency red tape, as well as offering professional information and insight for you to plan your business strategically.

Check Out Our Accounting Services

Our range of services to businesses are broad

Accounting & Taxation

We are experienced in dealing with the accounting needs of companies, partnerships and sole traders in all types of industry and in the 'not for profit' sector

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Cloud Accounting

We offer a range of  cloud accounting solutions and software. Most importnantly, we will advise you and recommend the most appropriate one for your business. 

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Growth Planning

We can provide you with critical information to assist you in the management and growth of your business including

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Research & Development

Research & Development tax relief can significantly reduce your company’s corporation tax bill and can even get you cashback - We have helped some of our clients do just that!

10. Chartered Accountants Happy Clients

Join our growing list of satisfied clients

Our specialist client industries and sectors include:

"I would have no hesitation in recommending them to any business, in fact I have done so several times."

 Dentists 
Stay on top of the regulations that affect your business. 
Licensed Trade 
Stay on top of the regulations that affect your business.
Contact us today
E-Commerce
Stay on top of the regulations that affect your business. 
Start ups
Stay on top of the regulations that affect your business.

 Cloud Accounting Platinum Partners to Xero & QuickBooks:

Information drives decision making. It's no understatement to say that Cloud accounting has revolutionised the relationship with our clients…if the Cloud is set up and used properly, we no longer need to wait for financial information, it is ready to use to advise clients so that decisions can be made, fast.

Our clients benefit from our depth of experience and detailed knowledge of Cloud accounting. We fully embrace the cloud-based technologies which have radically changed the way businesses process their data and produce critical timely financial information.

We are also proud to have received recognition from the two worldwide leaders in cloud accounting software provision, Xero and QuickBooks with the award of Platinum Partner status from each of them.

In adopting Cloud throughout the practice, we have the opportunity to collaborate with you online so that we can use our time providing true value rather than doing the routine keystrokes. Check out the key benefits of adoptin g Cloud here.

Need a fresh approach? A new Accountant? 

10. Chartered Accountants News Updates

Keep up to date with the latest news

Invoice financing - Liberating cash tied up in late payments

By Charlie Flockhart • August 21, 2026
SMEs in the UK have struggled with late payments for years and cash tied up in unpaid invoices can put pressure on your business’s ability to operate effectively. Invoice financing can release funds locked up in late payments, giving a business an instant cash flow injection until the outstanding balance is settled. Consistent late payments can significantly stunt business growth, especially for SMEs with thinner cash reserves. What is invoice financing? Invoice financing works by a lender using unpaid invoices as collateral for funding. Lenders can advance up to 95 per cent of an invoice’s total value almost immediately, instead of waiting 30 days, 60 days or longer for payment from a customer. The remaining balance of an invoice’s value can be settled once the customer has paid and lenders will deduct a service charge and discount depending on the value of the loan. This means SMEs can instantly access capital that would be otherwise trapped, allowing them to offer more payment flexibility to clients. When is it worth it? This method of securing working capital is a great fit for firms that experience long waits for payment, either due to contract terms or overdue invoices. Invoice financing helps keep cash flow healthy to cover running costs, begin new projects and reinvest money into business growth. However, invoice financing is not a silver bullet. Businesses with narrow margins might not be able to use these services, as the fee structures can sometimes dent profitability. Likewise, businesses with a small volume of invoices that are high value might face disproportionately high costs for advancing payments. Also, if a business typically receives quick payment turnaround, a short-term overdraft loan may be more appropriate. Seeking advice Whether invoice financing is the right choice for you will depend on a number of factors, so getting a second opinion from a specialist can help you decide. Our accountants can assess your position and advise which options will work best, helping you overcome the frustration of late payments. Get in touch to find out more about invoice financing.

I have received a HMRC enquiry letter – What do I do now?

By Charlie Flockhart • August 21, 2026
HMRC enquiry letters are sent to individuals to notify them that HMRC has chosen to formally investigate their tax affairs. While some enquiries are carried out randomly, the majority are selected based on a risk assessment of a business. These checks should not be seen as accusatory, as they are often a routine procedure to make sure your business is compliant and the correct amount of tax is being paid. If you’ve received a letter, you need to know what to do. Why are there more enquiries? It is no surprise enquiries are on the rise when the UK’s estimated tax gap for 2024 to 2025 sits at £59.2 billion, up £6.4 billion on the previous year, according to HMRC. The largest component of the tax gap by customer group is small businesses, accounting for 62 per cent of lost liabilities. HMRC is feeling the fiscal squeeze and small businesses have been identified as a key target for closing the tax gap. How should I respond? After receiving an enquiry letter, you have 30 days to respond from the date printed. Your first step should be to speak with your accountant and gather all the relevant documents and information that has been requested by HMRC, making sure each requirement is reasonable. Next, the information should be reviewed to understand the context and implications of the information HMRC has asked for. If you believe there is anything that might need to be disclosed, it is important that a disclosure is made as early as possible. HMRC reviews the timing of any disclosure when deciding on penalties. Finally, when you are ready, respond to HMRC with the information alongside any explanations or clarifications. If the deadline is not realistic, it is important to request an extension before a response becomes overdue. How can an accountant help? Accountants can help distinguish between information that is ‘reasonably required’ by HMRC and that which goes beyond their scope. It is not uncommon for HMRC to ask for a response that is broader than what is required, but an accountant can explain where and when disclosure is needed. Throughout the process, accountants can oversee communication with HMRC to minimise inconsistencies and handle extension requests properly. HMRC enquiries can feel overwhelming. If you have received a letter, speak with our team at the earliest opportunity.

Companies House issues warning over scammers

By Charlie Flockhart • August 21, 2026
Companies House has issued warnings to directors after a rise in scam emails following the organisation's new identity verification processes. The scams are designed to create urgency and encourage directors to hand over personal information or click malicious links. While the changes are intended to help tackle economic crime and improve trust in the UK company register, criminals are exploiting uncertainty around the new rules to target businesses. What is the scam? The scam typically starts with an email claiming that a company director, Person with Significant Control (PSC) or other company officer must complete an identity verification process. The message often contains urgent language and may warn recipients that failing to act could result in penalties, restrictions or compliance issues. The aim is to pressure recipients into responding before they have time to verify whether the communication is genuine. Many of the fraudulent emails closely resemble legitimate messages from Companies House. In some cases, scammers have copied wording directly from official correspondence, making the emails appear authentic at first glance. However, recipients are often directed to fake websites that have been created to collect personal information, login credentials or financial details. Companies House has made it clear that these requests should be treated with suspicion. What do fraudsters want my information for? If criminals successfully obtain personal or company information, they may use it for a range of fraudulent purposes. Information such as names, dates of birth, addresses and contact details can be used to commit identity theft or build a detailed profile of an individual director. This information may then be used to impersonate them in future scams or financial crimes. Fraudsters could also attempt to gain access to company accounts, submit unauthorised filings or impersonate directors when communicating with suppliers, customers or financial institutions. If authentication codes or account credentials are compromised, criminals may be able to access sensitive information or make changes to company records. In many cases, stolen data does not remain with a single criminal group. Personal and business information can be sold to other fraudsters and used in future phishing campaigns, banking scams, invoice fraud schemes or tax-related scams. Once a director has been identified as a potential target, they may become the focus of increasingly sophisticated attacks. What are the signs of a scam to look out for? Business owners need to look out for signs of scams to ensure they do not fall victim to them. Signs to look out for include: Emails sent from non-genuine email addresses that do not end in Gov.uk – all emails from Companies House will end in official government domains. Messages that create a sense of urgency and demand immediate action. Requests for information that do not have a clear reason. Links to websites that do not use an official Government web address. Emails with suspicious attachments, unusual wording or spelling mistakes. If you have received an email from Companies House that you believe is a scam, report it immediately to: phishing@companieshouse.gov.uk and delete the email from all mailboxes. Full guidance on scams can be found here .

 Keep up to Date With the Latest News. 

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FAQs - Accountants in Northampton

  • How much does an accountant cost in Northampton?

    The cost of an accountant in Northampton depends on the complexity of your needs and the services you require. At 10. Chartered Accountants, all fees are agreed upfront before any work begins, with no surprises and no charging by the minute. Contact us for a tailored quote based on your specific requirements.

  • Do I need a local accountant in Northampton, or can I use an online accountant?

    While online accountants can handle routine compliance work, a local Northampton accountant offers something online services rarely can, a genuine relationship with someone who understands the local business environment and is available to meet face to face when it matters. Complex situations like R&D tax claims, business acquisitions, or tax investigations benefit enormously from having a qualified chartered accountant who knows you and your circumstances. 10. Chartered Accountants offers the best of both worlds: cloud-based efficiency combined with local expertise and a real team you can call.


  • What's the difference between a chartered accountant and a regular accountant in Northampton?

    The title "accountant" is not legally protected in the UK, anyone can call themselves one. A Chartered Accountant (ACA/FCA) or Chartered Certified Accountant (ACCA/FCCA) has completed rigorous professional training and examinations, is regulated by a recognised accountancy body, and must maintain their knowledge through continuing professional development. They are also required to hold professional indemnity insurance. When you choose 10. Chartered Accountants, you're working with a firm regulated by the ICAEW, giving you the protection and quality assurance that designation brings.


  • When should I switch accountants in Northampton?

    You should consider switching accountants if: your current accountant is hard to reach or slow to respond; you're getting compliance-only service with no proactive advice; your business has grown and you feel you've outgrown your current firm; your accountant isn't familiar with cloud accounting tools like Xero or QuickBooks; or you simply feel you're not getting value for money. Switching is straightforward, your new accountant handles the professional clearance process. At 10. Chartered Accountants, we make switching easy and are happy to talk through your current situation with no obligation.


  • Can an accountant in Northampton help me with Making Tax Digital (MTD)?

    Yes, and if you're self-employed, a landlord, or run a VAT-registered business, it's important to act now. MTD for VAT has been mandatory since 2022. MTD for Income Tax applies from April 2026 for those earning over £50,000, with the threshold dropping to £30,000 in 2027. 10. Chartered Accountants is a Xero Platinum Partner and QuickBooks Platinum Partner, meaning we're among the most qualified firms in Northampton to help you transition to compliant digital record-keeping. We'll set up the right software, train you on how to use it, and handle your quarterly submissions.