Fiaz Ashraf, Founder and CEO of The AFA Group

Clear Start Accountants, part of the AFA Group, is celebrating significant trading success in 2023 and announces ambitious 2024 targets.

With an accountancy service provided by a qualified team of accountants and a monthly budgeting service for individuals and businesses, and through AFA Insolvency individual voluntary arrangements, the AFA Group closes the year with a highly impressive 87.5% uplift in value of sales – rising to a noteworthy £15 million, from £8 million in 2022.

Throughout the year, the business has seen a momentous surge in demand for its pioneering, tech-enabled monthly budgeting initiative, with an increased number of clients benefiting from substantial cost savings each month. The programme and bespoke software, available to customers via an app for the price of a monthly subscription, monitors spending patterns and assists clients in managing their outgoings, with push notifications for savings on monthly expenditure on utilities, insurance policies, petrol, groceries, as well as other everyday products and services.  The customer service team also provides regular reviews of a client’s spending with advice for how they can improve their standard of living.

Significantly, the AFA Group has also expanded its team considerably, offering significant job opportunities within the North West while enlarging the customer-facing team to ensure that the exceptional level of service the firm prides itself on is maintained.


The group has now set an ambitious target for 2024, with the company aiming to achieve a further hike of 30% over the course of the year.

Fiaz Ashraf, Founder and CEO of The AFA Group, including Clear Start Accountants, commented: “As the business continues to grow, we are proud to have supported more and more people with reducing their living costs, particularly during the cost-of-living crisis. It is a pleasure to close the year on an impressive high, and we look forward to 2024 as we continue to innovate and develop our personal budgeting offering to meet the ever-changing needs of the consumer in the current climate.”

With an employee base of over 150 people, and operating from its state of the art, contemporary headquarters in Universal Square, Devonshire Street North, Manchester, as well as from its offices in Stockport and Canada, Clear Start Accountants offers general accountancy services for sole traders and smaller firms, such as HMRC returns as well as its pioneering, tech-enabled, personal budgeting service for both business and private individuals.

Clear Start has helped countless consumers and small businesses in reducing their living costs, with the assistance of their bespoke client software Clear Smart Personal Budgeting App.