Sum and Substance

Sum and Substance Sum and Substance helps business owners with seamless solutions to day-to-day accounting and bookkeeping needs. We help you grow your business!

Love this!
07/01/2026

Love this!

Wishing you a very Merry Christmas. We will be closing at 5pm today, reopening on Wednesday, 7th Jan.Have a safe and ama...
23/12/2025

Wishing you a very Merry Christmas. We will be closing at 5pm today, reopening on Wednesday, 7th Jan.

Have a safe and amazing break 🥰

Having us look after your payroll and compliance might just be the best gift you could give yourself for 2026! We take t...
16/12/2025

Having us look after your payroll and compliance might just be the best gift you could give yourself for 2026! We take the stress away and give you the time back to do what you love, whilst you know everything is taken care of correctly and on time.

Get in touch if you want to know more - would love to chat.

💕 Another 5 star review for our service! Always very proud of these. ⭐⭐⭐⭐⭐
09/12/2025

💕 Another 5 star review for our service! Always very proud of these. ⭐⭐⭐⭐⭐

With so many systems out there, it can be hard to know what will work best for you. We provide advice based on your need...
03/12/2025

With so many systems out there, it can be hard to know what will work best for you. We provide advice based on your needs to ensure you are only using and paying for the best systems for your business. We have tried and tested so many over the years so no matter what your business does or size, we got you! Get in touch to see how we can help.

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26/11/2025

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19/11/2025

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Want to mix things up a bit in your next offsite/ meeting? A different voice can make a huge difference. Our very own fi...
12/11/2025

Want to mix things up a bit in your next offsite/ meeting? A different voice can make a huge difference.

Our very own finance expert Neha Nayyar can deliver an informative and practical session tailored to your team.

Neha specialises in simplifying finance and empowering business owners and leaders through interactive, educational workshops.

✅ Councils

✅ Organisations

✅ Business groups

✅ Community workshops

Popular topics include:

Finance workshops for small businesses

Tools to future-proof your business

Reporting for CEOs and CFOs

Finance workshops for women in business

…and more!

Get in touch if you want to know more!

💬 “The feedback we received from participants who heard Neha speak as part of our Women in Business Mentoring Program has been extremely positive. Thank you, Neha!” - Nillumbik Shire Council

The most recent due date for quarterly SG contributions was 28 October. If you’ve missed this date, you need to get your...
05/11/2025

The most recent due date for quarterly SG contributions was 28 October. If you’ve missed this date, you need to get your super obligations back on track by lodging a Super Guarantee Charge (SGC) statement and paying the SGC to the ATO by 28 November to avoid penalties. The ATO take non-payment of SG seriously so get ahead of this to avoid further charges.

Get in touch if you need help with this.

We make moving platforms a breeze! ⭐⭐⭐⭐⭐
26/10/2025

We make moving platforms a breeze! ⭐⭐⭐⭐⭐

Ever thought "how good would a finance manager be" but think the cost of hiring someone would be out of your budget? We ...
21/10/2025

Ever thought "how good would a finance manager be" but think the cost of hiring someone would be out of your budget? We offer a virtual CFO/ finance manager service so you get all the knowledge and oversight without the overheads!
We can assist with:
-Overseeing bookkeeping
-Budgeting & forecasting
-Customised management reporting
-Cashflow planning, budgeting & management
-Financial & accounting process reviews
-Outsourced/part-time finance manager
-Trend reports with insightful analysis
-Accounting software implementation, setup, training & maintenance
-Setting up your dashboard
-and more!

Get in touch to find out how we can help.

Service with a smile always when Neha is involved!
17/10/2025

Service with a smile always when Neha is involved!

Address

9/31 Dudley Street
Eltham, VIC
3095

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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