Simple, stress-free accounting

Whether you’re a growing entrepreneur or a working parent, we turn the financial side of business into something simple, supportive, and stress-free.

How we help
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Simple, stress-free accounting

Whether you’re a growing entrepreneur or a working parent, we turn the financial side of business into something simple, supportive, and stress-free.

Book a Financial Clarity Call
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Navigate Accountancy Brandmark

Helping you manage a thriving business so you don't miss out on life's most important moments.

We understand that your time is precious. By managing your finances efficiently, we ensure you can focus on running your business without sacrificing the important moments life has to offer. From ambitious sole traders and start-ups to established limited companies, we offer solutions for all kinds of business.

About Us
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Navigate financial success with our most popular services.

Virtual Finance Office

Access expert finance support at a fraction of the cost of hiring in-house.

Annual Accounts

Comprehensive financial reporting, giving you an overview of your business's performance.

Making Tax Digital

Stay compliant with HMRC’s latest Making Tax Digital for ITSA rules.

Payroll

Streamlining your payroll process, guaranteeing accuracy and regulatory adherence.

Why choose Navigate?

Every successful voyage needs a skilled navigator; let us be yours.

Work With Us
Financial roadmap

Financial roadmap

We provide your business with a tailored financial roadmap, providing you with a clear, strategic plan for achieving your goals.

Innovative solutions

Innovative solutions

By leveraging the latest accounting technology, we offer innovative solutions that will keep your business ahead of the curve.

Increased profits

Increased profits

By implementing efficient financial strategies and cost-saving measures, we help boost your bottom line, leading to increased profits!

Dedicated support

Dedicated support

Our dedicated support ensures you have a reliable, expert team on your side, ready to address your financial queries and challenges promptly.

Happy businessman checking cloud accounting software

Say goodbye to accounting worries

With our powerful cloud accounting solution, you can manage your business finances anytime, anywhere. Say goodbye to complicated spreadsheets and the stress of managing paperwork, and hello to easy, accessible, and efficient cloud-based finances.

Don't just take our word for it...

Read what some of our wonderful clients have said about us.

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Five stars

I have been incredibly impressed by their professionalism, responsiveness and care. They always take the time to explain the often complex tax rules in a way which is understandable.

Mark Edwards

Brain & Mind Ltd

Five stars

Navigate are quite simply the best. I have always dealt direct with Frances and she is extremely knowledgeable on all things tax, quick to respond, and ensures my tax liabilities are kept in check.

Robin Davis

Platinum Interiors

Five stars

I have found Navigate excellent to work with. They are experienced but friendly. They are always happy to take the time to explain things to me, which I have appreciated. Highly recommended.

Sarah Cox

Sign Language Interpreter

Five stars

Highly recommend. Francis and the team help you to get organised and ready for tax returns well in advance. No more last minute panic.

Joseph Kavanagh

Kavanagh Rope Access

The latest articles and resources from Navigate Accountancy.

By Frances Lythgoe May 19, 2026
For many salon owners, hiring an apprentice can feel like a difficult decision. When appointment books are full and your stylists are already stretched, bringing in someone inexperienced may feel like it would add more pressure rather than more support. As a result, many salons choose to hire someone with more experience, even when it comes at a significantly higher cost. But with wage costs continuing to rise, driven by increases to the National Living Wage and higher employer National Insurance contributions, apprenticeships are becoming a more practical option for many salons. In some cases, they can be a better long-term investment than hiring a fully trained stylist straight away. So how do you decide what’s right for your salon? What an apprentice actually is An apprentice is an employee who combines paid work with structured training. They work towards a recognised qualification while gaining hands-on experience within your salon. They are not unpaid help or just an extra pair of hands; they are part of your team and should have real responsibilities. In a salon environment, apprentices often support with: preparing clients for appointments washing and drying hair maintaining salon cleanliness managing refreshments and client care supporting senior stylists reception and appointment support learning core cutting and colouring skills The financial side Many salon owners assume apprenticeships are expensive, but they are often more affordable than you would expect. Apprentice wages are lower while training takes place, and depending on the apprentice and the size of your business, training costs may be fully or partly funded. In some cases, additional employer support may also be available. For salons that need more support but cannot yet justify another senior salary, apprenticeships can sometimes provide a more manageable route to growing the team. It is also important to think long-term. While an experienced stylist may contribute immediately, in time an apprentice can become a valuable member of the business if trained well from the start. The advantages One of the biggest advantages is the opportunity to train someone around your salon’s standards, systems and client experience from day one. Over time, this often leads to team members who fit naturally into the culture of the business and understand how the salon operates. Apprenticeships can also support retention. Many salons find that people who develop within the business are more likely to stay and progress over the long term. You may have also noticed that there is also a wider recruitment challenge affecting the industry. Finding experienced stylists can be difficult and expensive, particularly for newer salons. The drawbacks The biggest consideration is time. An apprentice will need support, supervision and patience, particularly during the early stages. That responsibility usually falls on senior stylists who are already managing busy schedules and client expectations. You should also expect productivity to build gradually rather than immediately. And as we all know, mistakes are always part of any learning process. Should your salon hire an apprentice? Possibly. An apprenticeship can work well if: your salon is growing steadily senior staff have time to support training you are thinking long-term junior support would free up experienced stylists you want to build a stronger team over time On the other hand, if your team is already overstretched and there is little capacity for training or supervision, taking on an apprentice may create additional pressure that you really don't need. How we can help At Navigate, we work with businesses across a range of industries, including salons and personal care businesses. If you are considering hiring an apprentice, we can help you understand the true cost, compare different hiring options and identify what support or funding may be available. If you would like to discuss your salon and growth plans, get in touch with our team on 01709 589 439.
By Frances Lythgoe April 6, 2026
We are so excited to announce that we have expanded and relocated to a new office in Chesterfield! Last week, our sign finally went up, so you may have got a sneak peek at us already if you’ve been passing through. Our new office is located at: 477A Chatsworth Road Chesterfield Derbyshire S40 3AD Located just a short distance from the town centre, the new location offers improved accessibility for clients across Chesterfield and the surrounding areas. Why we’ve made the move As our client base has grown, so too has the need for a space that better supports both our team and the way we work. The new office allows us to provide a more comfortable setting for in-person meetings, and accommodate our growing team. You’re welcome to drop by We would be thrilled to welcome you to the new office and show you around. So please drop in and say hello to Frances, or another member of the team. Our team will be rotating who is based in the office, so you may meet different members of the Navigate team when you visit. Thank you We would like to thank all of our clients for their continued support. This move is part of our ongoing effort to improve how we work and how we support you. We can't wait to welcome you to our new Chesterfield office.
By Frances Lythgoe March 18, 2026
Whether working from home, in an office, or on the move, most people overlook how much their environment affects their ability to focus. Recently, our team has been trying a few small, practical adjustments to see whether they could improve energy levels, concentration and overall output. The results have been encouraging, so it felt worth sharing what’s been working. The good news is that none of these require specialist equipment, and all can be put in place immediately. 1. Alternate between sitting and standing There is no single “perfect” working position. Evidence suggests that alternating between sitting and standing is more effective than sticking to one or the other. A practical approach is to work seated for 20 to 30 minutes, then switch to standing for a similar period. This helps reduce strain on the neck, shoulders and lower back, while also supporting sustained concentration. There is no need to invest in expensive equipment. A simple raised surface using books or a sturdy box can work just as effectively. Short breaks are equally important. Stepping away from the desk for five to ten minutes after around 45 minutes of work can help maintain focus throughout the day. 2. Align tasks with energy levels Productivity is not constant throughout the day. Most people experience natural peaks and dips in alertness. Earlier in the day tends to be better suited to analytical or demanding work, such as problem solving, financial analysis or technical tasks. As the day progresses, a more relaxed state often makes it easier to approach creative thinking, planning or broader strategy work. Rather than forcing productivity at the wrong time, it is more effective to match the type of work to the level of mental energy available. 3. Be intentional with background sound Some people work best in silence, while others benefit from background noise. Low-level, consistent background noise can help maintain focus during shorter periods of work. However, it may become distracting over longer stretches. In an office environment, this can be less practical, as any sound choice will affect those around you. In those settings, it is often best to be mindful of shared space or use headphones where appropriate. When working from home, there is far more flexibility to choose what works best on an individual level. For tasks that require deep concentration, many find that minimal or no background noise is most effective. For more routine work, light background sound or music may help maintain momentum. 4. Position screens at the correct height Posture plays a significant role in both comfort and concentration. Working with a screen positioned too low encourages a downward gaze, which can lead to poor posture and reduced alertness. Raising the screen so that it sits at, or slightly above, eye level promotes a more upright position and helps maintain focus. This simple adjustment can reduce physical strain while also supporting better engagement with the task at hand. 5. Use your environment to support the task The physical space itself can influence how people think and work. More open environments can encourage broader, more creative thinking, while smaller or more enclosed spaces tend to support detailed, focused work. Of course, not everyone has the flexibility to change their surroundings, particularly in a fixed office setup. In those cases, the focus can shift to smaller adjustments, such as repositioning a desk, changing where certain tasks are done, or stepping into a different space when needed. Where possible, it can still be useful to vary the working environment depending on the task. This might mean using different rooms, adjusting desk setups, or occasionally working in a different location altogether. Final thoughts There is no one-size-fits-all approach to productivity, and individual preferences will always play a role. What works well for one person may not suit someone else. These are the approaches our team has been testing, and we hope you find some of them just as useful.