PM+M

What PM+M does

PM+M is a chartered accountancy and business advisory firm headquartered in Blackburn, Lancashire, United Kingdom, founded in 1919. The firm operates through a multi-entity group structure led by PM+M Solutions For Business LLP, with wholly-owned subsidiaries covering corporate finance (PM+M Corporate Finance Limited), FCA-regulated financial planning (PM&M Financial Planning Ltd, FCA number 459324), and mortgage services (PM+M Mortgages, established via the 2024 acquisition of Ribble Valley Mortgages). PM+M serves two primary client segments: SMEs and business owners across Lancashire and the North West of England, and individuals/private clients requiring financial planning, tax, and wealth management services.

The firm's service portfolio spans nine integrated product lines: Audit, Accounting and Advisory; Cloud Accounting (delivered through Xero specialist capabilities and integrations with Dext, ApprovalMax, Fluidly, Futrli, and GoCardless); Corporate Finance (M&A advisory, MBOs/MBIs, EOT transactions); Payroll; Business Tax (including R&D tax credits); Private Client Tax; Financial Planning (pensions, investments, lifetime cashflow planning, Court of Protection, workplace save+protect, mortgages); and Probate and Legal Services. Proprietary infrastructure includes the Docsafe client document portal and a dedicated Financial Planning client portal. The Virtual Finance Office (VFO), launched in 2024, provides outsourced managed finance functions as an alternative to in-house finance teams.

Revenue is generated through fee-based professional services engagements, recurring financial planning and cloud accounting subscriptions, and transactional corporate finance fees. The firm operates from three offices in Blackburn, Bury, and Burnley, complemented by Praxity international alliance membership for cross-border mandates. Reported turnover stands at £10.75 million with 15% year-on-year growth (record level), with the firm ranked among the UK Accountancy Age Top 100 for six consecutive years and ranked 4th in the Top 50 SME Apprenticeship Employers 2025. The firm is privately held with no external parent, PE, or VC investment identified.

Name

PM+M

Legal name

PM+M Solutions For Business LLP

Website

https://pmm.co.uk

Company type

Private

Founded year

1919

Operating status

Operating

Headcount range

101–250 employees

Short description

PM+M is a Lancashire-based chartered accountancy and business advisory firm serving SMEs, individuals, charities, and sector-specialist clients (legal, agricultural, manufacturing) across North West England through integrated audit, tax, cloud accounting, corporate finance, financial planning, and probate services.

Ownership category

akta.pro rank

Headquarters

HQ city

Blackburn

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Professional Services - Audit, Accounting and Advisory: Fee-based professional services including audit, annual accounts, tax returns, company secretarial, and forecasting. Delivered through qualified chartered accountants and specialists.
2. Financial Planning Services: Ongoing financial planning, wealth management, and mortgage services generating recurring revenue from private clients and individuals.
3. Corporate Finance: Transaction-based services including M&A advisory, business sales, acquisitions, and raising finance for clients.
4. Cloud Accounting and Payroll: Ongoing bookkeeping, finance outsourcing, payroll processing, and cloud accounting services generating recurring fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

PM+M is a chartered accountancy and business advisory firm providing integrated professional services including audit, statutory accounts, tax compliance and planning, cloud-based bookkeeping and finance outsourcing, payroll, corporate finance (M&A, MBOs, EOTs), financial planning and wealth management, mortgages, and probate services. The firm sells these to SMEs, individuals, charities, law firms, and agricultural and manufacturing businesses primarily across Lancashire and the wider North West of England.

Product overview

PM+M is a chartered accountancy and business advisory firm offering integrated professional services. The firm operates as a unified platform combining multiple service lines: Audit, Accounting and Advisory forms the core audit and compliance offering; Cloud Accounting provides technology-enabled bookkeeping and finance functions using Xero and related tools; Corporate Finance handles M&A and business sales; Payroll manages employment and pension compliance; Business Tax and Private Client Tax address corporate and personal tax obligations; Financial Planning covers pensions, investments, and estate planning; and Probate and Legal Services handles estate administration. The product portfolio was expanded in 2024 through acquisition with the addition of PM+M Mortgages (formerly Ribble Valley Mortgages) for mortgage and protection services. Supporting infrastructure includes proprietary client portals (Docsafe and Financial Planning client portal) and the Virtual Finance Office managed service. The firm has established partnerships with technology platforms including Xero (certified specialist), Dext, GoCardless, Fluidly, and ApprovalMax to deliver cloud-based services.

Differentiator

Problem solved

Functional benefit

Brands

• PM+M Financial Planning: Wealth management and financial planning services including pensions, investments, tax and estate planning, lifetime cashflow planning, protection, Court of Protection, and workplace save + protect
• PM+M Corporate Finance
• PM+M Mortgages
• Docsafe
• Virtual Finance Office (VFO)
• Positive Impact

Products and services

• Audit, Accounting and Advisory Core audit and accounting services including statutory audits, annual accounts preparation, tax returns, company secretarial support, and forecasting and business planning. Designed for SMEs, owner-managed businesses, and corporates requiring statutory and advisory support.
• Cloud Accounting Cloud-based accounting services using the Xero platform, including finance support and outsourcing, financial reporting, bookkeeping, VAT compliance, cash projections, cloud system design and conversions, Xero specialist services, and Making Tax Digital support. Targeted at SMEs and growing businesses transitioning from traditional accounting to cloud-based finance functions.
• Corporate Finance M&A advisory including management buy-ins and buy-outs, business acquisition and sale support, finance raising, strategic planning, Employee Ownership Trust (EOT) transactions, and deal sourcing. Delivered by PM+M Corporate Finance Limited for SMEs, owner-managed businesses, and corporate clients across the North West.
• Payroll Payroll processing and advice, workplace pensions auto-enrolment, employment tax health checks, and payroll year-end services. Provided to employers and SMEs as a recurring outsourced service.
• Business Tax Business tax compliance and planning, employment taxes, research and development tax credits, tax investigation support, VAT advisory, and international tax services. Targeted at SMEs, owner-managed businesses, and corporates with complex tax positions.
• Private Client Tax Personal tax compliance and planning, succession planning, and estate planning services for high net worth individuals, families, and professionals. Sits alongside Private Client services in the firm's individual offering.
• Financial Planning Comprehensive financial planning including pensions, investments, tax and estate planning, lifetime cashflow planning, protection, Court of Protection work, and workplace save and protect programmes. Delivered through FCA-authorised PM&M Financial Planning Ltd for individuals, families, and corporate clients (workplace programmes).
• Probate and Legal Services Probate services, Lasting Powers of Attorney, and estate and inheritance tax planning. Targeted at executors, families, and individuals requiring post-death estate administration and lifetime legal planning.
• PM+M Mortgages Mortgage advisory services including mortgage advice, insurance products, and protection services for individuals seeking home purchases and remortgages. Operated through PM+M Mortgages Ltd as an Appointed Representative of The Right Mortgage Ltd, FCA authorised. Mark Chadwick, founder of the acquired Ribble Valley Mortgages, joined PM+M as a director to lead the offering.
• Virtual Finance Office (VFO) A managed outsourced finance function service for growing businesses, providing an alternative to building an in-house finance team. Uses cloud accounting technology (Xero and related tools) to deliver ongoing bookkeeping, reporting, and finance leadership on a subscription basis.

Quantifiable outcome

• Record turnover of £10.75 million with 15% year-on-year growth
• +2 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Partnerships

Six partnerships are on record, tiered core and minor.

• PraxitycoreStrategic or Co-development PartnerInternational alliance of accounting firms with record global revenues of US$10.9 billion. Enables PM+M to serve international clients through a global network and participate in knowledge sharing across member firms.
• XerocoreTechnology or IntegrationXero is a cloud accounting software platform partner. PM+M is a Xero specialist offering health checks, training, and cloud system design and conversions. Hosts joint events like StackedX to help businesses scale with Xero.
• CapitaliseminorGTM or Marketing PartnerPartnership to help businesses find the right funding. PM+M professionals appear in videos promoting the Capitalise platform for business credit score management and funding discovery.
• Empirical TaxminorStrategic or Co-development PartnerPartnership for R&D tax specialist services. Collaborative podcast series 'R&D Hot Topics' discussing research and development tax matters.
• CFO TechstackminorGTM or Marketing PartnerJoint events partnership to host North West StackedX events helping finance teams scale smarter with modern technology.
• The Right Mortgage LtdcoreChannel Partner/ Reseller/ DistributorPM+M Mortgages Ltd is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. FCA number 459324.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Azets: UK-focused top-10 accountancy group offering audit, tax, advisory, wealth management, and payroll to SMEs and mid-market clients. Directly comparable as a multi-service UK firm pursuing acquisition-led growth.
• MHA (formerly MacIntyre Hudson): Top-20 UK accountancy and advisory group with similar regional roots, audit, tax, corporate finance, and wealth management offerings serving SMEs and owner-managed businesses.
• PKF Smith Cooper: Mid-tier UK chartered accountancy firm providing audit, tax, advisory, corporate finance, and wealth management to SMEs and HNW individuals, with a similar regional UK footprint.
• Crowe UK: UK member of Crowe Global, offering audit, tax, advisory, corporate finance, and wealth services to SMEs and owner-managed businesses across regional UK offices.
• Haines Watts: UK top-20 chartered accountancy group focused on SMEs, owner-managed businesses, and individuals, with audit, tax, advisory, and wealth services—comparable size and client mix to PM+M.
• Saffery Champness: Top-20 UK chartered accountancy firm with particularly strong private client, HNW, and wealth management capabilities alongside audit and tax—closely mirrors PM+M's HNW financial planning emphasis.
• Moore UK: UK member of Moore Global, providing audit, tax, advisory, and corporate finance to SMEs and mid-market clients. Similar mid-tier UK profile and Praxity-style international affiliation.

Broad incumbents

• RSM UK: Mid-tier UK audit, tax, and consulting firm with national reach and broader international footprint. Comparable service lines but materially larger scale than PM+M.
• BDO UK: Major UK audit, tax, and advisory firm with national presence and full mid-market to large-cap capability. Overlapping services but significantly larger scale and broader geographic reach.
• Forvis Mazars UK: Major international audit, tax, and advisory firm with significant UK presence across audit, advisory, and wealth—comparable service breadth but substantially larger scale than PM+M.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/pmm_acc
• Facebookfacebook.com/PMMAccountants
• LinkedInlinkedin.com/company/pm-m-solutions-for-business-llp
• Instagraminstagram.com/pmm_accountants

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about PM+M