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Bookkeeping Services Exeter

Reliable, friendly and efficient bookkeeping services in Exeter and surrounding areas.

Introducing the new owner of Rosemary Bookkeeping in Exeter

Zoe Barnard-Rowland is proprietor of Rosemary Bookkeeping Exeter.

Rosemary Bookkeeping Exeter is under the expert supervision of Zoe Barnard-Rowland, an FCCA-qualified accountant with over 25 years of experience in the financial sector. Zoe has worked with a wide range of diverse companies, helping to optimise their bookkeeping processes and ensuring efficiency across their financial operations. Her extensive knowledge and hands-on experience make her an invaluable resource for businesses looking to streamline their bookkeeping and accounting practices.

Zoe’s extensive experience spanning over 25 years in accounting has developed her skills through a combination of long-term and temporary roles with various companies. Her journey has provided her with the opportunity to gain a diverse range of experience, working across multiple industries such as insurance, energy supply, media, and home care. From starting as an accounts assistant to advancing to a financial controller position, Zoe has not only built up a strong foundation of qualifications but also encountered a wide array of financial systems, making her an expert in the field. Her comprehensive knowledge and adaptability showcase her ability to thrive in different environments, Zoe says she has “seen pretty much every financial system that’s going.”

Barnard Accountancy Limited t/a Rosemary Bookkeeping Exeter
Registered Office: Flat 4 8 Haldon Road, Exeter, England, EX4 4DZ
Registered in England No. 15200679

Professional bookkeeper and bookkeeping services

Welcome

Hate the hassle of doing your bookkeeping and preparing your VAT returns?

Are you tired of the hassle of managing your bookkeeping and preparing VAT returns? Struggling to keep up with the numbers while you’d rather focus on growing your business? If you’re looking for reliable bookkeeping services in Exeter, Exmouth, Teignmouth, Tiverton, and surrounding areas, we’ve got you covered.

At Rosemary Bookkeeping, we specialize in bookkeeping for small businesses, including sole traders, limited companies, and partnerships, across the local region. Owned and managed by Zoe Barnard-Rowland, Rosemary Bookkeeping Exeter is dedicated to providing efficient bookkeeping solutions, offering monthly reports, payroll and handling VAT returns that are ready for you or your accountant to review.

If you:

Dread preparing your VAT return
Wish all your paperwork hassle was taken away
Would like your bookkeeper to liaise directly with your accountant
Want to know your figures on a monthly basis
And want to know exactly what you are paying for?

Rest assured, your books and VAT returns will be processed both efficiently and accurately. With monthly reports, you’ll stay up-to-date on your business’s financial health. Plus, we can supply your accountant with everything they need to finalize your Year-End Company reports.

We’re here to work with you and tailor our services to meet your unique needs and budget. Let us handle the details, so you can focus on what matters most – growing your business!

Our services

VAT Returns

We can help – even if you are using online accounts software, let us check your VAT return before you send it off, you never know, you might find you are entitled to a VAT refund.

Bookkeeping for small and medium businesses

Most business owners don’t consider how to maximise the impact of their time. Just consider for a moment what activities you do that generate the most revenue?

Take the hassle out of sorting all your invoices, receipts and bank statements
Have your VAT return prepared for you, in good time
Let someone else liaise directly with your accountant
Have reports and figures on a monthly basis that help you make decisions on your business growth

Bookkeeping for sole traders

If you are a sole trader and aren’t VAT registered, don’t have a business bank account and don’t need a Balance Sheet, our Mint System^TM is for you.

We focus on your books so that you can focus on your business
Our charging system is completely transparent so you always know exactly what you are paying for
We’ll give you a cumulative income and expenditure account – enabling you to judge if your business is making money and where you can cut costs
You’ll have a report to give your accountant which highlights anything we think they should be aware of so you get the best tax advice
Our unique Mint System^TM delivers systemised, efficient processing. We will work with you directly and confidentially

Accountants

We quality check the work before you receive it so that you always receive a clean trial balance

You can count on us…

We love bookkeeping and will process the work intelligently
Our unique Rosemary Bookkeeping^® delivers systemised efficient processing – this means ANY of our bookkeepers can complete your client’s bookkeeping should your usual Rosemary Bookkeeper be ill or on holiday
We standardise the paperwork to ensure you always receive the paperwork in the same way
Our charging system is completely transparent so you always know exactly what you are paying for
We always provide a detailed analysis with every invoice, so you can see exactly what we have done
We invoice the client directly or through your firm – whichever works best for you
We will never give advice; we’ll leave that to you
We make sure we never reach capacity

Franchisees & franchisors

Rosemary Bookkeeping offer bookkeeping services to franchise networks. No job is too small. We work for franchisees and business owners nationally. You will receive monthly reports and a detailed invoice so there are no surprises.

We focus on your books, so you can focus on your franchise.

Landlords & letting agents

The statements you get from your letting agent make up only a tiny fraction of the costs you incur when owning a property – so without proper accounts, how do you know if you’ve made a profit on a property or not? We can show you your profit levels and much more…

Online retailers

Rosemary Bookkeeping delivers an intelligent bookkeeping service ensuring a consistency of delivery and high-quality work. Our practical, down-to-earth and friendly approach provides clients with information that enables them to understand and make decisions on their business, provides peace of mind that HMRC will be happy, with fair and reasonable charges.

At Rosemary Bookkeeping, we have had extensive experience of online retailers and fully understand the complexities of Paypal and Amazon.

Making Tax Digital (MTD)

What is Making Tax Digital?

Making Tax Digital (MTD) is a government initiative designed to transform the UK tax system, making it more effective, efficient, and easier for taxpayers to get their tax right. The vision was first introduced in Budget 2015, with a roadmap published later that year setting out plans for a fully digital tax system.

Since then, HMRC has been gradually rolling out MTD in stages:

Since April 2019: VAT-registered businesses with turnover above the VAT threshold (£85,000) have been required to keep digital VAT records and submit VAT returns using MTD-compatible software.
Since April 2022: MTD for VAT has been extended to all VAT-registered businesses, regardless of turnover.
Coming April 2026: MTD for Income Tax Self-Assessment (ITSA) will apply to self-employed individuals and landlords with annual business or property income above £50,000.
April 2027: MTD for ITSA will expand to those earning over £30,000 annually.
April 2028: MTD for ITSA will expand to those earning over £20,000 annually.

These changes mark a major shift in how businesses and individuals interact with HMRC and manage their tax affairs.

What does this actually mean?

If you’re a sole trader or landlord earning over the relevant threshold, from April 2026 you’ll need to:

Keep your business records digitally.
Use MTD-compatible software to send quarterly updates to HMRC.
Finalise your business income via an End of Period Statement (EOPS) and submit a Final Declarationannually.

Now is the time to prepare—don’t wait until the deadline! Transitioning early can make the change smoother and give you time to find the best system for your needs.

At Rosemary Bookkeeping, we work with a range of MTD-compatible software providers and can help you find the best solution for your business.

What are the advantages of going digital?

Switching to digital accounting brings many benefits beyond MTD compliance. With cloud-based bookkeeping software, you can:

Get a real-time view of your finances anytime, anywhere.
Keep your accounts securely online—no installations, no backups needed.
Avoid unexpected software or maintenance costs.
Automatically import bank transactions daily.
Snap a photo of receipts and invoices to record them on the go.
Monitor cash flow, debts owed, payments due, and your bank balance 24/7 from your phone or laptop.

What software can I use?

Most mainstream accounting packages will be Making Tax Digital compliant, Rosemary Bookkeeping work with most of them, if you already use a compliant accounting package, we can work with you to get your records ready and up to date or we can help you decide on which is the right package for your business. See our Software page for more detail about the accounting packages we work with on a regular basis.

VAT Returns

VAT returns

Doing your bookkeeping online?

Using a cloud accounting/software system? How confident are you that your VAT return is right? Do you know when you can claim VAT? When you can’t?

Online VAT returns aren’t as straightforward as you think – can you answer these questions?

Can you claim VAT on meals?
Can you claim VAT on train fares?
Can you claim VAT on utility bills?

If you aren’t confident about the answers, then you shouldn’t be submitting your VAT Return to HMRC without it being checked by a reliable, knowledgeable bookkeeper.

Rosemary Bookkeeping can help – even if you are using online accounts software, let us check your VAT return before you send it off, you never know, you might find you are entitled to a VAT refund.

Check Out Teri’s Tips

Whether it’s understanding expenses, how to process things in Xero or navigating some smart solutions for managing or preparing basic financial documents you can visit our dedicated Teri’s Tips page HERE. Click to discover more

VISIT TERI’S TIPS