Autonomous financial operations

From transaction
to tax filing
automatically.

Accounting, compliance, and financial intelligence executed by AI. Connect your data and the platform handles everything — continuously, in the background.

HMRC MTD API
Bank-grade encryption
CPA oversight layer
aurelia / demo-client / close-flow
Live
Close status
99.2%
Reconciled
VAT Q3
£12,480
14d to file
Classified
847
100%
Recent transactions — auto-classified
AWS Europe
Software · Infrastructure
−£840.00
20% VAT
💳
Acme Corp — Invoice
Revenue · Matched ✓
+£9,600
Matched
🏢
Flexioffices Ltd
Office · Facilities
−£2,200
20% VAT
AI Financial Insights
⚠ Cash flow · just now
3 invoices (£18,400) overdue 14+ days. Runway may fall 8% if unpaid by month-end.
📊 VAT forecast · 2h ago
Q3 liability tracking 14% higher than Q2. Filing deadline: 7 November.
The problem

Accounting software didn't replace accountants.

Modern tools record financial data — but the actual accounting work still falls on a human. SMEs pay for both software and services, and wait weeks for insight.

£800
average monthly accounting
cost for a UK SME
14d
average wait for
financial reports
01

Software only records

Xero and QuickBooks capture transactions — but interpreting, validating, and filing still requires a human accountant every month.

02

Insights arrive too late

Monthly management accounts arrive weeks after the period ends, when the window to act has already closed.

03

Compliance is manual

VAT returns, MTD submissions, and HMRC filings all require human review — creating delay, cost, and risk of error.

The solution

We built a system that does the accounting.

Not faster accounting software. An autonomous platform that executes the entire workflow — end to end, without a human in the loop.

Categorizes every transaction using context-aware AI classification
Reconciles invoices and payments across accounts in real time
Applies correct VAT rules — partial exemptions, reverse charge, zero-rating
Validates compliance against HMRC Making Tax Digital requirements
Generates and submits VAT returns directly to HMRC via official API
Maintains a continuous close — books always current, always auditable
aurelia-agent · period 2025-09
09:14:02INGESTBank feed · 847 transactions
09:14:04CLASSIFY847/847 classified · 0 unmatched
09:14:07RECONCILEAll invoices matched ✓
09:14:09VATRules applied · £12,480
09:14:11ESCALATE2 edge cases → CPA queue
09:14:22VALIDATEMTD compliance passed ✓
09:14:25HMRCVAT return filing...
09:14:31SUCCESSReturn accepted · #HMRC-48291
09:14:32CLOSEPeriod closed · books current ✓
 
How it works

Four steps. No accountant required.

Connect your financial data and the platform handles everything — continuously, in the background.

01

Connect

Link bank accounts, payment processors, and invoicing tools. Takes minutes.

02

Classify & Reconcile

Transactions categorized and matched against invoices automatically in real time.

03

Validate

Compliance checked, VAT calculated, edge cases escalated to CPA. All logged.

04

File

VAT returns submitted to HMRC via official API. Books permanently current.

Your books are always ready. No month-end close. No waiting for your accountant.
Books live
AI Financial Intelligence

More than automation. An always-on financial advisor.

The system continuously learns how your business operates — and alerts you to what matters before it becomes a problem.

💸
Cash flow warnings

Alerts before runway drops or obligations exceed liquidity.

📊
VAT forecasts

Real-time liability estimates based on current trading.

🔍
Expense anomalies

Unusual vendor spend detected and surfaced immediately.

📈
Margin intelligence

Margin changes tracked by stream and surfaced as trends.

AI Financial Insights● Live
⚠️
Cash flow pressure in 18 days
£24,600 in receivables due after your next PAYE run. Cash may fall below your 30-day threshold.
Flagged just now
📊
VAT liability forecast: £12,480
Q3 tracking 14% higher than Q2. Filing deadline: 7 November. Return ready to review.
Updated 2h ago
🔍
Unusual vendor spend detected
Subscription costs up 34% vs last quarter. 3 new recurring charges identified for review.
Yesterday, 09:14
📈
Gross margin improving
Margin up from 61% → 67% over 90 days, driven by lower fulfilment costs.
3 days ago
Continuous close

Your books are always ready.

Traditional accounting relies on monthly closing cycles. Our system continuously validates financial records and surfaces issues in real time — not at month-end.

Close status · September 2025
Live
Transaction classification
847 / 847 classified
Complete
Invoice reconciliation
All invoices matched
Complete
VAT calculation
Calculating final liability
In progress
HMRC submission
Awaiting VAT confirmation
Pending
Compliance & trust

Compliance built into every transaction.

Every transaction evaluated against VAT rules. Every decision logged and fully auditable. All filings through HMRC's official APIs.

🏛 Connected via HMRC Making Tax Digital API
🔒
Full audit trail

Every classification, reconciliation, and filing decision logged and exportable at any time.

📋
VAT rules — automatic

Partial exemptions, reverse charge, zero-rating — all evaluated correctly per transaction.

🎓
CPA escalation layer

Complex or ambiguous cases escalated to qualified accountants automatically.

🔐
Bank-grade security

End-to-end encryption. Read-only bank connections. No payment credentials stored.

Who it's for

Built for growing UK SMEs.

For businesses that have outgrown DIY bookkeeping but don't want to keep paying for manual accounting services.

🛍️

Ecommerce

High transaction volumes, multi-channel VAT, cross-border complexity handled automatically.

🏢

Digital agencies

Project-based revenue, contractor costs, and regular quarterly VAT obligations.

💻

SaaS startups

Recurring revenue, fast-moving financial position, subscription expense management.

🌐

Online services

Service businesses with VAT obligations and growing operational complexity.

200+
Monthly transactions
VAT
Registered businesses
£500+
Monthly accounting spend
How we compare

A new category of financial software.

Capability
Xero · QuickBooks
Aurelia
Records transactions
Executes the accounting process
Automatic VAT classification
Files VAT returns to HMRC
Continuous close — always current
Proactive AI financial insights
Requires a human accountant
Early access

Replace your accounting
process with a system.

We're onboarding a limited number of early users. Be first to run truly autonomous financial operations.

Join early access

Limited early access · UK businesses · No credit card required