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Your Trusted Chartered Accountants in London & Surrey
Terra Finance is a progressive Chartered Certified Accounting practice delivering accountancy and tax planning services across SME sectors, including Property Developers, Retail, IT Contractors, and professionals in banking, insurance, and healthcare. Our approach combines professional expertise with an approachable service, offering specialist advice tailored to diverse business needs. We prioritise proactive, tax-efficient strategies to enhance both business and personal financial outcomes. With offices in London and Surrey, we serve clients through dedicated accountants available seven days a week. Our monthly fixed-fee packages provide unlimited access to expert support, ensuring transparency and flexibility.

We specialise in sectors such as IT Contracting, Finance, Healthcare, and Construction, leveraging industry-specific insights to deliver finely tuned solutions. Our commitment to continuous support extends beyond annual reporting, focusing on year-round growth and compliance. Clients benefit from personalised relationships, with direct access to their assigned accountant for timely, actionable advice. We pride ourselves on demystifying complex financial landscapes, empowering clients to navigate challenges with confidence. Backed by a team of qualified professionals, Terra Finance remains dedicated to adding value through innovation and integrity.
Services
Business Accountancy Tax Planning Personalised Services Industry Specialisms Monthly Packages
Highlights and features
  • We offer sector-specific expertise in IT Contracting, Healthcare, and Construction.
  • Our dedicated accountants provide proactive tax planning seven days a week.
  • Monthly fixed-fee packages ensure transparent, predictable costs.
  • We specialise in cross-industry compliance and growth strategies.
  • Clients receive year-round support, not just annual reporting.
Services
Business Accountancy
Our business accountancy services provide comprehensive financial management for SMEs, ensuring compliance and strategic growth. We handle bookkeeping, payroll, and financial reporting tailored to your industry needs. Clients benefit from real-time financial insights and proactive advisory support.
Tax Planning
Specialist tax planning optimises your financial position while maintaining HMRC compliance. We identify legitimate tax-saving opportunities and structure payments strategically. Our approach minimises liabilities across corporate, personal, and VAT frameworks.
Industry Specialisms
Deep sector knowledge in IT Contracting, Healthcare, and Construction informs our tailored solutions. We address industry-specific challenges with targeted compliance strategies and growth planning. This specialisation ensures relevant, actionable advice for niche markets.
Monthly Packages
Our monthly packages offer predictable costs with unlimited accountant access. Services include bookkeeping, tax returns, and financial dashboards. Flexible payment via Direct Debit ensures hassle-free budgeting for businesses of all sizes.
Personalised Services
Personalised financial guidance extends beyond year-end reporting, focusing on continuous improvement. We align personal and business finances for holistic tax efficiency. Clients receive dedicated support adapted to evolving needs.
People
Dilyana I. Ganeva
Partner
Dilyana leads Terra Finance's client-focused services, combining Chartered Certified expertise with strategic financial guidance. With over 15 years in accountancy, she specialises in SME growth strategies and cross-sector compliance solutions.
Ekaterina Krosneva
Senior Accountant
Ekaterina manages complex tax planning and compliance for IT contractors and professionals. Her sector-specific knowledge ensures tailored solutions for clients in healthcare and construction, focusing on regulatory adherence and efficiency.
Elena Popova
Accounts Assistant
Elena supports financial reporting and bookkeeping processes, ensuring accuracy in client documentation. Her meticulous approach maintains compliance standards while assisting with day-to-day accounting operations for SMEs.
Questions
What accounting services do you offer for SMEs?
We provide bookkeeping, payroll processing, financial reporting, and compliance support tailored to SME needs across various industries.
Do you specialise in specific business sectors?
Yes, we focus on IT Contracting, Healthcare, Construction, and Professional Services, offering industry-specific compliance and growth strategies.
How does your monthly accounting package work?
Our fixed-fee package includes bookkeeping, tax returns, and financial dashboards with unlimited accountant access via Direct Debit payments.
Can you assist with tax planning for individuals?
We offer personal tax planning services, aligning business and personal finances to maximise tax efficiency throughout the year.
How accessible are your accountants for queries?
Clients have seven-day-a-week access to their dedicated accountant for timely advice and support on financial matters.