Your Umbrella’s Tax Debt Can Become Your Debt
Joint and Several Liability is a reality. The only way to be 100% safe is to verify every payment. We let you trace every penny from invoice to HMRC receipt.
Instant demo access. No setup required.
The “Black Box” Risk
In the Joint and Several Liability era, simply trusting your umbrella partner isn’t enough. If an umbrella company fails to pay the correct tax, that debt can transfer to your agency.
Right now, most agencies rely on monthly PDF certificates to prove compliance. But those documents only reveal what partners choose to disclose — and they arrive weeks after the transactions have taken place.
A PDF can’t tell you whether funds are actually in the bank. We can.
Static PDF Certificates
Only show what partners choose to disclose. Arrive weeks after the fact.
No Fund Verification
Cannot verify that actual funds are ring-fenced for HMRC payments.
Our Transparency Dashboard
Real-time, live data from HMRC, auditors, and our banking API — verified every day.
See What Our Dashboard Looks Like
This is what hiring partners see when they log in. Real data, real-time, no guesswork.
Fully Compliant & Certified
Real-time compliance dashboard showing live data from HMRC, SafeRec, and segregated banking.
100%
HMRC RTI Filing
Up to date
100%
SafeRec Verified
All recent payroll verified
109%
Tax Account
Fully covered, funds OK
Active
FCSA Certified
Accreditation valid
Live Banking Transparency
Most competitors conceal their banking practices. We use open banking to show you exactly where the money is.
P32 Payroll Filing Summary
Monthly PAYE/NIC liability for tax year 2025/2026
Current P32 Liability
Accrued balance for current tax year
£284,588.59
Next Scheduled Payment: HMRC Direct Debit 22 Feb 2026
Dedicated HMRC Payroll Funds Account
Live view of a dedicated Revolut business account keeping PAYE and NIC funds fully reserved for HMRC.
Account Number
S3461994
Sort Code: 23-01-20
Sufficient funds available for all outstanding HMRC payments
£310,913.71
109.3% Coverage
Last 10 Transactions
| Date | Transaction | Status | Amount | Balance |
|---|---|---|---|---|
| 13 Feb 2026 | Bank Transfer from Business Account | Authorised | +£23,000.00 | £310,913.71 |
| 12 Feb 2026 | Bank Transfer from Business Account | Authorised | +£23,000.00 | £287,913.71 |
| 09 Feb 2026 | Bank Transfer from Business Account | Authorised | +£23,000.00 | £264,913.71 |
| 06 Feb 2026 | Bank Transfer from Business Account | Authorised | +£23,000.00 | £241,913.71 |
| 05 Feb 2026 | Bank Transfer from Business Account | Authorised | +£23,000.00 | £218,913.71 |
| 26 Jan 2026 | Bank Transfer from Business Account | Authorised | +£23,000.00 | £195,913.71 |
| 23 Jan 2026 | Bank Transfer from Business Account | Authorised | +£23,000.00 | £172,913.71 |
| 23 Jan 2026 | Month 9 PAYE NIC Payments | Authorised | -£218,548.01 | £149,913.71 |
| 21 Jan 2026 | Bank Transfer from Business Account | Authorised | +£23,000.00 | £349,453.71 |
Independent Verification
Multiple layers of independent checks so you never have to rely on our word alone.
FCSA Accreditation
Certified member since July 2020. Current accreditation valid to 30 November 2026.
FCSA Certified Umbrella Worker Member
No Worries Red Umbrella Ltd is a certified member of the Freelancer & Contractor Services Association (FCSA), the UK’s leading professional body for umbrella companies and contractor service providers.
SafeRec Payroll Verification
Independent payroll cross-checking on every pay run.
Independent Payroll Cross-Checking
SafeRec independently cross-checks every payroll run we process, providing a second layer of assurance that pay calculations, tax deductions and employer contributions are accurate.
HMRC RTI Submissions
Last 6 submissions all accepted by HMRC with SafeRec cross-verification.
All 6 submissions accepted by HMRC and processed by SafeRec
Independent Annual Audits
Independently audited by Jones Hunt Keelings for complete peace of mind.
Auditor
Jones Hunt Keelings
FCSA Assessed By
BDO UK & JMW Solicitors LLP
Accreditation Valid Until
30 November 2026
Share Compliance Evidence
Whether you’re facing a client tender, an audit, or a routine check — share our compliance status instantly.
Generate Live Trust Receipt
Create a secure, time-limited link (valid for 7 days) so hiring partners can view our live dashboard without needing to log in.
Links are read-only and automatically expire after 7 days for security.
Download Trust Report
Instantly download a comprehensive PDF pack including RTI filings, P32 summary, segregated account transactions, and FCSA accreditation certificate.
Report includes auditor details, submission logs, and regulatory submissions.
Eliminate Your Supply Chain Risk
Join the forward-thinking agencies using the No Worries Red Umbrella portal to save time and reduce risk.