Cubed Consultancy

CHARTERED ACCOUNTANTS AND BUSINESS ADVISORS IN HARPENDEN

Large enough to meet your financial needs, small enough to know your name.

Who Are We

Cubed Consultancy is a firm of ICAEW chartered accountants in Harpenden, Hertfordshire, and is FCA-authorised for financial planning.

That means your tax position and your financial plan are built together, in the same conversation.

We work from Harpenden, with a London presence, for owner-managed businesses across St Albans, Hertfordshire and the commuter belt — limited company directors, partnerships, sole traders, and families with property or investments alongside a business. We also act for professional sportspeople, entertainers and clients holding cryptoassets.

Before we talk numbers we talk about your business: where you are, where you’re heading, and what success actually looks like. Large enough to meet your financial needs, small enough to know your name.

Industries we know inside out

Construction

CIS returns, the VAT reverse charge, and retentions that sit unpaid for a year after the job finishes.

Retail

Margin by product line and channel, stock at the year end, and VAT across marketplaces and your own site.

Sports

Purse income, image rights, and planning for a career that may last ten years rather than forty.

Crypto & Blockchain

Transaction histories rebuilt across exchanges and wallets, and returns filed with the workings attached.

Entertainment

Royalties, income that arrives in lumps, and tax already withheld on work done abroad.

How we work

Records kept up to date in Xero, QuickBooks or Sage, so you always know where your money is going.

Bookkeeping and Payroll

Trusted across the country

Rated 4.9

“I have been working with cubed consultancy for the last year. With Mark/Richards help and their team they have helped me grow my business and give me some of the best advice.”

Jack Stobart

“Cubed Consultancy have been helping me with my tax for the last 3 years. They have helped by simplifying a process that is confusing and sometimes scary!”

Katie Wellbelove

“Incredible company and staff. I know that they do very complex accounting for larger companies but, even though I am only a small company, they they look after me in the same way. Professional yet friendly.”

Lee Jackson

“I was delighted with the service from Cubed Consultancy. I found Mark to be professional, knowledgeable and friendly. “

Simon Slattery

“Hands down the best accounts firm I have ever dealt with. These guys are so knowledgeable and friendly, and most importantly – accessible. 100% would recommend.”

Sam Hopps

Featured news

Image rights tax for footballers: a football beside a player photo card

Footballer Tax Mistakes: 4 Things That Catch Young Players Out

Written by Mark Munnelly ACA, Director, Cubed Consultancy · Updated November 2026 Footballer tax mistakes tend to fall into four areas, and Cubed Consultancy, ICAEW chartered accountants in Harpenden, Hertfordshire, explains each one in this guide: bonuses taxed as pay, the 60% tax trap, image rights companies, and agent fees.

How to change accountant: records moving from one folder to another

How to Change Accountant: A Guide for Harpenden Businesses

Written by Mark Munnelly ACA, Director, Cubed Consultancy · Updated November 2026 How to change accountant comes down to five steps: appoint the new firm, tell your current accountant, allow a professional enquiry, move your records, and update HMRC and Companies House. Cubed Consultancy, ICAEW chartered accountants in Harpenden, Hertfordshire,

Red Budget box illustration for the Autumn Budget 2026 guide for business owners

Autumn Budget 2026: What It Means for Business Owners

Written by Mark Munnelly ACA, Director, Cubed Consultancy · Updated 28 October 2026 The Autumn Budget 2026 leaves the headline taxes for small businesses where they were, with corporation tax, the VAT threshold and the main income tax bands all unchanged. The changes that matter sit around the edges. They

Ready to accelerate your growth?

Let’s discuss where your business is today, where you want to be, and the strategic moves that will get you there faster. No sales pitch, just an honest conversation about what’s possible.