Business Details
12 Years
experience
Trusted Accountants for Small Business Growth
At CBQ Financial Services, we are dedicated to empowering small businesses through strategic financial management and tax optimization. Founded in 2014 by Justin Gray, our firm combines corporate expertise with a personalized approach to deliver tailored solutions for startups, growing enterprises, and established businesses. Our team specializes in minimizing tax liabilities using strategies typically reserved for large corporations, while providing transparent pricing and unlimited communication to ensure clients maintain full control of their financial health. With a focus on innovation and technology-driven efficiency, we offer monthly financial reporting, cash flow analysis, and growth-oriented planning to help businesses achieve measurable improvements.Our commitment to integrity and continuous learning ensures clients receive up-to-date advice aligned with evolving industry standards. By exclusively serving small businesses, we maintain deep specialization in sectors including trade and construction, e-commerce, and allied health. Our proven track record includes saving clients over $1 million in taxes during the 2020 financial year alone, demonstrating our ability to transform financial challenges into opportunities for sustainable growth.
Services
Tax Returns
Bookkeeping
Financial Reporting
Business Planning
Cash Flow Management
Tax Minimization
BAS/IAS Lodgement
Succession Planning
Details
- Year established: 2014
Highlights and features
- We offer corporate-level tax strategies tailored for small businesses
- Our team exclusively serves small business owners for specialized expertise
- We provide personalized financial advice with no hidden charges
- We guarantee transparent pricing with unlimited communication
- We implement technology-driven solutions for accounting efficiency
What people say
Compassionate professionalism
Exceptionally knowledgeable
Person-centred approach
Fantastic reliable service
First class advice
Services
Tax Minimization
Our tax minimization service helps small businesses legally reduce their tax liabilities through strategic planning and implementation of corporate-grade strategies. We analyze your financial situation to identify legitimate deductions and credits while ensuring full compliance with tax regulations. This service includes ongoing tax planning and implementation of structures that optimize your business's tax position throughout the financial year.
Financial Reporting
We provide comprehensive financial reporting services that give business owners clear visibility into their financial position. Our monthly reports include profit and loss statements, balance sheets, and cash flow analyses presented in an easy-to-understand format. These reports help identify trends, track performance against budgets, and support data-driven decision-making for business growth.
Business Planning
Our business planning service helps entrepreneurs develop clear roadmaps for growth and sustainability. We work with clients to create strategic plans that include financial forecasting, key performance indicators, and actionable milestones. This service ensures businesses maintain financial control while implementing growth initiatives and adapting to changing market conditions.
Bookkeeping
We offer complete bookkeeping services that maintain accurate financial records for small businesses. Our system tracks income and expenses, manages accounts payable and receivable, and ensures proper documentation for tax purposes. This service allows business owners to focus on operations while we maintain organized financial records that support compliance and strategic decision-making.
Cash Flow Management
Our cash flow management service helps businesses maintain healthy financial operations through proactive monitoring and planning. We implement systems to track cash movements, identify potential shortfalls, and optimize working capital. This service includes regular cash flow forecasting and strategies to improve liquidity while supporting business growth objectives.
People
Justin Gray
Founder & Principal Adviser
Justin Gray founded CBQ Financial Services in 2014 after working as a manager at a leading mid-tier accounting firm in Melbourne. He specializes in helping small businesses reduce tax liabilities through strategic financial planning and implementation of corporate-grade tax strategies. With over a decade of corporate experience and a passion for technology-driven solutions, Justin focuses on empowering small business owners to achieve financial success.
Kim Gray
Co-Founder & Director
Kim Gray co-founded CBQ Financial Services and brings over 30 years of tax and business expertise to the firm. While maintaining a reduced role in recent years, Kim continues to contribute valuable industry knowledge and experience to support the firm's clients. His extensive background in accounting and business advisory services forms a strong foundation for the company's service offerings.
Questions
What accounting services do you offer for small businesses?
We provide tax returns, bookkeeping, financial reporting, business planning, cash flow management, and tax minimization strategies tailored to small businesses.
How can you help reduce my business tax?
We implement corporate-grade tax strategies to legally minimize liabilities, including strategic planning, deductions optimization, and structure reviews throughout the financial year.
Do you work with businesses in specific industries?
We specialize in serving trade and construction, e-commerce, allied health, and fitness industry businesses with tailored financial solutions.
What technology do you use for accounting services?
We utilize Xero accounting software and electronic signature tools for efficient, technology-driven financial management and client communication.
How are your fees structured?
We offer transparent fixed pricing with unlimited communication, ensuring no surprise invoices or additional charges for emails and calls.
Can you help with business growth planning?
Yes, we provide financial forecasting, KPI development, and strategic planning services to support sustainable business growth and expansion.
Videos
