FinLedger
AI bookkeeping and tax automation for UK small businesses
2K+
Small Businesses
100K+
Transactions / month
95%
Auto-categorisation Accuracy
80%
Bookkeeping Time Saved
The Challenge
UK small businesses were spending 5+ hours per week on bookkeeping and paying accountants thousands annually for basic tax filing. The founders needed an AI-first accounting tool that auto-categorises transactions, handles MTD (Making Tax Digital) VAT filing, and generates tax-ready reports, making accountants optional for basic compliance.
The Solution
Ubikon built a Next.js accounting platform with Plaid for automatic bank feed ingestion, GPT-4 powered transaction categorisation (95% accuracy), 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.
How We Built It
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 100 businesses, accountant partner programme, ICAEW endorsement, public launch to 2K+ businesses.
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