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Est. 2012 · Newport · Cardiff · Bristol · London

Specialist finance for
charities.

Independent examinations, CQC ready care accounts, SPV property structures and growing business advisory, with plain English clarity and a team that knows your name. Led by Brian Smartt.

Brian Smartt and the BFS Associates team
Speak to the teamSenior advice without handoffs
MLR registeredA practice built on proper checks
Sector readyCharity, care and property finance
Clear next stepsReports you can act on
We work toCharities SORP 2026FRS 102Gift Aid / HMRCCIW & CQCIndependent Examination
What we do

Six specialisms. A team that knows your name.

How we work

Simple to start. Built to last.

01

A free first conversation

Tell us where you are and what you need. No jargon, no obligation, just a clear, honest read.

02

A plan built around you

A service shaped to your sector, size and goals, never a generic package.

03

An ongoing partnership

Proactive advice and reliable reporting, with Brian and his team on the end of the phone when you need them.

Who we are

A specialist practice, personally led.

BFS Associates was founded by Brian Smartt to bring genuine specialist expertise to the sectors that need it most. You work with Brian and a small, dedicated team, never a faceless account roster shuffled between you.

IntegrityExcellenceProfessionalismStewardshipPartnershipInnovation
Brian Smartt, Founder of BFS Associates

“Good finance is not about more spreadsheets. It is about giving you the clarity and confidence to focus on the work that matters.”

Brian Smartt

Founder & Principal, BFS Associates Ltd

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Years in practice

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Organisations served

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Specialist services

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Cities served

Google Reviews

Trusted across Wales and beyond.

5.0

Based on 12 Google reviews

Sarah M.

March 2025

Brian's expertise in independent examinations and Gift Aid has saved us real time and given our trustees total confidence in the numbers. Highly recommend to any charity in Wales.

Charity Treasurer, Newport

David R.

January 2025

BFS got us to full CIW financial compliance and set up accounts that finally give us real visibility. His knowledge of the care sector is outstanding. I wouldn't go anywhere else.

Care Home Director, Cardiff

James T.

November 2024

Professional, responsive and genuinely expert. BFS gave us the financial clarity we needed to expand our portfolio with confidence. Brian is exactly the kind of specialist you want on your side.

Property Investor, Bristol

Amanda C.

October 2024

Clear, patient and very thorough. BFS helped us understand our reporting duties and made the year end process much less stressful for our trustees.

Church Treasurer, Cardiff

Michael H.

August 2024

The team understood the care sector straight away. The management accounts and cashflow work gave us a much better grip on staffing costs and funding.

Care Provider, Newport

Rachel P.

June 2024

BFS explain things in plain English and respond quickly. We finally have reports that help us make decisions instead of just meeting deadlines.

Business Owner, London

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Let’s talk about your numbers.

Book a free, no obligation consultation with Brian, and find out what specialist finance feels like.