Our Virtual CFO service gives you access to business insights and strategic advice for small to medium businesses that would otherwise be inaccessible.


We oversee accurate and timely reporting with valuable foresight which helps you achieve your goals.


We become part of your team with a very real presence, making it easy to improve financial literacy across your whole business

We can help you plan business growth, business exit or pursuit of new opportunities.


Are you finding it challenging to understand where you stand financially?  Whether it is profitability, balance sheet strength, cash flow management or borrowing requirements we can help give you the information you need to be decisive in language that you can understand.


We help you understand the levers that impact your business, so that you can forecast and budget for the future. If you haven't been able to develop a budget or forecast, because there are too many moving parts – leave it to us. 


We have helped numerous businesses pull together realistic and accurate forecasts and budgets in volatile trading environments.


Have you ever found it difficult to deliver on operational strategies because you can’t work out how, when or even if a new project is going to be a financial success?


We specialise in helping you refine your business strategy and planning for the financial journey of a strategic shift.


If you have ever looked at your financial statements and only had the context of this year vs last year and found that lacking. We provide detailed analysis to help identify and measure risk, tie back operational action to financial outcomes and increase accountability.


One of our key roles in operating as your virtual CFO is to help you refine your processes and systems around the finance function. This often extends into the operational systems and processes, particularly in capturing data.


We provide innovative business advisory services helping you to focus on what is outside of the box.

Fixed fee services makes it easy for you to always have an Advisor at your fingertips without the fear of  hidden costs. 

Whether you are looking to acquire property, getting your business ready for growth or developing a succession plan, we provide easy to understand advice that is timely and impactful.

  • Strategy Reviews

  • Business Valuations

  • Buying and Selling a Business

  • Strategy Reviews

  • Business Valuations

  • Buying and Selling a Business



Surprise, we are an accounting practice. We know what we are doing when it comes to the preparation of financial statements and income tax returns. We could list these out to nail down some SEO credit, however if you are in the market for these services, you know what we’re talking about.

So how are we different – we don’t bill by the six-minute increment. We back ourselves to understand what’s involved and deliver to meet both your and our expectations of quality and timeliness.

We focus on strategies to minimise your overall tax burden, help you maximise the benefit within your existing business structure or help you improve your business structure.



Newcastle | Hunter Valley


PH: 0403 996 957


PH: 0403 996 957

E: admin@balance123.com.au

© 2018 by Balance 123 Accounting & Advisory

Liability limited by a Scheme approved under Professional Standards Legislation.