Take the files clients actually send.
PDF statements, CSV bank exports, Excel sheets, receipt photos, supplier invoices, marketplace reports and platform exports.
- Bank PDFs and CSVs
- eBay, Amazon and PayPal files
- Receipt and invoice images
For accountants and bookkeepers
Use AI like a junior you can interrogate.
The IQ Suite does the repetitive work: statement matching, transaction coding, VAT classification, invoice matching, posting and client analysis. You keep the professional judgement, the review trail and the final sign-off.
HMRC context
MTD for Income Tax now means digital records and quarterly income-and-expense updates through compatible software.
GOV.UK guidance
ICB context
Bookkeepers remain accountable for work produced with AI; outputs need review, validation and explainability.
ICB AI guidance
ACCA context
Routine processing contracts; advisory, judgement, controls and client interaction expand.
ACCA AI monitor
01 · The daily workflow
The suite follows the job in the order you actually do it.
This is not a chatbot bolted onto a spreadsheet. It is a workflow for getting client books from messy source data to a defensible review pack.
Prove what is missing before posting more.
ReconcileIQ compares bank and books, ranks likely matches, surfaces gaps and supports invoice-to-payment reconciliation.
- Bank-to-books evidence
- Duplicate and timing checks
- Working-paper exports
Let CodeIQ prepare the bookkeeping batch.
Transfers, invoice matches, historical patterns, universal merchant patterns, semantic matching, user corrections and VAT all contribute to each suggestion.
- Confidence scoring
- VAT classification
- Review before posting
Give the client something better than a TB.
LedgerIQ turns the finished general ledger into ratios, trends, anomaly flags, forecasts and a readable client pack.
- 40+ analysis modules
- Formula-backed outputs
- PDF report and RiQ narrative
02 · Built for judgement
Every suggestion should answer why.
The risk with AI bookkeeping is not that it is fast. The risk is an answer that looks confident but cannot be defended. CodeIQ makes the method visible: whether the row came from an invoice match, a client history pattern, a universal merchant pattern, an MCC category, semantic similarity, your own correction history or VAT logic.
That matters for bookkeepers because speed without traceability does not survive client questions, HMRC queries or internal review. The suite is written for reviewable work, not unexplained automation.
Explanation view
CodeIQ
15/04
SHELL SERVICE STATIONMotor expenses · historical + universal pattern
-£62.40
15/04
STRIPE PAYOUT INV-2184Sales receipt · invoice match found
+£4,210.00
14/04
ADOBE SUBSCRIPTIONSoftware · user learning override
-£52.99
14/04
HMRC VAT RETURNVAT liability · VAT treatment checked
-£3,870.00
03 · Three tools, one subscription
For the accountant who has to prepare, review and explain.
ReconcileIQ
Prove the bank.
Match the statement to the books, find the missing entries, flag duplicates and export the evidence. Works from direct integrations or plain files.
- CSV, Excel and PDF statement input
- Invoice-to-payment mode
- Exception reporting for review
CodeIQ
Prepare the books.
CodeIQ codes transactions, classifies VAT, matches invoices, detects transfers, learns from corrections and posts to the ledger after review.
- Xero, QuickBooks, Sage and Pandle posting
- Receipt and invoice OCR
- Merchant feeds for eBay, Amazon and PayPal
LedgerIQ
Explain the numbers.
Upload the finished GL and get client-ready analysis: ratios, trends, cash flow, working capital, forecasts, anomalies and board-pack narrative.
- 40+ financial analysis modules
- Formula-backed calculations
- PDF export for client meetings
04 · Digital assurance
What matters after the software gives an answer.
ICB guidance is blunt: AI does not remove professional accountability. This page is written around that reality. The suite should help you move faster while leaving a trail you can stand behind.
Traceability
Every important row should show the reason behind the treatment, not just a category name.
- Method labels on coding suggestions
- Confidence scores for review queues
- Linked evidence for matched items
Validation
Fast workflows still need checks around VAT, unusual payments, ambiguous tax treatments and client-specific policy.
- Low-confidence exception handling
- VAT audit view
- User learning from corrections
Client trust
Clients do not need every technical detail. They need a confident explanation of what changed and what you checked.
- Plain-English RiQ explanations
- LedgerIQ report narrative
- PDF packs for meetings
05 · Pricing fit
Start as one practitioner. Scale when the client list grows.
Every plan includes the full platform. Choose by monthly credit volume and whether you need client-account provisioning.
Starter
£5 / month
- 5,000 monthly credits
- Full suite included
- Useful for testing your own bookkeeping flow
Accountant
£15 / month
- 25,000 monthly credits
- Built for accountants and bookkeepers running regular client work
- Full access to ReconcileIQ, CodeIQ and LedgerIQ
Practice Essential
£39 / month
- 50,000 monthly credits for the owner login
- Up to 250 client accounts
- Each client account has its own login, dashboard and monthly credits
06 · Questions
Short answers before you try it.
Is this MTD filing software?
No. The suite helps keep the bookkeeping records cleaner before filing: reconciling bank data, coding transactions, checking VAT and producing evidence. Use your compatible tax software for the actual MTD submission.
Does CodeIQ auto-post everything?
It prepares, scores and explains the batch. You keep review control before posting, especially around low-confidence rows, VAT treatments, invoice matches and client-specific policy.
Can a sole bookkeeper use it?
Yes. The Accountant plan is designed for individual accountants and bookkeepers. Practice plans add higher volumes and client-account capacity.
Can it learn how I code?
Yes. Corrections become user-learning patterns, so the next similar merchant follows your treatment instead of repeatedly asking the same question.
What happens with awkward clients?
Use file uploads when they cannot connect a platform. ReconcileIQ and CodeIQ can work from statements and exports; LedgerIQ can analyse a general ledger export.
Is the LedgerIQ output advice?
No. It is formula-backed analysis from the client's own ledger. It gives you the numbers, the workings and a draft narrative; you decide what advice to give.
The professional remains in charge
Spend less time keying. More time checking, explaining and advising.
Start with one messy client. Reconcile the bank, let CodeIQ prepare the batch, review the exceptions, post the result, then use LedgerIQ to explain the month.