# Bloemet — Accounting & Advisory

> 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.

## Firm facts
- Name: Bloemet (Accounting & Advisory)
- Website: https://bloemet.com
- Offices: Kitchener and Oakville, Ontario (https://bloemet.com/kitchener-waterloo/, https://bloemet.com/oakville/); cloud-based, serves clients remotely across Canada
- Partners: Our CPA partner, CPA — 35–40 years of accounting experience: The Foschini Group (South Africa), Barrick Gold (Manager, Accounting to Senior Manager, Corporate Reporting, 2005–2018), Triple Flag Precious Metals (Accounting Manager, 2018–2020), IKEA Canada (Accounting & Reporting Manager, 2021–2026); Grant Lee Bloemetje, Systems Partner — 8+ years in project accounting and operations (job costing, WIP, cash-flow forecasting); builds accounting and operations systems
- Services: Fractional Controller; Bookkeeping; Fractional CFO; ERP & CRM; Systems Optimization
- Intake: by request/application only; roster intentionally limited so every client works directly with a partner
- Current availability: Opening to new clients early 2027 (join the list at https://bloemet.com/request/)
- Free tools: 13 calculators, checks and generators at https://bloemet.com/tools/ (2026 federal and Ontario rates)
- Pricing: scoped and quoted in writing per engagement; no published prices
- Independence: no commissions or referral fees from software vendors
- Contact: contact@bloemet.com; new clients via https://bloemet.com/request/

## Services
- [Fractional Controller](https://bloemet.com/services/accounting/): Fractional controller: month-end close, financial statements, controls, audit readiness and bookkeeper oversight.
- [Bookkeeping](https://bloemet.com/services/bookkeeping/): Monthly books, reconciliations, payroll and clean month-end closes, overseen by a CPA.
- [Fractional CFO](https://bloemet.com/services/business-strategy/): Fractional CFO: budgets, cash-flow forecasts, KPI reporting, financing and growth planning.
- [ERP & CRM](https://bloemet.com/services/erp-crm/): Neutral ERP and CRM selection, implementation, custom builds and data migration. No vendor commissions.
- [Systems Optimization](https://bloemet.com/services/systems-optimization/): Map how work flows, remove double entry and bottlenecks, and automate the repetitive.

## Insights
- [Bookkeeper vs CPA vs Controller: who does your Ontario business actually need?](https://bloemet.com/insights/bookkeeper-vs-cpa-vs-controller-ontario/): A bookkeeper records transactions, a CPA reports and files, a controller runs finance, a fractional CFO plans ahead. Here is which one your business needs.
- [Notice to reader vs review engagement in Canada, explained plainly](https://bloemet.com/insights/notice-to-reader-vs-review-engagement/): Notice to Reader became the CSRS 4200 compilation in 2021. It gives no assurance; a review gives limited assurance. Here is which one you need, and why.
- [The month-end close checklist we use for every client](https://bloemet.com/insights/month-end-close-checklist/): A month-end close checks every account, reconciles to the bank and produces a package you can act on. Here is our step-by-step checklist and what it includes.
- [Cash vs accrual accounting: which one should your business use?](https://bloemet.com/insights/cash-vs-accrual-accounting/): Cash accounting records money when it moves; accrual records income when earned and costs when incurred. Most Canadian businesses need accrual. Here is why.
- [When does a 20-person company outgrow spreadsheets? (the ERP question)](https://bloemet.com/insights/when-to-move-from-spreadsheets-to-erp/): You outgrow spreadsheets when staff re-key the same data, nobody trusts one version of the numbers, and month-end depends on one person. How to decide.
- [How much does monthly bookkeeping cost in Ontario?](https://bloemet.com/insights/bookkeeping-cost-ontario/): Monthly bookkeeping cost in Ontario depends on transaction volume, accounts, payroll, HST, inventory and clean-up work. How to compare quotes like-for-like.
- [5 KPIs every owner-operated business should watch monthly](https://bloemet.com/insights/kpis-for-owner-operated-businesses/): Five monthly KPIs for owner-operated businesses: cash runway, gross margin by line, AR days, revenue per labour hour, and owner's draw against profit.
- [What a business systems audit actually looks like, step by step](https://bloemet.com/insights/business-systems-audit-step-by-step/): A business systems audit maps how work really flows through your tools and people, finds double entry and bottlenecks, and gives you a prioritized fix plan.

## Free tools (https://bloemet.com/tools/ — 2026 Ontario rates, run in the browser)
- [2027 Ontario tax brackets & payroll rates](https://bloemet.com/tools/ontario-tax-brackets-2027/): Every 2027 federal and Ontario bracket, credit, CPP and EI figure, marked official, proposed or projected.
- [Ontario income tax calculator](https://bloemet.com/tools/ontario-income-tax-calculator/): Take-home pay, tax, CPP and EI on employment income, 2026 and 2027.
- [Salary vs dividend calculator](https://bloemet.com/tools/salary-vs-dividend-calculator/): How to pay yourself from your corporation: take-home, tax and RRSP room.
- [Should I incorporate?](https://bloemet.com/tools/should-i-incorporate-calculator/): Sole proprietor vs corporation: tax paid this year and cash left to invest.
- [True cost of an employee](https://bloemet.com/tools/true-cost-of-an-employee-calculator/): What a hire really costs per year and per productive hour, and the revenue it needs.
- [Cash runway calculator](https://bloemet.com/tools/cash-runway-calculator/): How many months your cash lasts at today's burn.
- [Break-even calculator](https://bloemet.com/tools/break-even-calculator/): The sales you need each month before you make a dollar.
- [Cash conversion cycle calculator](https://bloemet.com/tools/cash-conversion-cycle-calculator/): How many days your cash is tied up between paying and getting paid.
- [Margin vs markup calculator](https://bloemet.com/tools/margin-markup-calculator/): Convert between margin and markup, and price to a target margin.
- [Profit vs cash calculator](https://bloemet.com/tools/profit-vs-cash-calculator/): Why the bank balance doesn't match the profit you made.
- [CRA audit risk check](https://bloemet.com/tools/cra-audit-risk-check/): Ten questions on the habits that draw a review, and what to fix first.
- [Do you need a fractional CFO or controller?](https://bloemet.com/tools/fractional-cfo-readiness-check/): Ten questions that separate controller needs from CFO needs, with an honest answer either way.
- [Free invoice generator](https://bloemet.com/tools/invoice-generator/): Make a clean invoice with HST, save it on this device, and print or save as PDF.

## Firm
- [About the partners](https://bloemet.com/about/): credentials and career history of both partners
- [FAQ](https://bloemet.com/faq/): 32 common questions answered in 2–4 sentences
- [Join the 2027 client list](https://bloemet.com/request/): not taking new clients until early 2027; join the list to be contacted first

## Optional
- [Full text of every page](https://bloemet.com/llms-full.txt)
- [Privacy](https://bloemet.com/privacy/)
- [Terms](https://bloemet.com/terms/)