Why CRUMB Works

Simplicity, efficiency, personality.... there are 3 very good reasons why CRUMB. works! An obsession with getting it right means that you will be in very safe hands with our team here at CRUMB.

Getting Started

Once you have made that decision to head down the freelancing path, it is all about working out whether you wish to use your own Limited Company or to use an umbrella company, such as CRUMB. We believe that there are a number of factors which you should consider in coming to any decision. The 4 critical factors which would sway your decision to use an umbrella company are as follows:

  1. Length of your contract: Very short term contracts of under 3 months
  2. Rate of Pay: If your rate of pay is anything under £15 / hour (or daily equivalent)
  3. A contract deemed to fall under the off-payroll rules (IR35) as determined by your client
  4. Personal Preference: You may just decide to avoid the need to set up your own limited company and allow CRUMB. to take care of all your payroll needs
  5. Disqualification: It is very rare but you may have been disqualified from running your own limited company for any number of reasons

Note: If you find that none of the above are relevant and that you would therefore prefer to explore using your own limited company, please give our sister company, The Accounting Crew, a buzz. They can be reached on 0203 859 6188 or check out their website at The Accounting Crew. Remember that if you already have a limited company, between CRUMB. and The Accounting Crew, your limited company and your umbrella service requirements will be looked after for a monthly fee of £85 + VAT irrespective of which vehicle you use.

If the Umbrella route is the best for you, then that is where we come in. You can give us a call and we will get things set up and ready for you to start your work within a few hours of getting your go-ahead. We’ll need to get some information about you and the work that you will be doing, details of your agency and your bank details so that we can successfully make payments to you. That is all that is needed to get you on site.

The Process

Getting Paid

This bit couldn’t be simpler….and we know, it is the important bit. The process of getting paid is as follows:

  1. You submit a timesheet to your agency or your client and send us a copy of that by e-mail
  2. We raise an invoice and send that to your agency or client
  3. Your agency or your client will make a payment to CRUMB.
  4. We will deduct all the relevant taxes and pay you your net salary for the week/month directly into your personal bank account
  5. We provide you with a payslip and ensure that your taxes are paid to HMRC

Should you end your contract and choose to move into your own limited company, then we will provide you with a P45 to take along to your new business or employer.

View Our Processes

What’s Included


  • Full set up and contract management
  • Easy and quick set up
  • Low weekly or monthly fee
  • Free of charge if we look after your Ltd Company
  • Same day payments to our clients
  • Fully covered by our insurances
  • All access telephone and video support
  • Face-to-Face meetings at selected venues

As you can see, you will be looked after from start to finish. All that you need to do is contact us and we’ll do the rest. This then leaves you to get on with doing what you do best and working on your contract to keep your client happy.

Setting things up may seem daunting but it doesn’t have to be. We have many years of experience in the industry and are very well-placed to understand exactly what it is you need from us – our aim will be to deliver on everything that you expect.

Once you join us, you will have all matters dealt with quickly and efficiently. Being covered in full by our insurance policies means you can work worry-free. And we know you want to be paid as quickly as possible so we promise to pay you on the same day that we receive your cash from your agency or client. And with the banks adopting the faster payment systems, it means that you will get your cash the same day.

So give us a shout and let’s get started. The privilege will be ours.