Things small business owners actually ask.

Monthly bookkeeping includes categorizing every transaction in your bank and credit-card accounts, reconciling those accounts to statements, generating a monthly Profit & Loss statement, and running a basic review of the numbers to flag anything unusual. The Growth and Pro packages add HST tracking, cash-flow analysis, and ongoing financial guidance.

It's straightforward. We coordinate with your current bookkeeper to transfer your QuickBooks Online file or other records, review the historical data for accuracy, and pick up from where they left off. Most switches are completed within 2–3 weeks.

For local clients, we visit your business as part of step 2 of our process. We see how revenue is generated, how expenses happen, and how the business actually operates day-to-day. It's optional — but it's one of the most valuable parts of our onboarding for owners who can offer it.

Yes — that's our catch-up & cleanup service. We'll quote a fixed price after reviewing the scope. Most cleanups are completed in 2–6 weeks. Once your books are current, you'll move into one of our ongoing monthly packages.

Our packages are designed for small businesses under about $300K in annual revenue and up to ~300 monthly transactions. Smaller side businesses or freelancers fit our Starter plan. Once you outgrow Pro & Advisory, we'll either scope a custom package or refer you to a full-service firm.

If your transaction volume grows past the limit of your current plan, we'll move you to the next tier with no fees. Custom volumes (above ~300 transactions) are quoted individually.

There's no long-term contract. Our packages are billed month-to-month and you can cancel any time. Most clients stay because the monthly insights become part of how they run the business — but the door is never locked.

Yes — payroll is available as an add-on, typically $100–$250 per month depending on number of employees and pay frequency. We handle pay-run processing, payroll tax remittances, and T4 preparation.

Yes — catch-up & cleanup is the most common one-time engagement. We also handle one-off chart-of-accounts setups, QuickBooks migrations, and pre-tax-season tidy-ups.

We do not file personal or corporate income tax returns. We provide accurate, year-end-ready financials that your accountant uses to prepare your tax return. If you don't have an accountant, we can refer you to one in the GTA West.

HST tracking and preparation is included in the Growth plan. Full HST filing and compliance is included in the Pro & Advisory plan. Starter clients can add HST filing as a small monthly add-on. We also help clients understand whether they need to register for HST in the first place.

Katerina is currently advancing toward the CPA designation. The work we provide — bookkeeping and bookkeeping-adjacent advisory — does not require a CPA license in Ontario. For audit, attestation, or formal accounting opinions, we refer to licensed CPAs.

We work primarily in QuickBooks Online — it's our recommended platform for small businesses in Canada. If you're on a different platform (Wave, Xero, Sage, etc.) we'll review your situation during onboarding and either work in your existing system or recommend a migration.

We work in QuickBooks Online with multi-factor authentication, encrypted file transfer for any documents you send us, and secure password storage. We never share or sell client data, and we sign engagement letters that include a confidentiality clause.

Once a month at minimum — when we deliver your monthly report and insights. Pro & Advisory clients receive priority response times and additional check-ins. You can email us any time with a question, and we respond the same or next business day.

Bookkeeping is the day-to-day work of recording and organizing your financial transactions. Accounting is the higher-level analysis, year-end reporting, and tax filing that's built on top of those records. Sagebooks focuses on monthly bookkeeping plus advisory — clean records, clearly explained, with practical insights every month.

Yes — they do different jobs. Your accountant typically prepares your year-end financials and taxes once a year. A bookkeeper keeps your books current every month, so when your accountant files at year-end, the data is already accurate. It also means you actually know how your business is doing throughout the year, not just in April.

We focus our marketing and in-person onboarding on Mississauga, Oakville, Brampton, and Milton because that's where we have the deepest local network. Our delivery is remote-first, so we can serve any small business in Ontario.