Chartered Business Accountant in Commerce · QuickBooks ProAdvisor
External management accountant services, shaped to your business.
The two things that carry a business are its people and its systems and procedures. Get those wrong and everything else fails.
Start a conversation Where I fitHow I work
Most businesses already have staff who are loyal, dependable and care about getting it right.
What they've never had is someone experienced to learn from. That's the gap I fill — advising, correcting, and holding a procedure in place until it's habit.
Control stays with you
Everything sits in your accounts, in your name, documented. You can see where every number comes from and take the work back at any point.
I speak both languages
You explain your business the way you run it. I turn that into the terms your accountants, auditors and bank need to see, without the meaning getting lost on the way.
Procedures get enforced
A procedure nobody follows is worse than none at all. I raise what's slipping early and hold the standard until it holds on its own. And if your current setup works, we keep it.
Where I fit
Whatever the business is short of.
Some businesses need a person, some need structure, some need one problem solved. The scope is set around what's missing, and priced for what it is.
I back them up
Your team stays the face of finance. I'm behind them — setting up what they work in, reviewing what comes out, and handling the technical end, so the business stops depending on one person quietly knowing everything.
I take on the role
I sit in the seat and do the work — processing, payroll, submissions, month-end, reporting. Working in it is how I see where things actually break. While I'm there I build the structure and procedures underneath it, so the role is a defined job by the time you appoint someone.
I take on the task
One job that's been sitting because nobody has the time or the skill for it — a clean-up, a migration, a set of accounts, a system that needs building. I'll take that on its own, with a clear scope and a fixed price.
How it works
Understand it, build it, run it with you.
No standard package. We start with what you already have and shape the rest around it.
I take the role on
I start by doing the work rather than reviewing it — learning your operations, finding the gaps and duplicated effort, and checking what you're paying for. Then we agree a plan and what it costs.
Structure, policies and procedures
Chart of accounts, reporting structure, written policies and approvals, and a documented procedure for every recurring task — with the systems set up to match.
Training and skills transfer
Your staff know the business; I make sure they know the system too. Hands-on training in your own live data, and a clear owner for every recurring task.
The ongoing role
Month-end close, reporting, a second pair of eyes on submissions and cover during leave — including holding the seat until you're ready to hire, with a handover pack when they start.
What I can take on
The full range of a finance department.
Not every business needs all of it — draw on the whole function or a single piece.
Accounting and reporting
- Monthly management accounts
- Annual financial statements
- Board and audit committee reporting
- Budgets and financial projections
- Break-even and margin analysis
- Cash flow and working capital
- Group and intragroup transactions
Compliance and tax
- VAT and PAYE returns
- Provisional and personal tax
- SARS disputes, verifications, registrations
- Audit facilitation with external auditors
- Internal controls and accounting policies
- Risk management compliance programmes
Payroll and people
- Payroll processing and payslips
- EMP201, UIF, UI-19 and IRP5
- Payroll system setup and migration
- Training staff and building development plans
- Recruitment and screening support
Systems and data
- System selection and implementation
- Data migration between systems
- Power BI dashboards and reporting
- Excel models, recons and analysis
- Stock control and inventory recons
- Process automation and workflow design
Year-end and audit
Ready before the auditors arrive.
I wrap up the full yearly set of accounts — every account in your chart reconciled, with the schedule behind each balance — into the audit file your accountants or auditors actually need.
I've worked both sides of that table. Most owners know their operation inside out but not in the language an audit runs in, and that gap is where the wrong conclusions get drawn. So we go through the file together before it goes across: queries get answered while they're still cheap to fix, and the auditors start clean instead of with a list of questions.
Data
Data that answers the actual question.
No two companies structure their data the same way, so I learn how your system captured it and what each field really means before trusting a figure that comes out of it — that's where most reports quietly go wrong. From there: large sets pulled apart, tied back to source, and built into something that answers the question you asked and runs again next month. Excel does the heavy lifting, with AI-assisted tools on volumes too big to work through by eye.
About
Who you'd be working with.
Bernice Kruger
Management Accountant · Chartered Business Accountant (CIBA)
I started in bookkeeping in 2010 and moved into a management accountant role in 2016, which carried oversight of and responsibility for the finance department. In 2025 I moved out of full-time employment into external consulting. My experience covers board reporting, intragroup work, forex, stock, payroll, SARS and systems — with exposure to a wide range of different environments and systems.
Qualifications
- Chartered Business Accountant in Commerce CIBA
- BCompt Honours in Management Accounting UNISA · 2023
- BCompt, Bachelor of Accounting Science UNISA · 2016
- Data Analytics and Governance for Finance Managers CIBA · Regenesys, 2025
- Certified QuickBooks ProAdvisor Intuit
Experience
- 2026 — present Accounting Assistant, contract Dye Star Transportation Group, USA
- 2025 — present External Accountant Consultant Harzel Group · Alchemy Financial Services · Fleisherei Group
- 2016 — 2025 Management Accountant Harzel Group — broker, prop firm and trading education
- 2010 — 2016 Bookkeeper Volcanic Waters Trust — procurement and supply
Get in touch
Tell me how finance runs now.
A short conversation is usually enough to see where the pressure is and what a workable solution would look like. No obligation either way.