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Monday 08:00 - 16:30 Tuesday 08:00 - 16:30 Wednesday 08:00 - 16:30 Thursday 08:00 - 16:30 Friday 08:00 - 15:30

PM Financial Solutions

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South Africa
Kloof
PM Financial Solutions

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PM Financial Solutions (Pty) Ltd is an accounting and tax facility located in the Upper Highway area.

29/10/2026

With economic pressures mounting across South Africa, more business owners are making the difficult decision to close or wind down their companies. But simply stopping trading is not enough — and many don't realise the obligations that remain even after the doors close.

Here's what needs to happen before you can officially close your business:

✔️ All outstanding SARS tax returns must be submitted and finalised
✔️ Any VAT, PAYE, or income tax liabilities must be settled
✔️ Your company must be formally deregistered with the CIPC
✔️ All annual returns must be filed and up to date
✔️ If there is a deceased estate involved, proper administration is required

Skipping any of these steps leaves you personally exposed to outstanding liabilities — even after the business stops operating.

PM Financial Solutions guides business owners through the full deregistration and wind-down process. Contact us today for a consultation.

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

23/10/2026

A SARS audit is not something that only happens to large corporations. Small and medium businesses are audited regularly — and when SARS comes knocking, your records need to be complete, accurate, and ready to hand over immediately.

Here's what SARS typically requests during an audit:

✔ Bank statements reconciled to your accounting records
✔ VAT201 returns matched to your invoices and receipts
✔ Payroll records and EMP201 submissions
✔ Supporting documents for all business expenses claimed
✔ Financial statements for the relevant tax year

If your books are messy or out of date — an audit becomes a nightmare. If your books are clean and current — an audit is simply a process.

At PM Financial Solutions, we keep your records audit-ready every single month. Don't wait for SARS to come to you. Get your books in order today.

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

13/10/2026

Payroll is one of the most compliance-heavy tasks in your business — and most business owners don't realise just how much is involved until something goes wrong.

Getting payroll wrong doesn't just mean an unhappy employee. It means SARS penalties, incorrect IRP5 certificates, failed EMP201 submissions, and potential labour disputes.

Here's everything that needs to happen every single month:

✔️ Accurate payroll calculations including overtime, deductions, and leave
✔️ Payslips generated and issued to every employee
✔️ EMP201 submitted to SARS on time every month
✔️ PAYE, UIF, and SDL calculated and paid correctly
✔️ Annual IRP5 certificates issued at year end
✔️ EMP501 reconciliation completed and submitted

PM Financial Solutions manages your entire payroll process end to end. Stop risking penalties — hand your payroll over to the experts.

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

06/10/2026

MYTH: Hiring an accountant is a luxury only big businesses can afford.

FACT: Not having an accountant is what you actually can't afford.

Every month without proper bookkeeping is a month of missed deductions, incorrect VAT submissions, and financial decisions made without accurate data. The penalties, the stress, and the missed opportunities cost far more than professional accounting support ever will.

Here's what PM Financial Solutions does for small and medium businesses every single month:

✔ Captures every transaction so nothing gets missed
✔ Reconciles your accounts so your numbers are always accurate
✔ Submits your VAT returns on time, every time
✔ Processes payroll correctly so your team gets paid and SARS is happy
✔ Keeps your statutory obligations current so you stay compliant

You don't need to be a big business to afford professional accounting. You just need the right partner. Contact PM Financial Solutions today.

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

01/10/2026

Q4 has arrived — and for most South African businesses, it's the most critical financial period of the year.

Before the year-end rush hits, here's what you should have in place right now:

✔ Books fully reconciled and up to date
✔ All outstanding invoices followed up and recorded
✔ VAT submissions current with no penalties outstanding
✔ Provisional tax second payment on your radar — due February
✔ Payroll reviewed and corrected for the new quarter
✔ CIPC annual returns filed and compliant
✔ A clear picture of your year-to-date profit or loss

If even one of those boxes isn't ticked, you're heading into Q4 exposed.

PM Financial Solutions gets your finances Q4-ready — quickly, accurately, and without the stress. Contact us today and let's make sure your business finishes the year strong.

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

29/09/2026

Did you know that missing your CIPC annual return can get your company deregistered — even if it's actively trading?

Every registered company and close corporation in South Africa must file an annual return with the CIPC every year. Thousands miss this deadline without even realising it.

Here's what happens when you don't file on time:

✔ Your company is flagged as non-compliant
✔ You face penalty fees and outstanding return costs
✔ Your company can be deregistered while still trading
✔ A deregistered company can't sign contracts, open bank accounts, or bid for tenders
✔ Reinstating a deregistered company is a long, costly process

The annual return is not optional — it is a legal obligation.

PM Financial Solutions handles your annual returns and statutory compliance from start to finish. Don't leave it too late.

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

24/09/2026

Happy Heritage Day! 🇿🇦

Today we celebrate the rich, diverse cultures, histories, and identities that make South Africa unlike anywhere else in the world.

At PM Financial Solutions, we are proud to serve South African businesses and individuals across communities and industries. Every client brings their own story, ambitions, and version of the South African dream.

Building a business in this country takes resilience, creativity, and determination — and we see that in our clients every single day.

To every entrepreneur and business owner out there — your heritage is part of your strength.

Happy Heritage Day from the PM Financial Solutions team. 🇿🇦

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

22/09/2026

Q3 is almost done — is your business financially ready for Q4?

Here's your quick financial health checklist:

✔ Are your books reconciled and up to date?
✔ Have all outstanding invoices been followed up?
✔ Is your provisional tax estimate on track?
✔ Are your SARS accounts clear of penalties or outstanding returns?
✔ Has your payroll been reviewed for corrections?
✔ Are your CIPC annual returns filed and current?
✔ Do you have a clear picture of your year-to-date profit or loss?

If you answered NO to any of the above — act now before the December rush hits.

PM Financial Solutions keeps your finances on track all year round. Contact us today.

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

15/09/2026

Bad bookkeeping isn't free — here's what it's actually costing your business.

✔ SARS penalties for late or incorrect VAT submissions
✔ Missed tax deductions you were entitled to claim
✔ Cash flow surprises with no clear financial picture
✔ Year-end scrambling to piece together 12 months of records
✔ Business decisions based on gut feel, not real numbers
✔ Difficulty getting funding because your records are incomplete

Businesses that grow consistently are the ones with clean, current financials every single month.

At PM Financial Solutions, we handle your monthly bookkeeping so your numbers are always accurate and ready when you need them.

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

08/09/2026

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

Address

Unit 5, 74 Old Main Road
Kloof
3610

Opening Hours

Monday	08:00 - 16:30
Tuesday	08:00 - 16:30
Wednesday	08:00 - 16:30
Thursday	08:00 - 16:30
Friday	08:00 - 15:30

Telephone

+27313962979

Website

https://pmfinsolutions.co.za/

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