Accounting & Tax — Premium Package

Premium includes, every month

• Everything in Growth – record-keeping, cashflow, Health Score, VAT estimate, CFO commentary, month-on-month trends
• Risk detection: possible duplicate payments, expense spikes vs last month, new large suppliers, and large single credits – each flagged with severity
• Customer concentration monitoring with HIGH/MEDIUM warnings when one customer dominates your income
• Tender readiness tracking: your compliance self-declarations tracked monthly, gaps highlighted, plus Public Interest Score and assurance-requirement guidance (audit / independent review / compilation)
• Priority support: 24-hour reply on any question about your report

Who the Premium package is for

Premium is built for an established South African SME that is bidding for tenders, carrying real supplier or customer concentration risk, or heading towards a year-end that will be looked at by a bank, a funder or an organ of state. It is the tier that adds risk intelligence on top of the monthly numbers.

If you only need the monthly management pack and a Health Score, the Growth package covers that. If you are still building a monthly reporting rhythm, begin with the Starter package and move up later.

How the monthly cycle works

1. Upload – you send your bank statement PDF each month. There is no bank login to hand over and no accounting software to migrate.
2. Reconcile – every statement is checked against its own printed closing balance before a single figure is reported. If the variance is more than R0.05, the run stops and is reviewed instead of being published.
3. Classify – transactions are matched against South African merchant patterns first, then against the categories you have already confirmed in earlier months, so accuracy improves the longer you stay.
4. Report – you receive a PDF management pack containing the numbers, the CFO commentary, and the risk, concentration and tender-readiness flags described above.

Every financial figure in your report is calculated by deterministic accounting engines. AI is used only to explain the results in plain language – never to produce the numbers themselves.

Banks, year-end and what happens next

Statement formats differ between South African banks, so check the supported banks page before you subscribe. At year-end, twelve months of Premium reporting feed straight into the AFS-Ready Pack, which assembles the statement of comprehensive income, statement of financial position, equity movement, cash flow, fixed asset register and a readiness score for your practitioner to work from.

Common questions

Do you submit my VAT or income tax returns? No. Premium gives you a VAT estimate and management reporting. Statutory submissions stay with your registered tax practitioner.

Do I have to leave my current accountant? No. Premium is designed to sit alongside them and give you monthly visibility between their engagements.

Can I change tier later? Yes. Compare all three tiers on the pricing page or read the full service overview on the accounting and tax page.

What does it cost? R2,800 per month, billed monthly, cancel any time.

This is a management reporting service, not an audit, review, or tax submission service. Statutory filings remain with your registered practitioner. Tender readiness reflects your self-declared profile; certificates are not independently verified.