For independent community pharmacies · £200k–£5m turnover

Bookkeeping for Pharmacies

A CIMA-supervised bookkeeping practice for independent community pharmacies. Monthly NHS BSA reimbursement reconciliation, locum cost tracking, gross margin analysis by category, quarterly Controls Assurance statement. Fixed monthly fee from £500.

Book a 30-minute initial review →
Regulated byCIMA
Member in Practice
Companies HouseNo. 16943160
Insight Professional Partners Ltd
CoverProfessional
Indemnity Insured
ServingCambridgeshire
Northants & Rutland
The gap most pharmacy owners get stuck in

Your year-end accounts arrive ten months after the year they describe

Most independent community pharmacies have an accountant who signs the books off in March, ten months after the year being described. The result is a twelve-month gap where nobody — owner or accountant — actually knows whether the numbers are right.

For a pharmacy, that gap is especially expensive. NHS BSA reimbursement runs roughly 60 days behind dispensing, and the variance between what you expected and what actually paid moves with every monthly Drug Tariff and concessionary price change. Category M reimbursements drift. Locum costs at £350–500 per day eat margin fast when permanent recruitment is hard. Gross margin by category — Rx vs OTC vs services — needs constant attention. Pharmacy First and other NHS commissioning revenues come on different cycles. None of this gets surfaced until the annual sign-off, by which point the year's already over and the cash position is whatever it is.

We close the gap. Continuous bookkeeping with a quarterly assurance check tied to published standards — every issue we surface is cited to a specific FRS 102 section or HMRC rule. You see your numbers monthly, with the BSA reconciliation matched off, not annually after the damage is done.

What you actually get

The bookkeeping service, delivered every month

Every month, like clockwork. Every issue we raise is tied to a published accounting standard (FRS 102, FRS 105) or HMRC rule. Nothing is a black box.

Coding

Monthly transaction coding

Every transaction in Xero coded correctly. Locum costs separated from permanent payroll. NHS BSA receipts tagged for reconciliation. Concessionary pricing variance tracked. Bank feeds connected once, monthly cycle runs automatically.

NHS

NHS BSA reconciliation

Monthly reconciliation of expected vs actual BSA reimbursement, with the variance broken out by Category M, Category C, and concessionary price changes. Drift surfaced early — not in March when it's too late to challenge with the BSA.

VAT

8-point VAT inspection

Before every VAT return, we run the eight checks HMRC's own inspectors run. Dispensed medication zero-rated vs OTC standard-rated split done correctly. Partial exemption calculation if applicable. Errors caught before submission, not after.

Assurance

Quarterly Controls Assurance

A one-page client-facing assurance statement every quarter — “your books are sound, with the evidence.” Show it to your bank, your accountant, your auditor. Most independent pharmacies have never seen anything like it — useful for bank conversations and any future practice valuation.

Reconciliation

Monthly reconciliation pack

Debtors (including BSA expected), creditors, payroll, VAT, locum costs broken out — all reconciled and packaged. Plus an issue log: every flag we raised, every standard we cited, every fix applied or recommended. Audit-trail ready.

Standards

Cited, not opaque

Every issue we raise carries a citation: FRS 102 Section 21 for accruals and prepayments, Section 23 for revenue recognition, HMRC's published VAT inspection criteria. Nothing is “our opinion” — it's the standard.

Runs entirely on your existing Xero connection. Nothing for you to set up. We connect once, the monthly cycle runs automatically, and you get the deliverables without lifting a finger. Year-end accounts can be prepared by your existing accountant — or we'll refer you to a UK Chartered Accountancy firm we work with if you'd rather have one finance team end-to-end.
When you outgrow bookkeeping

Two natural upgrades, on the same continuous-assurance foundation

Tier 2 · from £750/mo

Management Accounts

Bookkeeping plus monthly P&L commentary, 13-week cash flow forecast (essential given the 60-day BSA reimbursement cycle), tax calendar with exact HMRC dates, and balance sheet health readout.

Tier 3 · from £1,500/mo

Virtual Finance Director

Full VFD service. Board pack monthly, strategic forecasting, gross margin and category mix modelling, locum cost planning, NHS contract revenue scenarios, monthly review call with Peter directly. Same engine, more depth.

Who this is for

Independent community pharmacies ready for proper monthly discipline

Size
£200k–£5m turnover, 2–15 staff
Structure
Independent community pharmacies — single-site or small group
SIC code
47730 — Pharmacy and dispensing chemists
Current state
Year-end-only accountant, books done by owner-pharmacist or part-time bookkeeper, no NHS BSA reconciliation discipline
Geography
Cambridgeshire, Huntingdonshire, Northamptonshire, Rutland — CB, PE, NN, LE postcodes
Not a fit
National multiples (Boots, Lloyds, Well, Rowlands) — we work with single-site or small-group independents only
Why IPP for a community pharmacy

A regulated practice, run by one person who's accountable

I'm Peter Edwards. CIMA-qualified Chartered Management Accountant (ACMA CGMA) with twenty years of senior finance experience across pharmaceutical distribution, manufacturing, and professional services.

I keep my client list deliberately focused so every engagement gets proper senior attention. No junior delegation. No offshored bookkeeping. No black-box software making decisions on your behalf.

Tax matters that fall outside CIMA's remit — Corporation Tax, personal Self-Assessment, R&D claims — are referred out to a UK Chartered Accountancy firm we work with. A regulated practice with experience supporting community pharmacy clients on Capital Gains on disposal, R&D claims where applicable, and group structuring.

  • Peter Edwards ACMA CGMAChartered Management Accountant, CIMA Member in Practice (regulated practising certificate)
  • 20 years senior finance experiencePharmaceutical distribution, manufacturing, professional services
  • Companies House No. 16943160Insight Professional Partners Ltd
  • Professional Indemnity InsuredFull PI cover, AML-supervised
  • Tax ReferralsIncome tax and Corporation Tax work referred out to a UK Chartered Accountancy firm we work with
How it works

Three steps to monthly clarity

01

Initial review

30 minutes on Calendly. Free, no obligation. We talk about your practice, the gaps you feel, and what monthly visibility would actually mean for you.

02

Financial Health Check

Free. We connect to your Xero, run our checks, and tell you honestly what we'd do differently — whether you engage with us or not.

03

Monthly engagement

If it's a fit, we go live. Fixed £500/month, GoCardless mandate, no surprises. Monthly cycle starts from the first complete month.

Ready to close the gap?

Bookkeeping for community pharmacies from £500/month, fixed fee. CIMA-supervised. Free 30-minute initial review — no obligation.

Book your initial review → Currently accepting enquiries