Are your small business systems ready for flexible work?

Flexible work is no longer a new idea for many Australian businesses. For some teams, working from home is part of the usual weekly routine. For others, it only happens when someone is travelling, unwell, caring for family, or needs a quiet day to get through focused work.

Either way, the question for business owners has changed. It is no longer about whether remote work exists. It is about whether your small business systems can support people working from different locations without creating delays, gaps, duplicate admin or unnecessary risk.

If payroll relies on one person being in the office, supplier invoices sit in someone’s inbox, receipts are still being passed around manually, or approvals only happen when someone remembers to ask, flexible work can become harder than it needs to be.

A staff member working from home should not stop bookkeeping, payroll, approvals, reporting or cash flow tasks from moving forward. This is where the right systems matter. Cloud bookkeeping, connected apps, clear processes and reliable support can help your business keep operating whether your team is in the office, at home, or spread across several locations.

Why flexible work needs reliable systems behind it

Flexible work can support staff retention, recruitment and day-to-day productivity, especially when the work can be done from different locations. It can help a business keep good people through changes in family responsibilities, travel, relocation or other personal circumstances.

However, flexible work only works well when the business has structure behind it. If your systems are messy in the office, they are usually harder to manage when people are working remotely.

Common issues include:

1. Invoices waiting for approval because the process is unclear
2. Payroll information being sent through different channels
3. Receipts missing from the accounting software
4. Bank reconciliations falling behind
5. Supplier payments being delayed because only one person knows the process
6. Staff using different versions of the same document
7. Business owners not having access to current numbers when they need them

These issues do more than create admin frustration. They can affect cash flow, payroll accuracy, supplier relationships and business decision-making. When a business owner cannot easily see what has been invoiced, what has been paid, what is due, and what still needs attention, it becomes harder to manage the business properly.

Start with payroll, bookkeeping and approvals

Before allowing work to happen across multiple locations, it is worth reviewing how your business actually operates. This does not need to be complicated, but it does need to be practical.

Start with the work that must happen on time.

Payroll is a good example. If timesheets, leave requests, pay approvals or superannuation information are handled manually, there is a higher risk of delays and mistakes. Your team needs to be paid correctly and on time, regardless of where the person processing payroll is working from.

Bookkeeping is another area to review. If receipts, supplier invoices, bank transactions or approvals are sitting outside your accounting software, it can be difficult to keep your records accurate. This can affect BAS preparation, reporting, cash flow planning and your ability to answer simple questions about the business.

You may also need to review:

1. Who has access to each system
2. How invoices are approved
3. How timesheets are submitted
4. How payroll changes are recorded
5. How staff expenses are captured
6. How supplier payments are scheduled
7. How financial documents are stored
8. How reporting is completed each month
9. How backup support works when someone is away

The goal is to make sure the business does not rely on memory, inboxes or one person knowing how everything works.

Review your business apps before adding more software

Business apps can make flexible work much easier, but only when they are chosen and set up properly.

For many businesses, cloud accounting software is the starting point because it gives the right people access to current financial information. From there, connected apps may support payroll, rostering, time tracking, job management, inventory, document collection, approvals and reporting.

The important part is choosing apps that suit the way your business works. Adding more software does not automatically fix the problem. In some cases, it creates more admin because the systems do not share information properly, or staff are unsure which tool to use for each task.

A better approach is to review your current process first.

Ask yourself:

1. What is being done manually?
2. Where are mistakes happening?
3. Which tasks are being repeated?
4. Where does information get stuck?
5. Which reports are difficult to produce?
6. Which processes rely too heavily on one person?

Once you understand those issues, it becomes easier to choose apps that reduce manual handling, improve accuracy and give better visibility across the business.

First Class Accounts Ovens & Murray provides business app advisory and implementation support to help business owners assess their current systems, choose suitable apps, and set them up properly. This can include app selection, integration support, training and ongoing process improvement.

Keep business information secure

Remote and flexible work can also increase the need for stronger cyber safety practices. If staff are accessing business systems from home, while travelling, or from different devices, you need to know how business information is being protected.

This may include:

1. Using secure passwords and multi factor authentication
2. Limiting access to the systems each person actually needs
3. Removing access quickly when someone leaves the business
4. Keeping software and devices updated
5. Making sure business data is backed up
6. Avoiding public internet connections for sensitive business tasks
7. Having clear rules for saving and sharing documents
8. Checking that personal devices are not being used in risky ways

Cyber safety does not sit separately from your bookkeeping and payroll processes. Payroll records, supplier information, customer details, bank data and employee information all need to be handled carefully.

When the right systems and access controls are in place, your team can work more flexibly without creating unnecessary risk.

Make communication and responsibilities clear

Good communication still matters, but communication alone will not fix poor systems.

If your team is working across different locations, expectations need to be written down. This helps people understand what needs to happen, when it needs to happen, and who is responsible.

For example, your business may need clear expectations around:

1. When timesheets are due
2. Who approves leave
3. Who approves supplier invoices
4. How urgent payroll changes are submitted
5. Where financial documents are saved
6. How often bookkeeping tasks are completed
7. Who checks reports before key payment dates
8. What happens when the usual person is unavailable

It is also worth setting expectations around communication. Email, phone, video meetings and messaging platforms all have a place, but they need to be used in a way that supports the work rather than adding noise.

Regular check-ins can also help staff stay connected, especially if they are working from home often. These check-ins do not need to be long, but they should give people a chance to ask questions, raise issues and stay aligned with what the business needs.

Protect cash flow visibility

One area often missed in flexible work discussions is cash flow visibility.

When your systems are spread across too many places, it can be harder to know what is happening financially. You may not have a clear view of what has been invoiced, what is overdue, what needs to be paid, and what cash is likely to be available in the coming weeks.

This can create pressure around:

1. Paying staff
2. Paying suppliers
3. Meeting ATO obligations
4. Planning for GST, PAYG and superannuation
5. Managing seasonal income changes
6. Making decisions about hiring, stock, equipment or business growth

Reliable bookkeeping helps give business owners the information they need to make better decisions. It also helps your accountant work with accurate records when tax, compliance or advisory work is needed.

If your team works flexibly, your financial information should still be current, organised and easy for the right people to access.

Plan for backup support when someone is away

Flexible work also gives business owners a chance to think about continuity. If someone is away, unwell, travelling, or suddenly unavailable, can the essential work still be done?

This is especially important for payroll, supplier payments, BAS preparation, reporting and month end bookkeeping. These tasks are time sensitive. If they are delayed, the impact can be felt quickly by staff, suppliers and the business owner.

A strong process should make it clear:

1. What needs to happen
2. Who is responsible
3. Where information is stored
4. Which systems are used
5. What the deadlines are
6. Who can step in if needed

First Class Accounts Ovens & Murray works through a contract service model, which means bookkeeping and payroll tasks are not dependent on one person being available. The work is covered, the process is documented, and the business has reliable support in place.

Make flexible work easier to manage

Flexible work can be useful for many businesses, but it needs the right systems behind it.

If your team works from different locations, or you want to make your business less dependent on manual processes, it may be time to review your setup.

First Class Accounts Ovens & Murray can help you look at how your bookkeeping, payroll, apps, approvals and reporting processes are working now, and where they may need to improve.

We can support you with cloud bookkeeping, payroll processes, business app advisory, app implementation and practical process improvement, so the right work keeps moving wherever your team is working.

Contact First Class Accounts Ovens & Murray to review your systems and make sure your business is set up to work properly in 2026 and beyond.

FAQs about small business systems

What systems does a small business need for flexible work?

A small business usually needs cloud accounting software, secure access controls, clear payroll processes, document storage, approval workflows, reporting systems and communication tools. The exact setup depends on the business, industry, team structure and the type of work being completed.

How can cloud bookkeeping support remote or hybrid work?

Cloud bookkeeping helps the right people access current financial information from different locations. It can support bank reconciliations, invoice processing, receipt capture, payroll records, reporting and BAS preparation, provided the system is set up properly and used consistently.

Why should payroll processes be reviewed before flexible work is introduced?

Payroll processes should be reviewed because staff still need to be paid correctly and on time, regardless of where people are working. Timesheets, leave requests, pay changes, approvals, superannuation and payroll records need clear processes so mistakes and delays are less likely.

Business continuity planning.

What happens if the person who keeps everything running suddenly can't?

Most business owners spend a lot of time planning for growth.

They plan for new staff, new equipment, larger premises and bigger workloads. They put systems in place to improve efficiency and help the business move forward.

What many business owners do not plan for is the unexpected.

What happens if the person who manages your bookkeeping, payroll, client relationships, systems, passwords and key business knowledge suddenly becomes unavailable?

It is not a pleasant topic to think about, but it is an important one.

A business continuity plan helps ensure your business can continue operating during unexpected circumstances. It provides a roadmap for key people to follow, reduces confusion and helps protect your clients, employees, suppliers and business reputation.

Why business continuity planning matters

Many businesses rely heavily on one person.

That person may be the owner, a manager, a bookkeeper or an administrator. They know where everything is, understand the systems and have access to the information needed to keep the business running.

The challenge is that much of this knowledge often sits with that individual rather than being documented.

If that person becomes unavailable due to illness, injury, incapacity or another unforeseen event, the impact can be immediate.

Invoices may stop being issued, payroll may not be processed and ATO obligations may be missed. Client enquiries can go unanswered, while important business information may become difficult to access.

Without a documented plan, family members, employees and advisers are often left trying to piece together information during an already stressful time.

A business continuity plan is more than a disaster plan

When people hear the term disaster recovery, they often think about fires, floods or cyber attacks.

While those risks should be considered, business continuity planning also focuses on people.

A good plan outlines what should happen if a key person cannot perform their role for an extended period.

It identifies who takes responsibility, where important information is stored, who should be contacted and how business operations can continue with minimal disruption.

The goal is to create a practical guide that allows others to step in and keep things moving.

What should be included in a business continuity plan?

Every business is different, but there are several areas that should be documented.

Key contacts and responsibilities

Your plan should identify who takes responsibility for different areas of the business.

This may include:

• Accountant

• Bookkeeper

• Legal adviser

• Financial adviser

• IT support provider

• Marketing consultant

• Business partners

• Key employees

Include names, contact details and a summary of their role.

If someone needed to access support quickly, they should know exactly who to contact.

System and software access

Many businesses now operate almost entirely online.

Accounting software, payroll platforms, cloud storage, customer databases and communication systems all play an important role in day to day operations.

Document:

• Business software used

• Password management systems

• Cloud storage locations

• Email administration details

• Website hosting information

• Multi factor authentication requirements

Access procedures should be secure, but they should also be available to authorised individuals when required.

Financial information

Financial continuity is essential.

Your plan should document:

• Banking arrangements

• Payment approval processes

• Insurance information

• Accountant details

• Tax and compliance obligations

This helps ensure suppliers, employees and statutory obligations continue to be managed appropriately.

Client communication procedures

Clients appreciate honest and timely communication.

A business continuity plan should include guidance on how clients will be notified if a significant event affects the business.

This may include a template communication explaining the situation, outlining who clients should contact and reassuring them that their information remains secure.

Having this prepared in advance removes pressure during a difficult time.

Compliance obligations

Businesses have ongoing obligations with organisations such as:

• Australian Taxation Office

• Australian Securities and Investments Commission

• Tax Practitioners Board

• Superannuation funds

A continuity plan should identify who is responsible for maintaining compliance and what actions need to be taken if key personnel become unavailable.

The role of documentation

One of the most valuable parts of any business continuity plan is documentation.

The more information that exists outside a person's head, the easier it is for others to provide support when needed.

This does not mean creating lengthy manuals that nobody reads. It means documenting the important information that allows the business to function.

Simple, organised records can save significant time and stress when they are needed most.

Why regular reviews matter

A business continuity plan should be reviewed regularly to keep it accurate and useful.

Changes to staff responsibilities, software, business operations and contact details can quickly make information outdated.

An annual review helps ensure the plan reflects how the business currently operates and highlights any gaps that need attention.

Even a brief review can identify gaps that should be addressed before they become a problem.

Planning ahead protects your business

No business owner likes to think about worst case scenarios.

However, planning for unexpected events is part of running a responsible business.

A business continuity plan provides reassurance that your employees, clients and business operations can continue to be supported if something unexpected occurs.

It also reduces the burden on family members and trusted advisers who may need to step in during difficult circumstances.

Having the right documentation, processes and support in place means important decisions can be made more quickly and with greater confidence.

At First Class Accounts Ovens & Murray, we help business owners create reliable systems, maintain accurate records and build processes that support business continuity. If you would like assistance reviewing your bookkeeping processes, system documentation or operational procedures, contact our team to discuss how we can help.

FAQs about business continuity plans

What is a business continuity plan?

A business continuity plan is a documented process that outlines how a business will continue operating if a key person, system or service becomes unavailable. It includes responsibilities, contacts, system access information and procedures to minimise disruption.

Why is business continuity planning important for small businesses?

Small businesses often rely on a small number of people to manage critical tasks. Business continuity planning helps ensure payroll, bookkeeping, client communications and compliance obligations continue if a key person cannot perform their role.

How often should a business continuity plan be reviewed?

A business continuity plan should be reviewed at least once a year and whenever there are significant changes to staff, software, systems, advisers or business operations. Regular reviews help ensure information remains accurate and useful.

Choosing business apps starts with your workflow

Choosing business apps should make your day to day work easier. In practice, many businesses end up with too many tools, poor setup, and systems that do not work together properly. That is where time gets lost and mistakes start to build up.

Before looking at any software, the first step is understanding how your business actually operates. The right apps come from that, not the other way around.

This is where business app advisory makes a difference. It is not just about recommending tools. It is about making sure those tools fit your workflow and are set up to support it properly.

What apps does my business need?

Most businesses do not have an app problem. They have a process problem.

Before deciding what apps you need, look at how work moves through your business:

• How does a job or task start?
• What steps does it go through?
• Where is information recorded?
• Who is responsible at each stage?
• Where delays or errors tend to happen?

This gives you a clear view of where systems are breaking down.

From there, you can identify gaps. For example:

• Manual data entry that could be reduced
• Information stored in multiple places
• Lack of visibility over jobs, invoices, or payments
• Delays between work being completed and invoiced

Only once these issues are clear should you start looking at apps to solve them.

How do I choose apps?

Once you understand your workflow, choosing business apps becomes far more straightforward.

Start with how your business runs

Apps should follow your process, not force you to change it.

If a system requires you to completely change how your team works, it often creates more problems than it solves. The goal is to support your existing workflow and improve it where needed.

Identify the specific problem first

Avoid choosing apps based on features.

Instead, ask:

• What problem are we trying to solve?
• What part of the process needs to improve?

Then assess whether an app actually addresses that issue.

Choose apps that connect properly

Disconnected systems are one of the biggest causes of inefficiency.

If your apps do not integrate with your accounting system, you will end up entering the same data more than once. That increases the risk of errors and slows everything down.

This is why starting with Xero integrations is a practical step. It helps ensure your systems can share data and stay aligned. As a Xero Gold Partner, we are experienced in selecting, implementing, and supporting Xero-connected apps so they work properly within your business.

Keep your system simple

Every app you add introduces:

• Another subscription
• Another system to maintain
• Another process your team needs to follow

If it does not clearly improve how your business runs, it should not be part of your system.

Avoiding overcomplication starts before you choose

Overcomplication rarely comes from the apps themselves. It usually comes from skipping the assessment stage. Common patterns include:

• Adding new apps without reviewing existing processes
• Keeping old systems alongside new ones
• No clear ownership of how apps are used
• No consistent way of entering or managing data

The result is a system that looks advanced but does not function well.

A simpler, well-structured setup will always outperform a complex one that has not been thought through.

Where this links back to your current setup?

Before adding anything new, it is worth reviewing what you already have in place. Ask:

• Are your current apps being used properly?
• Are they set up correctly?
• Are they solving the problems they were introduced for?

If not, the issue may not be the app itself, but how it has been implemented.

If you have not reviewed this before, it is worth assessing your current setup in detail before adding anything new, as most issues sit in how systems are configured and used.

What works when choosing business apps?

Choosing business apps should lead to:

• Clear, consistent processes
• Less manual handling of information
• Fewer errors across your systems
• Better visibility over what is happening in your business

That only happens when the apps are chosen based on how your business runs, not based on what looks useful.

This approach reflects how First Class Accounts Ovens & Murray works with business owners. The focus is on understanding your processes first, then selecting and implementing the right tools to support them properly.

Getting your systems working the way they should

If your current systems feel harder than they should be, or you are unsure what apps your business actually needs, it is worth reviewing your setup before adding anything new.

First Class Accounts Ovens & Murray provides app implementation support to help you assess your current processes, choose the right apps, and make sure they are set up and working properly from the start. 

FAQs about choosing business apps

What apps does my business need?

Your business needs apps that support how your work is actually done. Start by mapping your workflow, identifying where delays or manual work occur, and then select apps that solve those specific issues. Most businesses only need a small number of well integrated tools rather than multiple disconnected systems.

How do I choose apps for my business?

Choose apps by first understanding your processes, then identifying the exact problem you need to solve. Look for tools that integrate with your accounting system, are easy for your team to use, and fit your existing workflow. Avoid selecting apps based on features alone.

Should I review my current apps before adding new ones?

Yes. Many issues come from poor setup or underused systems rather than missing software. Reviewing your current apps helps identify whether they are configured correctly and being used properly before introducing anything new.

Small Business Superannuation Clearing House (SBSCH) closing 2026

What you need to do now

On 1 July 2026, the Small Business Superannuation Clearing House (SBSCH) will close permanently as part of the Payday Super reforms. With only a few months left, employers still using the SBSCH need to find an alternative option, and soon.

This is not just a system being switched off. It is part of a broader shift in how super is paid, moving from quarterly payments to a process that aligns with payroll. If your current setup relies on the SBSCH, now is the time to review how your payroll and super processes work together.

Leaving this too late can create unnecessary pressure, especially when payroll and compliance are involved.

Don’t wait until the last minute

If you currently pay your superannuation quarterly, the Australian Taxation Office (ATO) recommends that the super payment for the January to March 2026 quarter, due 28 April 2026, be the last payment you make through the SBSCH.

That recommendation is there for a reason. It gives you a clear window to move across to a new provider and test your processes before the next payment is due.

That way, you give yourself time to find and adjust to a new provider before you need to pay super for the April to June 2026 quarter.

Remember, the April to June quarter payment, due 28 July 2026, cannot be made using the SBSCH after 30 June 2026.

If you leave the transition until June, you are relying on everything working perfectly the first time. In most cases, that is where issues show up. Small setup errors, incorrect employee data, or misunderstandings in how the new system works can delay payments.

A short transition period reduces that risk.

Choosing a new provider

There are a lot of different options out there to replace the SBSCH. The right choice depends on how your business currently runs and what systems you already have in place.

Check your existing payroll software, as it may already have super functions that you can use to pay your employees’ super guarantee contributions.

For many businesses, this is the simplest option. Keeping payroll and super in the same system reduces double handling and gives you better visibility over what has been processed and what is still outstanding.

If your current system does not support this, check other payroll software or providers that meet all SuperStream requirements.

When comparing options, focus on how the system works in practice. Look at how super is processed within each pay run, how payments are tracked, and how easy it is to correct errors if they occur.

You can also find a commercial clearing house or super fund that provides payment options. That might include your default super fund.

This can work well for businesses with a smaller team or a simpler payroll structure, but it is still important to ensure the process fits into your overall workflow.

Once you’ve picked your new provider, make sure to trial it well before 1 July 2026. That way, you can get comfortable with the new platform while also having the chance to troubleshoot any potential errors before Payday Super comes into effect.

Running a few test cycles helps you identify gaps early, rather than during a live payroll.

Understanding Payday Super

As a reminder, Payday Super requires that employers pay their employees’ super at the same time as their salary and wages.

Funds need to be received into employees’ nominated super funds within seven business days of payday.

This is a significant change for businesses that are used to quarterly payments.

It means your payroll process needs to be consistent every pay cycle. There is less room for delay, and more reliance on systems being set up correctly.

It also means your cash flow needs to support more frequent super payments. This is where planning becomes important, especially for businesses that manage tight margins or seasonal income.

You can read more about what the Payday Super changes mean for your business here. 

Closing up your SBSCH account

After 11:59 pm AEST on 30 June 2026, you won’t be able to log in to the SBSCH to submit instructions or view records.

Make sure that you’ve finalised any payments and downloaded any reports from the SBSCH before it closes for good.

This includes:

• Payment confirmations

• Employee contribution records

• Any historical reporting you may need for compliance or reconciliation

Once access is removed, those records are no longer available through the system. Keeping your own copies ensures you still have access if needed later.

Make sure you’re Payday Super ready

Moving away from the SBSCH is one part of the change. Making sure your payroll and super processes are set up correctly is the other.

If your current setup feels manual, inconsistent, or difficult to manage, this is the right time to address it.

First Class Accounts Ovens & Murray works with business owners to make sure payroll and super are handled accurately and on time, every time.

That includes:

• Reviewing your current payroll and super setup

• Recommending and implementing the right systems

• Making sure your processes support Payday Super requirements

• Providing ongoing support so nothing is missed

Need help picking an alternative to the Small Business Superannuation Clearing House, or looking for further advice about Payday Super?

Get in touch with First Class Accounts Ovens & Murray. We can walk you through your options and put a plan in place so your business is ready well before 1 July.

FAQs about SBSCH closing 2026

What happens if I keep using SBSCH after June 2026?

You will not be able to use the SBSCH after 30 June 2026. Any super payments after this date must be made through an alternative provider.

Can I use my payroll software instead of SBSCH?

Yes, many payroll systems include super payment functions that meet SuperStream requirements. This can simplify your process by keeping payroll and super in one system.

How do I prepare for Payday Super?

You need to ensure your payroll system can process super at the same time as wages, that your data is accurate, and that your cash flow supports more frequent payments.

Staying on top of ATO compliance in 2026

“Every year we see small businesses run into avoidable issues because they haven’t kept accurate records, reported all their income or managed their cashflow effectively”

Angela Allen, ATO Assistant Commissioner

The Australian Taxation Office continues to focus on small business compliance in 2026. The message is consistent. Most issues they see are preventable.

When compliance slips, it does not just create a tax problem. It impacts cash flow, payroll, and your ability to make decisions based on accurate numbers. It also increases the risk of penalties, interest charges, and unwanted attention from the ATO.

The good news is that most compliance issues come down to a small number of areas. When these are managed properly, everything else becomes easier to stay on top of.

Here are five practical ways to keep your business compliant and operating as it should.

1. Stay on top of your ATO debts

ATO debt is one of the most common pressure points for business owners. It often builds quietly and then becomes difficult to manage.

The ATO expects businesses to be proactive. If you are unable to pay on time, early engagement matters. Payment plans are available, and in some cases, interest may be reduced, but only if you take action early.

From a practical perspective, this comes back to visibility. You need to know what is due, when it is due, and whether the funds are available.

This is where having up to date bookkeeping and regular reporting makes a difference. When your numbers are current, you can plan for GST, PAYG and other obligations rather than reacting to them.

If you are unsure what you owe or when payments are due, that is already a risk that needs to be addressed.

2. Separate accounts for separate obligations

One of the simplest ways to avoid compliance issues is to separate your obligations from your operating cash.

GST and PAYG withholding are not business income. They are amounts you hold on behalf of the ATO. When they sit in your main account, they are easily used for day to day expenses.

Setting up dedicated bank accounts for these obligations removes that risk.

Each time you receive income, a portion is transferred into the relevant account. When it is time to lodge and pay, the funds are already there.

This approach supports stronger cash flow control and reduces the stress that often comes with BAS time.

For many businesses, this is a simple change that creates immediate stability.

3. Good records, good business

Accurate record keeping is not optional. It is a legal requirement.

In 2026, the ATO continues to move towards digital reporting and real time data. Manual processes increase the risk of errors, missed transactions, and incomplete records.

Digital systems such as Xero, MYOB and QuickBooks, along with supporting apps like Dext, allow you to capture transactions as they happen. This reduces manual data entry and improves accuracy.

Good record keeping supports:

• accurate BAS and tax lodgements

• clear cash flow visibility

• reliable reporting for decision making

• easier collaboration with your accountant

If your records are not up to date, everything becomes reactive. This is where mistakes happen.

First Class Accounts Ovens & Murray works with businesses to ensure records are current, accurate and structured properly, so reporting and compliance are handled without last minute pressure.

4. Prepare for payday super

From 1 July 2026, Payday Super will require employers to pay Superannuation Guarantee at the same time as wages.

This is a significant change. Instead of quarterly super payments, contributions will need to be processed each pay cycle.

For many businesses, this will impact:

• payroll processes

• cash flow timing

• system capability

If your payroll system is not set up correctly, this change will create compliance risk very quickly.

Now is the time to review how your payroll is managed. This includes checking that your system can process super with each pay run and that your cash flow can support more frequent payments.

Accurate payroll processing is critical. Your team expects to be paid correctly and on time, and super is part of that.

First Class Accounts Ovens & Murray ensures payroll, super, and reporting obligations are handled consistently, so changes like Payday Super are managed properly from the start. You can read more about Payday Super and What The Changes Mean For Your Business here. 

5. Closing or winding down a business

If you are closing your business, compliance does not stop when you cease trading.

There are final obligations that must be completed, including:

• lodging final BAS and tax returns

• cancelling your ABN and GST registration

• finalising payroll and super payments

• ensuring employee entitlements are paid

If these steps are missed, issues can continue long after the business has closed.

This is an area where having the right support matters. The process needs to be handled in the correct order to avoid follow up action from the ATO.

First Class Accounts Ovens & Murray can guide you through this process, ensuring everything is finalised correctly and nothing is left outstanding.

Working with the right support

The ATO recommends working with registered tax practitioners. This ensures your business is meeting current requirements and staying aligned with tax law.

In practice, this also means having a team that keeps your records current, your reporting accurate, and your obligations visible.

At First Class Accounts Ovens & Murray, the focus is on getting things done properly and on time. There are no gaps, no chasing, and no uncertainty around what needs to be done.

If your bookkeeping, payroll or compliance feels inconsistent, it is worth addressing now before it becomes a larger issue.

Make compliance part of how your business runs

ATO compliance should not be something you think about once a quarter. It should be built into how your business operates day to day.

When your systems are set up properly and your records are maintained consistently:

• cash flow becomes easier to manage

• obligations are planned for, not rushed

• payroll and super are handled correctly

• reporting supports better decisions

If you want your compliance handled without the stress, contact us.

FAQs about staying on top of ATO compliance in 2026

What happens if my business falls behind on ATO payments?

If you fall behind, the ATO may apply interest and penalties. You can contact them to set up a payment plan, but early action is important to avoid escalation.

What is Payday Super and when does it start?

Payday Super starts on 1 July 2026. Employers will need to pay superannuation at the same time as wages instead of quarterly. Find out more here.

Do i need separate bank accounts for GSTand PAYG?

It is not mandatory, but it is strongly recommended. Separate accounts help you set aside funds and ensure you can meet your BAS and withholding obligations on time.

In 2026, businesses across New South Wales will need to account for an additional public holiday on Monday 27 April.

This happens because Anzac Day falls on a Saturday. While Anzac Day itself on 25 April remains a public holiday, the Monday is recognised as an additional public holiday.

For business owners, this is not just a calendar update. It has a direct impact on payroll, staff costs, and compliance.

What days are public holidays for ANZAC Day in April 2026

For payroll purposes, there are two relevant public holidays:

• Saturday 25 April 2026

• Monday 27 April 2026

Both days are treated as public holidays under NSW rules.

This means any employee entitlements that apply to public holidays need to be considered for both dates.

What this means for payroll

Public holidays affect how employees are paid, depending on their employment type and whether they work on the day.

This may include:

• Public holiday penalty rates

• Public holiday loadings

• Entitlements for employees who do not work but would normally be rostered

• Alternative day arrangements depending on awards or agreements

If your team works across weekends and weekdays, this becomes more complex. Saturday 25 April and Monday 27 April may be treated differently depending on the award, but both still carry public holiday obligations.

It is your responsibility as the employer to ensure the correct interpretation is applied.

Where things can go wrong

This type of situation often creates issues when:

• Payroll systems are not updated with the additional public holiday

• Awards are not interpreted correctly

• Staff rosters are not aligned with public holiday entitlements

• Manual overrides are missed or applied inconsistently

Even small errors can lead to underpayments, overpayments, or compliance risks.

This is especially important where you have a mix of casual, part time, and full time employees.

Practical steps to take now

To avoid problems in April 2026, it is worth reviewing your payroll setup now.

Check that:

• Your payroll system includes both public holiday dates

• Employee awards and pay conditions are up to date

• Rosters for that period are clear and documented

• Any automatic rules in your software are behaving as expected

If you are unsure, this is the time to clarify it, not after payroll has been processed.

How First Class Accounts Ovens & Murray can support you

Payroll is one of the areas where accuracy and timing matter most. Your team expects to be paid correctly, and the rules need to be followed.

First Class Accounts Ovens & Murray manages payroll for business owners who want it handled properly, without needing to stay across every rule and exception themselves.

This includes setting up payroll systems correctly, processing each pay run, and making sure compliance requirements are met.

Keep your payroll clean and compliant

An extra public holiday might seem minor, but it can quickly create confusion if your systems and processes are not set up properly.

If you want to be confident your payroll is accurate and handled on time, First Class Accounts Ovens & Murray can take care of it for you.

Business name renewal scams in Australia: what to watch for

Business name renewal scams are becoming more common across Australia. We are seeing more clients receive renewal notices that look official but are actually sent by private third party companies. In some cases, these invoices have been paid before it becomes clear they are not issued by ASIC.

These notices are designed to look similar to legitimate correspondence and are often sent well before the actual renewal date. They usually include an invoice with fees that are much higher than the official ASIC renewal cost.

For many business owners, the document looks legitimate at first glance. It references business name renewal, includes payment instructions, and may even use wording that appears official. This is why these notices are catching people out.

Understanding how business name renewals work in Australia can help you avoid unnecessary costs.

How business name renewals work

In Australia, business name registrations and renewals are managed by the Australian Securities and Investments Commission (ASIC).

ASIC is the only official authority responsible for business name registration and renewal. Renewal reminders are typically sent close to the renewal date and will always come from an official government source.

Legitimate ASIC communication will always come from a website or email address ending in .gov.au.

If the communication does not come from a .gov.au address, it is not an official government notice.

Why these scam notices work

Many of these notices are designed to appear legitimate. They often include:

references to your registered business namea professional looking invoiceinstructions to pay a renewal feeofficial sounding language

The key difference is that these notices are sent by private companies offering a renewal service rather than by ASIC itself.

While some of these businesses operate legally as intermediaries, the fees they charge are often significantly higher than the official ASIC renewal cost. In other cases, the notice may be designed to mislead recipients into thinking it is a government invoice.

Another common warning sign is timing. Scam notices are frequently sent well before the standard 30 day renewal window.

Risks of paying these invoices

If a scam or unofficial renewal notice is paid, several problems can occur.

The renewal fee may be much higher than the official ASIC fee.

Your business may lose direct control over parts of the registration process.

Business name details may be updated with the third party’s contact information.

These issues can create unnecessary complications later when managing or renewing the registration again.

How to avoid business name renewal scams

There are a few simple checks that can help you avoid these scams.

First, always check where the notice has come from. Official communication will come from a .gov.au email or website.

Second, be cautious if the notice arrives well before your renewal is due. ASIC reminders are generally issued within the normal renewal window.

Third, renew your business name directly through the official ASIC website rather than paying invoices from third party companies.

You can check your renewal details or complete a renewal using the official ASIC page below.

https://www.asic.gov.au/for-business-and-companies/business-names/renew-a-business-name-registration/

If you receive a renewal notice and are unsure whether it is legitimate, it is worth taking a moment to verify it before making any payment.

Staying alert protects your registration

Business name renewal scams rely on documents that look legitimate and arrive at the right time to create urgency. Taking a few moments to confirm the source of the notice can prevent unnecessary costs and protect your business name registration.

If you receive a notice that you are unsure about, checking your renewal directly through the ASIC Business Name Register is the safest approach.

FAQs about business name renewal scams

What is a business name renewal scam in Australia?

A business name renewal scam occurs when a private company sends an invoice that looks like an official renewal notice. These notices often charge significantly higher fees and are not issued by ASIC.

How can I tell if a business name renewal notice is legitimate?

Legitimate renewal reminders come from the Australian Securities and Investments Commission and will always use a .gov.au website or email address. If the notice comes from another domain, it is not an official ASIC reminder.

Where should I renew my business name in Australia?

Business names should be renewed directly through the official ASIC website. The renewal can be completed through the ASIC Business Name Register.

Looking after yourself as a small business owner

As a small business owner, do you find looking after yourself a challenge?

Owning and working in a small business can take up most of your time and headspace. When payroll needs to be processed, BAS deadlines are approaching, suppliers are waiting to be paid and staff have questions, your own wellbeing is often the first thing to drop off the list.

It is common to start the year with good intentions around exercise, balance or reducing stress. Yet without practical systems in place, those goals are hard to maintain.

If your business depends on you making clear decisions every day, your own wellbeing is not optional. It is part of running a stable business.

A practical approach that works

Instead of setting large, vague goals, set smaller, specific ones that are realistic in a busy business week. Consistency matters more than intensity.

Make a point of getting outside every day and doing a small amount of movement. It does not need to be a gym membership, structured training or long sessions.

Even a walk around the block between meetings creates space to reset your thinking.

Research published in Preventive Medicine shows that reducing sedentary time and replacing it with light activity improves health outcomes. For business owners who spend long hours reviewing reports, managing payroll or handling compliance, small changes can have measurable impact.

Simple actions that work

Start small and stay consistent. The goal is not perfection. It is building habits that support clear thinking and steady decision making.

Start walking Walking supports both physical and mental health. It also creates thinking space. Many business owners find that stepping away from their desk helps them see solutions more clearly.

Take the stairs rather than the lift Small daily decisions add up. Choosing movement where it is available keeps activity practical and achievable.

Integrate movement into your commute If possible, replace part of your daily drive with a bike ride or short walk. When activity is built into your routine, it becomes part of your system rather than another task.

Park further away or get off earlier If cycling is not realistic, park further from the office or exit public transport one stop earlier. Small adjustments still count.

Walk to meetings or coffee If you have a local meeting, consider walking. If you are heading out for coffee, choose somewhere a short distance away. It builds movement into your day without requiring extra time.

Why this matters for your business

Current Australian health guidelines recommend at least 30 minutes of moderate physical activity on most days of the week. That can be built across your day rather than completed in one session.

For business owners, the benefit is not only physical. Clearer thinking, better focus and reduced stress all support stronger business decisions.

If you are responsible for wages, superannuation, ATO lodgements and cash flow planning, you need clarity. You also need reliable systems.

Exercise supports your wellbeing. Accurate bookkeeping and payroll support your business stability. Both matter.

When stress is coming from your numbers

If your stress is coming from uncertainty around BAS, super payments, payroll compliance or cash flow timing, it may be time to review your processes.

First Class Accounts Ovens & Murray provides reliable, done for you bookkeeping, payroll processing and business app advisory. Work is completed accurately and on time, every time.

When your numbers are clear and your systems are structured, you are not carrying everything yourself.

If you would like to review your bookkeeping processes, payroll setup or app integrations, contact First Class Accounts Ovens & Murray for a confidential discussion.

Taking care of yourself also means building a business that runs with structure and clarity.

FAQs about small business owner wellbeing

How can small business owners reduce stress? 

Small business owners can reduce stress by improving systems, ensuring bookkeeping and payroll are up to date, planning cash flow in advance and building small daily wellbeing habits such as walking or short breaks.

Why is bookkeeping important for business owner wellbeing? 

Accurate bookkeeping reduces uncertainty. When business owners know what is coming in, what is going out and when payments are due, it lowers stress and improves decision making.

How does cash flow planning improve work life balance? 

Cash flow planning helps business owners avoid last minute pressure around wages, supplier payments and tax obligations. Forward planning reduces financial stress and allows owners to focus on operations and family time.

Should I outsource payroll and bookkeeping? 

If payroll, BAS and reporting are taking up significant time or causing stress, outsourcing to a reliable provider such as First Class Accounts Ovens & Murray can improve accuracy and free up time for higher value work.