AI bookkeeping and tax automation concept for UK small businesses
What this concept would cover
Automatic bank feeds, AI categorisation, double-entry ledger, MTD VAT filing
The Challenge
Small businesses spend many hours per week on bookkeeping and pay accountants for basic tax filing. The founders need an AI-first accounting tool that auto-categorises transactions, handles MTD (Making Tax Digital) VAT filing, and generates tax-ready reports.
The Solution
Ubikon would build a Next.js accounting platform with Plaid for automatic bank feed ingestion, GPT-4 powered transaction categorisation, a double-entry ledger with real-time P&L and balance sheet, HMRC MTD API integration for one-click VAT filing, and Stripe billing for the SaaS subscription layer.
Accounting Engine
Double-entry ledger design, chart of accounts, multi-currency support, financial statement generation.
Bank Integration
Plaid Open Banking API for automatic bank feeds, transaction deduplication, reconciliation engine.
AI Categorisation
GPT-4 transaction classifier trained on UK accounting categories, learning from user corrections.
Tax Module
HMRC MTD API integration, VAT calculation engine, quarterly filing automation, Corporation Tax estimates.
Launch
Beta with a small group of businesses, accountant partner programme, then public launch.
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Fixed-price proposal within 24 hours of a free scoping call. 100% source code ownership.
