Know what HMRC knows about you
HMRC uses financial data patterns to select which companies to investigate. Cledo.tax runs those same checks on your own numbers — so you can correct problems before they become enquiries.
See your radar score8 automated checks, every 48 hours
High Expense Ratio
Travel & subsistence expenses above 15% of revenue is a known HMRC trigger for IT and tech contractors. We check your ratio against sector benchmarks.
Zero Pension
No pension contributions despite high profit looks unoptimised to HMRC and costs you money. We alert you before the year-end opportunity closes.
Late Filing Pattern
HMRC uses compliance behaviour as an investigation selection criterion. A history of late filings significantly increases your risk profile.
No IR35 Assessment
An undocumented IR35 position is an open invitation. We alert you when contracts exist without a completed determination.
Single Client Exclusivity
All revenue from one client is a key disguised employment indicator. We track this automatically from your bank feed.
Salary Anomaly
Salary below the NI secondary threshold without a documented reason, or above the personal allowance unnecessarily — both attract attention.
Director’s Loan
An outstanding director’s loan above £10,000 triggers Section 455 tax. We monitor your loan account balance and alert you before it becomes costly.
Unreconciled Transactions
A large proportion of unreviewed transactions signals poor bookkeeping. HMRC views this as a red flag during investigation.
From detection to action in under 24 hours
Alert fires
48-hour automated scan detects a pattern match
Accountant notified
Your accountant is alerted immediately with full context
Action sent to you
A clear, plain-English recommended action arrives in your inbox
Accountant integration
For Complete+Accountant subscribers, your accountant sees every critical alert before you do. They draft a recommended action based on your specific situation. You receive a clear, plain-English instruction \u2014 not an alarm.