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Financial Clarity
Understand where your business really makes money—by product, service, customer and month.
Financial clarity for growing businesses
Businesses outgrow accountants. They don't outgrow good financial advice.
Helping growing businesses understand where they really make money, where cash is getting trapped, and what to focus on next.
Most accountants tell you what happened last year. We help you understand what's happening in your business today—so you can make better decisions about profit, cash flow and growth.
If your business is growing but your financial support still feels focused on compliance and year-end accounts, it's probably time for a fresh perspective.
- ACCA Qualified
- Xero Certified
- UK-Wide
Trusted financial advice for growing businesses
Why Alyf
Why businesses choose Alyf
The same rigour you'd expect from a finance director, delivered in plain English.
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Business Growth
Make financial decisions with confidence, backed by numbers you actually trust.
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Proactive Advice
Support throughout the year—not just a set of accounts nine months after year end.
Seven questions
The seven questions every growing business owner should be able to answer.
If any of these give you pause, that's not a failing. It's a signal your financial support needs to catch up with your business.
- 01
Which parts of my business are genuinely profitable?
- 02
How much cash will I have available in 90 days?
- 03
Can I afford my next hire—and when?
- 04
Are my prices still right for the way I work today?
- 05
What will my tax bill be, and how do I plan for it?
- 06
Which numbers should I be watching every month?
- 07
If I wanted to sell in five years, what would I change now?
The signature product
The Alyf Growth Review™
A complimentary, no-obligation review of your numbers with a qualified advisor. Around 60 minutes of your time, and you leave with a written plan whether or not you work with us.
How it works
- 01
Discovery
- 02
Financial Review
- 03
Growth Score
- 04
90-Day Action Plan
What you receive
Financial Health Score
A clear read on where your business stands today.
Profit Opportunities
Where margin is leaking, and what to do about it.
Cash Flow Insights
What your cash position looks like over the next 90 days.
Tax Planning Opportunities
Reliefs and timing you may be missing.
Growth Recommendations
The three moves that matter most, in order.
Timeline
Booked within days, delivered inside one week.
Our guarantee
If we don't identify at least three practical actions you can implement immediately, we'll donate £50 to a charity of your choice.
Services
Services
Compliance done properly, with the advisory layer most growing businesses are missing.
01
Management reporting
Monthly or quarterly numbers framed around the decisions in front of you — pricing, hiring, investment — not the filing deadline.
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Cash flow forecasting
A rolling 13-week view of cash, so you know what you can commit to and when — and never find out too late.
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Tax planning
Corporation tax, personal tax and profit extraction planned before year end, when it can still change the outcome.
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Year-end accounts & compliance
Statutory accounts, corporation tax and self assessment filed accurately, early, and without chasing.
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Payroll & VAT
Payroll runs and VAT returns handled quietly in the background, with deadlines owned by us, not you.
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Advisory & board support
A finance director in your corner for pricing, funding, structure and building long-term business value.
Interactive tool — ten minutes
The Growth Checklist
Fifteen questions every owner of a growing business should be able to answer. Growth hides problems — rising turnover covers a thinning margin, a stretched team and a tax position that no longer fits. Answer honestly, in one sitting.
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The numbers you steer by
- 01
Without opening a spreadsheet, can you name your most profitable product, service or type of customer — and your least?
- 02
Do management accounts reach you within 10 working days of month end, with margin split by line rather than one total?
- 03
Do you know the true cost of delivering one job or client, including staff time and a fair share of overhead?
- 04
Do you watch three or four forward indicators — pipeline, utilisation, retention — and not only last month's profit?
Cash
- 05
Can you forecast cash 90 days ahead with confidence, including VAT, PAYE, corporation tax and loan repayments?
- 06
Do you know your debtor days, and is one named person responsible for chasing every week?
- 07
If sales doubled in six months, do you know how much extra working capital that growth would swallow?
Margin and pricing
- 08
Have you raised prices in the last 12 months — and do you know which customers you could lose without losing profit?
- 09
Is every recurring cost — software, subscriptions, finance, insurance — reviewed annually against what it earns?
Tax and structure
- 10
Has your structure — trading company, holding company, share classes — been reviewed since the business changed shape?
- 11
Are you taking profit in the right mix of salary, dividend and pension for the plans you actually have?
- 12
Have you checked eligibility for R&D relief, full expensing and capital allowances, and the reliefs specific to your sector?
People and capacity
- 13
Do you know your revenue per employee — and whether it rose or fell as you grew?
- 14
Is there a decision only you can make that would stall the business if you took a month off?
Risk and value
- 15
Would the business survive losing its largest customer — and if you sold in three years, would the accounts stand up to a buyer's due diligence?
Client stories
Client stories
Real engagements, described by sector and turnover range.
Improved cash flow
Professional services, £1.4m turnover
- Challenge
- Profitable on paper, but constantly short of cash and unsure which clients were worth keeping.
- What Alyf did
- Rebuilt reporting by client and service line, then introduced a rolling 13-week cash forecast.
- Outcome
- Cash headroom improved and the lowest-margin third of the client base was repriced.
Higher profitability
E-commerce brand, £3.2m turnover
- Challenge
- Rapid growth with no visibility of true product margin after fees, shipping and returns.
- What Alyf did
- Built a contribution-margin model per SKU and a simple monthly decision pack.
- Outcome
- Loss-making lines were retired and marketing spend moved to the strongest products.
Reduced tax
Construction group, £6m turnover
- Challenge
- Year-end surprises on tax and no plan for reinvestment or director remuneration.
- What Alyf did
- Introduced quarterly forecasting, capital-allowance planning and a structured profit-extraction plan.
- Outcome
- Tax exposure reduced and reinvestment decisions made months ahead rather than in arrears.
Verified reviews from clients we work with, on our Google Business profile.
Read our Google reviews
Meet Afia
Commercial thinking, in plain English.
I founded Alyf because too many capable business owners were being handed a set of accounts and left to work out the implications alone.
My work sits closer to a finance director than a compliance accountant: understanding how your business actually makes money, then translating that into decisions you can act on this quarter.
No jargon, no annual surprises. Just clear numbers, straight answers, and the confidence that comes from knowing where you stand.
Afia
Founder, Alyf Accounts
Switching
Switching accountants is simpler than you think
Four steps, and we do the administrative work.
- 01
Book your Growth Review
Pick a time that works. No preparation required beyond access to your numbers.
- 02
Receive your Financial Health Score
A written summary of where you stand and what to prioritise.
- 03
Decide if Alyf is right for you
No pressure, no obligation. The plan is yours either way.
- 04
Alyf manages the switch
We handle the handover, records and authorisations with your previous accountant.
Your business has grown. Maybe your financial support should too.
One conversation, a clear plan, and no obligation.