Take the files clients actually send.
PDF statements, CSV exports, Excel sheets, receipt photos, supplier invoices and marketplace reports.
- Bank PDFs and CSVs
- eBay, Amazon and PayPal files
- Receipt and invoice OCR
For accountants & bookkeepers · The IQ Suite · Live
Use AI like a junior you can interrogate.
The suite does the repetitive work: statement matching, transaction coding, VAT classification, invoice matching, posting, client analysis and the year-end working papers. You keep the professional judgement, the review trail and the final sign-off. And now the flagship, IQ Books, is a complete accounting platform that keeps client books itself.
8
Coding phases behind every suggestion
44
LedgerIQ analysis modules
5
Products, one subscription
You
Sign everything off
HMRC context
HMRC's Income Tax rules now mean digital records and quarterly income-and-expense updates through compatible software.
GOV.UK guidance
ICB context
Bookkeepers remain accountable for work produced with AI; outputs need review, validation and explainability.
ICB AI guidance
ACCA context
Routine processing contracts; advisory, judgement, controls and client interaction expand.
ACCA AI monitor
§ 01 · The difference
Same client month.
You stop keying it.
Here is the routine month for one client, done by hand on the incumbents, and done through the suite.
By hand on Xero · QuickBooks · Sage
With The IQ Suite
Coding the bank
× You or a junior, line by line
✓ Eight-phase pipeline prepares the batch
VAT treatment
× You pick a code on every line
✓ Classified and flagged for your review
Bank reconciliation
× Tick-and-bash against the statement
✓ Matched with evidence, gaps surfaced
Invoices & payments
× Click through every suggested match
✓ Matched and queued for confirmation
Posting
× Manual entry into the ledger
✓ Posted after review, to the client's platform
Client explanation
× A TB export and an email
✓ 44-module analysis and a readable pack
Year-end working papers
× A week in spreadsheets
✓ PrepIQ prepares them; you review and sign
Who does the work
× You
✓ The suite prepares; you interrogate and sign
Clients stay where they are: CodeIQ posts to Xero, QuickBooks, Sage or Pandle. Or move a client to IQ Books and the same bookkeeper runs natively in its own ledger.
§ 02 · The daily workflow
The suite follows the job in the order you actually do it.
Not a chatbot bolted onto a spreadsheet. A workflow for getting client books from messy source data to a defensible, signed-off file.
Prove what is missing before posting more.
ReconcileIQ compares bank and books, ranks likely matches and surfaces the gaps.
- Bank-to-books evidence
- Duplicate and timing checks
- Working-paper exports
Let CodeIQ prepare the bookkeeping batch.
Eight phases contribute to every suggestion, from transfer detection to VAT classification.
- Confidence scoring
- Method labels on every row
- Review before posting
Give the client something better than a TB.
LedgerIQ turns the finished general ledger into ratios, trends, forecasts and a readable client pack.
- 44 analysis modules
- Formula-backed outputs
- PDF report and RiQ narrative
Close the year without the spreadsheet week.
On practice plans, PrepIQ prepares the full year-end working papers, cell-linked and reviewable.
- Extended trial balance
- Fixed assets and capital allowances
- Nothing released until you sign off
§ 03 · Built for judgement
Every suggestion should answer why.
The risk with AI bookkeeping is not that it is fast. The risk is an answer that looks confident but cannot be defended. CodeIQ makes the method visible on every row.
Each suggestion carries its source: whether it came from a transfer pair, an invoice match, the client's own history, a universal merchant pattern, an MCC category, semantic similarity, your correction history or VAT logic. Speed without traceability does not survive client questions, HMRC queries or internal review. Ambiguous items are flagged rather than guessed, and nothing invents a figure to force a balance.
1 · Transfers
2 · Invoice match
3 · Client history
4 · Universal patterns
5 · MCC
6 · Semantic
7 · Your corrections
8 · VAT
§ 04 · Five tools, one subscription
For the accountant who has to prepare, review and explain.
One platform that keeps the books itself, and four tools that run on whatever software your clients already use.
IQ Books · The flagship · Live
The accounting platform that does the bookkeeping itself.
A complete double-entry platform: sales invoicing, bills, banking, VAT, stock, fixed assets with automatic depreciation, projects and multi-currency. RiQ, the bookkeeper built in, codes the bank, sorts the VAT, matches the invoices and keeps every client current, so a routine month is minutes of review instead of an afternoon of keying. Statutory accounts for limited companies are prepared from the ledger as validated iXBRL, ready to file to Companies House.
- The bank coded, VAT sorted and invoices matched before you open the file
- VAT returns built as it codes, including reverse charge and postponed import VAT
- Immutable ledger with period locking: a finalised return always ties back to the books
- Learns each client's accounts and your corrections as it goes
- Practice plans include a free, full IQ Books organisation for every client
- Import from Xero, QuickBooks, Sage or Pandle, one client at a time
Prove the bank.
Match the statement to the books, find the missing entries, flag duplicates and export the evidence. Works from direct integrations or plain files.
- CSV, Excel and PDF statement input
- Invoice-to-payment mode
- Exception reporting for review
Prepare the books.
The eight-phase pipeline codes transactions, classifies VAT, matches invoices, detects transfers, learns from corrections and posts after your review.
- Posts to Xero, QuickBooks, Sage and Pandle
- Receipt and invoice OCR
- Merchant feeds for eBay, Amazon and PayPal
Explain the numbers.
Upload the finished GL and get client-ready analysis: ratios, trends, cash flow, working capital, forecasts, anomalies and board-pack narrative.
- 44 financial analysis modules
- Formula-backed calculations
- PDF export for client meetings
Prepare the accounts.
Hand over a client's records and RiQ prepares the full year-end working papers, reviewed and queried like a senior would. Every figure cell-links to its sheet, so nothing is plugged.
- ETB, fixed assets, capital allowances, HP and loans
- Sole trader and limited company accounts
- Nothing released until you sign off
§ 05 · Digital assurance
What matters after the software gives an answer.
ICB guidance is blunt: AI does not remove professional accountability. The suite is built around that reality, moving you faster while leaving a trail you can stand behind.
Traceability
Every important row shows the reason behind the treatment, not just a category name.
- Method labels on coding suggestions
- Confidence scores for review queues
- Linked evidence for matched items
Validation
Fast workflows still need checks around VAT, unusual payments, ambiguous treatments and client-specific policy.
- Low-confidence exception handling
- VAT audit view
- User learning from corrections
Client trust
Clients do not need every technical detail. They need a confident explanation of what changed and what you checked.
- Plain-English RiQ explanations
- LedgerIQ report narrative
- PDF packs for meetings
§ 06 · Clients on IQ Books
Your seat at a client's books costs nothing.
When a client keeps their books on IQ Books, you get the double-entry guarantees, the live reports and full member access, free. Any order works.
Register a free account.
One free IQ Suite login is all you need. No card, no trial clock. If your client invites you first, the invite is waiting when you sign up.
Your client invites you.
From Settings, then Members, in their organisation. The invite lands by email, and pending invites are claimed automatically at registration.
Pull what you need, day one.
Live trial balance, P&L, balance sheet, the VAT position and the ledger behind every figure, with the audit trail intact.
§ 07 · Pricing fit
Start as one practitioner.
Scale when the client list grows.
Every plan includes the full suite. Choose by monthly credit volume and whether you provision client accounts. Unused credits roll over as bonus credits that never expire.
Individual · solo accountants and bookkeepers
Start free
£0 / forever
1,000 one-off credits · no card
- Full ReconcileIQ, CodeIQ and LedgerIQ
- One IQ Books organisation, cash accounting
- Try the whole workflow on a real client month
Starter
£5 / month
5,000 credits / month
- One IQ Books organisation, full accounting
- Every integration, every tool
- Clears one or two sets of books a month
Accountant · best value
£15 / month
25,000 credits / month
- Five IQ Books organisations, full accounting
- Roughly 6,250 transactions fully coded a month
- Built for a steady client book
Practice · connected client accounts + PrepIQ year-end
Practice Essential
£39 / month
50,000 credits · up to 50 clients
- Each client gets a free, full IQ Books organisation and their own login
- PrepIQ year-end working papers
- Sponsor client automation from your credit pool
Practice Pro · best for firms
£79 / month
150,000 credits · up to 250 clients
- Everything in Essential, with more headroom
- Lower overage rate, never cut off
- PrepIQ year-end working papers
Enterprise
£199 / month
500,000 credits · up to 1,000 clients
- Networks, outsourcing shops and large practices
- Tailored arrangements above 1,000 connections
- PrepIQ year-end working papers
Full detail, including credit rates per product and client-account provisioning, on the pricing page.
§ 08 · Questions
Short answers before you try it.
Is The IQ Suite for accountants or for business owners?
Both. This page is written for accountants and bookkeepers who use the suite to prepare, review and explain client books. Business owners can use the same products directly, and practice plans give every connected client their own free IQ Books organisation.
Does CodeIQ replace professional judgement?
No. CodeIQ is supervised automation. Its eight-phase pipeline suggests coding, explains the method behind every row, scores confidence and keeps exceptions visible so the professional reviews before anything is posted.
Do I have to move clients off Xero, QuickBooks or Sage?
No. CodeIQ posts directly to Xero, QuickBooks Online, Sage and Pandle, so you can keep every client where they are. When a client is ready, you can import their books into IQ Books and the same bookkeeper runs natively there. Move one client at a time, or never.
Can it help with digital record-keeping for HMRC?
The suite keeps digital bookkeeping records cleaner by reconciling bank data, coding transactions and reviewing VAT. Submissions to HMRC remain the responsibility of the accountant, bookkeeper or the compatible tax software used for filing.
What does the year-end look like?
On practice plans, PrepIQ prepares the full year-end working papers from a client's records: extended trial balance, fixed assets, capital allowances, HP and loan reconciliations, VAT and the tax computation, with every figure cell-linked to its sheet. Nothing is released until you sign it off.
Can it learn how I code?
Yes. Corrections become user-learning patterns, so the next similar merchant follows your treatment instead of repeatedly asking the same question. IQ Books learns each client's chart of accounts the same way.
A client has put their books on IQ Books. What now?
Read the accountant's guide at bankreconciler.app/iqbooks/accountants: the double-entry guarantees, what you can pull on day one, and how to get access. Short version: your client invites you from Settings, then Members; you accept with a free account; your seat costs nothing. Any order works.
Is the LedgerIQ output advice?
No. It is formula-backed analysis from the client's own ledger across 44 modules. It gives you the numbers, the workings and a draft narrative; you decide what advice to give.
The professional remains in charge
Spend less time keying.
More time checking, explaining and advising.
Start with one messy client. Reconcile the bank, let CodeIQ prepare the batch, review the exceptions, post the result, then use LedgerIQ to explain the month. When you are ready, give the next client a ledger that keeps itself.