Accounts payable
Supplier invoices captured, coded and approved, with payment runs prepared so suppliers are paid correctly and on time.
- Invoice processing & coding
- Supplier statement reconciliation
- Payment run preparation
Accurate, reliable, stress-free bookkeeping
Accurate books. Timely VAT. Healthier cash flow.
OBE Financial Services Limited gives UK businesses a dependable finance back office: accounts payable and receivable, VAT returns under Making Tax Digital, bank reconciliation, credit control and ledger management.
VAT
I need my VAT return done
Prepared, checked and filed with HMRC under Making Tax Digital, ahead of the deadline.
VAT services → Cash flowI want to get paid faster
A professional chasing routine that brings in overdue invoices and reduces debtor days.
Credit control → Catch-upMy books are behind
Backlogs reconciled and ledgers cleaned up, so you start from figures you can trust.
Reconciliation →Welcome to OBE Financial Services
A finance team for your business, without the overheads
Running a business leaves little time for invoices, supplier payments and VAT deadlines. We take that work off your desk and do it to a professional standard, in the accounting software you already use.
You get up-to-date ledgers, reconciled bank accounts and clear monthly reporting, with a named contact who knows your business.
1 dayReply to every enquiry within one working day
Fixed feesAgreed in advance, based on your transaction volumes
MTDVAT returns filed through HMRC-recognised software
Your softwareQuickBooks Online, Xero and Sage 50cloud
Our services
Everything your finance back office needs
Choose individual services or hand over your full bookkeeping. Monthly, quarterly or one-off.
Accounts receivable
Sales invoices raised promptly, receipts allocated to the right customer, and aged debtor reports you can rely on.
- Sales invoicing
- Cash allocation
- Customer statements
VAT preparation & filing
Returns prepared from reconciled records, sent to you for sign-off and submitted to HMRC under Making Tax Digital.
- MTD submissions
- Standard, flat rate & cash schemes
- VAT registration support
Bank reconciliation
Every bank, card and payment platform account matched to your books, with unexplained items investigated and cleared.
- Weekly or monthly
- Stripe, PayPal & card feeds
- Backlog catch-ups
Credit control
Reminders, statements and calls made in your company's name, so customers pay sooner and relationships stay intact.
- Overdue invoice chasing
- Payment plans
- Debtor days reporting
Ledger management
Sales, purchase and nominal ledgers kept accurate, with month-end journals and records ready for your accountant.
- Sales & purchase ledgers
- Month-end close
- Ledger clean-ups
Financial reporting
Profit and loss accounts, balance sheets and ad hoc reports prepared and explained, so you can see how the business is really performing.
- Profit & loss and balance sheet
- Accruals & prepayments
- Management reports
Budgeting & cash flow
Spending patterns analysed and budgets and cash flow forecasts built, so you can plan ahead with confidence.
- Budget preparation
- Cash flow forecasts
- Spending analysis
Year-end & audit support
Complete, compliant records handed to your accountant or auditor, with queries answered promptly and supporting schedules prepared.
- Year-end schedules
- Audit query support
- Compliance with tax rules
Sectors
Supporting businesses across the UK
Every sector has its own VAT rules, payment terms and pressures on cash flow. We tailor the routine to yours.
Construction & trades
CIS-aware purchase ledgers and the domestic reverse charge for VAT.
Retail & e-commerce
High-volume sales reconciled across tills, Stripe, PayPal and marketplaces.
Professional services
Timely invoicing and firm credit control for consultancies and agencies.
Hospitality
Daily takings, supplier invoices and tips reconciled without the backlog.
Property & lettings
Rent receipts, landlord payments and service charge ledgers kept in order.
Charities & not-for-profit
Clear records of restricted funds and grant income for trustees.
VAT & Making Tax Digital
Never miss a VAT deadline
Quarterly VAT returns and payments are normally due one calendar month and seven days after the period ends. Late returns attract HMRC penalty points and late payments attract interest. We prepare your return well ahead of time, so you can review it without the rush.
| Quarter ends | Return & payment due |
|---|---|
| 31 March | 7 May |
| 30 June | 7 August |
| 30 September | 7 November |
| 31 December | 7 February |
How we work
Getting started is simple
01
Free consultation
A short call to understand your business, your software and where things stand.
02
Fixed-fee proposal
A clear monthly or project fee based on your transaction volumes. No hidden extras.
03
Onboarding
Secure access to your accounting software and bank feeds, with any backlog brought up to date.
04
Ongoing reporting
Reconciled books, aged debtor and creditor reports and VAT figures on an agreed timetable.
About us
Led by Francis Obende
Francis Obende founded OBE Financial Services Limited to give growing businesses the dependable finance support usually reserved for larger companies. Francis works directly with every client, so you always deal with the person responsible for your books.
"Good bookkeeping gives owners confidence. When the ledgers are right and the VAT is filed on time, you can focus on running the business."
Before founding the company, Francis built his experience in in-house finance roles, handling purchase and sales ledgers, credit control, bank and credit card reconciliations, accruals and prepayments, and month-end reporting. He holds the AAT Level 2 qualification in bookkeeping.
- QualificationAAT Level 2 Bookkeeping
- SoftwareQuickBooks Online, Xero, Sage 50cloud, Microsoft Excel
- SpecialismsVAT returns, sales & purchase ledgers, credit control, reconciliations
Francis has been supporting me for the past year with our invoicing, month-end accounting, VAT and QuickBooks reconciliations. He has been a great asset to the business, and I would highly recommend him.
Insights
Keep ahead of change
Practical updates on VAT, tax and cash flow for business owners. View all articles →
Tax
Making Tax Digital for Income Tax: who it affects
Sole traders and landlords with qualifying income over £50,000 have been in scope since April 2026, and the threshold falls to £30,000 in April 2027.
Read more →VAT
How HMRC's VAT penalty points work
Each late return earns a point. Reach the threshold for your filing frequency and a £200 penalty follows. Here is how to stay clear.
Read more →Cash flow
Five ways to reduce your debtor days
Clear payment terms, prompt invoicing and a consistent chasing routine make a measurable difference to cash in the bank.
Read more →Software we work with
- QuickBooks Online
- Xero
- Sage 50cloud
- Microsoft Excel
Can you file my VAT return under Making Tax Digital?
Yes. VAT returns are prepared from your reconciled records and submitted to HMRC through MTD-compatible software, with the figures sent to you for approval before anything is filed.
Which accounting software do you work with?
Work is carried out in the cloud accounting package you already use, such as Xero, QuickBooks or Sage. If you are still on spreadsheets, a move to MTD-compatible software can be arranged.
Do you chase overdue invoices on our behalf?
Yes. Credit control follows an agreed schedule of reminders, statements and calls, written in your business's name and tone, with escalation agreed with you in advance.
Is the service monthly or one-off?
Both. Most clients use a monthly or quarterly arrangement, but one-off ledger clean-ups and catch-up reconciliations are also available.
Ready to hand over your bookkeeping?
Speak to FrancisGet in touch
Arrange your free consultation
Tell us a little about your business and the support you need. We reply to every enquiry within one working day.
Telephone07958 089536
Emailfrancis.obende@obefinancial.co.uk
Office71-75 Shelton Street, Covent Garden, London WC2H 9JQ
Opening hoursMonday to Friday, 9:00 to 17:30