Books that reconcile themselves
Bank feeds, categorisation and reconciliation, kept continuously in balance — so the accounts are always current.
bank → reconciled ledgerby Skylite Financial
SKYF turns your reconciled books into statutory accounts and files them straight to Companies House in iXBRL — micro-entity and small-company, with a director sign-off before anything is submitted. Free for life to start.
Lifetime free tier · no card required · your data, exportable anytime
Bank feeds, categorisation and reconciliation, kept continuously in balance — so the accounts are always current.
bank → reconciled ledgerFRS 105 micro-entity and FRS 102 Section 1A small-company accounts, produced from your ledger and tagged in iXBRL.
trial balance → iXBRLSubmitted directly over the official gateway, with a director's approval step and the filing receipt kept on record.
validate → approve → fileSend an invoice, let your customer pay by card, and the money settles straight to you. Card costs at cost, plus a small platform fee that shrinks as you grow. More below.
invoice → paidRun a whole client book: roles, four-eyes approval, and a filing trail per client. SKYF is also the tool you give your accountant.
multi-client · roles · approvalsQuarterly updates and digital records for sole traders and landlords, built for HMRC's Making Tax Digital timeline.
quarterly → HMRCGet paid
Turn any invoice into a card payment link. Your customer pays online and the money settles directly to your account — you pay exactly what the card network charges (Stripe, at cost) plus a platform fee of 1%, dropping to 0.75% beyond £10k and 0.5% beyond £50k of rolling 30-day volume. A one-time Stripe connection is all it takes.
| SKYF | Xero | Zoho Books | Wave | |
|---|---|---|---|---|
| Lifetime free tier | Yes | No | Limited | Yes |
| Files accounts to Companies House | Direct | Via add-on | No | No |
| iXBRL statutory accounts | Built in | Partner | No | No |
| MTD for Income Tax | Yes | Yes | Partial | No |
| Invoice card payments | at cost + 1% | Stripe fees + | Gateway fees | 2.9% + 30p |
| Practice / multi-client | Yes | Yes | Add-on | No |
| UK-first, one stack | Yes | Mostly | Global | Global |
Comparison reflects publicly described capabilities of each product and is for general guidance; features and pricing change — check each provider for the latest. Third-party names belong to their respective owners.
For a single business getting its books in order and filing its own accounts.
For growing businesses and bookkeepers who want the full workflow.
For accountancy firms running a full client book with a team.
Join the businesses and accountants moving to a single, UK-first stack.
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