Fiscal Umbrella Accountants
Your first ninety days with a startup accountant in Luton
Startup accountant in Luton for technology companies needing SEIS, EIS, R&D and year-end work handled by one qualified person.
The unanswered question often appears just before an angel wants details: is the company ready for advance assurance? Fasih checks that early, then keeps the accounts and relief work connected.
Fiscal Umbrella is a Luton accountancy and tax practice for technology startups. Fasih Khan ACCA handles accounts, corporation tax, SEIS, EIS, R&D and patent box work for a fixed fee agreed in writing, drawing on his own experience of obtaining SEIS advance assurance.
I was stuck with my R&D claim, but Fiscal Umbrella helped me navigate it smoothly. They're professional, efficient, and truly know their stuff.…Cartel Media
- Fasih Khan ACCA
- Fixed fees in writing
- Luton office
- UK-wide remote
What the first ninety days put right
Know what the angel needs next
Advance assurance is checked before it slows the funding conversation.
Plan development reliefs during the year
R&D and patent box are considered while the development work is current.
Make hires with tax already considered
Corporation tax and payroll are discussed before the role is agreed.
The startup decisions that cannot wait for year end
Funding, development and hiring decisions can expose advice that arrived too late.
- SEIS
“An investor asked about SEIS, and my accountant had never checked whether the company could qualify.”
The funding conversation stalled while the missing work was investigated.
- R&D
“We paid for development all year, then learned our accountant did not prepare R&D claims.”
Nobody had screened the work or connected it to the corporation tax return.
- Hire
“We agreed the next hire before anyone showed us the corporation tax position.”
Runway was committed before tax and payroll had been considered.
- Day 90
What changes once advice reaches the funding meeting
Advance assurance is checked before the angel asks. R&D and patent box are considered alongside the year end. Hiring and runway decisions use a current corporation tax position.
Quick check · no email
If your current accountant cannot check SEIS, forecast corporation tax before it lands and answer this week, you have the wrong accountant
Answer these questions about the accountant handling your startup today.
Question 1 of 3
Could they tell you this week whether SEIS advance assurance is realistic?
Could they forecast your corporation tax before it affects a hire?
Could they explain whether R&D or patent box should be considered?
None of those questions is being covered. The set-up review will show which gap should be dealt with first.
Some areas are covered, which is a reasonable start. Fasih’s own SEIS advance assurance shows why the remaining gap deserves a check.
All are covered, so your accountant is doing the job. The startup guides may still help before your next funding conversation.
What changes when filing and advice stay connected
Year-end filing matters, but startup decisions happen before the accounts are signed.
A year-end accountant
Files the accounts after the period closes.
Calculates corporation tax from completed transactions.
Handles routine payroll and bookkeeping.
Leaves specialist reliefs to another provider.
Fiscal Umbrella through the year
Checks SEIS before the investor conversation.
Considers R&D and patent box with the year end.
Discusses corporation tax before a hire is agreed.
Keeps one qualified person on the whole position.
What should be ready before the investor asks
A missing answer here can slow the conversation at the worst point.
- 01
Has SEIS advance assurance been checked?
The answer should come before an angel asks.
- 02
Is EIS part of the later funding plan?
The stages should fit the proposed raise.
- 03
Has development work been screened for R&D?
Claims start with what the company actually built.
- 04
Is registered IP checked for patent box?
Only qualifying registered IP belongs in this discussion.
- 05
Does one person handle claims and year end?
That keeps the claim tied to the corporation tax return.
- 06
Is corporation tax forecast before hiring?
The cost of a role includes payroll and tax.
- 07
Is director pay reviewed during the year?
Salary and dividends should follow the current position.
- 08
Can your accountant speak to the angel?
Fasih can explain the relief to an existing investor.
Which work stays with the same accountant
The accounts, reliefs and funding questions are handled together.
SEIS and EIS advance assurance
Eligibility is checked and the relief can be explained to your existing angel.
R&D and patent box work
Claims are prepared in house alongside the corporation tax return.
Accounts that support the next decision
Corporation tax, payroll and director pay are discussed before plans are fixed.
Entry 01
Why Fasih checks SEIS before the raise
Fasih went through the advance assurance process before raising for his own software company.
What clients say
What happens in your first ninety days
Each stage deals with a decision before it reaches the investor or HMRC.
The funding questions are named
The review checks your company, existing funding, software and current accountant before work starts.
Your filing position is checked
Accounts, corporation tax, payroll and HMRC dates are checked for gaps.
Funding and relief work are connected
SEIS, EIS, R&D and patent box are considered beside the year end.
The next hire has a tax forecast
You can judge runway and hiring with corporation tax considered before the decision.
When another startup accountant will suit you better
You want an accountant to find or introduce investors.
The business is a sole trader, partnership or LLP.
You need fees deferred until the company starts trading.
A limited company ready to share information can start with the set-up review.
Questions founders ask before they switch
What does a startup accountant in Luton include in the monthly fee?
A fixed written fee can cover year-end accounts, corporation tax, bookkeeping, VAT, payroll and the director’s personal tax. The exact scope follows the review. For startups, SEIS, EIS, R&D or patent box work can also be included when relevant.
Can Fiscal Umbrella help if we already have an accountant?
Yes. The set-up review happens before any decision to switch. Fasih checks the current accounts, corporation tax position, reliefs and software. You can then decide whether the advice is useful enough to justify moving, without contacting your present accountant first.
Do we have to move accounting software when we switch?
Possibly, if the current system cannot support the work. Fiscal Umbrella supports Xero, QuickBooks and connected tools. Fasih first checks how bookkeeping, payroll and claims are handled. Any recommended change is explained before the handover, including what your team needs to do.
What happens with our current accountant if we switch?
Fiscal Umbrella contacts the current accountant, requests the accounts files and handles professional clearance. HMRC authorisations and filing dates are checked during the handover. Your old accountant remains responsible until the agreed changeover, so responsibilities are clear throughout the move.
Can a startup accountant in Luton help with SEIS and EIS?
Yes, where the company and funding position fit the rules. Fasih handles SEIS and EIS advance assurance in house. He obtained advance assurance for his own software company before raising and can explain how the relief works directly to an existing angel investor.
Does Fiscal Umbrella find investors for technology startups?
No. Fiscal Umbrella does not find, arrange or introduce investment. The service is for startup founders, including those with no turnover or investors yet. Fasih can prepare the accounting and advance assurance work, then explain the relevant relief to an existing angel.
Three ways to take the next step
Start with the free SEIS check
Answer a few quick questions for a personalised recommendation and, if there is a fit, the free review.
Check if you fit 02 · A question firstIs an angel already asking?
Send Fasih your question before the funding conversation moves further.
Ask Fasih a question 03 · Still decidingStill deciding what you need?
Read the guides on startup reliefs, year-end work and decisions before a raise.
Read the startup guides →