Business Details
Your Trusted Chartered Accountants in Cumbria
Saint & Co & Co has been an integral part of the community since 1884, providing tailored accounting and advisory services to businesses and individuals. With 10 partners and over 100 staff across 10 offices in Cumbria and South West Scotland, we combine over a century of experience with modern financial solutions. Our approach prioritises personal relationships, ensuring clients receive transparent, honest advice aligned with their unique needs. We specialise in sectors such as farming, charities, and academies, offering expertise in tax planning, payroll, and cloud accounting through platforms like Xero. Our commitment to local businesses is matched by a dedication to continuous innovation, ensuring clients benefit from both tradition and technology.We pride ourselves on long-standing client relationships, with many team members having served the community for over 15 years. Our values of commitment, honesty, and simplicity underpin every interaction, ensuring clients feel supported in both business and personal financial matters. By focusing on understanding the drivers behind each client's success, we deliver strategies that foster growth and stability. Our team's deep local knowledge and sector-specific expertise enable us to provide actionable insights that go beyond numbers. Whether advising startups or managing complex corporate transitions, we remain dedicated to simplifying financial challenges and empowering clients to achieve their goals.
Services
Tax Planning
Payroll Services
Cloud Accounting
Business Audits
Farm Accounting
Charity Compliance
Xero Advisory
Inheritance Tax
Corporate Tax
Management Accounts
Highlights and features
- We offer over 140 years of experience in accounting and local business advisory.
- Our team provides transparent fees with no hidden charges.
- We deliver sector-specific expertise in farming, charities, and academies.
- Our staff have an average tenure of 15+ years, ensuring continuity.
- We combine traditional values with cutting-edge cloud accounting solutions.
Associations and certifications
- Xero Certified Advisor
What people say
Highly professional
Extremely helpful
Saves time
Expertise in farming
Transparent fees
Services
Tax Planning
Our specialists identify legitimate opportunities to reduce tax liabilities while ensuring compliance. We focus on inheritance tax, capital gains tax, and corporate strategies tailored to your circumstances. Clients benefit from proactive planning that aligns with long-term financial goals.
Payroll Services
We handle payroll processing, auto-enrolment, and compliance reporting to save you time. Our services adapt to evolving legislation, ensuring accuracy in tax deductions and employee records. Clients appreciate our seamless integration with accounting systems.
Cloud Accounting
Using Xero, we provide real-time financial insights and streamline bookkeeping processes. Our team trains clients on cloud tools and optimises systems for efficiency. This service reduces manual work while improving financial visibility for informed decisions.
Business Audits
We conduct statutory and internal audits for academies, charities, and corporations. Our approach ensures regulatory compliance while identifying operational improvements. Clients value our clear communication and sector-specific expertise during audit processes.
Farm Accounting
Tailored financial services for farming businesses, including tax-efficient structures and grant compliance. We understand agricultural challenges and provide strategic advice to enhance profitability. Clients benefit from our deep local knowledge and sector experience.
People
Lindsay Farrer
Partner & Insolvency Specialist
With over 25 years at Saint & Co & Co, Lindsay specialises in business sales, tax strategy, and insolvency solutions. She combines technical expertise with practical advice to support business owners through transitions.
Michelle Ruddick
Senior Manager
A 20-year veteran, Michelle leads Xero training and corporate tax services. Her focus on client education ensures businesses maximise digital tools while maintaining compliance with HMRC requirements.
Will Robinson
Agricultural Adviser
With 27 years of experience, Will provides farm-specific financial advice, focusing on efficiency improvements and succession planning. His sector knowledge helps rural businesses navigate regulatory and market challenges.
Questions
What accounting services do you offer for startups?
We provide business setup guidance, cashflow forecasting, and Xero implementation to help startups establish strong financial foundations.
How can you help reduce my tax liabilities?
Our specialists identify applicable reliefs, optimise business structures, and implement strategies for inheritance tax, capital gains tax, and R&D claims.
Do you support businesses using Xero accounting software?
As certified Xero advisors, we offer system setup, training, and optimisation to ensure efficient cloud accounting integration for clients.
What audit services do you provide?
We conduct statutory audits for academies and corporations, alongside internal audits to improve financial controls and compliance.
How do you assist farming businesses?
We offer farm-specific tax planning, grant compliance support, and financial strategies to improve profitability and sustainability.
