Sum & Substance

Business Details

Trusted Accountants in Eltham, VIC

Sum & Substance is a dedicated accounting and bookkeeping services provider committed to empowering business owners with tailored financial solutions. Founded by Neha Nayyar, a qualified CPA with extensive industry experience, we specialise in streamlining accounting processes to allow clients to focus on core business growth. Our services encompass bookkeeping, payroll management, virtual CFO support, software setup and training, and comprehensive financial health checks.

We pride ourselves on delivering customised, efficient solutions that meet the unique needs of small and medium enterprises across Australia. Our team combines technical expertise with a client-centric approach, ensuring accuracy, compliance, and strategic financial guidance. With a strong reputation built on trust and reliability, we have become a trusted partner for businesses seeking to optimise their financial operations and achieve long-term success.

Services

Bookkeeping & Payroll CEO & CFO Support Health Check Software Setup & Training System Advisory Workshops Virtual CFO

Highlights and features

We offer CPA-led bookkeeping and accounting services with over 15 years of industry expertise.
Our customised software training ensures seamless adoption of Xero, MYOB, and other platforms.
Virtual CFO support provides strategic financial guidance without the cost of an in-house team.
Comprehensive health checks identify and resolve accounting inefficiencies in your systems.
Proven track record serving Australian SMEs with transparent, client-focused solutions.

What people say

Professional and efficient Great service Highly recommend Excellent support Impeccable service

Website

Update Listing

Services

Bookkeeping & Payroll

Our bookkeeping and payroll solutions manage day-to-day accounting tasks, including bank reconciliations, BAS lodgments, and superannuation processing. We ensure compliance with Australian tax regulations while reducing administrative burdens. Clients benefit from accurate financial records and time savings to focus on business growth.

Health Check

This service reviews accounting systems for accuracy and efficiency, covering chart of accounts, reconciliations, and software setup. We provide actionable recommendations to optimise financial processes. Ideal for businesses using Xero or other platforms seeking operational improvements.

Software Setup & Training

We configure accounting software like Xero and MYOB to match business workflows, including payment gateways and expense management tools. Customised training sessions ensure clients master software features. This service reduces long-term accounting costs through self-sufficiency.

CEO & CFO Support

Tailored reporting solutions for executives, including budget development, cashflow forecasting, and board presentations. We bridge gaps in automated systems with expert analysis. Enhances decision-making for business strategy and financial planning.

Virtual CFO

Cost-effective virtual CFO services provide strategic financial management, including trend analysis and software implementation. Businesses gain access to expert insights without full-time hiring. Supports budgeting, forecasting, and operational efficiency improvements.

People

Neha Nayyar

Director

Neha Nayyar is a qualified CPA with over 15 years of experience in accounting and financial management. She specialises in bookkeeping solutions, software training, and virtual CFO services for SMEs. Her client-focused approach combines technical expertise with practical business insights.

Questions

What accounting services do you offer for small businesses?

We provide bookkeeping, payroll processing, financial reporting, software setup, and virtual CFO services tailored to small businesses.

How does the Xero health check process work?

We review your Xero file for inconsistencies, reconcile accounts, and provide recommendations to optimise your accounting processes during an online consultation.

Do you support accounting software other than Xero?

Yes, we support MYOB, Spotlight, Fathom, and other platforms alongside Xero for setup, training, and troubleshooting.

Can you assist with budgeting and financial forecasting?

Our virtual CFO service includes budget development, cashflow forecasting, and strategic financial planning for businesses.

Are your services available Australia-wide?

Yes, we provide remote accounting solutions to clients across Australia through online consultations and software support.

Reviews (7)

Write a Review

Glenda Dennler

Oct 21, 2021 Report

I have found that Sum and Substance not only provide excellent, timely services but they go above and beyond what you expect. They are proactive in making sure you get the best service.

Susan Pierotti

Aug 27, 2021 Report

I needed to change my online accounting software to another platform. I asked Neha at Sum and Substance about moving to Xero. She made the process so easy. She offered excellent training that was easy to understand and was available when i needed extra advice and assistance. Neha is generous with her time and exceptional with her knowledge and training. i would highly recommend Neha at Sum and Substance.

Elizabeth Ball

Aug 19, 2021 Report

Positive:Quality
Neha provided me with valuable knowledge and the resources I needed to start my small business using Xero. Nehas friendly approach and clear communication filled me with confidence that I am in very capable hands with Sum & Substance. Thank you!

Erika Balla-Harper

Jul 15, 2021 Report

Positive:Professionalism,Quality,Responsiveness
Neha was extremely informative and professional. She has that rare combination of empathy and knowledge. She was very generous with her time and provided me with the space to ask questions and have develop a solid understanding of what my small business may need.

Gemma Denton

Mar 08, 2021 Report

Neha has helped with the setup of a new workflow max management system for us. She has provided invaluable best practice training so that we are not only setup correctly but can use the system properly going forward. Neha and her team have always been available for questions and we would highly recommend working with them.

Stella Steel

Dec 05, 2019 Report

Neha and her associates are consummate professionals with heart and understanding of the pressures of running a small business. Her patience has been well tested by our company! I recommend her to anyone looking for modern convenient bookkeeping services.

Simon Barker

Oct 09, 2019 Report

Neha and the team at Sum & Substance are making waves when it comes to future-proofing accounting firms. In addition to the plethora of other services, it is exciting for us as a technology provider to work with an organisation that shares the same values of technology, its application for increased efficiencies in business and most importantly the security around it all. Our organisations complement our services quite well and as such an initial chat is highly recommended!