CS Accounting & Consultancy

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CS Accounting & Consultancy Smarter tax strategy for businesses & investors ready to build real wealth.

14/09/2026

A loss year does not always have to mean dead money.

From 1 July 2026, eligible companies under $1 billion turnover may be able to carry back revenue losses and offset them against tax paid in the previous 2 years.

That means a loss could potentially create a refund and improve cash flow when the business needs it most.

For growing companies, this matters.

Because sometimes the value is not just in the profit you make later... it is in how the tax rules support you while you build.


12/09/2026

Property investing only works when the rules still leave room to move. Leave structure too late and the tax side can get messy fast.


09/09/2026

Business ownership exposes weak spots you can ignore everywhere else.

The pricing problem shows up. The cash flow pressure shows up. The lack of structure shows up. So does the doubt, the judgement, and the feeling that people do not understand what you are carrying.

That is why growth is not just about doing more work. It is about becoming the person who can handle the next level without breaking under it. The issue is not whether business gets hard. It is whether you keep building when the hard parts start revealing what needs to change.

Follow for more business owner insights.



This one didn't get as much media attention...From 2028, eligible start-up companies with turnover under $10 million may...
30/06/2026

This one didn't get as much media attention...

From 2028, eligible start-up companies with turnover under $10 million may be able to convert early tax losses into a refundable tax offset, giving some businesses cash flow support when they need it most (not years later).

It is not a blanket refund, and the rules matter, but it is a strong reminder that getting your structure right early can shape what support is available later.


If you've got any questions about super, just drop me a comment. 🎯
25/06/2026

If you've got any questions about super, just drop me a comment. 🎯


23/06/2026

Your home isn’t just a place to live; it may also be one of the most underused wealth-building tools you have. 🤫💰

For years, you’ve been paying down your mortgage and building equity. But for many Australians, that equity just sits there trapped inside the property and does nothing.

What many people don’t realise is that, in Australia, you may be able to access that equity through a refinance, loan top-up, redraw, or line of credit and use it to invest.

The smarter move is not using that money on lifestyle spending or a depreciating asset. It’s using it to help fund an income-producing investment.

That could mean using your usable equity toward the deposit and costs of an investment property, then letting the rental income help support the repayments.

Have you ever thought about using your home equity to invest? Let me know what you think of this strategy in the comments! 👇


The future you is hoping this is the year you take money, cash flow, tax and investing seriously. Taking money seriously...
18/06/2026

The future you is hoping this is the year you take money, cash flow, tax and investing seriously.

Taking money seriously does not mean being extreme.


Most people miss the window before it closes.The EV discount is not disappearing overnight, but the value of acting earl...
16/06/2026

Most people miss the window before it closes.

The EV discount is not disappearing overnight, but the value of acting early may change. If a vehicle is already part of the plan, waiting could mean a smaller benefit later. The hidden cost is often in timing, not the purchase itself.

Speak to your advisor before the rules change.


16/06/2026

After 30 June 2026, paying super quarterly could cost your business.

This is one of those changes business owners can’t afford to leave until the last minute.

Right now, many businesses are used to paying employee super once a quarter.

But from 1 July 2026, super will need to move with each pay cycle, and generally reach the employee’s fund within 7 business days of payday.

That means your payroll process, cash flow, and super clearing house all need to line up.

The issue is not just the rule.

It is whether your systems can keep up with the rule.

If super is late, the ATO may treat it as unpaid super, which can trigger extra costs and extra reporting.

Save this as your reminder to review your payroll setup before 30 June 2026.


ATO payment plans sound safe until cash flow is gone.The issue is not the plan itself. It is when most businesses ask fo...
11/06/2026

ATO payment plans sound safe until cash flow is gone.

The issue is not the plan itself. It is when most businesses ask for one. Old tax debt, new BAS bills and everyday pressure can collide fast. Sometimes survival means restructuring the problem, not stretching the business even thinner.

Full details in post.


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Melbourne, VIC
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