Rbizz Corporate Accountants

Standing still while costs, competitors, and customer expectations keep moving isn't stability — it's a slow decline that compounds quietly the same way any ignored problem does.

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

Your Biggest Competitor Isn't the Business Down the Road. It's the Version of Your Business That Does Nothing Differently Next Year. Standing still while costs, competitors, and customer expectations keep moving isn't stability — it's a slow decline that compounds quietly the same way any ignored problem does.

Revenue tells you what came in, but break-even tells you the number that actually separates a genuinely profitable month from one that just looks fine on the surface — and most owners have never calculated it precisely.

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

You Probably Know Your Revenue Number by Heart. Can You Say the Same for Your Break-Even Number? Revenue tells you what came in, but break-even tells you the number that actually separates a genuinely profitable month from one that just looks fine on the surface — and most owners have never calculated it precisely.

Being unable to genuinely disconnect for two weeks isn't proof the business needs you — it's proof it was never built to function without you, and that fragility carries a real cost.

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

The Reason You Can't Take a Real Holiday Isn't Your Business. It's That You Never Built It to Run Without You. Being unable to genuinely disconnect for two weeks isn't proof the business needs you — it's proof it was never built to function without you, and that fragility carries a real cost.

𝗔𝘀𝗸 𝗧𝗵𝗲 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁 — 𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻 𝗼𝗳 𝘁𝗵𝗲 𝗗𝗮𝘆
𝗧𝗼𝗱𝗮𝘆'𝘀 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻: 𝗪𝗵𝘆 𝗶𝘀 𝗺𝘆 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗽𝗿𝗼𝗳𝗶𝘁𝗮𝗯𝗹𝗲 𝗯𝘂𝘁 𝗯𝗿𝗼𝗸𝗲?

The short answer: Because profit and cash are two different things. A sale counts as profit the day you invoice it — not the day it's paid. Money tied up in stock, equipment bought outright, loan principal repayments and GST or tax you're holding on the ATO's behalf all move cash without moving the profit line. A growing business can be its own worst cash flow problem: more sales means more money out before it comes back in.

Rules change, thresholds move, and deadlines don't wait. If the P&L looks healthy but the bank account doesn't, 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

𝗕𝗔𝗦 𝗾𝘂𝗮𝗿𝘁𝗲𝗿 𝗰𝗹𝗼𝘀𝗲𝘀 𝗶𝗻 𝘄𝗲𝗲𝗸𝘀.
Most BAS pain isn't the lodgement — it's the coding behind it. GST claimed on something that never carried GST. A capital purchase treated as an expense. Wages coded to the wrong account. By the time the ATO asks, the quarter is long closed.
We reconcile GST to the ledger first, then lodge. So the number you pay is the right number, on time.

What we handle each quarter:
• GST reconciled to the ledger
• BAS prepared and lodged
• PAYG withholding & instalments
• Coding errors found and fixed
• Fuel tax & other credits claimed
• Overdue BAS brought current
• ATO payment plans negotiated
• Liability set aside in advance
Behind on a quarter or three? That's fixable — and better fixed before the ATO raises it.



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

Owners who wear "I don't take a salary" as a badge of discipline are often masking a pricing model that doesn't actually cover the real cost of the work they're doing for free.

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

The Business Owner Who Never Takes a Salary Is the One I Worry About Most Owners who wear "I don't take a salary" as a badge of discipline are often masking a pricing model that doesn't actually cover the real cost of the work they're doing for free.

𝗗𝗶𝗱 𝘆𝗼𝘂 𝗸𝗻𝗼𝘄 𝘀𝘂𝗽𝗽𝗹𝘆𝗶𝗻𝗴 𝗴𝗼𝗼𝗱𝘀 𝗼𝗻 𝗰𝗿𝗲𝗱𝗶𝘁 𝘄𝗶𝘁𝗵𝗼𝘂𝘁 𝗮 𝗣𝗣𝗦𝗥 𝗿𝗲𝗴𝗶𝘀𝘁𝗿𝗮𝘁𝗶𝗼𝗻 𝗹𝗲𝗮𝘃𝗲𝘀 𝘆𝗼𝘂 𝗮𝘁 𝘁𝗵𝗲 𝗯𝗮𝗰𝗸 𝗼𝗳 𝘁𝗵𝗲 𝗾𝘂𝗲𝘂𝗲?

The Personal Property Securities Register is how a supplier records a security interest in goods they've supplied but not yet been paid for. Register it correctly and you're a secured creditor with a claim over those goods.

This catches out more businesses than you'd think. Equipment hire, wholesale supply, consignment stock, anything sold on retention-of-title terms. The terms and conditions might say the goods remain your property until paid for, but without registration that clause is very hard to enforce against a liquidator.

Timing matters too. A purchase money security interest generally needs registering within strict timeframes to keep its priority. Register late and you can lose the position you thought you had, even though the paperwork exists.
Three things worth checking.
Do your supply terms actually include a retention-of-title clause? Is a PPSR registration created as part of onboarding every new credit customer, not as an afterthought? And are your registrations against the correct entity — ABN, ACN or individual, because the wrong identifier can void the claim.



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

By September, most businesses are still running on assumptions set back in June — a quick mid-quarter gut-check now catches small gaps before three more months of decisions compound them.

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

You're Two Months Into the Financial Year and Probably Haven't Looked at a Single Number Yet By September, most businesses are still running on assumptions set back in June — a quick mid-quarter gut-check now catches small gaps before three more months of decisions compound them.

𝗔𝘀𝗸 𝗧𝗵𝗲 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁 — 𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻 𝗼𝗳 𝘁𝗵𝗲 𝗗𝗮𝘆

𝗧𝗼𝗱𝗮𝘆'𝘀 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻: 𝗖𝗮𝗻 𝗜 𝗰𝗹𝗮𝗶𝗺 𝗺𝘆 𝗰𝗮𝗿 𝗳𝗼𝗿 𝘄𝗼𝗿𝗸?
𝗧𝗵𝗲 𝘀𝗵𝗼𝗿𝘁 𝗮𝗻𝘀𝘄𝗲𝗿: Work-related travel is claimable — trips between job sites, to clients, to the bank. Your ordinary commute from home to work generally isn't, no matter how far it is. The cents-per-kilometre method covers up to 5,000 business kilometres at 88c for 2025–26 with no receipts required, though you still need to be able to show how you worked out the distance. Claiming more than that means keeping a valid 12-week logbook.

Rules change, thresholds move, and deadlines don't wait. If you're driving a lot for work and guessing at the numbers, 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

Spreadsheets fail silently — a broken formula or stale manual entry can produce plausible-looking wrong numbers for months, and the more a spreadsheet has been trusted in the past, the less likely anyone is to question it going forward.

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

The Spreadsheet You Trust Most Might Be Lying to You Spreadsheets fail silently — a broken formula or stale manual entry can produce plausible-looking wrong numbers for months, and the more a spreadsheet has been trusted in the past, the less likely anyone is to question it going forward.