The UK contractor toolkit. Live rate cards, golden pay optimisation, IR35 risk scoring, and FCSA-verified umbrella directory — everything in one place, free.
How Belle Works
Belle handles the complexity so you can focus on the work.
Your sector, rate, contract type, IR35 preference. 60 seconds. No account required.
FCSA status, fee structures, IR35 track record, HMRC compliance history — verified and matched to your criteria.
Three matched umbrellas, your IR35 risk score, and a plain-English summary. No jargon, no sales calls.
The Rate Card
HMRC-approved rates, sector benchmarks, and umbrella margins — updated each tax year. Bookmark this page.
London/SE weighted averages · 2025–26
HMRC · Tax year 2025–26
Belle benchmark data · 2025–26
Quick Reference
Day rate × 220 days = annual equivalent before tax and umbrella costs
Golden Pay
Umbrella, LTD, inside or outside IR35 — the difference on a £400/day contract can be over £15,000 a year. Golden Pay shows the optimum structure for your rate, situation, and risk profile. No jargon. No upsell.
Example: £400/day · IT contractor · 220 days
Illustrative · 2025–26 tax rates · full interactive calculator coming soon
The Directory
Every listing independently checked. Compliance data updated monthly.
One of the UK's largest — all sectors
Finance, engineering & professional services
Tech & IT contractors — transparent pricing
Healthcare, education & public sector
Construction, rail & infrastructure
Independent, family-run — all sectors
IR35 Risk Check
Seven questions. Sixty seconds. Belle scores your contract against HMRC's seven status tests and tells you exactly where you stand — in plain English, not legalese.
Informational only — not tax or legal advice. For borderline determinations, consult a qualified IR35 specialist.
Sample result
Contract: Tech Lead
6-month engagement, financial services
Amber: Negotiate two clauses
Control and MOO clauses need review. Belle recommends 2 umbrellas with strong IR35-inside track records for this sector.
Global Workforce Compliance
IR35 is the domestic compliance problem. EOR and AOR services handle the global ones — permanent establishment risk, worker misclassification, and country-specific payroll obligations.
The EOR becomes the legal employer of your worker in their country. They handle local payroll, employment taxes, statutory benefits, and labour law compliance. You retain day-to-day management. No legal entity required.
The AOR sits between your business and your independent contractors globally. They handle contractor agreements, cross-border payments, insurance, and worker classification compliance. The contractor stays self-employed — but the risk is managed.
EOR & AOR Provider Directory
Coverage, pricing, and compliance credentials — independently reviewed.
150+ countries · EOR, AOR & global payroll
180+ countries · IP protection focus
160+ countries · UK-headquartered
187 countries · enterprise-grade
EU & UK specialist · 30+ countries
180+ countries · remote-first
Compliance Landscape
Your legal team will know these. Your hiring manager probably doesn't.
A worker operating in another country can create an inadvertent PE — triggering corporate tax liability in that jurisdiction. EOR removes the nexus by being the legal employer, not you.
What you call a contractor, local law may treat as an employee — triggering backdated employment rights, tax, and fines. AOR manages classification at the contract level so the risk sits with the platform, not you.
Every country runs different payroll tax rates, social contribution rules, and reporting deadlines. EOR handles this in-country — you pay one invoice in your currency and stay out of local tax filings entirely.
Processing employee data across borders requires lawful transfer mechanisms — SCCs, adequacy decisions, or BCRs. EU/UK-based EOR providers hold the appropriate legal instruments as part of their service.
Sending UK staff temporarily to EU countries post-Brexit triggers posting obligations — notification requirements, local minimum wage rules, and social security routing. EOR or specialist advice is required for assignments over 12 months.
Belle's compliance check maps your situation to the right product — domestic umbrella, AOR, or EOR — depending on where your workers are and how they're engaged.
For Recruiters
Belle tracks which umbrellas your candidates actually use — and flags the ones that could expose you to a compliance risk.
Get alerted the moment an umbrella on your PSL is investigated by HMRC, loses FCSA status, or raises a Companies House flag.
Know which umbrellas are earning their PSL position on merit — and which are buying their way in with merchandise and hospitality.
Compare your preferred suppliers against the market. Are your contractors getting the best deal — or just the most visible one?
Recruiter agency access — launching Q3 2026
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Umbrella compliance news, IR35 updates, and HMRC changes — curated weekly. No noise.
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