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  • Hourly Rate Check
  • Profit to Cash
  • Contractor vs Employee
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  • Home
  • ABOUT US
  • SERVICES
  • TOOLS
    • Hourly Rate Check
    • Profit to Cash
    • Contractor vs Employee
  • CONTACT US
  • Home
  • ABOUT US
  • SERVICES
  • TOOLS
    • Hourly Rate Check
    • Profit to Cash
    • Contractor vs Employee
  • CONTACT US

Finance Business Partners

Finance Business PartnersFinance Business PartnersFinance Business Partners

We help trade businesses get clarity on their finances. 

Inquire Now

OUR CERTIFICATIONS

The $500,000 Mistake

Contractor or Employee?

The ATO has launched a 2026 Sham Contracting Taskforce specifically targeting the construction and trade industries. They aren't just looking for unpaid tax; they are looking for:

  • Unpaid Superannuation: A 12% base plus a non-deductible 200% penalty (SGC Charge).
  • Back-paid Leave: Every hour of annual and sick leave, typically going back 6 years.
  • Civil Penalties: Up to $562,500 per contravention for companies (as of Feb 2026).


Most builders think they are safe because the worker has an ABN and their own ute. They are wrong. If you control their hours, provide their specialized tools, or if they cannot delegate their work, you are sitting on a financial time bomb.

ABOUT US

Belinda Donovan

Belinda Donovan

Belinda Donovan

 

Belinda has over 20 years’ experience in accounting and finance, with a degree in Accounting from the University of Queensland. She works with business owners who want fewer financial surprises and more confidence in day-to-day decisions. Belindas' focus is practical, clear financial support that fits how real businesses actually operate.

Working alongside existing bookkeepers and accountants, bridging the gap to help owners understand what the numbers are really telling them and where risks or pressure points may be building. Belinda is passionate about turning financial information into something useful — reducing surprises and supporting better decisions that helps businesses grow.

Alisha Pham

Belinda Donovan

Belinda Donovan


Alisha brings deep financial expertise, hands‑on experience and a commitment to helping small business owners succeed. With a strong background in business finance and analysis — including roles as a finance manager and work supporting organisations in Brisbane — she understands what it takes to turn messy books into clear, actionable insights.


With her focus on trust, simplicity and long‑term partnership, Alisha works alongside tradies to remove financial stress and unlock the true potential of their business.

OUR SERVICES

New Business Packages:

Business Setup

$150 + GST

  • ABN registration via Australian Business Register 
  • GST registration (if required) 

Finance Setup

$500 + GST

  • Accounting software setup (Xero) 
  • Chart of accounts tailored for trades
  • Bank feed connection 


Finance Support Packages:

Package 1: The Compliance Starter

$450 + GST (Per Month)

The Bookkeeping and BAS sorted


  • Weekly Bank Reconciliation (1 Bank + 1 Credit Card).
  • Quarterly BAS Preparation & Lodgement.
  • Receipt processing (Limit 20/mo).
  • Single-Director Payroll (No employees).

Package 2: The Compliance Anchor

$850 + gst (per month)

 Total ATO Safety & Accurate Data. 


  • Everything in Starter + Up to 4 Bank/Credit accounts.
  • Monthly Superannuation & TPAR processing.
  • Standard Monthly Reports (P&L, Balance Sheet).
  • Basic Payroll (Up to 2 employees).

Package 3: The Growth Partner

$1,750 + gst (per month)

 Visibility over your Margins & Cash Flow. 


  • Everything in Package 2.
  • Full Payroll Management (Up to 10 employees) + STP Phase 2.
  • Monthly Margin Analysis: We identify which jobs are making money and which are leaking it.
  • Strategic Quote Analysis: We help you understand your 'True Breakeven' so you quote with confiden
  • 30-Min Monthly Strategy Call: Real-time review and forward planning advice

Package 4: The Virtual CFO

$3,500 + GST (per month)

 Big-Business Strategy for your Trade Empire 

 

  • Everything in Package 3.
  • Custom 12-Month Rolling Cash Flow Forecast.
  • Budget vs. Actuals Analysis.
  • Priority Strategic Access.


Financial Health Review:

Get the Blueprint to a More Profitable Business

$1,500 + GST

Most trade businesses don't fail for lack of work—they fail for lack of margin. Our Financial Health Check is a deep-dive diagnostic designed to find the cash leaks, identify risks, and reclaim your time.

 

You’re winning tenders, the guys are on-site, and the revenue is flowing. But at the end of the month, the cash just isn't there.

  • Are your jobs actually profitable?
  • Is the ATO a ticking time bomb?
  • Are you "too busy" to grow because you're drowning in manual admin?

3-Page Impact Report

We perform a forensic review of your business DNA to see exactly where you are losing money and how to stop it.

  • The Leak Detector: We review your last 5 jobs to find unbilled variations and "scope creep" that are killing your margins.
  • The True Break-Even: We calculate your real hourly overhead so you never under-quote a job again.
  • The Risk Shield: A full audit of your Super, BAS, and WorkCover compliance to keep the regulators off your back.
  • The Cash Gap Analysis: We identify why the money is stuck in your "Work in Progress" and how to get it into your bank account faster.

What you Get:

Professional Insights. Zero Fluff! At the end of this review, you receive a 2-3 Page Strategic Roadmap including:


  1. A Financial Health Score: A clear 1-10 rating of your current stability.
  2. Top 3 Immediate Wins: Low-hanging fruit to increase your cash flow this week.
  3. The "Hidden Profit" Figure: The total dollar value of the leaks we’ve identified for you to reclaim.

Stop Flying Blind

Don’t wait for tax time to find out
Book Your Health Check Now

we would love to help your business. Get in touch!

Al & Bel Consulting

Rochedale South QLD, Australia

P: 0489 222 369 E: info@alandbel.com.au

Hours

Open today

07:00 am – 05:00 pm

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  • ABOUT US
  • SERVICES
  • Hourly Rate Check
  • Profit to Cash
  • Contractor vs Employee
  • CONTACT US

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