PM Financial Solutions

MYTH: My accountant is only useful at tax time.

FACT: By the time tax season arrives, it's already too late to fix a year's worth of poor records, missed deductions, and unrecorded transactions.

A great accounting partner works with you all year — not just in February.

Here's what year-round support looks like:

✔ Monthly bookkeeping kept clean and current
✔ Payroll processed on time with correct SARS submissions
✔ VAT reconciliations done before every deadline
✔ Provisional tax calculated and submitted to avoid penalties
✔ Statutory compliance maintained so you're never caught off guard

PM Financial Solutions is your year-round financial partner — not just your tax season fix.

📧 [email protected]
🌐 pmfinsolutions.co.za
📞 +27 (0)31 396 2979 | +27 82 555 0581

Did you know your Two-Pot withdrawal could cost you more than you think?

While the Two-Pot Retirement System gives South Africans access to their savings, many don't realise the tax consequences before they apply.

Here's what you need to know:

✔ Withdrawals are taxed as income in the year you withdraw
✔ This gets added to your total taxable income for that year
✔ It could push you into a higher tax bracket
✔ SARS withholds tax before you receive the funds
✔ Self-employed? It must be declared on your provisional tax return

Speak to a tax professional before you apply.

PM Financial Solutions helps you understand and manage your SARS obligations.

📧 [email protected]
🌐 pmfinsolutions.co.za
📞 +27 (0)31 396 2979 | +27 82 555 0581

Did you know that simply stopping business operations does not deregister your company? Until a company is formally deregistered with the CIPC, it remains a legal entity with ongoing obligations — including annual return submissions and potential liability for outstanding taxes.

Many business owners don’t realise this until they receive a CIPC compliance notice or a SARS demand for outstanding returns.

If your company is no longer trading, here is what needs to happen:

✔ All outstanding annual returns must be filed with the CIPC
✔ SARS tax affairs must be finalised before deregistration
✔ A formal deregistration application must be submitted

PM Financial Solutions guides you through the full deregistration process — correctly and without unnecessary delays.

Don’t leave a dormant company open to risk.

[[email protected]](mailto:[email protected]) | pmfinsolutions.co.za | +27 (0)31 396 2979 | +27 82 555 0581

Running a registered business in South Africa comes with ongoing statutory obligations — and falling behind can have serious consequences, from fines to deregistration by the CIPC.

Here is a checklist of the statutory requirements PM Financial Solutions can assist you with:

✔ Company registrations with the CIPC
✔ Director and member amendments
✔ Annual return submissions
✔ Amendment of company or entity details
✔ CC to Company conversions
✔ MOI amendments
✔ Maintenance of company records
✔ BBBEE affidavits

Staying compliant isn’t just a legal requirement — it protects your business, your reputation, and your ability to operate.

Contact us today and let us keep your compliance on track.

[[email protected]](mailto:[email protected]) | pmfinsolutions.co.za | +27 (0)31 396 2979 | +27 82 555 0581

💡 MYTH: As long as my business is profitable, my bookkeeping can wait.

FACT: Profitability and healthy bookkeeping are not the same thing.

A business can appear profitable on paper while quietly heading toward a cash flow crisis. Without accurate, up-to-date records, you may not see it coming until it’s too late.

Accurate bookkeeping gives you:

✔ A real-time view of your cash position
✔ Clean records for VAT submissions and audits
✔ Reliable data for smarter business decisions
✔ A stress-free tax season with no last-minute scrambling

At PM Financial Solutions, we handle your monthly bookkeeping so your numbers always tell the full story.

📧 [email protected]
🌐 pmfinsolutions.co.za
📞 +27 (0)31 396 2979 | +27 82 555 0581

Payroll errors are more common than most businesses realise, and the consequences go beyond a wrong number on a payslip. 📋

Incorrect submissions to SARS can attract penalties, unhappy staff can quickly become a retention problem, and manual payroll processes leave room for costly mistakes every single month.

At PM Financial Solutions, we manage your payroll end to end:

✔️ Monthly payroll preparation
✔️ Accurate payslip generation and distribution
✔️ Monthly EMP201 submissions to SARS
✔️ IRP5 certificates issued at year end
✔️ Annual EMP501 reconciliations

Your team gets paid correctly and on time. Your business stays fully compliant.

No stress. No shortcuts.

📧 [email protected]
🌐 pmfinsolutions.co.za
📞 +27 (0)31 396 2979 | +27 82 555 0581

Today we honour the strength, resilience, and brilliance of women across South Africa and around the world. 🇿🇦💜

Women’s Day is a reminder of how far we have come, and a celebration of the women who continue to lead, build, and inspire in every space they occupy.

To every woman running a business, managing a household, holding a team together, or simply showing up every day, we see you and we celebrate you. 🌸

Happy Women’s Day from the entire PM Financial Solutions team.

📧 [email protected]
🌐 pmfinsolutions.co.za
📞 +27 (0)31 396 2979 | +27 82 555 0581

The SARS tax season for businesses is here. If your company hasn’t started preparing yet, now is the time.

Here’s what you need to have in order before you submit:

✔️ Financial statements finalised and signed off
✔️ All income and expenses accurately captured
✔️ VAT reconciliations completed and verified
✔️ Provisional tax payments up to date
✔️ Supporting documentation filed and accessible
✔️ eFiling profile active and correctly linked

Submitting late or incorrectly doesn’t just cost you in penalties — it can trigger a SARS audit. Don’t leave it to chance.

PM Financial Solutions takes care of your company tax submissions from start to finish, so you can focus on running your business.

Book your appointment today.

[email protected] | pmfinsolutions.co.za | +27 (0)31 396 2979 | +27 82 555 0581

Did you know that once your business's taxable turnover exceeds R1 million in a 12-month period, you are legally required to register for VAT with SARS?

Many business owners are unaware of this threshold and find themselves non-compliant without realising it — leading to penalties and backdated VAT obligations.

PM Financial Solutions assists with:
✔ VAT Registration with SARS
✔ Monthly VAT Reconciliations
✔ VAT201 Return Submissions
✔ eFiling Administration

Get compliant and stay on top of your VAT obligations with professional support from our team.

📧 Email: [email protected]
🌐 pmfinsolutions.co.za
☎ +27 (0)31 396 2979 | +27 82 555 0581

Tax season doesn't have to be stressful, if you're prepared. Here's a quick checklist to help your business stay on top of company tax submissions:

✔️ Is your company registered for Income Tax with SARS?
✔️ Are your financial records up to date and reconciled?
✔️ Have your provisional tax returns been submitted on time?
✔️ Are all supporting documents organised and accessible?
✔️ Is your eFiling profile active and up to date?
✔️ Have outstanding tax clearance certificates been applied for?

Missing a deadline or submitting incorrect returns can result in penalties, interest, and unnecessary stress — all of which are avoidable with the right support.

PM Financial Solutions handles your company tax submissions from start to finish — accurately, on time, every time.

📧 Email: [email protected]
🌐 pmfinsolutions.co.za
☎️ +27 (0)31 396 2979 | +27 82 555 0581