Sum and Substance

At Sum and Substance, we take bookkeeping beyond compliance. From accurate day-to-day accounts and BAS-ready reporting to cash-flow insights, forecasting and Virtual CFO support, we give business owners the financial clarity to make better decisions.

Less time managing the books.
More time building the business.

✓ Bookkeeping, Payroll, AP & AR
✓ BAS & audit-ready reporting
✓ Cash-flow & KPI insights
✓ Budgeting & forecasting
✓ Virtual CFO support
✓ Xero & MYOB Certified
✓ Fixed-fee solutions

If you’re a business owner looking for stronger financial visibility and a finance partner who understands growth, let’s talk.

Book your free initial consultation.

📞 0422 203 333
✉️ [email protected]

Love this!

Wishing you a very Merry Christmas. We will be closing at 5pm today, reopening on Wednesday, 7th Jan.

Have a safe and amazing break 🥰

Having us look after your payroll and compliance might just be the best gift you could give yourself for 2026! We take the stress away and give you the time back to do what you love, whilst you know everything is taken care of correctly and on time.

Get in touch if you want to know more - would love to chat.

💕 Another 5 star review for our service! Always very proud of these. ⭐⭐⭐⭐⭐

With so many systems out there, it can be hard to know what will work best for you. We provide advice based on your needs to ensure you are only using and paying for the best systems for your business. We have tried and tested so many over the years so no matter what your business does or size, we got you! Get in touch to see how we can help.

➡➡➡

⭐⭐⭐⭐⭐