IQ Books BOOKKEEPING, DONE
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The complete accounting platform · Private beta

IQBooks

The books, kept.

IQ Books is a complete double-entry accounting platform that does the bookkeeping itself, while keeping you in control of the final review.

Request early access ▶ See what it does Private beta · Keep your current platform too
1
Ledger of record
0
Spreadsheets to chase
1
Place to review
You
Keep final control
§ See it

This is the actual product.

Not a mock-up. The real IQ Books, keeping a real set of books, end to end.

The filmIQ Books keeping a full set of books, end to end
IQ Books dashboard: today's view of a client's business with cash on hand across bank accounts and a 30-day cash trend
Dashboarda client's whole position, the moment you log in
IQ Books banking: bank accounts with balances, transaction counts and unreconciled items
Bankingevery account, reconciled
IQ Books VAT return: the VAT100 boxes calculated as it codes, ready to file under Making Tax Digital
VAT returnbuilt as it codes, filed under MTD
The complete accounting platform · private beta Issued ISS. I · 2026

IQ Books

Xero and QuickBooks features.
A fraction of the price.

A complete double-entry accounting platform — everything you'd expect from Xero or QuickBooks, and then some — that does the bookkeeping itself. Drop in a stash of receipts and your bank statements and get back a finished set of books to review: coded, VAT sorted, invoices matched and reconciled, to excellent accuracy.

Request early access See the price See what it does Private beta · keep your current platform too
From the team behind The IQ Suite Reconcile · Code · Analyse · Prepare · Keep
Minutes to do a client's books
More clients without hiring
Included clients in your plan, not £15 each
You sign off it does the work, you keep control
§ Get paid · without chasing

Turn one invoice into a subscription.

The first invoice is the sign-up. Every one after that can be charged, receipted and allocated for you.

01

Send the first invoice.

Your customer sees a branded pay page and can choose to save their card for future scheduled invoices — clearly and with their consent, through your own Stripe account.

02

Collect on the schedule.

Your recurring template creates each invoice. IQ Books charges it, records the receipt and allocates it to the exact invoice automatically.

03

Only see the exceptions.

If a charge fails, the customer receives a pay link instead and your normal reminders keep chasing. Nothing is silently written off or left unaccounted for.

Your money goes to your Stripe accountCustomer controls saved cardFailed payment → pay link + reminders
§ 01 · The difference

Same job.
You stop doing it.

Xero, QuickBooks and Sage all sell you help with the bookkeeping. You still do the bookkeeping. Here is the same client month, on your current platform and on IQ Books.

 
Xero · QuickBooks · Sage
IQ Books
Coding the bank
× You or a junior, line by line
✓ Done before you open the file
VAT
× You pick a code on every line
✓ Sorted, you just sanity-check it
VAT return & MTD
× You build it and file it
✓ Built as it codes, filed under MTD
Invoices & payments
× Click through every suggested match
✓ Matched and reconciled for you
Bank reconciliation
× You tick it off, line by line
✓ Reconciled to the statement for you
A new client's backlog
× Hours of setup and cleanup
✓ Learns their patterns, catches up fast
A client's monthly books
× Half a day of data entry
✓ A few minutes, then your review
What it costs per client
× £16 to £59 a month, per client
✓ Included — one plan, every client
Who actually does the work
× You
✓ RiQ does it, you sign it off

Not ready to move clients off their current platform? Keep Xero, QuickBooks or Sage and add the same bookkeeper on top. See how the switch works.

§ It does the work

Drop it in. Get it back done.

The stack of add-ons you pay for — Dext, A2X, your accounts-production tool, a separate analysis app — is one platform that does the work itself. Give it the mess; get finished books back.

IQ Books receipt capture: a photographed receipt read into a draft bill with supplier, date, net, VAT and a suggested expense account
Dump a stash of receipts

Read, coded, filed.

Photos or PDFs, as many as you like. It reads the supplier, dates, totals and VAT on each, suggests the account and pre-fills a bill for you to check — the original scan kept on every one.

Replaces Dext & Auto Entry
IQ Books coded transactions: every bank line posted to a category with VAT code and source, signed green or red
Dump your statements & sales CSVs

Every line coded.

Bank statements and any sales platform's payout — eBay, Amazon, Stripe. Every line coded, VAT sorted, matched to invoices and reconciled, to excellent accuracy. It learns your corrections through universal-pattern and machine-learning systems, so it sharpens every month.

Replaces A2X & LinkMyBooks
IQ Books reports: trial balance with the full report suite alongside it — P&L, balance sheet, VAT return, aged debtors and creditors, cash flow
Get back a finished set

Every report. Ready to file.

Trial balance, P&L, balance sheet, VAT return, aged debtors and creditors, cash flow — the full suite you'd expect from Xero or QuickBooks, off books that keep themselves. Hand it a client's loan, HP and completion papers and it builds the year-end working papers too.

Replaces your accounts-production tool
And then some, on top

CFO-grade analysis, with a copilot that drives it.

43 analysis modules, ratios, forecasts and one-click board packs, read straight off the live ledger. Ask RiQ out loud and it navigates the dashboard, runs the what-if simulations and answers your deepest questions — interactive.

43analysis modules
2.4×current ratio
A+Altman Z-score
Ask RiQ →
§ 02 · How it works

Add the client. Get back the books.

Four steps, and only the first and last are really yours. You bring in what the client already has, RiQ does the bookkeeping, and nothing counts until you have checked it.

Step 00 · Set up
Add a client
Start a fresh set of books, or import a client straight from Xero, QuickBooks, Sage or Pandle. Their chart of accounts, contacts and balances come across, so you carry on rather than start blank.
StartFresh or import
SetupMinutes
Step 01 · Send the work in
Drop in the records
Upload a bank statement, raise the invoices and bills, forward the receipts. No rules to write first and no special export to produce. Whatever the client gives you, give it to IQ Books.
BankCSV · PDF
DocsAny format
Step 02 · RiQ does the books
The bookkeeping happens
RiQ codes every line, sorts the VAT, matches invoices to payments, pairs the transfers and reconciles the bank to the statement. A client's whole month, done in minutes, and the more you use it the more it gets right first time.
A monthMinutes
CodingLearns yours
Step 03 · You sign off
Review & advise
Check the drafts, fix anything and it learns, then it is done. Your reports are live and ready for the client conversation, and the books flow into LedgerIQ and PrepIQ when you need analysis or a year end.
ReportsLive
Sign-offYours
§ 03 · What it does

The whole job,
off your desk.

Everything you would expect from Xero or QuickBooks is here, the bank, invoicing, bills, VAT and reports, with the difference that the work is done for you rather than left for you.

01 · The grind, gone

The bank, done for you

Import a statement and every line comes back coded, with the VAT sorted, the transfers paired, the invoices matched to payments and the account reconciled to the statement. The part of the job that eats your week, handled before you even open the file.

CodingDone for you
VATSorted
A monthMinutes
02 · Your bookkeeper

RiQ, built in

The bookkeeper lives inside the platform, not in a separate app. It learns each client's accounts and your corrections, so it gets the coding right more often the more you use it. And you can just talk to it — hold the space bar and ask RiQ to pull a figure, code a batch or explain an entry, out loud.

RiQ
03 · Money in

Invoicing & chasing

Raise sales invoices, quotes and credit notes in any currency at live rates, record what comes in, and email invoices and statements. The receivables side handled, not just the bank.

04 · Money out

Bills & receipts

Enter supplier bills, snap the receipts, record payments. Bills matched to the bank for you, so purchases reconcile themselves.

05 · VAT & tax, digital

Making Tax Digital, VAT and Income Tax

VAT is sorted as it codes — reverse charge, domestic reverse charge and postponed import VAT all handled — with the return built as you go and submitted to HMRC under Making Tax Digital. For sole traders, MTD for Income Tax too: the quarterly updates filed and the year-end Final Declaration crystallised, the same books carrying through to both.

VATMTD-filed
Income TaxITSA, quarterly
Year endFinal Declaration
06 · Stock

Inventory, in the ledger

Perpetual inventory built in, not bolted on. A product catalogue, an item picker on sales and purchase invoices, an item movement ledger and live stock levels that tie out to the balance sheet. Run stocktakes, value on a FIFO or weighted-average basis, and the stocks note flows into the year-end accounts.

07 · Capital

Fixed assets & depreciation

A fixed asset register with the monthly straight-line depreciation posted for you, so the carrying values and the charge in the P&L stay right without a journal to remember.

08 · The year-end

Statutory accounts, tagged and ready to file

For limited companies, IQ Books prepares FRS 105 or FRS 102 1A statutory accounts straight from the ledger, with the disclosure notes, tagged as validated iXBRL and ready to file to Companies House. A guided run takes you Setup → Map → Review → Approve → Tag → File, so the accounts come out of the same books you have been keeping all year.

09 · Margins by job

Projects, tracked

Tag journal lines to a project and read a per-project P&L, so you can see what each job or client actually made without keeping a separate sheet.

10 · The routine

Recurring entries & live reports

The recurring invoices and the monthly journals run on their own, and a live trial balance, P&L and balance sheet sit behind every client, so you can answer a question or print a report without building one first.

§ 04 · Trust & control

It does the work.
You still sign it off.

Handing the bookkeeping to software only works if you can trust what it did and stay in charge of it. It is your name on the accounts, so IQ Books is built to keep the last word yours.

01 · You review

Nothing's final until you say so

The books arrive done, but as drafts. You check them before they count, and a finished set is never released without your sign-off.

02 · It learns

Fix it once, it remembers

Correct a code and it sticks, for that client and the next. Your judgement trains it, so it keeps getting better at the way you do the books.

03 · It asks

Flags what it's unsure of

Where a transaction is ambiguous it asks rather than guesses, and marks low-confidence work, so your review goes straight to what actually needs you.

04 · No guessing

It never invents a figure

It posts what the records support and shows you the gap when something is missing. No numbers plugged in to force a balance, ever.

05 · Defensible

You can always see why

Every entry traces back to what created it, the statement, the invoice, the receipt, so you can answer any question a client or an inspector puts to you. The ledger is immutable, posted entries are never silently overwritten, and each period locks once it's filed.

06 · It compounds

Less to touch every month

The longer you run a client, the more it already knows, so the share you have to correct keeps shrinking. Your review gets shorter over time.

§ 05 · Why it is different

Bank rules were never
going to do your job.

You know the routine on the incumbents. You write a rule, it works until a payee changes, then you are back to coding by hand. The "AI" is an afterthought bolted onto a ledger that was built before any of this was possible, so the most it can do is suggest from the outside. IQ Books was built the other way round, with the bookkeeper inside the books. It does not nudge you while you do the work. It does the work, and hands it to you to check.

“Every other platform is somewhere to store books you still have to do. This one does them.”

IT DOES, IT DOESN'T SUGGEST

You get the coded, reconciled books, not a list of suggestions to click through one at a time.

IT LEARNS YOUR PRACTICE

Your accounts, your corrections and each client's history shape how the next month is coded.

IT GIVES YOU YOUR TIME BACK

The grind is handled, so your hours go on the advisory work clients actually pay for.

Automation does the volume; you keep the judgement and the client relationship. Your review is always the final word.

§ 06 · Who it is for

Your practice, or your own books.

Built first for the people who do bookkeeping for a living, and just as good for a business that would rather not. Same platform, run either way.

For · accountants & bookkeepers

Carry more, without burning out.

The routine coding, recs and VAT are handled, so a client's month takes minutes and your time goes on the advice and the relationships. Grow the client list without growing the late nights or the team.

  • A client's books done in minutes, not an afternoon
  • A ledger per client, included in one plan
  • Take on more clients without hiring
  • Your whole client list managed from one login
  • Feeds LedgerIQ and PrepIQ for analysis and year end
For · business owners

Run your own books.

For sole traders and companies tired of doing the bookkeeping their software was supposed to handle. Send in the bank and the receipts; get back books that stay up to date on their own.

  • The bank, sales, purchases and VAT, all done for you
  • Books that stay current without an evening of admin
  • VAT sorted and ready when the return is due
  • Live reports, without paying a bookkeeper to build them
  • Import from your old platform and carry on
§ 07 · Switching

Move your books.
Or keep both.

You do not have to rip anything out to start. Bring your books across when you are ready, or keep your current platform and add the same IQ bookkeeping brain on top first. Two doors into the same intelligence.

01

Import the ledger

Bring your general ledger and chart of accounts in from Xero, QuickBooks, Sage or Pandle. Your opening balances come across intact, so day one looks exactly like your last close.

02

Customers & suppliers

Contacts and their details come across, so invoicing and bills carry on from day one rather than starting from a blank address book.

03

Outstanding invoices

Open sales invoices and purchase bills migrate with their balances, so receipts and payments still allocate against the right document.

04

Or stay layered

Not ready to move? Keep Xero, QuickBooks, Sage or Pandle as your ledger and let CodeIQ post the coded books back to it. Same brain, your platform.

05

Pay only for what you run

Credits price the AI work the same wherever the transaction lands. The ledger fee is only paid by books you actually run on IQ Books.

06

Move at your pace

Practices can migrate clients one at a time. Start layered, prove it on a few sets, then bring the rest wholesale when it suits you.

Import your books from
XeroQuickBooksSagePandleAny GL (CSV / Excel)or keep them where they are

Wholesale or layered, you decide. Request early access.

§ 08 · Confidentiality

Your clients' data isn't the product.

The real question, when AI is doing the books, is what happens to the data. Here is the straight answer.

Not for sale

Never used to train anything

Your clients' records are used to do their bookkeeping, and nothing else. They are not sold, not shared, and not fed into any public AI model.

Built by an accountant

UK-built, not offshore

The whole suite is built and run in the UK by a qualified accountant who has carried client confidentiality for a living. It is the starting point, not a setting.

No lock-in

The books stay theirs

It is your data and your client's, not ours to hold hostage. Export any client's books whenever you want, in formats you can actually use elsewhere.

§ 09 · All baked in

Bank statement in.
Filed accounts out.

Here is the part that is hard to believe. Every automation we built to beat the rest of your software stack is native inside IQ Books. One client goes from a bank statement to finished year-end accounts without leaving the workflow, and without you doing the bookkeeping in between. One login, one subscription, the whole job.

§ IQ Books

The ledger it all runs on.

The books that keep themselves, with the four automations below working natively on top. One place for the whole client, start to finish.

you are here Baked in · CodeIQ

Does the bookkeeping.

The intelligent bookkeeper that codes the bank, sorts VAT and matches invoices in minutes. Replaces Dext, LinkMyBooks and an afternoon of manual coding, in one step.

How CodeIQ works → Baked in · ReconcileIQ

Ties out the bank.

Reconciles the bank to the books and finds what does not match, on every statement. The rec done for you, not a column you tick by hand.

How ReconcileIQ works → Baked in · LedgerIQ

Turns it into advice.

Once the books are kept, 40+ analysis modules turn them into a board-ready story, with RiQ writing the commentary. The advisory upsell, ready off your own ledger.

How LedgerIQ works → Baked in · PrepIQ

Produces the year-end.

This is the one. PrepIQ builds the full working papers set and the year-end accounts straight from the same ledger. Accounts production, automated, in the workflow.

How PrepIQ works → One subscription

The whole job, one login.

Five products, one RiQ, one price. Reconcile, code, analyse and prepare — all native on the ledger.

Request early access →

From the first bank line to the filed accounts, one platform, one subscription. The stack you cobble together today, replaced and automated. See the whole suite.

§ 10 · Common questions

Frequently asked.

Everything you need to know about IQ Books. Anything missing, email [email protected].

Will it actually get my clients' coding right?
It codes the bank, sorts the VAT, matches invoices to payments and pairs transfers, learning each client's chart of accounts and your past corrections as it goes, so it improves every time you fix something. It is also honest about what it does not know: ambiguous items are flagged rather than guessed. And you are never handed a finished set you did not check.
Do I still review the work?
Always. Nothing is final until you confirm it. RiQ, the bookkeeper built into IQ Books, flags anything it is unsure of rather than guessing, and it never invents a figure to make something balance. It is your name on the accounts, so the last word is always yours.
How much time does it really save?
A client's routine month, the kind that takes an afternoon by hand, is done in a few minutes, because the coding, VAT, matching and reconciling have all happened before you open the file. Your time goes on reviewing and advising instead of keying transactions. Most practices use that to take on more clients without hiring.
What does it cost per client?
Your client books are included in your plan rather than charged per seat. A practice provisions a ledger for each client from one subscription, instead of paying an incumbent around £15 a client every month while still doing the bookkeeping itself.
Do I have to move my clients off Xero or QuickBooks?
No. You can import a client's books from Xero, QuickBooks, Sage or Pandle whenever you are ready, or keep them on their current platform and add the same bookkeeper on top through CodeIQ. Move at your own pace, one client at a time, with no lock-in either way.
Does it handle VAT and MTD?
In full. VAT is set as it codes, including reverse charge, postponed import VAT and the domestic reverse charge, and the VAT return is built as you go and filed directly under Making Tax Digital. The ledger underneath is immutable and each period locks once it is filed, so a submitted return always ties back to the books behind it. Multi-currency clients are handled too, at live rates.
Can I just talk to it?
Yes. Hold the space bar and ask RiQ out loud — pull a figure, code a batch, explain an entry or jump to a client — and it does it and answers back. The whole platform is there by voice when your hands are full.
How do I get access?
IQ Books is in private beta for accountants, bookkeepers and practices. Request early access and we will be in touch. It is part of The IQ Suite, alongside ReconcileIQ, CodeIQ, LedgerIQ and PrepIQ, one login across all of them.
§ 11 · Early access

In private beta
for accountants & bookkeepers.

IQ Books is being rolled out in a private beta to accountants, bookkeepers and practices. Request early access and we will be in touch. It is part of The IQ Suite, one login across ReconcileIQ, CodeIQ, LedgerIQ and PrepIQ, all of them baked into the workflow.

Private beta
For accountants, bookkeepers & practices
  • A client's books done in minutes, not an afternoon
  • Coding, VAT, reconciliation and matching, all done for you
  • The whole suite baked in, from the bank to filed accounts
  • A free, full-featured account for every client on your plan
  • You review and sign off, so the books stay yours
Request early access
Not ready to switch?
Keep your platform, add the bookkeeper
  • Stay on Xero, QuickBooks, Sage or Pandle for now
  • CodeIQ does the books and posts them straight back
  • The same bookkeeper that is native to IQ Books
  • Move your clients across whenever it suits you
  • One subscription covers the whole suite either way
Explore CodeIQ →
For practices · client accounts

Give clients the software.
It does your job for you.

Your practice plan includes a free client account for each client: their own login to IQ Books, their own dashboard, the full platform with every automation baked in. Gift it to them. Because it is IQ Books, their books keep themselves, so the client who does their own data entry stops being your worst job and becomes your easiest. By the time it reaches you, the bookkeeping is done. You see it all live from your dashboard, and year-end is half-built before you start.

  • A free, full-featured client account for every client on your plan
  • Their own login and dashboard, not a stripped-down view
  • The automations run for them, so their books stay clean
  • You see every client's books live, from one login
  • Their bookkeeping becomes your review, not your data entry
For accountants & practices →
Maple Joinery Ltd up to date
R. Carter · sole trader up to date
Cedar Cafe Ltd up to date
Dawson Plumbing up to date
their data entry, your finished books
One subscription · five products · one RiQ
Once the books are kept

Books kept.
Now advise.

Because the ledger is always live and correct, LedgerIQ can turn it into board-ready analysis on demand. Forty-plus modules, ratios, trends and anomaly flags, with RiQ writing the commentary. The advisory conversation, ready to have, straight off your own books.

  • 40+ analysis modules: DuPont, Altman Z-Score, CVP, cash flow and more
  • Works with Xero, QuickBooks, Sage and any CSV / Excel GL export
  • Established financial formulae · no black-box guesswork
  • RiQ explains every metric in plain English
  • One-click PDF board packs and Excel data exports
Explore LedgerIQ · included in the suite →
2.4×Current
18.2%ROE
A+Z-Score
38dDSO
£412KQ1 rev
3 flagAnomaly
40+ modules

Stop doing the books.
Start reviewing them.

IQ Books does your clients' bookkeeping, ties out the bank, turns the ledger into advice and produces the year-end accounts, all in one workflow. Your time goes on the work that pays. The self-running alternative to Xero, QuickBooks and Sage, in private beta now.
Request early access See how it compares Private beta · import your books or keep both