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Accounting Coming soon Learn Tools About Register interest

Accounting software for UK small businesses, without the noise.

Holm Accounting is steady ground for your books. It drafts the busywork, tells you early when something needs you, and nothing posts or goes to HMRC until you approve.

Register interest Try it: approve a line
Coming soon. Built in the UK, for UK tax. [PH] launch timing
Today · Northfield Joinery
Needs a look · 3
Cash today£24,180
Safe to spend£3,480
VAT due (Q2)£3,420
Holm suggestsMemory

Categorise this bank line

Tesco Stores 3892, £48.60 on 4 Sep. Suggest Cost of sales, Materials.

Based on · Same as your last four Tesco lines · NatWest feed
Sample business and figures, for illustration
Every suggestion shows its source
Nothing posts without undo and an audit trail
Your accountant gets proper books
[PH] security / data-residency claim, Legal to approve

How the books stay steady

  1. A bank line arrives.

    Tesco Stores, £48.60, straight from your bank feed. Nothing is posted yet.

  2. Holm suggests where it goes, and why.

    Cost of sales · Materials, because that's where your last four Tesco lines went.

  3. You approve. It's in the books, with undo.

    One tap. Every change keeps an audit trail.

  4. Payments find their invoices.

    Kestrel Ltd's £4,200 matches INV-1051 on amount, payer and reference.

  5. Your VAT draft fills itself in.

    Boxes tie back to the ledger. Nothing goes to HMRC until you approve.

  6. Everything settles into one calm view.

    Cash, what's safe to spend, what's due, and nothing left that needs a look.

Cash today£28,380
Safe to spend£3,480
VAT draft (Q3)£3,420
Needs a look0 · Sorted
Bank · NatWest ····4821 Live feed
Tesco Stores 3892
4 Sep · Card payment
−£48.60
Bank line · not yet posted
Needs a lookApproved ✓
Holm suggests: Cost of sales · Materials
Based on · same as your last four Tesco lines Memory
Approve categoryEditApproved · Undo
KESTREL LTD
2 Oct · Faster payment
+£4,200.00
MatchINV-1051 · settled
VAT return · Jul–Sep Draft
Box 1 · VAT due on sales£5,180.00
Box 4 · VAT reclaimed£1,760.00
Box 5 · Net VAT to pay£3,420.00
Box 6 · Total sales ex VAT£25,900
Nothing goes to HMRC until you approve.
Review draft

Sample business and figures, for illustration

Built in courses

Clear on top. Calm in the middle.
Solid underneath.

Our mark is three courses of stone on a copper footing. The product is built the same way.

Clear

Owners see what matters: cash, what's due, what needs you. Accountants get proper, exportable books.

For the owner

Calm

No neon, no theatre. Holm drafts and suggests; you review and approve. Every number explains itself.

Draft · Suggest · Review

Built to grow

Start with accounting. Holm grows into the admin around your books, without changing what you already know.

Start with the books
Holm Assist [PH] feature name not locked

Holm drafts.
You decide.

The busywork comes to you already done, with its reasons attached. You stay the one who signs off.

Drafts you approve, with the source shown

  1. 1
    DraftBank lines, bills and receipts arrive coded from your own history.
  2. 2
    Explain"Same as 14 Aug · INV-1042." Every suggestion cites where it came from.
  3. 3
    ApproveOne tap to confirm, edit or skip. Undo is always there.
Holm suggests

“Your VAT draft is ready. Nothing goes to HMRC until you approve.”

No auto-filingReturns are prepared, never sent without you.
No confidence theatreSources, not percentages.
No black boxesTap any number to see the lines behind it.
No silent postsUndo and audit on every change.
Signals

Told early, in plain English.

Not another dashboard. A few well-timed cards when something is about to matter: a tax bill you haven't saved for, a customer who always pays late, a threshold creeping up.

● Needs you · 7 days

January tax: about £6,375 due on 31 Jan

£1,415 short

In your tax pot: £4,960. £4,250 for 2025–26 plus a first payment on account of £2,125.

Plan for it →
From ledger · Holm estimate · updated 09:12
Worth a look

Kestrel Ltd's £4,200 is likely to be late

They've paid their last 5 invoices 9–15 days late. A friendly note before Friday often helps.

Draft a friendly reminder →
From invoices + bank matches · updated 09:12
Worth a look

You're at £81,240 of the £90,000 VAT threshold

At your recent pace you could pass it in about 11 weeks.

See what counts →
From ledger (214 sales) · updated 09:12
The Monday brief · 07:30Your week: £4,200 due in, nothing due to HMRC
See a sample brief →

Sample cards from the Business Signals design pack (Northfield Joinery fixture). Signals are information, not advice. [PH] Legal wording

Tax-day calm planner

Know January before January knows you.

Move the slider. See what's due on 31 January and 31 July, and what to put aside each month so it isn't a shock.

Income Tax and Class 4 NI from your Self Assessment.
£0 if this is your first year in Self Assessment.
31 January 2027
£6,375
£4,250 balance for 2025–26 + £2,125 first payment on account for 2026–27
31 July 2027
£2,125
Second payment on account for 2026–27
Put aside each month until 31 Jan
£472

You're £1,415 short for January. In Holm, this becomes a Signal that updates from your books as you go.

Illustrative estimate using the standard payments-on-account rule (each 50% of the previous year's bill; not due if the bill is under £1,000 or 80%+ was taxed at source). Information, not advice. [PH] rules from signed rules register + Legal copy

In plain words: with a 2025–26 bill of £4,250 and no payments on account made, you pay about £6,375 on 31 January 2027 (the £4,250 balance plus a first £2,125 payment on account for 2026–27) and £2,125 on 31 July 2027. With £4,960 put aside you are £1,415 short for January.

Making Tax Digital for Income Tax

Got a letter from HMRC?
Start with good records.

Quarterly updates are rolling out to more sole traders and landlords each April. Holm keeps the digital records you'll need, and tells you plainly when your turn comes.

[PH] Filing status Holm is not yet recognised for MTD Income Tax filing. Don't imply filing until HMRC access is granted (see HMRC credentials research, 10 Oct).

When does it apply to me?

Your qualifying income (self-employment + property, before expenses) in the tax year two years earlier.

From 6 April 2027

You'll likely need to send quarterly updates from the 2027–28 tax year. Start keeping digital records now and the switch is a non-event.

The short answer: MTD for Income Tax applies by qualifying income (self-employment plus property, before expenses):

  • Over £50,000: from 6 April 2026
  • Over £30,000: from 6 April 2027
  • Over £20,000: from 6 April 2028
  • £20,000 or less: no start date published yet

Thresholds per HMRC's published rollout. [PH] verify against rules register

Everything the books need

Simple where it should be.
Precise where it must be.

Invoices & quotes

Send, chase kindly, get paid. Credit notes when you need them.

Invoices and quotes

Bank feeds & reconciliation

Matches proposed from your history, with the reason shown. [PH] feed provider

Bank feeds and reconciliation

Drop a bill, get a draft

Upload an invoice or receipt; it becomes a coded draft for you to confirm.

VAT returns

Boxes 1–9 tie back to the ledger. Prepared for you, submitted by you. [PH] HMRC status

VAT returns

CIS for the trades

Deductions suffered and made, kept straight for subcontractors and contractors.

Tax Centre

Every deadline, what you'll owe and whether you're ready, in one place.

Tax Centre

Cash forecast

See the low point before it arrives, including the tax bills.

Reports & accountant pack

P&L, balance sheet and a clean export your accountant will thank you for.

Reports and the accountant pack

[PH] feature list to be cut to confirmed launch scope (PM roadmap v0)

Two people, one set of books

Clear enough for the owner.
Serious enough for the accountant.

For owners

Books you trust, without living in them.

Sole traders to teams of about twenty. Know your cash, stay VAT-ready, hand over clean books.

In HolmYour VAT draft is ready. Nothing goes to HMRC until you approve.
How Holm works for owners →
For bookkeepers & small practices

Review, not re-keying.

Clients do the first pass with Holm's help. You get a review queue, sources on every line and a clean handoff.

In HolmClient submitted Q2 for review. Boxes 1–5 match the ledger — ready for your sign-off.
Partner programme [PH] →

Pricing and proof

Pricing [PH] pricing narrative open

Simple tiers vs accountant-partner SKU is undecided (GTM one-pager §9). Slot: 2–3 plain plan cards, monthly/annual toggle, "what's included" in one line each. No prices shown until David signs.

What early users say [PH] no testimonials yet

Slot for 2–3 real quotes from beta users or partner bookkeepers, with name, trade and town. Do not fabricate. Until then, this section can be hidden.

Questions

Straight answers.

Who is Holm Accounting for?

UK sole traders and small businesses up to about twenty people who want books they trust without living in the ledger, and the bookkeepers and small practices who look after them.

Does Holm's AI file anything for me?

No. Holm drafts, suggests and explains. You review and approve. Nothing posts to your books without undo and an audit trail, and nothing goes to HMRC until you approve it.

Is Holm ready for Making Tax Digital?

Holm keeps the digital records MTD needs and shows you when quarterly updates apply to you. [PH] HMRC recognition status for VAT and Income Tax, PM/Legal to confirm before publishing

Can my accountant work in Holm?

Yes, that's the idea: owners do the first pass, accountants and bookkeepers review with sources on every line and export clean books. [PH] partner access details

How much will it cost?

[PH] pricing not decided Register interest and we'll tell you before anything is charged.

Can I switch from Xero, QuickBooks, Sage or spreadsheets?

[PH] import scope We'll publish exactly what moves across, and how, before launch.

Start with the books.
Grow into Holm.

Holm Accounting is for UK small and micro businesses that want clear books and a calm head at tax time.

Privacy notice

We save your email so we can tell you when Holm Accounting opens. The tick box starts unticked, and we store whether you agreed. [PH] Legal to confirm this wording

Bookkeeper or practice? Talk to us →

[PH] CTA stays "Register interest" while Holm Accounting is coming soon

Steady ground for your books. Register interest