Consult
01You send a request. A partner reads it personally and, if there is a fit, arranges an introductory call. Requests sent before we open in early 2027 are reviewed first.
Accounting & AdvisoryKitchener · Oakville · Across Canada
New 2027 Ontario tax brackets & payroll ratesNumbers that help
you grow.
We take care of your month-end close.forecasting.bookkeeping.financial statements.monthly reporting.audit readiness.cash-flow forecast.job costing.CRM & ERP.business systems.
- Fractional CFO & controller
- Formerly Barrick Gold · Triple Flag · IKEA Canada
- Two partners, no hand-offs
- Opening to new clients early 2027
We provide accounting, bookkeeping, year-end financial statements, corporate tax (T2), HST/GST, payroll, month-end close, cash-flow forecasting, KPI reporting, fractional CFO advice, ERP and CRM setup, process automation and systems audits.
Bloemet is a boutique, cloud-based fractional CFO and controller practice with offices in Kitchener and Oakville, Ontario, serving clients across Canada. Two partners, a CPA with decades of corporate accounting and reporting experience and an operations accountant who builds business systems, work directly with every client. Not taking on new clients until early 2027.
Sample of the monthly report clients receive. Not client data.
From the first ledger to the board-level forecast, one of two partners handles your file personally. No junior hand-offs, no call centre.
Fractional controller and CFO work, CPA-led bookkeeping, and the ERP, CRM and systems work that keeps the numbers clean.
The free toolkit · 2026 & 2027 ratesAll 13 tools →
Know your numbers. Free, for everyone.
We open to new clients in early 2027. Until then, we are putting what we know into tools anyone can use: income tax, salary vs dividend, whether to incorporate, the true cost of a hire, cash runway, a CRA audit check and an invoice generator. Each runs in your browser and explains its working.
01 · Reference
2027 Ontario tax brackets & payroll rates
Every 2027 federal and Ontario bracket, credit, CPP and EI figure, marked official, proposed or projected.
Open the tool →02 · CalculatorOntario income tax calculator
Take-home pay, tax, CPP and EI on employment income, 2026 and 2027.
Open the tool →03 · CalculatorSalary vs dividend calculator
How to pay yourself from your corporation: take-home, tax and RRSP room.
Open the tool →05 · CalculatorTrue cost of an employee
What a hire really costs per year and per productive hour, and the revenue it needs.
Open the tool →11 · Self-checkCRA audit risk check
Ten questions on the habits that draw a review, and what to fix first.
Open the tool →13 · GeneratorFree invoice generator
Make a clean invoice with HST, save it on this device, and print or save as PDF.
Open the tool →OurServices
Year-end package6 / 6
- Balance sheet
- Income statement
- Notes — basis of accounting
- Compilation engagement report
- T2 corporate return
- CRA correspondence log
CRM pipelineOne record
Enquiry
Quote
Job
Invoiced
Invoice posts to the books automatically
Process mapAfter
EnquiryCRM
Quote → jobno re-typing
Invoiceposted automatically
Month-end closeCPA-reviewed
Fractional controller: month-end close, financial statements, controls, audit readiness and bookkeeper oversight.
Learn more →Monthly books, reconciliations, payroll and clean month-end closes, overseen by a CPA.
Learn more →Fractional CFO: budgets, cash-flow forecasts, KPI reporting, financing and growth planning.
Learn more →Neutral ERP and CRM selection, implementation, custom builds and data migration. No vendor commissions.
Learn more →Map how work flows, remove double entry and bottlenecks, and automate the repetitive.
Learn more →Process(BL — 01)
With you at every step
No surprises on scope or fee. You know what we will do, and what it costs, before we start. The partner who reads your books is the person you talk to.
Diagnose
02We look at your books, your systems and how work actually flows, so the proposal is built on facts.
Propose
03A written proposal sets out scope, deliverables and fee. Nothing starts until you agree to it.
Execute
04The partner who scoped the work does the work, and stays your contact for as long as we work together.
The partners01 / 02
Work you can hold in your hand
A close package every month
Reconciled, reviewed and signed off, to a standard your year-end accountant does not have to redo.
The checklist →A cash forecast you can plan around
Thirteen weeks ahead, rolled forward weekly, so the low point is visible before it arrives.
Strategy →One page of numbers that matter
A short monthly page of the measures that move your business, and a conversation about what they mean.
The five KPIs →Illustrative formats only. Never client data.
Latest insightsView all insights →
Latest guide · Accounting · 8 min
Bookkeeper vs CPA vs Controller: who does your Ontario business actually need?
- A bookkeeper records what happened. A CPA interprets it, reports it and files it. A controller owns the finance function day to day. A fractional CFO helps decide what happens next.
- Most owner-managed Ontario businesses need a reliable bookkeeper and a CPA long before they need a controller.
- “CPA” is a protected designation in Ontario. “Bookkeeper” is not. Ask what training and standards stand behind the title.
Notice to reader vs review engagement in Canada, explained plainly
- Notice to Reader (Section 9200) was replaced by CSRS 4200, Compilation Engagements, for periods ending on or after 14 December 2021.
- A compilation gives no assurance. A review engagement (CSRE 2400) gives limited assurance. An audit gives reasonable assurance.
- In Ontario, review and audit engagements must be performed by a public accounting licence holder.
The month-end close checklist we use for every client
- A month-end close is the routine that turns a month of transactions into numbers you can rely on: everything recorded, every account reconciled, the period locked.
- Reconcile every balance sheet account, not just the bank. Errors hide in receivables, payables, HST and shareholder loans.
- Do the steps in the same order every month. Cash first, then revenue and expenses, then accruals, then review.
Cash vs accrual accounting: which one should your business use?
- Cash accounting records income when money arrives and expenses when money leaves. Accrual accounting records income when it is earned and expenses when they are incurred.
- For income tax, Canadian businesses are generally required to use the accrual method. Corporations should assume accrual.
- Farming and fishing businesses may use the cash method for tax, and CRA allows it for some self-employed commission agents. Ask before you assume you qualify.
When does a 20-person company outgrow spreadsheets? (the ERP question)
- Company size alone does not tell you when to move. Re-keying, version conflicts and dependence on one person do.
- There are three routes: off-the-shelf, configured, and custom. Most owner-operated businesses belong in the first two.
- An implementation is mostly process and data work, not software work. Plan your own team's time accordingly.
How much does monthly bookkeeping cost in Ontario?
- Bookkeeping cost is driven by workload and complexity: transaction volume, accounts, payroll, sales tax, inventory, clean-up work, software and reporting frequency.
- The three common pricing models are hourly, fixed monthly and value-based. Each suits a different situation.
- The lowest quote often excludes reconciliations, adjustments or year-end support, and those costs arrive later.
5 KPIs every owner-operated business should watch monthly
- Five KPIs cover most of what an owner-operator needs monthly: cash runway, gross margin by line, accounts receivable days, revenue per labour hour, and owner's draw against profit.
- Each KPI is only as good as the books behind it. Reconciled, accrual-based monthly figures come first.
- Compare each KPI to your own trend and your own terms, not to generic industry averages.
What a business systems audit actually looks like, step by step
- A business systems audit maps how work really flows through your people, tools and data, then identifies where time and accuracy are lost.
- It follows a fixed sequence: scope, inventory, interviews, process mapping, data tracing, analysis, prioritization and a written report.
- Typical findings are ordinary and fixable: double entry, manual re-keying, approvals buried in email, and spreadsheets doing a system's job.
Oct 10Accounting · 8 min
Bookkeeper vs CPA vs Controller: who does your Ontario business actually need?
Oct 10Accounting · 8 minNotice to reader vs review engagement in Canada, explained plainly
Oct 10Bookkeeping · 7 minThe month-end close checklist we use for every client
Oct 10Bookkeeping · 7 minCash vs accrual accounting: which one should your business use?
Oct 10Systems · 8 minWhen does a 20-person company outgrow spreadsheets? (the ERP question)
Oct 10Bookkeeping · 8 minHow much does monthly bookkeeping cost in Ontario?
Oct 10Strategy · 8 min5 KPIs every owner-operated business should watch monthly
Oct 10Systems · 8 minWhat a business systems audit actually looks like, step by step
→All guidesPlain-language guides for Ontario owners, new every two weeks
A limited roster. Opening early 2027.
We are not taking on new clients right now. Join the list and a partner will read about your business before we open. List members hear first.
Join the 2027 client listOpening to new clients early 2027