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Pay less tax:
Start a limited company

It could be time to move on from umbrella...

Do you earn more than £200 per day?
If yes, then setting up a limited company is most likely the most tax-efficient way to structure your business. We want you to take home more of your hard-earned money. If you currently use an umbrella company we can help you switch to a limited company so you can reduce your tax bill.

Comparison of take-home pay: Limited company vs umbrella

Daily rate Ltd Co (net pay p/a)* Umbrella (net pay p/a)* Using a limited company you save:
£200 £36,051 £31,722 £4,329
£300 £51,434 £44,072 £7,362
£400 £63,463 £55,285 £8,178
£500 £75,491 £66,497 £8,994

NB: The Ltd Co figures incl. provision for accounting fees of £1,300 p/a.

*2017 -2018 rates. Illustrative amounts. Individual amounts and special circumstances will affect the actual figures.

The advantages of a limited company structure over umbrella

  • Tax efficiency / better take-home-pay
  • Increased earnings potential
  • Potential to grow an actual business, like a consultancy
  • Allows you to provide services to multiple clients

Setting up a limited company in the UK is simple

Slash your tax bill

Minimise the risks of limited company contracting by partnering with a firm possessing over 20 years' experience. With accounting service packages starting from only £66 p/m (incl. VAT) you're just a few clicks away from tax-efficiency.

We offer three accounting packages. Each package includes a comprehensive service to take care of your limited company requirements, from start to finish.

  • Face-to-Face: Meet your dedicated accountant on a regular basis
  • Standard Online: Communicate regularly with your dedicated accountant online; telephone, email and our client portal
  • Basic Online: Use Sage One online to link your bank account, enabling us to offer a low fee service.


All fees quoted exclude VAT Basic Online Package* Standard Online Package* Face-to-face Package* Pay-as-you-go options
Monthly fee (non-VAT registered) From £55 From £94 From £102 Icon-cross
Monthly fee (VAT registered) From £65 From £110 From £127 Icon-cross
Company set-up Icon-tick Icon-tick Icon-tick £100
Assistance with bank account Icon-tick Icon-tick Icon-tick Icon-cross
Initial consultation Phone Phone Face-to-face £150
PAYE scheme set-up Icon-tick Icon-tick Icon-tick £50
Employee payments schedule Icon-tick Icon-tick Icon-tick £80
Registered office for contractors Icon-cross Icon-tick Icon-tick £180 p/a
Quarterly financial “health check” Icon-cross Phone and email Face-to-face £350
Quarterly bookkeeping Icon-cross Icon-tick Icon-tick £350
Dedicated accountant Icon-cross Icon-tick Icon-tick Icon-cross
Financial accounts Icon-tick Icon-tick Icon-tick £650 - £1,000
Payroll returns (monthly RTI) Icon-tick Icon-tick Icon-tick £20 p/m
Annual confirmation statement (excl. £13 Companies House filing fee) Icon-tick Icon-tick Icon-tick £20
VAT returns Icon-tick Icon-tick Icon-tick £350 per VAT return
VAT and Flat Rate VAT registration Icon-tick Icon-tick Icon-tick £50 for VAT and Flat Rate VAT registration
Personal tax From £140 From £140
Company closure From £150** From £600 - £1200**
Reference letters (visas/mortgages etc.) from From £75
Interim accounts (for visas/mortgage etc.) £200 - £450
Other administrative requirements Quotes available on request
*These fees are for single employees or shareholders. An additional fee from £500 per annum will be added for every additional employee/shareholder.
**The fees quoted here are a guide only. They are based on the estimated time it takes to complete work and so they are subject to change. We will always notify you of the actual cost of the service.

Interested? Complete our form to get started!






For your peace of mind

We are Sable International, a specialist outsourced bookkeeping, accounting and financial management practice for businesses, private individuals and contractors. Along with being regulated by all the appropriate bodies in the UK, we are also an associate member of the Freelancer & Contractor Services Association (FCSA). This means that we:

  • Do not operate an offshore scheme
  • Do not operate a contractor loan scheme
  • Agree with their charter
This is just another way that we ensure you will always have peace of mind when you use our contractor accounting services.

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In partnership with Sage One UK | Accounting Software for small businesses

Accounting software for start-ups and small businesses from Sage, the UK's leading business software provider.

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If you have any questions about our packages or our service offering we’d love it if you called us on +44 20 7759 5506 or emailed us at

What people say about Sable International 


“The output that we have received over the last 4 years has always been top class. They epitomise efficient, flexible, deliverable-driven, professional, value added service. Nothing is ever inconvenient. Nothing is ever too much to ask.”

- CFO, restaurant group

“Sable International offers the best value for money in the financial services market place.

A true stand-alone in terms of relationship management as well as one of a kind expertise for market knowledge.

The most professional and courteous staff I have ever encountered industry-wide!”

- Brendan Harte

“I wanted to drop you a quick note of thanks. I have just received a report detailing that, since working with Sable International, we have saved £7,635 in exchange rates and bank charges. I promised we’d keep an eye on your exchange rate margin and I am happy that hasn’t changed. Keep up the good work!”

- Owner, medium-sized fruit importer

“You have been instrumental in building a stable financial base for our company. We have always found your service to be fast, efficient and accurate. Of more value, however, has been your sound advice; you have become our trusted advisors”

- Managing Director, communications company

“Working with you has allowed us to re-engineer our accounting function by providing us with an onsite accountant and part-time financial manager for a similar cost to a fully employed accountant. We receive useful management accounts with pre-agreed KPI’s and analysis on a timely basis each month. Because you manage the entire process no disruption occurs in the event of a change to the accounting team”

- Managing Director, recruitment firm


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United Kingdom


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