Emma Pardoe Chartered Accountant

Most business owners have a personal will, but far fewer have a clear plan for what happens to their business if they pass away, retire, or need to exit unexpectedly.

At the very least, business owners should review their plans every year and ask:
- Is your succession plan, shareholders’ agreement, buy-and-sell agreement and estate planning still aligned?
- Does your personal will - and your business will - still reflect the current value and structure of your business?
- Do you have a business will in place?

A business will can help protect continuity, reduce uncertainty for your family and partners, and ensure that what you have built is not left vulnerable.

If you have spent years building your business, this article is a helpful starting point for understanding why your succession and estate planning should work together.
Read the article here: https://www.emmapardoe.co.za/business/national-wills-month-do-you-have-a-business-will/

Why do business owners need a virtual office address in South Africa? Expanding across borders shouldn't require the immediate overhead of leasing physical commercial property.

Did you know that we provide a secure Virtual Office Address service designed to make cross-border and out-of-province expansion effortless?

Here are 6 reasons why you should consider a VOA:
1️⃣ Establish a Local Footprint: Instantly claim a legitimate office presence in the Western Cape or South Africa without renting physical workspace.
2️⃣ Streamline Statutory Compliance: Meet the legal requirement under the Companies Act for an official physical registered office in the same jurisdiction.
3️⃣ Centralise Official Communications: Receive a dependable address where all legal notices and formal correspondence can be properly delivered.
4️⃣ Increase Corporate Credibility: Present a professional, established corporate image to local clients, partners, and regulatory bodies.
5️⃣ Simplify Remote Operations: Manage your South African entity seamlessly from anywhere in the world with a fixed local administrative hub.
6️⃣ Access Trusted Local Support: Leverage an established service already utilised by multiple overseas and local companies for a nominal fee.

You can contact us to secure your official South African virtual office address. (Link in Bio)

Your South African Tax Deadlines for September 2026

07 September: PAYE submissions and payments
19 September: Start of Trust Filing Season 2026
29 September: Excise duty payments
30 September: VAT electronic submissions and payments; PIT Provisional payments; CIT Provisional Tax payments where applicable; End of the 2nd fiscal quarter

Whether you are managing complex payroll structures or preparing for year-end audits, staying ahead of these dates ensures your business remains stress-free and fully compliant.

For a comprehensive tax calendar and professional support from our audit and accounting team, please visit the Resources section on our website: https://www.emmapardoe.co.za/resources/

Did a recent business decision not go as planned? You aren't alone.
Research shows that 85% of business leaders experience "decision distress." The key to recovery isn't ignoring the mistake but to identify the root cause.

Often, those root causes are hidden deep in your financial data.

Read the latest article, "How to Recover from a Bad Business Decision," to learn actionable steps for turning a misstep into a strategic advantage.

📖 Read the full article here:https://www.emmapardoe.co.za/business/everyone-makes-them-heres-how-to-recover-from-a-bad-business-decision/

Need an objective eye on your business? As a Fractional CFO and Registered Auditor, I help you dig into the data without emotional bias. Whether you need to fix cash flow constraints or build robust risk management frameworks, I provide the strategic oversight you need to move forward intelligently.

Contact us today to discuss how Fractional CFO services can protect and grow your business!

Market Update: Why Markets Keep Finding Their Way Back to the Same Place

This year, just about everything that could go wrong has gone wrong. But despite the turmoil markets have shown remarkable resilience. Time and again, investors have been confronted with events that seemed destined to derail global growth, only for fundamentals to reassert themselves.

As wars, technology, and economic policy continue to pull markets in different directions, one question remains: why do markets keep ending up in almost exactly the same place?

** Read the full article here https://thetaxpeople.co.za/franchise/market-update-why-markets-keep-finding-their-way-back-to-the-same-place/

With Permission ©FinDotNews

Why Are More People Building ‘Career Insurance’?
For a long time, a second income was a nice-to-have: a “side hustle” that brought in some extra spending money, or was a way to express your interests and creativity outside of work.

But it is increasingly becoming something entirely different: ‘career insurance’.

In this article we look at a profound shift in how people think about a second income, and why it is becoming more critical.

Starting or growing a side hustle? Let us help you keep it SARS compliant and ensure your tax and accounting obligations are managed correctly from day one.

** Read the full article here: https://thecompliancepeople.co.za/why-are-more-people-building-career-insurance/

©FinDotNews with Permission

SARS has officially released its VAT modernisation consultation paper, marking a significant step in the transition toward a digital, near-real-time tax administration system.

This shift will influence technical design, implementation timelines, and future governance. SARS is calling on all interested stakeholders to review the consultation paper and submit their written feedback by 16 October 2026.

For context, read this article: https://www.moneyweb.co.za/mymoney/moneyweb-tax/sars-launches-consultation-on-digital-overhaul-to-make-vat-compliance-seamless/

Sars launches consultation on digital overhaul to make Vat compliance ‘seamless’ Calls for affected and interested stakeholders to review the consultation paper and submit written comments by 16 October.

Your business may be losing money every month without realising it through unused software subscriptions quietly renewing in the background.

From AI tools and design platforms to productivity apps and shared workspaces, SaaS creep can quickly become a hidden drain on SME cash flow. The issue is rarely one bad purchase. It is usually a lack of visibility, ownership and regular review.

The Zylo 2026 SaaS Management Index reported that 46% of software licences sit unused at any given time, representing more than R350 million in wasted annual expenditure for the average large organisation.

A structured subscription audit can help identify what is still useful, what is duplicated, and what should be cancelled before the next renewal cycle.

If your software costs have grown without a clear reason, or your cash flow is in jeopardy, now is the time to audit them.

Read the full article to find out how hidden subscription costs could be affecting your cash flow, and what steps can help you reduce unnecessary spend. [https://www.linkedin.com/pulse/subscription-trap-smes-losing-thousands-saas-creep-pardoe-ca-sa--ea1rf]



Adapted from ©AccountingDotNews with Permission