Bookkeeping
A current ledger. Bank feeds reconciled. Sales, purchases and payroll recorded so the month can actually close.
For owner-managed UK companies
The books, kept. The decisions, clearer.
Sternal Finance looks after bookkeeping, management reporting and, when you need it, fractional finance director support — so the numbers arrive in time to use them.
- 15+
- years inside companies
- CIMA
- qualified practitioner
- Fixed
- monthly retainers
Services
One practice, from the ledger to the board pack.
Management accounts
A pack you can read: profit, cash, variance and a short note on what changed — not a dump of reports.
Fractional finance director
Senior judgement on pricing, hiring, cash and funding. The layer a growing company needs before a full-time FD.
Year-end & tax compliance
Accounts, corporation tax and straightforward director Self Assessments for the companies whose books we already keep. Complex personal tax is referred on.
Packages
A monthly fee, written down before you commit.
Starting points. The retainer is set against turnover, volume and how much senior time you need.
Retainer
Starter
£150per month, ex VAT
Companies that only need the books kept.
- Monthly bookkeeping and bank reconciliations
- A simple monthly profit and loss
- Up to about 40 bank transactions
- Cloud ledger support in Xero or QuickBooks
- No VAT, payroll or year-end accounts
Retainer
Foundation
£250per month, ex VAT
Smaller companies that want the books kept and the filings done.
- Monthly bookkeeping and bank reconciliations
- Quarterly VAT return, where registered
- Year-end accounts and corporation tax computation
- Confirmation statement
- One director Self Assessment
- Cloud ledger support in Xero or QuickBooks
Most chosen
Growth
£650per month, ex VAT
Businesses that need a monthly picture, not just a year-end file.
- Everything in Foundation
- Monthly management accounts with written commentary
- 13-week rolling cash forecast
- KPI dashboard and budget versus actual
- Quarterly review call
- Up to two directors’ Self Assessments
Retainer
Fractional FD
£1,800per month, ex VAT
Owners who want senior finance leadership without a full-time hire.
- Everything in Growth
- Monthly strategy meeting and board-style pack
- Forecasting, scenarios and working-capital advice
- Margin, pricing and unit economics
- Lender and investor-ready numbers
- Oversight of the day-to-day finance work
Payroll, extra Self Assessments, catch-up work and one-off forecasts are not on the retainer. Jonathan will talk those through once you enquire, and confirm the fee in writing before any work starts.
Approach
How an engagement starts.
01
A short conversation
We look at turnover, transaction volume, software and what you actually need decided each month.
02
A fixed scope
You get a written proposal and engagement letter. The monthly fee is agreed before any work starts.
03
The books put right
We set up or tidy the ledger, connect the bank feed and agree a close calendar you can rely on.
04
A rhythm, not a scramble
Numbers arrive on time. Commentary tells you what changed. Bigger decisions get a proper look.
JS
Jonathan Sternal
ACMA CGMA · CIMA qualified
About
Industry experience, brought into the practice.
Jonathan has spent more than fifteen years inside companies — management accounting, commercial finance and the work a finance director actually does between board meetings.
Sternal Finance is built around that. The practice keeps the books and produces the numbers, then stays close enough to help you use them. Statutory audit is not offered. Personal tax is taken on where the affairs are straightforward, and referred where they are not.
The practice is based in the United Kingdom and works with companies across the UK.
Enquire
Tell us where the finance function is today.
A short note is enough. Jonathan will come back with whether Starter, Foundation, Growth or a fractional FD conversation is the right place to start.