Drop in the statement.
CSV, Excel or PDF. Use direct platform connections where they help, or files when the bank or accountant sends exports.
CSV
Excel
PDF
For business owners
Know what the bank, the books and the business are saying.
The IQ Suite keeps the financial work in order. ReconcileIQ proves the bank agrees to the books. CodeIQ codes and checks the transactions. LedgerIQ turns the finished ledger into plain-English analysis.
Tax context
MTD for Income Tax requires digital records and quarterly updates for qualifying sole traders and landlords.
GOV.UK MTD policy
Cash context
Xero reported UK small-business invoices were still paid late on average in the December 2025 quarter.
Xero late-payment data
Trading context
UK small-business sales growth slowed in late 2025, making clean cash and margin visibility more useful.
Xero UK update
01 · The owner workflow
One statement in. A closed month out.
Business owners do not need another place to store numbers. They need a clean path from bank data to posted books to a view of what happened.
Find what does not agree.
ReconcileIQ matches bank and books, flags missing entries, duplicate postings, timing differences and invoice-payment pairs.
bank vs books
invoice match
Prepare the bookkeeping.
CodeIQ suggests accounts, checks VAT, reads invoices, handles marketplace feeds, learns from corrections and posts after review.
VAT
posting
Read the business.
LedgerIQ turns the finished GL into margins, cash flow, ratios, forecasts, anomalies and a PDF report you can discuss with your adviser.
40+ modules
PDF report
02 · Why it matters
Cash flow problems often start as unclear records.
Late payments, VAT bills, supplier costs and card fees are manageable when the books are current. They become stressful when the bank, invoices and ledger all tell different stories.
The IQ Suite is built to close that gap. It helps you know which money has arrived, which entries are missing, which transactions still need a human decision, and what the month says about margins, working capital and runway.
LedgerIQ readout
April close
Gross margin movedInput costs rose faster than revenue this month.
-2.4pts
Cash conversion stretchedReceivables took longer to turn back into cash.
+11d
Supplier concentrationTop three suppliers now carry most of direct spend.
67%
Runway checkBased on current burn and cash balance.
5.8mo
03 · The suite
Three products for one owner question: are the numbers reliable?
ReconcileIQ
Check the bank.
Match bank statements to your books, find discrepancies and produce clean evidence for your accountant or your own records.
- CSV, Excel and PDF input
- Invoice-to-payment matching
- Exception reports
CodeIQ
Prepare the books.
Code transactions, classify VAT, match invoices, detect transfers, parse merchant statements and post to your accounting platform after review.
- Xero, QuickBooks, Sage and Pandle
- Receipt and invoice OCR
- eBay, Amazon and PayPal parsing
LedgerIQ
Understand the month.
Upload the general ledger and get cash flow, ratio, margin, trend, anomaly and forecast analysis in language you can use.
- 40+ financial modules
- Formula-backed calculations
- PDF report for meetings
04 · Business types
Useful where the bank feed is not the whole story.
Some businesses are hard to read because the money arrives in batches, fees are hidden in payouts, VAT is messy, or job costs need splitting properly.
Ecommerce
Marketplace payouts, platform fees, refunds, shipping, VAT and payment processors make sales hard to trace without a proper settlement parser.
Ecommerce workflowConstruction
Subcontractors, CIS, project costs, retention and stage payments need cleaner categorisation if you want job margin to mean anything.
Construction workflowRestaurants
EPOS takings, delivery platforms, supplier invoices, card fees and food-cost pressure are easier to manage when the month closes cleanly.
Restaurant workflow05 · Pricing fit
Start small. Keep the full suite.
Every plan includes ReconcileIQ, CodeIQ and LedgerIQ. Choose by monthly credit volume; upgrade when your bookkeeping load grows.
Starter
£5 / month
- 5,000 monthly credits
- Full access to ReconcileIQ, CodeIQ and LedgerIQ
- Best fit for owner-managed businesses with one main set of books
Accountant
£15 / month
- 25,000 monthly credits
- Useful for higher volume businesses and owners supporting more than one entity
- Same full platform access
Practice
£39+ / month
- For accountants, bookkeepers and multi-client teams
- Client-account provisioning on practice tiers
- Higher monthly credits and lower overage rates
06 · Questions
Business-owner questions, without the jargon.
Will this file my tax return?
No. The suite helps clean and explain the records. Use your accountant or HMRC-compatible tax software for formal MTD and tax submissions.
Do I need accounting knowledge?
You need to review the important decisions, but the workflow is built to explain why a match or code was suggested in plain language.
Can I use it with my accountant?
Yes. You can use the suite to prepare cleaner records, reports and exception lists before sending work to your accountant or bookkeeper.
What if my bank only gives PDFs?
ReconcileIQ and CodeIQ can work from PDF statements as well as CSV and Excel, so you are not blocked by awkward bank exports.
Can it handle ecommerce payouts?
Yes. CodeIQ includes merchant parsing for eBay, Amazon and PayPal, including sales, fees, refunds and payout exclusions.
Is LedgerIQ financial advice?
No. LedgerIQ applies formulas to your own ledger and shows the workings. It helps you understand the numbers; professional advice remains separate.
Start with the next statement
Close the month before it becomes a pile of questions.
Upload a statement, let the suite reconcile and code it, review the exceptions, then read the month through LedgerIQ. Your accountant gets cleaner records; you get a clearer business.