Who can compile and sign my annual financial statements in South Africa?

A Chartered Accountant (SA) can compile and sign annual financial statements in terms of ISRS 4410. Ours are compiled and signed by Smiso Mazibuko CA(SA).

Do I need audited financial statements for a business loan?

Most SMEs do not. Banks and development finance institutions usually accept independently compiled AFS with an ISRS 4410 compilation report signed by a CA(SA). Whether you need an audit or a review depends on your company's Public Interest Score and how the statements were compiled.

What is the difference between a compilation, an independent review, and an audit?

A compilation presents your numbers in the correct format with no assurance. An independent review gives limited assurance (ISRE 2400). An audit gives the highest level of assurance. A compilation is the most affordable option and is enough for most SME loan applications.

Which accounting framework are the statements prepared in?

The IFRS for SMEs Standard, which is recognised by CIPC for qualifying South African companies.

R1 750 - delivered within 48h

Annual Financial Statements (AFS) Compilation

Lenders and funders reject spreadsheets. We compile your Annual Financial Statements from your accounting records in the IFRS for SMEs framework, with a formal ISRS 4410 compilation report signed by a Chartered Accountant (SA). Because the statements are independently compiled by a CA(SA) they carry weight with banks and DFIs, and independent compilation raises the audit threshold in your favour. If you have prior years to catch up (missed filings or accumulated records), we backfill those too. We also offer monthly or quarterly management accounts so you don't wait until year-end to know your position.

AFS compiled in the IFRS for SMEs framework from your records
Formal ISRS 4410 compilation report signed by a CA(SA)
Optional prior-year catch-up (missed filings or accumulated records backfilled)
Optional monthly or quarterly management accounts service (recurring)
Optional SAICA CA(SA) declaration for lenders
Engagement letter and secure document request before work starts

A CA(SA) contacts you within 2 working days to confirm scope, send your engagement letter, and agree a delivery date. Turnaround depends on the state of your records.

Your details

We use these answers only to prepare your document. Payment is handled securely by PayFast.

After payment we ask 1 short question about your business so we can write it. You can save and finish that later.

Your email (we deliver your document here)

Your name (optional)

Registered company name

CIPC registration number

Financial year-end

What are the AFS for?

What accounting records do you have?

This helps the CA scope the work. Do NOT upload documents here; you will receive a secure request.

Approximate annual turnover

You'll be securely redirected to Payfast to complete your payment

Pay now and Annual Financial Statements (AFS) Compilation starts immediately. A manual transfer takes longer — we send you the account details and a reference, and start once the payment reflects.

Make it recurring

Rather have this every month? CFO in Your Pocket

A one-off set of accounts answers 'how am I doing?' once. CFO in Your Pocket keeps a CA(SA) preparing your management accounts every month - profit, cash, and commentary - so you never fly blind between year-ends. Async, no calls.

R900 a monthSee CFO in Your Pocket

Frequently asked questions

Who can compile and sign my annual financial statements in South Africa?: A Chartered Accountant (SA) can compile and sign annual financial statements in terms of ISRS 4410. Ours are compiled and signed by Smiso Mazibuko CA(SA).
Do I need audited financial statements for a business loan?: Most SMEs do not. Banks and development finance institutions usually accept independently compiled AFS with an ISRS 4410 compilation report signed by a CA(SA). Whether you need an audit or a review depends on your company's Public Interest Score and how the statements were compiled.
What is the difference between a compilation, an independent review, and an audit?: A compilation presents your numbers in the correct format with no assurance. An independent review gives limited assurance (ISRE 2400). An audit gives the highest level of assurance. A compilation is the most affordable option and is enough for most SME loan applications.
Which accounting framework are the statements prepared in?: The IFRS for SMEs Standard, which is recognised by CIPC for qualifying South African companies.
How long does an AFS compilation take?: A CA(SA) contacts you within 2 working days to confirm scope, send your engagement letter, and agree a delivery date. Turnaround depends on the state of your accounting records.