Business Details
Your Trusted Chartered Accountants Since 1884
Saint & Co & Co has been an integral part of the community since 1884, providing tailored accounting and advisory services to businesses and individuals across Cumbria and South West Scotland. With 10 offices and over 100 staff, including nine partners, we combine deep local knowledge with a century of experience to deliver personalised support. Our commitment to honesty, integrity, and simplicity ensures clients receive transparent reporting and strategic guidance aligned with their business and personal goals. We specialise in sectors such as farming, charities, academies, and start-ups, offering expertise in tax planning, insolvency, and cloud accounting solutions like Xero. Our teams longevitymany members have been with us for 15+ yearsreflects our dedication to building lasting relationships and understanding the unique challenges our clients face.We prioritise accessibility, ensuring clients can always speak to a team member who knows their circumstances. From business formation to succession planning, we provide practical tools and reassurance to navigate financial complexities. Our focus on innovation, including Making Tax Digital compliance, ensures clients stay ahead of regulatory changes. Testimonials highlight our reliability, with clients praising our proactive approach and ability to demystify accounting processes. As a family-run firm, we treat every client as part of our extended family, offering unwavering support to help them thrive.
Services
Accounting Services
Tax Planning
Cloud Accounting
Insolvency Support
Payroll Services
Business Advisory
Audit Services
Succession Planning
Charity Accounting
Farming Sector Support
Highlights and features
- We offer over 140 years of combined experience in accounting and advisory services.
- Our team provides transparent fees with no hidden charges.
- We deliver sector-specific expertise in farming, charities, and academies.
- Our Xero-certified professionals ensure seamless cloud accounting integration.
- We prioritise face-to-face relationships with clients across 10 local offices.
Associations and certifications
- Xero Certified Advisor
What people say
Fast, efficient service
Friendly and approachable team
Demystifies accounting processes
Excellent tax savings
Reliable and trustworthy
Services
Cloud Accounting
Our cloud accounting services leverage Xero to provide real-time financial insights and streamline business processes. We help clients transition from manual systems to automated solutions, reducing administrative burdens and improving accuracy. With secure online access, businesses can manage cash flow, invoicing, and reporting from anywhere, while our team offers ongoing support for system optimisation and integration with third-party apps.
Tax Planning
We specialise in minimising tax liabilities through strategic planning for individuals and businesses. Our services include inheritance tax mitigation, capital allowances claims, and research & development tax credits. By understanding clients' financial goals and industry-specific challenges, we create tailored strategies that ensure compliance while maximising savings, with a focus on long-term wealth preservation.
Business Advisory
Our advisory services support businesses from start-up to succession planning. We offer cash flow forecasting, budgeting, and merger/acquisition guidance, combining sector expertise with hands-on support. Whether navigating insolvency options or planning business transfers, we provide actionable insights to enhance profitability and sustainability through changing economic landscapes.
Payroll Services
We manage payroll processes for businesses of all sizes, ensuring compliance with evolving legislation including auto-enrolment pensions. Our services cover payroll processing, payslip generation, and HMRC reporting, allowing clients to focus on core operations. We also provide guidance on employment-related tax issues and statutory requirements.
Charity Accounting
We support charities and academies with specialist accounting services, including grant management, compliance reporting, and funding application assistance. Our team understands sector-specific regulations and helps organisations maximise financial efficiency to enhance their social impact while maintaining transparency with stakeholders.
People
Lindsay Farrer
Partner & Licensed Insolvency Practitioner
With over 25 years at Saint & Co & Co, Lindsay specialises in business sales, purchases, and insolvency solutions. She combines technical expertise with practical advice to help businesses navigate financial challenges and growth opportunities.
Michelle Ruddick
Senior Manager
A 20-year veteran at Saint & Co & Co, Michelle oversees office operations and Xero training. She focuses on corporate tax compliance and workflow optimisation, leveraging her extensive experience to support clients' financial reporting needs.
Helen Wale
Xero Champion
As a Xero specialist since 2009, Helen helps clients implement cloud accounting solutions. Her hands-on approach ensures businesses maximise Xero's capabilities for improved financial management and decision-making.
Will Robinson
Agricultural Adviser
With 25+ years of experience, Will provides sector-specific advice to farming businesses. He focuses on growth strategies, cost management, and succession planning tailored to agricultural enterprises' unique needs.
Clare Garrison
Senior Manager
Clare specialises in charity and academy audits, ensuring compliance with regulatory requirements. She works closely with clients to strengthen internal controls and strategic financial planning for educational and nonprofit organisations.
Questions
What accounting software does Saint & Co & Co & Co support?
We are certified Xero advisors and support Sage, QuickBooks, and other major accounting software packages.
Do you offer cloud accounting solutions?
Yes, we specialise in cloud accounting with Xero, helping businesses streamline financial processes and improve efficiency.
Can you assist with Making Tax Digital compliance?
Yes, our team is certified to help businesses become MTD-compliant, including digital record-keeping and quarterly submissions.
What sectors do you specialise in?
We focus on farming, charities, academies, hospitality, and start-ups, with tailored expertise for each sector's unique challenges.
How do you handle business succession planning?
We provide strategic guidance for business sales, family transitions, and estate planning to ensure tax-efficient and smooth handovers.
Are your fees transparent?
Yes, we guarantee full transparency with no hidden charges, ensuring clients understand all costs upfront.
