Independent bookkeeping
Books that are already up to date when you need them
Iulea Margina keeps the day-to-day records of small businesses: what was bought, what was sold, what the bank actually shows, and who still owes whom. Once a month you get a short pack in plain words, and at year end your accountant gets a file that needs no rebuilding.
What is kept
The work, item by item
A small business does not need a finance department. It needs the same six things done every week by somebody who notices when a number stops making sense.
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Day-to-day entries
Purchases, sales, cash and card movements recorded as they happen rather than in a panic at the end of the quarter, each one against the document that proves it.
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Bank reconciliation
Every line on the statement matched to an entry in the books. What cannot be matched is listed and sent back to you as a question, not quietly booked to something vague.
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Invoices out and in
Sales invoices raised from what you tell me, supplier bills filed against the right month, and a simple list of who is overdue and by how many days.
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Receipts and expenses
Photographs of receipts turned into entries, with the ones that are unreadable or missing chased while anyone can still remember what they were for.
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The monthly pack
Four pages: what came in, what went out, what is owed to you and what you owe, with the three numbers that moved most explained in a sentence each.
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The year-end file
A complete, labelled set handed to the accountant or tax adviser you use, so their work starts from records instead of from a box of paper.
The month
What actually happens, week by week
The rhythm is the point. Nothing here depends on you remembering to ask.
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Before anything starts
A written scope and a fixed monthly price
A short document says which of the items above are included, how documents will reach me, when the pack arrives and what it costs each month. Work begins only once you have accepted it.
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First two weeks
Opening the books
Existing records are read as they are, the opening balances are agreed with you in writing, and anything that cannot be reconciled from the past is listed openly rather than carried forward silently.
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Every week
Entries and questions
Documents that arrived during the week are recorded, and one short list of questions goes back to you. Answering it takes a few minutes and keeps the month from closing with gaps in it.
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First working days of the month
Close and reconcile
Bank, cash and card are reconciled to the last day of the month, and anything still unmatched is named in the pack instead of being rounded away.
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Within the first week
The pack and a call if you want one
The monthly pack is sent by email. If you would rather be walked through it, a call is arranged; what was agreed on that call is written down afterwards.
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At year end
Hand-over
The full file goes to your accountant or tax adviser, together with a note of the open points, so nobody has to guess what a figure was meant to represent.
Scope
Where this work begins and where it stops
Bookkeeping is a clear job with clear edges. Both sides are written here.
What is included
- One person doing the work. The person who answers your message is the person making the entries.
- A written scope and a fixed monthly price, rewritten and agreed again if the volume of documents changes.
- Work in English, remotely. Documents are exchanged by email and kept in the folder structure agreed at the start.
- Your records stay yours. Files are exported and handed over whenever you ask, and in full if the arrangement ends.
- Confidentiality. Figures and documents are used only for your books and are not shared or published.
What is not included
- This is bookkeeping, not accountancy. No audit, no statutory accounts and no signing off of anything.
- No tax returns are prepared or filed, and no tax, legal or investment advice is given. Those belong to a licensed professional, and the file is made ready for one.
- No payroll is run and no payments are made on your behalf. Nothing is moved into or out of your bank.
- No promise about a result, a saving or a refund from any authority.
- Nothing is sold or paid for on this website, and no card details or document numbers are collected here.
Questions
What owners ask first
If yours is not on the list, the request page is the place to send it.
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How small is too small?
A business with a few dozen documents a month is a normal size for this. Below that the honest answer is usually a short tidy-up and a lesson, not a monthly arrangement.
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My books are months behind. Is that a problem?
No, it is the usual starting point. Catching up is quoted separately from the monthly work, so you can see what the backlog costs and decide how far back to go.
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How do documents reach you?
By email or a shared folder, whichever you already use. Photographs of receipts are fine as long as the total, the date and the supplier are readable.
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Will you file my taxes?
No. Returns are filed by your accountant or tax adviser. What arrives from here is a complete, reconciled file so their work is quick instead of archaeological.
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Who owns the records?
You do, at every moment. They are exported to you on request and handed over in full if the arrangement ends, with no fee for leaving.
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How quickly is an enquiry answered?
By email, in writing, by the same person who would keep the books. Replies are written one at a time, so they take as long as reading your message takes.
Want to know what your month would look like?
Say what the business does and roughly how many documents a month it produces. You get a written scope and a fixed price back, not a sales call.