We know what sits behind every quote.
Every day on the tools is a day of invoices, subbies and CIS forms piling up somewhere else. That's the part we take care of.
01
CIS makes every subcontractor payment a compliance job
Verifying subcontractors, deducting the right percentage, filing monthly returns: get it wrong and HMRC comes looking. Get it right and it barely registers. We keep it in the second category.
02
Retention money sits with the client, not with you
A slice of every job gets held back until snagging's done and the client's satisfied: sometimes for months. That's cash you've earned but can't spend yet, and it needs tracking properly.
03
You buy the materials weeks before you see the money
Timber, fittings, hire costs: all paid for before the invoice goes out, let alone gets settled. That gap between spend and payment is where most trades cashflow problems start.
04
Not every job that looks busy is actually profitable
Between materials, labour and time on site, it's easy to be flat out and still not know which jobs are making money and which are quietly losing it.
How we support you
Built around life on site, not office hours.
DAY TO DAY
Bookkeeping & VAT
We handle the day-to-day reconciliation and keep your VAT right, job by job...
so nothing's left to sort out at year end.
ADVICE
Consultancy & Problem Solving
Not sure which jobs are actually profitable? Thinking about taking on staff? We dig into the detail and help you make the right call.
COMPLIANCE
CIS Returns & Subcontractor Compliance
Verifying subcontractors, deducting the right amounts, filing monthly returns: we keep you compliant so a knock from HMRC is never a surprise.
PARTNERSHIP
Virtual Finance Partner
For tradespeople who want someone consistently in their corner, not just at year end. We become part of how the business runs.
PLANNING
Cashflow & Retention Planning
We build cashflow forecasts around your jobs and materials spend, and keep track of retention money so you always know what's coming and when.
COSTING
Quote Support
We help you see which jobs are actually making money, so your quotes are built on real numbers, not gut feel.
Finance that works as hard as you do.
We're not a service you plug in and forget. We show up, we listen, we ask the questions others don't: and we treat your business like it's personal. Because to you, it is.
"I was told early on in business that if you can find someone who truly understands cash management, you should keep them close by! That has paid dividends, with Ancora looking after our financials, we have been able to focus on our core business and importantly increasing the time available to spend with our customers.
Carl Revens, RRIF
