Trade Business Accountants

Trade Business Accountants Specialist tax accounting and bookkeeping for Australian trade and construction businesses.

Simple pricing math for trade businesses...Want a quick gross profit guide?If your labour + materials cost is $1,00030% ...
28/05/2026

Simple pricing math for trade businesses...

Want a quick gross profit guide?

If your labour + materials cost is $1,000

30% Gross Profit → quote = $1,430

40% Gross Profit → quote = $1,670

50% Gross Profit → quote = $2,000

The formula:

30% GP → Cost × 1.43

40% GP → Cost × 1.67

50% GP → Cost × 2

Now before the comments start…

Yes, pricing can be more nuanced than this.

Industry, overheads, risk, labour mix, warranty exposure, travel, project complexity, and market positioning all matter.

But if you’re currently pricing based on gut feel or what competitors charge, this is a far better starting point.

Higher margins don’t happen by accident!

They start with pricing.

27/05/2026

Meet Merinda, Senior Bookkeeper here at Trade Business Accountants!

After working in traditional accounting firms, Miranda quickly noticed something different about TBA.

The culture.

“I think if somebody came from a traditional firm into TBA, the thing that they would notice straight away is just like the banter between the team. Everyone’s super friendly, super bubbly.”

At TBA, we’ve worked hard to build a workplace where great people can genuinely enjoy what they do, feel supported, and deliver exceptional outcomes for hardworking business owners.

No office politics.

No micromanagement.

No feeling like just another cog in a machine.

Just good people, high standards, flexibility, collaboration, and meaningful work.

In Merinda’s words:

“That’s what I personally want in a job... to not feel chaotic, feel like I’m supported, and I can go and do a good job and that just makes me feel wonderful.”

Trade Business Accountants is growing fast and we’re always interested in meeting experienced, high-calibre professionals who want to do great work with great people.

If you’re tired of traditional firm culture and want to explore a different way of working, get in touch today today.

Revenue is vanity, profit is sanity, cash is reality.You can get away with okay people, okay strategy, and even okay ex*...
25/05/2026

Revenue is vanity, profit is sanity, cash is reality.

You can get away with okay people, okay strategy, and even okay ex*****on.

But run out of cash and it's game over.

The best investment advice I’ve ever received was from someone who had recently sold his $150M business.And it wasn’t wh...
25/05/2026

The best investment advice I’ve ever received was from someone who had recently sold his $150M business.

And it wasn’t what I thought it would be.

I was invited to his newly purchased farm to help muster cattle. After a long day, we were sitting on his deck having a beer, and naturally, I started asking questions.

How did his business work?

What was the structure?

How did the sale process go?

What would he do differently?

Then I opened up about my own investment ambitions to get his feedback.

I expected a mixed answer about property, shares, or private equity.

But his advice was simple...

“the best investment you’ll ever make will be in your business”

Because in his experience, it was usually the highest returning investment available.

Think about it.

A residential property might grow 6 – 8% per year long term.

The share market might average around 8 –10%.

But a great business?

There’s no ceiling.

One better hire, one operational improvement, one marketing breakthrough, one sales process change, or one key client can change everything overnight. And often produce returns that completely dwarf traditional investments.

That doesn’t mean never invest elsewhere.

But it does mean not starving the very thing with the highest potential upside before you’ve even maximised it.

The best operators I see reinvest aggressively into people, systems, marketing, sales, leadership, and capacity.

Because for many owners, their business isn’t just an income source, it’s the greatest wealth creation vehicle they’ll ever have.

21/05/2026

Meet Temeika, a Senior Bookkeeper here at Trade Business Accountants!

After working in traditional accounting firms, Temeika knew exactly what she didn’t want…

Micromanagement.

Frustrating time billing.

Burnout culture.

And feeling like just another cog in a machine.

Which is what initially piqued her interest in TBA:

“I think there was a line in the job ad when I first applied that said, we hire great people and we get out of their way. There is no micromanagement at TBA.”

And it’s true.

At TBA, we do things differently.

We’ve built a modern, advisory-led firm focused on trust, collaboration, flexibility, and genuinely helping trade business owners succeed.

We hire talented professionals, set a high standard, and then give them the autonomy and support to do their best work.

Despite being fully remote, one thing stood out immediately to Temeika.

The culture.

“The passion and drive is infectious… it’s extremely collaborative and you don’t feel isolated or alone. You are part of a team and you feel that from day one.”

And perhaps the biggest endorsement of all:

“This will be the best career move that you will ever make.”

At TBA, we care deeply about doing exceptional work, supporting each other, and building an environment where high performers can genuinely thrive, without sacrificing life outside of work.

Because when you’re on, you’re expected to perform.

But when you’re off, you should be able to switch off.

Trade Business Accountants is growing fast and we’re always interested in meeting experienced, high-calibre professionals who want to do meaningful work with great people.

If you’re tired of traditional accounting firm culture and want to explore a better way of working, get in touch today.

Saving for a first home deposit in today’s environment can be tough. But there’s a strategy inside super that can help f...
19/05/2026

Saving for a first home deposit in today’s environment can be tough. But there’s a strategy inside super that can help first home buyers save more tax effectively.

It’s called the First Home Super Saver Scheme (FHSSS). You make voluntary contributions into super and claim a tax deduction personally.

Because concessional super contributions are generally taxed at 15% inside super, rather than your personal marginal tax rate, this can create a significant tax saving.

Example:

You earn $120k per year and contribute $15,000 into super as a concessional contribution.

This means your personal taxable income reduces from $120k to $105k.

If your marginal tax rate is 39% including Medicare, but the contribution is taxed at 15% inside super, that’s roughly a 24% tax difference.

On a $15,000 contribution, that could mean around $3,600 more going toward your future home deposit instead of personal tax.

So from $15,000, approximately $2,250 is paid as tax inside super, leaving $12,750 potentially eligible for release under the FHSSS, plus associated earnings when you’re ready to buy your first home.

Current rules allow eligible individuals to contribute up to $15,000 per financial year, and up to $50,000 in total contributions.

So while saving for your first home, you may be able to reduce personal tax, save through a concessional tax environment, and build your deposit more efficiently.

It’s important to understand this strategy is technical and eligibility rules apply, so before implementing anything, speak with your accountant or financial adviser to make sure it fits your situation.

The fastest way to slow growth?Changing direction every time you get bored.Good businesses are repetitive by nature.So d...
19/05/2026

The fastest way to slow growth?

Changing direction every time you get bored.

Good businesses are repetitive by nature.

So do boring things exceptionally well for longer than everyone else.

That's how you win.

Here’s a quick pricing guide around markup and margin:25% margin = 33% markup30% margin = 43% markup35% margin = 54% mar...
18/05/2026

Here’s a quick pricing guide around markup and margin:

25% margin = 33% markup

30% margin = 43% markup

35% margin = 54% markup

40% margin = 67% markup

45% margin = 82% markup

50% margin = 100% markup

Australia’s tax rules have been set to change in a big way.The first major change is a 30% minimum tax on discretionary ...
18/05/2026

Australia’s tax rules have been set to change in a big way.

The first major change is a 30% minimum tax on discretionary trusts from 1 July 2028. This tax applies at trustee level, which is a major shift for family trust planning.

While individuals and other non-corporate beneficiaries generally receive non-refundable credits. Corporate beneficiaries, including bucket companies, are excluded.

This matters because bucket companies have often been used to cap tax at 25% or 30%. Under the announced rules, trust-to-company distributions are likely to create an additional tax cost, because the trustee pays the 30% minimum tax and the company does not receive a credit for that tax.

The second major change is the 50% CGT discount is being replaced from 1 July 2027. For individuals, trusts and partnerships, CGT will move toward cost base indexation.

Indexation adjusts your cost base for inflation, so the system more directly targets real gains rather than inflationary gains. But there is also a 30% minimum tax on real capital gains.

Gains before 1 July 2027 can still access the old CGT discount. Gains after that date move into the new system. This creates a split calculation for existing assets.

This is not automatically worse in every case. High-growth assets may pay more tax. Low-growth assets closer to inflation may pay less. The outcome depends on return,
inflation and holding period.

The third major change is the narrowing of negative gearing for established residential property. Existing properties held before 7:30pm AEST on 12 May 2026 are grandfathered and can continue to be negatively geared until sold.

Properties purchased after that time will have losses quarantined from 1 July 2027 unless they qualify as new builds.

That means those losses cannot offset salary, wages or business income. They can instead offset residential property income, including rental income and residential capital gains. Note, new builds can continue to be negatively geared.

All to say, this is not just a property tax change. It affects structures, trusts, bucket companies, asset ownership, cash flow and long-term wealth planning.

What do you think?

14/05/2026

Meet Sian - Account Lead here at Trade Business Accountants!

After spending years in traditional accounting firms, Sian saw first-hand the pressure, frustrations, and limitations that come with the old model.

At TBA, things are different.

We’ve built a modern firm focused on collaboration, advisory, flexibility, and genuinely helping trade business owners succeed (without the pointless KPIs, constant billables pressure, or churn-and-burn culture).

Sian is a true rockstar and asset to both the TBA team and all our clients, and in her words:

“Seeing just how collaborative TBA is and the culture, it was so engaging and drawing and I wouldn’t want to move anywhere else.”

Trade Business Accountants is growing fast and we’re always interested in meeting experienced, high-calibre professionals who are wanting to do great work with great people.

So if you're interested in exploring a career at TBA, get in touch today!

Address

Unit 1/55 Tradelink Road, Hillcrest
Brisbane, QLD
4118

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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