Rbizz Corporate Accountants

16/10/2026

𝗬𝗼𝘂𝗿 𝗰𝗼𝗻𝘁𝗿𝗮𝗰𝘁𝗼𝗿 𝗺𝗶𝗴𝗵𝘁 𝗹𝗲𝗴𝗮𝗹𝗹𝘆 𝗯𝗲 𝗮𝗻 𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗲.
They have an ABN, they send invoices and they've been with you three years. But if they work set hours, use your tools and can't send someone else in their place, the law may see an employee. The super, tax and penalties are then yours to pay.

𝗪𝗵𝗮𝘁 𝘄𝗲 𝗰𝗵𝗲𝗰𝗸 𝗳𝗼𝗿 𝗲𝗮𝗰𝗵 𝘄𝗼𝗿𝗸𝗲𝗿:
• Contractor or employee, tested properly
• Super obligations, which can apply even to some contractors
• PAYG withholding applied where it's due
• Payroll tax exposure checked by state
• Agreements reviewed so they match how the work is actually done

Having an ABN doesn't settle it. How the work is actually done does.

2,500+ customers served | 3,500+ Australian tax returns prepared | 25+ years of global experience.


𝗥𝗕𝗶𝘇𝘇 𝗖𝗼𝗿𝗽𝗼𝗿𝗮𝘁𝗲 𝗔𝗰𝗰𝗼𝘂𝗻𝘁ants
Global Chartered Accountants

𝗢𝗻𝗲-𝗦𝘁𝗼𝗽 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁𝘀 𝗼𝗳 𝗚𝗿𝗼𝘄𝗶𝗻𝗴 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀𝗲𝘀, 𝗦𝗺𝗮𝗹𝗹 𝘁𝗼 𝗖𝗼𝗺𝗽𝗹𝗲𝘅.
Advisory | CFO | Accounting | Tax | Payroll | Compliance | Technology

𝗠𝗲𝗹𝗯𝗼𝘂𝗿𝗻𝗲 | 𝗦𝘆𝗱𝗻𝗲𝘆 | 𝗣𝗲𝗿𝘁𝗵 | 𝗕𝗿𝗶𝘀𝗯𝗮𝗻𝗲
13-000-RBIZZ
[email protected]
www.rbizz.com.au

16/10/2026

A loan repayment is part deductible interest and part non-deductible principal, and only the lender’s statement shows the split, which is why booking it as one lump overstates or understates your result.

𝗥𝗕𝗶𝘇𝘇 𝗖𝗼𝗿𝗽𝗼𝗿𝗮𝘁𝗲 𝗔𝗰𝗰𝗼𝘂𝗻𝘁ants
Global Chartered Accountants

𝗢𝗻𝗲-𝗦𝘁𝗼𝗽 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁𝘀 𝗼𝗳 𝗚𝗿𝗼𝘄𝗶𝗻𝗴 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀𝗲𝘀, 𝗦𝗺𝗮𝗹𝗹 𝘁𝗼 𝗖𝗼𝗺𝗽𝗹𝗲𝘅.
Advisory | CFO | Accounting | Tax | Payroll | Compliance | Technology

𝗠𝗲𝗹𝗯𝗼𝘂𝗿𝗻𝗲 | 𝗦𝘆𝗱𝗻𝗲𝘆 | 𝗣𝗲𝗿𝘁𝗵 | 𝗕𝗿𝗶𝘀𝗯𝗮𝗻𝗲
13-000-RBIZZ
[email protected]
www.rbizz.com.au

A loan repayment is part deductible interest and part non-deductible principal, and only the lender’s statement shows the split, which is why booking it as one lump overstates or understates your result.

16/10/2026

𝗔𝘀𝗸 𝗧𝗵𝗲 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁 — 𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻 𝗼𝗳 𝘁𝗵𝗲 𝗗𝗮𝘆

𝗧𝗼𝗱𝗮𝘆'𝘀 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻: 𝗗𝗼 𝗜 𝗻𝗲𝗲𝗱 𝗦𝗶𝗻𝗴𝗹𝗲 𝗧𝗼𝘂𝗰𝗵 𝗣𝗮𝘆𝗿𝗼𝗹𝗹 𝗳𝗼𝗿 𝗼𝗻𝗲 𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗲?

𝗧𝗵𝗲 𝘀𝗵𝗼𝗿𝘁 𝗮𝗻𝘀𝘄𝗲𝗿: Yes. There's no exemption for small employers, so even one casual means reporting wages, PAYG withholding and super to the ATO through STP-enabled software on or before each payday. The one concession is for closely held payees, such as family members, company directors and trust beneficiaries. If you have 19 or fewer payees, you can generally report their pay quarterly instead of each payday. Everyone else still runs on the payday clock, and year-end finalisation is a separate deadline again.
Rules change, thresholds move, and deadlines don't wait. If your payroll setup hasn't been reviewed since you hired your first employee, it's worth a conversation.

RBizz Corporate Accountants — Global CFO accountants helping businesses rise. Tax, BAS & GST, payroll and super, company structures, bookkeeping, cash flow and virtual CFO support for SMEs across Australia.

General information only — not personal tax advice.


𝗥𝗕𝗶𝘇𝘇 𝗖𝗼𝗿𝗽𝗼𝗿𝗮𝘁𝗲 𝗔𝗰𝗰𝗼𝘂𝗻𝘁ants
Global Chartered Accountants

𝗢𝗻𝗲-𝗦𝘁𝗼𝗽 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁𝘀 𝗼𝗳 𝗚𝗿𝗼𝘄𝗶𝗻𝗴 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀𝗲𝘀, 𝗦𝗺𝗮𝗹𝗹 𝘁𝗼 𝗖𝗼𝗺𝗽𝗹𝗲𝘅.
Advisory | CFO | Accounting | Tax | Payroll | Compliance | Technology

𝗠𝗲𝗹𝗯𝗼𝘂𝗿𝗻𝗲 | 𝗦𝘆𝗱𝗻𝗲𝘆 | 𝗣𝗲𝗿𝘁𝗵 | 𝗕𝗿𝗶𝘀𝗯𝗮𝗻𝗲
13-000-RBIZZ
[email protected]
www.rbizz.com.au

16/10/2026

𝗗𝗶𝗱 𝘆𝗼𝘂 𝗸𝗻𝗼𝘄 𝘂𝗻𝘂𝘀𝗲𝗱 𝗮𝗻𝗻𝘂𝗮𝗹 𝗹𝗲𝗮𝘃𝗲 𝗶𝘀 𝗺𝗼𝗻𝗲𝘆 𝘆𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗮𝗹𝗿𝗲𝗮𝗱𝘆 𝗼𝘄𝗲𝘀?
Each week an employee works, they earn paid leave. Until they take it, it sits on your balance sheet as a liability. If staff don't take much leave, that liability can grow into one of the largest debts in the business.

It also costs more over time. Leave is paid at the employee's rate when they take it, not the rate when they earned it. Every pay rise increases the value of every untaken day.

When someone resigns, you pay out their balance in one go. If several long-serving staff leave in the same year, the cash hit can be significant. Buyers and lenders also look at leave balances when they assess a business.

Check your leave report now, before Christmas. Encourage staff with large balances to book time off. Check whether their award or agreement lets you direct leave over the shutdown. And include leave in your cash-flow forecast.

If you'd like to understand your leave liability and plan for it, we'll review it with you.



𝗥𝗕𝗶𝘇𝘇 𝗖𝗼𝗿𝗽𝗼𝗿𝗮𝘁𝗲 𝗔𝗰𝗰𝗼𝘂𝗻𝘁ants
Global Chartered Accountants

𝗢𝗻𝗲-𝗦𝘁𝗼𝗽 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁𝘀 𝗼𝗳 𝗚𝗿𝗼𝘄𝗶𝗻𝗴 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀𝗲𝘀, 𝗦𝗺𝗮𝗹𝗹 𝘁𝗼 𝗖𝗼𝗺𝗽𝗹𝗲𝘅.
Advisory | CFO | Accounting | Tax | Payroll | Compliance | Technology

𝗠𝗲𝗹𝗯𝗼𝘂𝗿𝗻𝗲 | 𝗦𝘆𝗱𝗻𝗲𝘆 | 𝗣𝗲𝗿𝘁𝗵 | 𝗕𝗿𝗶𝘀𝗯𝗮𝗻𝗲
13-000-RBIZZ
[email protected]
www.rbizz.com.au

15/10/2026

Q1 closes today, and anything actioned in the next few hours is a course correction — the same fix tomorrow becomes a retrospective cleanup, often with amendments or penalty exposure a same-day check would have avoided.

𝗥𝗕𝗶𝘇𝘇 𝗖𝗼𝗿𝗽𝗼𝗿𝗮𝘁𝗲 𝗔𝗰𝗰𝗼𝘂𝗻𝘁ants
Global Chartered Accountants

𝗢𝗻𝗲-𝗦𝘁𝗼𝗽 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁𝘀 𝗼𝗳 𝗚𝗿𝗼𝘄𝗶𝗻𝗴 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀𝗲𝘀, 𝗦𝗺𝗮𝗹𝗹 𝘁𝗼 𝗖𝗼𝗺𝗽𝗹𝗲𝘅.
Advisory | CFO | Accounting | Tax | Payroll | Compliance | Technology

𝗠𝗲𝗹𝗯𝗼𝘂𝗿𝗻𝗲 | 𝗦𝘆𝗱𝗻𝗲𝘆 | 𝗣𝗲𝗿𝘁𝗵 | 𝗕𝗿𝗶𝘀𝗯𝗮𝗻𝗲
13-000-RBIZZ
[email protected]
www.rbizz.com.au

Q1 closes today, and anything actioned in the next few hours is a course correction — the same fix tomorrow becomes a retrospective cleanup, often with amendments or penalty exposure a same-day check would have avoided.

15/10/2026

There's never a perfectly comfortable moment to raise prices, and waiting for one just means absorbing rising costs indefinitely while margin erodes — the eventual increase ends up bigger and harder than it would have been on schedule.

𝗥𝗕𝗶𝘇𝘇 𝗖𝗼𝗿𝗽𝗼𝗿𝗮𝘁𝗲 𝗔𝗰𝗰𝗼𝘂𝗻𝘁ants
Global Chartered Accountants

𝗢𝗻𝗲-𝗦𝘁𝗼𝗽 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁𝘀 𝗼𝗳 𝗚𝗿𝗼𝘄𝗶𝗻𝗴 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀𝗲𝘀, 𝗦𝗺𝗮𝗹𝗹 𝘁𝗼 𝗖𝗼𝗺𝗽𝗹𝗲𝘅.
Advisory | CFO | Accounting | Tax | Payroll | Compliance | Technology

𝗠𝗲𝗹𝗯𝗼𝘂𝗿𝗻𝗲 | 𝗦𝘆𝗱𝗻𝗲𝘆 | 𝗣𝗲𝗿𝘁𝗵 | 𝗕𝗿𝗶𝘀𝗯𝗮𝗻𝗲
13-000-RBIZZ
[email protected]
www.rbizz.com.au

There's never a perfectly comfortable moment to raise prices, and waiting for one just means absorbing rising costs indefinitely while margin erodes — the eventual increase ends up bigger and harder than it would have been on schedule.

15/10/2026

Every deduction you're entitled to but never claim is effectively money handed over voluntarily — and a compliance-only relationship processes what you hand over, without necessarily going looking for what you didn't think to mention.

𝗥𝗕𝗶𝘇𝘇 𝗖𝗼𝗿𝗽𝗼𝗿𝗮𝘁𝗲 𝗔𝗰𝗰𝗼𝘂𝗻𝘁ants
Global Chartered Accountants

𝗢𝗻𝗲-𝗦𝘁𝗼𝗽 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁𝘀 𝗼𝗳 𝗚𝗿𝗼𝘄𝗶𝗻𝗴 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀𝗲𝘀, 𝗦𝗺𝗮𝗹𝗹 𝘁𝗼 𝗖𝗼𝗺𝗽𝗹𝗲𝘅.
Advisory | CFO | Accounting | Tax | Payroll | Compliance | Technology

𝗠𝗲𝗹𝗯𝗼𝘂𝗿𝗻𝗲 | 𝗦𝘆𝗱𝗻𝗲𝘆 | 𝗣𝗲𝗿𝘁𝗵 | 𝗕𝗿𝗶𝘀𝗯𝗮𝗻𝗲
13-000-RBIZZ
[email protected]
www.rbizz.com.au

Every deduction you're entitled to but never claim is effectively money handed over voluntarily — and a compliance-only relationship processes what you hand over, without necessarily going looking for what you didn't think to mention.

14/10/2026

A genuinely profitable business can still collapse if cash runs out before that profit is ever collected — unlike a failed product or lack of demand, this is usually a forecasting and buffer problem, making it one of the more preventable ways a business fails.

𝗥𝗕𝗶𝘇𝘇 𝗖𝗼𝗿𝗽𝗼𝗿𝗮𝘁𝗲 𝗔𝗰𝗰𝗼𝘂𝗻𝘁ants
Global Chartered Accountants

𝗢𝗻𝗲-𝗦𝘁𝗼𝗽 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁𝘀 𝗼𝗳 𝗚𝗿𝗼𝘄𝗶𝗻𝗴 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀𝗲𝘀, 𝗦𝗺𝗮𝗹𝗹 𝘁𝗼 𝗖𝗼𝗺𝗽𝗹𝗲𝘅.
Advisory | CFO | Accounting | Tax | Payroll | Compliance | Technology

𝗠𝗲𝗹𝗯𝗼𝘂𝗿𝗻𝗲 | 𝗦𝘆𝗱𝗻𝗲𝘆 | 𝗣𝗲𝗿𝘁𝗵 | 𝗕𝗿𝗶𝘀𝗯𝗮𝗻𝗲
13-000-RBIZZ
[email protected]
www.rbizz.com.au

A genuinely profitable business can still collapse if cash runs out before that profit is ever collected — unlike a failed product or lack of demand, this is usually a forecasting and buffer problem, making it one of the more preventable ways a business fails.

14/10/2026

Self-lodgers usually have until 31 October, and the returns that run late are rarely held up by the lodging itself but by records nobody gathered earlier.

𝗥𝗕𝗶𝘇𝘇 𝗖𝗼𝗿𝗽𝗼𝗿𝗮𝘁𝗲 𝗔𝗰𝗰𝗼𝘂𝗻𝘁ants
Global Chartered Accountants

𝗢𝗻𝗲-𝗦𝘁𝗼𝗽 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁𝘀 𝗼𝗳 𝗚𝗿𝗼𝘄𝗶𝗻𝗴 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀𝗲𝘀, 𝗦𝗺𝗮𝗹𝗹 𝘁𝗼 𝗖𝗼𝗺𝗽𝗹𝗲𝘅.
Advisory | CFO | Accounting | Tax | Payroll | Compliance | Technology

𝗠𝗲𝗹𝗯𝗼𝘂𝗿𝗻𝗲 | 𝗦𝘆𝗱𝗻𝗲𝘆 | 𝗣𝗲𝗿𝘁𝗵 | 𝗕𝗿𝗶𝘀𝗯𝗮𝗻𝗲
13-000-RBIZZ
[email protected]
www.rbizz.com.au

Self-lodgers usually have until 31 October, and the returns that run late are rarely held up by the lodging itself but by records nobody gathered earlier.

14/10/2026

𝗡𝗼 𝗿𝗲𝗰𝗲𝗶𝗽𝘁. 𝗡𝗼 𝗹𝗼𝗴𝗯𝗼𝗼𝗸. 𝗡𝗼 𝗱𝗲𝗱𝘂𝗰𝘁𝗶𝗼𝗻.
Most claims that fail an ATO review aren't wrong. They just can't be proven. The fuel was real, the home office was real and the client lunch happened, but without the record the claim is gone and the penalty comes with it.

𝗪𝗵𝗮𝘁 𝘄𝗲 𝘀𝗲𝘁 𝘂𝗽 𝘀𝗼 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗽𝗿𝗼𝘃𝗲 𝗶𝘁:

• Receipts captured by phone, at the time
• Vehicle logbooks kept the way the ATO wants
• Home office hours recorded, not guessed
• Five years of records, stored and findable
• Linked to your books, so nothing is lost

It takes about ten seconds per receipt.
2,500+ customers served | 3,500+ Australian tax returns prepared | 25+ years of global experience.



𝗥𝗕𝗶𝘇𝘇 𝗖𝗼𝗿𝗽𝗼𝗿𝗮𝘁𝗲 𝗔𝗰𝗰𝗼𝘂𝗻𝘁ants
Global Chartered Accountants

𝗢𝗻𝗲-𝗦𝘁𝗼𝗽 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁𝘀 𝗼𝗳 𝗚𝗿𝗼𝘄𝗶𝗻𝗴 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀𝗲𝘀, 𝗦𝗺𝗮𝗹𝗹 𝘁𝗼 𝗖𝗼𝗺𝗽𝗹𝗲𝘅.
Advisory | CFO | Accounting | Tax | Payroll | Compliance | Technology

𝗠𝗲𝗹𝗯𝗼𝘂𝗿𝗻𝗲 | 𝗦𝘆𝗱𝗻𝗲𝘆 | 𝗣𝗲𝗿𝘁𝗵 | 𝗕𝗿𝗶𝘀𝗯𝗮𝗻𝗲
13-000-RBIZZ
[email protected]
www.rbizz.com.au