Bookkeeper vs Accountant: What’s the Difference – and Which Does Your Business Need?

Kirsty Charles, Bookkeeper, Bernard Rogers & Co

As a small business owner or self-employed professional, you're already wearing many hats - marketing, sales, customer service, and more. When it comes to your finances, though, it's essential to have the right support in place.

One of the most common questions we hear at Bernard Rogers& Co is:
‍
“What’s the difference between a bookkeeper and an accountant…and which one do I need?”

The short answer? They both play crucial roles, but indifferent ways.

Let’s break it down.

What Does a Bookkeeper Do?
‍A bookkeeper focuses on the day-to-day financial transactions of your business. Think of them as the person keeping your financial engine running smoothly and accurately.

Typical tasks include:

• Recording income and expenses
• Reconciling bank statements
• Managing accounts payable and receivable
• Organising receipts and invoices
• Processing payroll (in some cases)
• Generating basic financial reports

Their job is to keep accurate, up-to-date financial records so you always know where your business stands—and your accountant has reliable data to work from.

Ideal for: Business owners who need help staying organised, tracking cash flow, and preparing for tax season.

What Does an Accountant Do?
‍An accountant takes a more strategic and analytical role. They use the financial data (often maintained by a bookkeeper) to interpret, advise, and plan. Accountants are qualified professionals who can help you seethe bigger picture and make informed financial decisions.

Key services include

• Preparing and filing tax returns
• Providing financial and business advice
• Analysing trends and performance
• Advising on tax efficiency and allowable expenses
• Preparing year-end accounts and reports
• Supporting  business growth and financial planning
• Ensuring compliance with HMRC and Companies House

Our Client Managers also support with choosing the right business structure, plan for succession, and navigate financial challenges.

Ideal for: Business owners who want strategic guidance, compliance support, and tax-saving advice.

Do I Need Both?
‍In many cases, yes - especially as your business grows.

A bookkeeper can keep your records clean and current, which saves your accountant time (and you money) when it’s time to do your accounts or tax returns. The two roles complement each other, giving you the best of both worlds: clarity in your day-to-day finances and confidence in your long-term strategy. In many cases, the distinction between a bookkeeper and an accountant is not significant - both play a crucial role in the running of a business.

At Bernard Rogers & Co, we offer flexible bookkeeping and accountancy services tailored to your business size and sector. Whether you need ongoing support, year-end expertise, or both, we’re here to help you stay compliant, grow confidently, and make informed decisions.

Ready to Simplify Your Finances?
‍If you're unsure whether you need a bookkeeper, an accountant, or both, we’re happy to help. Let’s have a conversation about where your business is now, and where you want it to go.