Why Profitable Businesses Still Run Short at Month-End
Many wholesalers, retailers, and manufacturers experience a shortage of working capital, even when revenue remains steady. The issue is often not sales or turnover, but timing: how long cash stays tied up inside the operating cycle. When customers pay later than expected, and suppliers require payment before stock has been sold, the resulting timing gaps […]
Payroll Under Pressure: SA’s SMB Survival Guide 2026
South Africa’s economy in 2026 presents a complex picture: inflation is moderating, yet the pressures on small and medium-sized businesses (SMBs) are anything but easing. From ballooning salary budgets to sophisticated payroll fraud and an evolving cyber threat landscape, lean business teams are being asked to do more with less, all while navigating tighter compliance […]
Waarom besigheid eienaars aandag aan opvolgbeplanning moet gee
Met slegs 30% van familie besighede wat tot die tweede geslag oorleef, is die tyd om op te tree lank voor jy gereed is om weg te tree. Elke besigheid eienaar bereik ‘n punt waar die vraag verskuif van “hoe laat ek dit groei?” na “wat gebeur as ek weg is?” Vir entrepreneurs wat aftrede […]
Geskenke Belasting
Suid-Afrikaanse inwoners wat enige geskenke, lenings reëlings of oordrag bates onder markwaarde daarvan gedoen het, behoort die volgende te oorweeg: Geskenke belasting word gehef op enige vrywillige geskenk wat deur ‘n skenker geskenk word sonder om iets in ruil daarvoor te verwag. Skenkings word beskou as enige gratis kwytskelding of afstanddoening van ‘n reg en […]
20% of Nothing Is Still Nothing
Despite repeated warnings, Ponzi schemes continue to trap the unwary. Just pause to consider the following headline run in the venerable Financial Times in November 2020: “Investors lose £657 million to fraud.” That’s just in the 12 months to September 2020, up 28% from the year before. Even before the full impact of COVID-19 was […]
Common Tactics Fraudsters Use in Insurance
Insurance fraud costs the global economy billions annually, and South Africa has not been immune to this issue. In fact, in 2024 alone, South Africa’s insurance industry lost an estimated R8 billion due to fraudulent claims, according to the South African Insurance Crime Bureau (SAICB). Understanding the red flags associated with insurance fraud, and staying […]
Kubermisdaad – Maak dood seker voor jy betaal
Kubermisdaad word meer gesofistikeerd. Deur besigheid e-posse te onderskep, bedrieg hulle jaarliks miljarde rande suksesvol. Hoe werk dit? Bedrieërs sal ‘n e-posrekening “hack” deur “phishing”. Die slagoffer word mislei om hul gebruikersnaam en wagwoorde bekend te maak. Sodra bedrieërs toegang tot die e-posrekening het, sal hulle filter reëls opstel om e-posse wat verband hou met […]
2024 is nie net ‘n verkiesingsjaar nie. Dis dalk DIE verkiesingsjaar.
Die jaar 2024 is opvallend vir die groot aantal verkiesings, met agt van die wêreld se 10 mees bevolkte lande (Bangladesj, Brasilië, Indië, Verenigde State, Indonesië, Pakistan, Rusland, Mexiko) wat gaan stem. Lande wat byna die helfte van die wêreld se mense huisves, sal in 2024 verkiesings hou. Wêreldwyd sal meer kiesers as ooit in […]
Alles wat u moet weet oor Voordelige Eienaarskap CIPC opgawes (“Beneficial Ownership”)
Wat is die wetlike vereistes? Op 29 Desember 2022 het die Suid-Afrikaanse regering die Wysigingswet op Algemene Wette (Anti-Money Laundering and Combating Terrorism Financing) 22 van 2022 gepubliseer, insluitend wysigings aan die Maatskappywet 71 van 2008 wat op 1 April 2023 in werking getree het. Hierdie wysigings sluit in die vereiste om ‘n register van […]
Signs of a scam
These are some of the red flags of an investment scam. No company registration number or certificate that could be verified. No licence issued by a financial regulator anywhere in the world (crypto companies are generally unregulated, but they will still have company registrations, offices, phone numbers and credible directors with a track record of […]