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02 4920 7886Book An Appointment |
Serving Businesses Australia-Wide
Accounting for businesses across Australia
From smarter tax strategy to cleaner cash flow, we help your business hold on to more. Let’s talk about your numbers.
BAS & Compliance Sorted
Proactive Tax Planning
Advice That Grows Your Business
Why Choose 123 Financial Group?
Compliance Handled, Deadlines Met
BAS, IAS, payroll, super, and company tax returns lodged accurately and on time—every quarter, every year. No ATO penalties, no last-minute panic.
Pay Less Tax, Legally
Business structuring, asset write-offs, trust distributions, and year-round tax planning designed to keep more profit in your business—not the ATO’s pocket.
Numbers That Drive Decisions
Cash flow forecasts, profit and loss reports, and plain-English advice so you always know where your business stands and what to do next.
After years of doing my own books and constantly worrying about whether I was doing it right, switching to 123 Financial was the best decision I made for my business. They caught things I was missing and saved me thousands. I actually sleep better now.
Owner, Newcastle Electrical Contracting
How It Works
Getting started is simple. Here is what to expect.
1
Book a Business Consultation
Choose a time that suits you. Meet us at our Kotara office or jump on a Zoom call—whatever works around running your business.
2
We Review Your Business
We look at your structure, bookkeeping, tax position, and cash flow to find compliance gaps, missed deductions, and growth opportunities.
3
Get a Clear Plan & Fixed Price
You get a tailored plan covering compliance, bookkeeping, and tax strategy—with transparent fixed-fee pricing before any work starts.
4
Grow With Year-Round Support
Quarterly check-ins, proactive deadline reminders, and a team you can call before you make big decisions—not just at tax time.
Ready for an accountant who actually understands your business?
Book your appointment today and get clarity on your financial future. No obligation, no pressure—just honest advice.
What Our Clients Say
Real reviews from real clients in the Newcastle area.
★★★★★
Professional, thorough, and they actually explain things in plain English. Our business finances have never been in better shape.
Small Business Owner, Charlestown
★★★★★
I was behind on three years of BAS and terrified of what the ATO would do. The team at 123 Financial sorted it all out, negotiated a payment plan, and got my business back on track. Forever grateful.
Trades Business Owner, Maitland
★★★★★
Best accountants I have worked with. They are proactive, not just reactive. They reach out before deadlines and suggest ways to improve our tax position throughout the year.
Director, Lake Macquarie Physiotherapy
★★★★★
They restructured our company and trust setup and the tax savings paid for their fees many times over. Should have switched years ago.
Company Director, Newcastle
★★★★★
They helped us transition from spreadsheets to Xero and now our books are always up to date. Game changer for our business.
Co-Owner, Hunter Valley Cafe
★★★★★
Great service, fair pricing, and they actually return calls. Exactly what you want from a business accountant.
Sole Trader, Wallsend
Frequently Asked Questions
How much does a business accountant cost?
It depends on the size and complexity of your business—a sole trader with clean books needs less support than a company with staff, payroll, and a trust structure. We offer transparent fixed-fee packages for business clients, so you know exactly what you are paying each month. Book a consultation and we will quote clearly with no surprises.
We already have an accountant. How hard is it to switch?
Easier than you think. Once you give us the go-ahead, we handle the entire handover—we contact your previous accountant, collect your records, and pick up your lodgement obligations without any gap in compliance. Most business owners are fully switched within a couple of weeks.
What if my business is behind on BAS or tax lodgements?
You are not alone, and it is fixable. We will catch up your overdue lodgements, communicate with the ATO on your behalf, negotiate payment plans where needed, and set up systems so your business never falls behind again.
Can you help me choose the right business structure?
Yes—structure is one of the biggest levers for tax and asset protection. Whether you should operate as a sole trader, partnership, company, trust, or a combination depends on your income, risk, and growth plans. We review your situation and recommend (and set up) the structure that fits.
Do you work with Xero, MYOB, or QuickBooks?
We are Xero certified advisors and work extensively with Xero, MYOB, and QuickBooks. We can set up your software, migrate you off spreadsheets, train your team, and provide ongoing bookkeeping support so your numbers are always current.
Can you handle payroll, super, and employee obligations?
Yes. We manage payroll processing, Single Touch Payroll (STP) reporting, superannuation guarantee compliance, and employee onboarding requirements—so you can hire and grow without the admin headache.
Do you only do tax, or can you help us grow?
Compliance is just the foundation. Our business clients get cash flow forecasting, budgeting, quarterly performance reviews, and strategic advice on pricing, expansion, equipment purchases, and financing decisions—real support for growing the business, not just reporting on it.
How soon can we get started?
We typically have business consultations available within 3-5 business days. During peak periods availability may be slightly longer, but urgent compliance issues—like an approaching deadline or ATO letter—are always prioritised.
123 Financial Group vs. Typical Accountant
See the difference for yourself.
| Feature | Us | Them |
|---|---|---|
| Registered Tax Agent | ✓ | ✓ |
| Proactive Tax Planning Advice | ✓ | ✗ |
| Year-Round Support (Not Just Tax Time) | ✓ | ✗ |
| Xero Certified Advisors | ✓ | ✗ |
| Fixed-Fee Pricing (No Surprise Bills) | ✓ | ✗ |
| Business Structure & Asset Protection Advice | ✓ | ✗ |
| Cash Flow Forecasting & Growth Support | ✓ | ✗ |
| Same-Day Response to Urgent Queries | ✓ | ✗ |
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Our Business Service Guarantee
We stand behind our work. If we make an error that results in penalties or interest from the ATO, we will cover the cost. You will always receive clear, upfront pricing before we start any work—no hidden fees, no surprise bills. And if you are not satisfied with our service in the first 30 days, we will refund your fee in full.
Get In Touch
Connect with us by phone, email, or the form below.
Visit usSuite 24, Level 1, OTP House, 10 Bradford Close, Kotara NSW 2289
Call us02 4920 7886