We've helped hundreds of directors and business owners find a way through financial pressure — from mounting debt to HMRC demands. Confidential. Fast. Honest.
Most business owners in financial difficulty wait too long to get help. The earlier you act, the more options you have. In many cases, debts can be legally written off and the business saved entirely — but only if you move quickly.
Talk to Us Today — It's FreeContact us for a no-obligation, completely confidential conversation about your situation.
We review your position honestly — debts, obligations, cash flow, and all available options.
We build a tailored strategy — whether that's restructuring, negotiating, or starting fresh.
Our team handles everything, guiding you through the process step by step.
Annual accounts, management reporting, bookkeeping, and cloud accounting for every size of business.
Strategic business advice, financial planning, banking & finance support, and forensic accounting.
Confidential debt advice, restructuring, and turnaround strategies for companies in financial distress.
Fully managed payroll for 1 to 1,000+ employees. BACS-approved, auto-enrolment, and full outsourcing.
Personal and corporate tax, HMRC enquiries, VAT compliance, and tailored tax planning to keep more of what you earn.
We're not a faceless national firm. We're a tight-knit Glasgow team who know our clients by name, answer quickly, and give advice that's actually useful in the real world.
Meet the Team"In many cases, business owners come to us convinced it's over. More often than not, it isn't. There are always options — the key is getting proper advice before the window closes."
— Chris Calder, Founder & Director
About ChrisMost people don't know that in many situations, company debts can be completely written off and the business — or its trade — can continue. It's not a loophole. It's the law, used correctly.
We handle all aspects of accounting and compliance — not just ticking boxes, but providing genuine insight into your numbers so you can make better decisions. We're viewed by many clients as a trusted long-term business partner, from start-up through growth and beyond.
Strategic business advice for every stage of your company's journey. Whether you're planning for growth, navigating a difficult period, or considering an exit — we provide practical, honest guidance tailored to your situation.
Immediate, confidential advice for directors facing financial distress. We explore every option before recommending a path forward. In many cases, debts can be legally written off and the business — or its trade — can continue.
We run payroll for over 150 clients, including full outsourcing of weekly payrolls. Secure, BACS-approved, and always compliant with the latest legislation — so you never have to think about it.
The UK has one of the most complex tax systems in the world. Our tax specialists know it inside out — and tailor their advice to your specific circumstances, whether you're an individual, a director, an SME, or a multinational.
Our team have years of experience across all aspects of accounting and compliance. We don't just crunch the numbers and file returns — we take the time to understand your business and use that insight to provide practical advice that genuinely helps you grow.
We ensure you're always fully compliant with HMRC, meet every filing obligation, and stay ahead of legislative changes. We partner with leading cloud accounting providers to give you real-time visibility of your finances, from anywhere.
Many of our clients have been with us since the very start of their business — and we've guided them through every stage. From seed-stage start-ups to established SMEs, we bring the same level of care and expertise to every relationship.
We prepare and file your annual accounts on time, while giving you a clear picture of what the numbers mean for your business.
Regular, easy-to-understand reports that surface the data that matters — allowing you to make faster, better-informed decisions.
We compare your performance against sector peers, helping you identify strengths and areas for improvement.
We handle all your bookkeeping using cloud-based software, giving you access to live accounts anytime, from anywhere.
Every business reaches inflection points — seeking funding, planning acquisitions, dealing with disputes, or thinking about an exit. Our advisory team combines deep financial expertise with real commercial experience. We don't deal in vague recommendations — we help you understand your options and act.
Whether you're growing, investing in new tech, boosting cash flow, or reviewing existing borrowings — our banking and finance team help you navigate a complex marketplace and secure the best deal.
We help you explore refinancing existing borrowings to obtain more favourable terms on commercial mortgages, business loans, overdrafts, invoice finance, asset finance, and more. We also assist with business plans and forecasts to support funding requests, and can identify grant opportunities.
Business improvement strategies can structure future growth, accelerate an already thriving company, or help an underperforming business refocus. We've helped loss-making companies return to profitability and advised high-performing businesses on how to go further.
Our financial planning team take a personal, straightforward, flexible and far-sighted approach. Whether you're an individual managing personal wealth or a business at any stage of its lifecycle, they design the most appropriate planning options for your specific situation.
Our forensic accounting team are highly experienced in dealing with a wide variety of legal claims — civil, criminal, corporate, or personal. We provide cost-effective, independent analysis and advice, whether you're facing or commissioning a financial, fraud, or regulatory investigation.
We also value businesses and shares in non-dispute contexts — for tax planning, shareholder agreements, and other commercial purposes.
When financial difficulties arise, our advisory team works alongside our recovery specialists to find the best route forward. We consider every option before recommending a path — always prioritising the survival and long-term health of your business.
Most directors we speak to believe they've run out of road. In most cases, they haven't. There are always options — and the earlier you take advice, the more of those options remain available.
We work with businesses of all sizes, from one-person operations to companies with hundreds of employees. Our first priority is always survival. If the business can be saved, we'll find a way to save it.
In many situations, company debts can be legally written off entirely and the business — or its trade — can continue in a new entity. This isn't a grey area. It's a legitimate legal process that we've guided many clients through successfully.
We'll walk you through exactly how it works, what's possible in your situation, and what the process involves — clearly and honestly, with no jargon and no pressure.
Payroll legislation changes constantly — keeping up with it consumes time you don't have. We take it completely off your hands, running payroll for over 150 clients including full outsourcing of weekly payrolls for businesses across the UK.
Our service is BACS-approved and fully compliant, covering everything from basic monthly runs to complex multi-site, multi-rate payrolls for large teams. Switching to us is seamless — we manage the whole transition.
Pension auto-enrolment is a legal requirement — and the rules keep changing. We manage the full process on your behalf, from staging date preparation through to ongoing management, so you're always compliant.
We also manage payrolls for overseas clients with a UK entity or branch, helping them understand and meet UK legal requirements without needing to build internal expertise.
Whether you're taking your business to the next level or building personal wealth, tax is often the biggest drag on your progress. Our specialist team focuses on reducing that drag — legally and sustainably.
We advise individuals, families, sole traders, SMEs, and multinationals. Whatever your situation, we tailor our service precisely to what you need. No cookie-cutter solutions.
HMRC enquiries can be stressful and time-consuming. Our team handles them on your behalf — managing correspondence, attending meetings, and negotiating where appropriate. We know how HMRC operates, and we know how to get the best outcome for our clients.
Founded in Glasgow in 2010, we've grown by doing good work and earning long-term client relationships. We're not a revolving door of juniors — you'll work with the same experienced people every time.
Chris graduated from the University of Glasgow in 2000 and joined KPMG to complete his professional tax qualification. Before founding Calder C&C in 2010, he gained broad experience with an independent Scottish practice and an investment bank. Under his leadership, the firm has grown steadily around a core of strong general practice services and an owner-focused tax specialism.
Founder · Tax Specialist · 20+ YearsLauren joined the firm straight from university in 2014, qualified ACCA in 2018, and became a director and shareholder in 2019. She leads the compliance team and plays a central role in business development and client advisory.
ACCA · Director since 2019Anne-Marie joined the team in 2016 and manages payroll for over 150 clients — including outsourced weekly payrolls. She covers all aspects including pensions and auto-enrolment, and brings years of experience from both private and practice settings.
Payroll · Pensions · Auto-enrolmentBilal is ACCA qualified with 3+ years at the firm. He handles client enquiries, VAT returns, annual accounts, cash flow statements, and business plans. Previously at PWC Lahore. Fluent in English, Urdu & Punjabi.
ACCA · VAT · AccountsAbbie holds an Accounting degree and is an ACCA Accelerate and CIMA student. She handles VAT/PAYE registrations and company administration while building hands-on experience in VAT returns and payroll.
ACCA Student · CIMA StudentWhether you're dealing with financial pressure or just need reliable accounting support, we're here. Fill in the form and we'll respond within one working day.
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We'll be in touch within one working day. All enquiries are completely confidential.