Making Good 

Businesses Better...

in 3 Simple Steps

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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

Sequencing short-term finance effectively is vital for avoiding the interest trap

By Charlie Flockhart • September 9, 2026
For many businesses, short-term finance can provide an essential lifeline when cash flow becomes tight. Whether a business needs support covering a gap between paying suppliers and receiving customer payments, or managing seasonal demand, the right type of finance can keep a business moving during uncertain times. However, using short-term borrowing without a clear strategy can quickly become a slippery slope of missed payments and further injections of cash. Choosing the right type of finance for your business? Not all types of short-term finance are designed for the same purpose, so businesses need to choose the option that best matches their needs. An overdraft can provide a flexible cash buffer for day-to-day cash flow pressures, with interest usually charged only on the amount borrowed. Invoice finance can help unlock cash tied up in unpaid business invoices, while a short-term loan may be more suitable for funding a specific purchase or project. Problems can arise when businesses use one type of finance to solve an issue it was not intended to address. A short-term cash flow gap can turn into a long-term borrowing habit, causing interest costs and fees to build up over time and reduce profitability. How to avoid the interest trap? While short-term finance can be a valuable tool, it is important to understand the full cost of borrowing. Some forms of finance, such as certain credit cards, bridging loans and revolving credit facilities, can have higher interest rates and shorter repayment terms. Although these products can be useful in the right circumstances, they can place additional strain on businesses with unpredictable cash flow. Understanding the total cost of borrowing can help avoid unnecessary expense and ensure the finance remains affordable. Matching the right type of finance to the right business need can help businesses manage cash flow more effectively and avoid falling into an expensive cycle of debt. How can we help? Before you fall down the slippery slope of short-term finance, get in touch with an accountant. We understand that short-term finance can sometimes feel like the only option. Our team can help assess your cash flow needs, review your funding options and support you in choosing a solution that helps your business grow while keeping borrowing costs under control. For support with short-term finance options, get in touch with our team.

Inflation increases to a four-month high – How will businesses be impacted?

By Charlie Flockhart • September 9, 2026
The rate of inflation has hit 2.9 per cent in July 2026, up from 2.6 per cent in June, according to the latest data that has been published by the Office for National Statistics (ONS). This is the first rise in the national rate of inflation since March 2026, with the increase in the energy price cap being partly to blame. Businesses need to understand how this hike will affect them and what they must do to mitigate the issues. How is inflation affecting businesses? Higher inflation can increase the cost of running a business. Energy-intensive businesses and manufacturers are likely to feel the greatest impact, as rising energy prices can lead to higher production, transport and operating costs. Many businesses are already dealing with tight profit margins and may find it difficult to absorb these additional costs. Passing increased costs on to customers is not always straightforward, as consumers remain cautious about spending and may look for cheaper alternatives if prices rise too much. Inflation can also affect employment costs. Employees may expect higher pay to help maintain their spending power, creating additional pressure on business finances. With employment costs already rising, some organisations may take a more cautious approach to recruitment or delay planned investments. What should businesses do to mitigate the impact of inflation? With inflation remaining uncertain, businesses should review their budgets regularly and keep a close eye on cash flow. Understanding where costs are rising most quickly can help businesses identify areas where savings or efficiencies can be made. Businesses should also assess their pricing strategies to ensure they remain competitive while protecting profitability. Investing in technology, improving efficiency and carefully managing expenditure may help reduce the impact of rising costs. Strong financial planning and regular monitoring of business performance can help organisations remain resilient if inflation continues in the months ahead. How can we help? While the rate of inflation increasing to 2.9 per cent may not seem like a huge change, businesses must consider the impact that it will have on wider spending. Our team can help you manage your cash flow by completing financial forecasting to ensure that your business stays resilient should inflation rates increase further. For support with cash flow, get in touch with our team.

Gifting out of income – The overlooked way to reduce Inheritance Tax

By Charlie Flockhart • September 9, 2026
For many people, giving financial support to family members is an important part of their financial planning. Whether it is helping children with pension contributions or providing ongoing assistance, gifting can play an important role in Inheritance Tax (IHT) planning. The normal expenditure out of income exemption under Section 21 of the Inheritance Tax Act 1984 allows for gifts to be made without being chargeable for IHT purposes, if specific conditions are met. What are the requirements? Under Section 21, gifts can be exempt from IHT if they are part of a person's normal spending habits, are paid from their income and leave them with enough income to maintain their usual standard of living. This exemption only applies to gifts made from surplus net income, not from capital or savings. For example, withdrawals from an investment bond or the capital part of a purchased life annuity payment would not qualify. The donor must also be able to cover their normal living costs from their remaining income and cannot give away income and then use capital to make up any shortfall. Why is record-keeping important? As the exemption is usually claimed after death, it is important to keep clear records of any gifts made under the normal expenditure out of income rules. HMRC form IHT403 includes a schedule that can be used to record these gifts as they are made and can help support a future claim. To work out whether gifts need to be reported, the donor must add together any gifts made under this exemption and any chargeable lifetime transfers made during the previous seven years. If the total is more than the available nil rate band, all gifts must be reported to HMRC using form IHT100. HMRC will then review whether the exemption applies and confirm its decision in writing. If the total remains within the nil rate band, the exemption is usually reviewed only after the donor's death, when the executors can claim the exemption using forms IHT400 and IHT403. How can we help? Planning for IHT helps to safeguard your family's future, as utilising vital allowances enables you to minimise your IHT contributions. Our team of accountants can support you with gifting out of income so that you can provide for your family's future. Get in touch with our team for support with Inheritance Tax planning.

 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.


  • Is 10 Chartered Accountants a member of ICAEW?

    Yes, 10 Cann Limited is a registered member of the ICAEW (Institute of Chartered Accountants in England and Wales), one of the most rigorous professional accountancy bodies in the UK. You can view our listing on the ICAEW Find a Firm directory.

    ICAEW membership means we're regulated, insured, and held to strict ongoing professional standards giving you added assurance when choosing an accountant in Northampton.


  • As a chartered accountant, do you also offer bookkeeping services?

    Yes, alongside our chartered accountancy services we also provide full bookkeeping support from day-to-day transaction recording to VAT returns and management accounts. Many clients prefer having bookkeeping and accountancy under one roof, so everything stays accurate and up to date year-round.

    As a Xero and QuickBooks Platinum Partner, we can set you up on the right software and handle your bookkeeping digitally, keeping you MTD-compliant as the rules roll out.