diff --git a/compiler/fir/checkers/src/org/jetbrains/kotlin/fir/analysis/checkers/declaration/FirExpectConsistencyChecker.kt b/compiler/fir/checkers/src/org/jetbrains/kotlin/fir/analysis/checkers/declaration/FirExpectConsistencyChecker.kt
index 7bfbda68d24..972e70fee8d 100644
--- a/compiler/fir/checkers/src/org/jetbrains/kotlin/fir/analysis/checkers/declaration/FirExpectConsistencyChecker.kt
+++ b/compiler/fir/checkers/src/org/jetbrains/kotlin/fir/analysis/checkers/declaration/FirExpectConsistencyChecker.kt
@@ -23,10 +23,7 @@ object FirExpectConsistencyChecker : FirBasicDeclarationChecker() {
         val source = declaration.source ?: return
         if (source.kind is KtFakeSourceElementKind) return
 
-        val isTopLevel = context.containingDeclarations.size == 1
         val lastClass = context.containingDeclarations.lastOrNull() as? FirClass
-        val isTopLevelOrInsideClass = isTopLevel || lastClass != null
-
         if (declaration is FirAnonymousInitializer) {
             if (lastClass?.isExpect == true) {
                 reporter.reportOn(source, FirErrors.EXPECTED_DECLARATION_WITH_BODY, context)
@@ -42,7 +39,7 @@ object FirExpectConsistencyChecker : FirBasicDeclarationChecker() {
             reporter.reportOn(delegatedConstructor.source, FirErrors.EXPECTED_CLASS_CONSTRUCTOR_DELEGATION_CALL, context)
         }
 
-        if (isProhibitedPrivateDeclaration(declaration, isTopLevelOrInsideClass)) {
+        if (isProhibitedPrivateDeclaration(declaration)) {
             reporter.reportOn(source, FirErrors.EXPECTED_PRIVATE_DECLARATION, context)
         }
 
@@ -64,8 +61,8 @@ object FirExpectConsistencyChecker : FirBasicDeclarationChecker() {
         return null
     }
 
-    private fun isProhibitedPrivateDeclaration(declaration: FirMemberDeclaration, isTopLevelOrInsideClass: Boolean): Boolean {
-        return isTopLevelOrInsideClass && declaration !is FirConstructor && Visibilities.isPrivate(declaration.visibility)
+    private fun isProhibitedPrivateDeclaration(declaration: FirMemberDeclaration): Boolean {
+        return declaration !is FirConstructor && declaration !is FirPropertyAccessor && Visibilities.isPrivate(declaration.visibility)
     }
 
     private fun isProhibitedDeclarationWithBody(declaration: FirMemberDeclaration): Boolean {
diff --git a/compiler/testData/diagnostics/tests/multiplatform/headerClass/privateMembers.fir.kt b/compiler/testData/diagnostics/tests/multiplatform/headerClass/privateMembers.fir.kt
index 5ffa533791a..a15edc42525 100644
--- a/compiler/testData/diagnostics/tests/multiplatform/headerClass/privateMembers.fir.kt
+++ b/compiler/testData/diagnostics/tests/multiplatform/headerClass/privateMembers.fir.kt
@@ -1,21 +1,27 @@
 // MODULE: m1-common
 // FILE: common.kt
 
-expect class A {
+expect class A private constructor() {
     <!EXPECTED_PRIVATE_DECLARATION!>private<!> fun foo()
     <!EXPECTED_PRIVATE_DECLARATION!>private<!> val bar: String
     <!EXPECTED_PRIVATE_DECLARATION!>private<!> fun Int.memExt(): Any
 
     <!EXPECTED_PRIVATE_DECLARATION!>private<!> class Nested
+
+    var baz: Any?
+        private set
 }
 
 // MODULE: m1-jvm()()(m1-common)
 // FILE: jvm.kt
 
-actual class A {
+actual class A actual private constructor() {
     private fun foo() {}
     private val bar: String = ""
     actual private fun Int.memExt(): Any = 0
 
     actual private class Nested
+
+    actual var baz: Any? = null
+        private set
 }
diff --git a/compiler/testData/diagnostics/tests/multiplatform/headerClass/privateMembers.kt b/compiler/testData/diagnostics/tests/multiplatform/headerClass/privateMembers.kt
index a65a463e451..567ba541dd6 100644
--- a/compiler/testData/diagnostics/tests/multiplatform/headerClass/privateMembers.kt
+++ b/compiler/testData/diagnostics/tests/multiplatform/headerClass/privateMembers.kt
@@ -1,21 +1,27 @@
 // MODULE: m1-common
 // FILE: common.kt
 
-expect class A {
+expect class A private constructor() {
     <!EXPECTED_PRIVATE_DECLARATION, EXPECTED_PRIVATE_DECLARATION{JVM}!>private<!> fun foo()
     <!EXPECTED_PRIVATE_DECLARATION, EXPECTED_PRIVATE_DECLARATION{JVM}!>private<!> val bar: String
     <!EXPECTED_PRIVATE_DECLARATION, EXPECTED_PRIVATE_DECLARATION{JVM}!>private<!> fun Int.memExt(): Any
 
     <!EXPECTED_PRIVATE_DECLARATION, EXPECTED_PRIVATE_DECLARATION{JVM}!>private<!> class Nested
+
+    var baz: Any?
+        private set
 }
 
 // MODULE: m1-jvm()()(m1-common)
 // FILE: jvm.kt
 
-actual class A {
+actual class A actual private constructor() {
     private fun <!ACTUAL_MISSING!>foo<!>() {}
     private val <!ACTUAL_MISSING!>bar<!>: String = ""
     actual private fun Int.memExt(): Any = 0
 
     actual private class Nested
+
+    actual var baz: Any? = null
+        private set
 }
diff --git a/compiler/testData/diagnostics/tests/multiplatform/headerClass/privateMembers.txt b/compiler/testData/diagnostics/tests/multiplatform/headerClass/privateMembers.txt
index 757cf07da64..51e2606cb1b 100644
--- a/compiler/testData/diagnostics/tests/multiplatform/headerClass/privateMembers.txt
+++ b/compiler/testData/diagnostics/tests/multiplatform/headerClass/privateMembers.txt
@@ -2,7 +2,9 @@
 package
 
 public final expect class A {
+    private constructor A()
     private expect final val bar: kotlin.String
+    public expect final var baz: kotlin.Any?
     public open override /*1*/ /*fake_override*/ fun equals(/*0*/ other: kotlin.Any?): kotlin.Boolean
     private final expect fun foo(): kotlin.Unit
     public open override /*1*/ /*fake_override*/ fun hashCode(): kotlin.Int
@@ -20,8 +22,9 @@ public final expect class A {
 package
 
 public final actual class A {
-    public constructor A()
+    private constructor A()
     private final val bar: kotlin.String = ""
+    public actual final var baz: kotlin.Any?
     public open override /*1*/ /*fake_override*/ fun equals(/*0*/ other: kotlin.Any?): kotlin.Boolean
     private final fun foo(): kotlin.Unit
     public open override /*1*/ /*fake_override*/ fun hashCode(): kotlin.Int