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Toledo & Cruz Consulting · Makati Accounting · Tax · Advisory Client prospectus · 2026

Numbers you can stand on.

Bookkeeping, BIR compliance, and honest advisory for growing Philippine businesses — delivered on time, explained in plain language, and billed at a fixed monthly fee.

Read the report ↓
Trusted by 120+ SMEs Retail · F&B · Logistics · SaaS 0 late filings in 6 years
The Toledo & Cruz office in Makati
Plate i — The Makati officeWhere the monthly close happens
01

What we carry for you

Three engagements, each on a fixed monthly fee — no surprise billables, ever.

1.1

Bookkeeping & Payroll

Fixed monthly fee

Clean monthly books, payslips out on time, and receipts that stop living in shoeboxes.

1.2

Tax & BIR Compliance

Fixed monthly fee

Registrations, filings, and renewals handled before deadlines — with proof, not promises.

1.3

CFO-level Advisory

Fixed monthly fee

Cash-flow forecasting and pricing reviews when you need a numbers person in the room.

A note on scope. The fee is fixed for the agreed scope — if your volume grows past the band we quoted, we tell you before the next cycle, not after.

02

Statement of results

Six years of engagements, summarised the way we'd want to read them — as line items.

120+Businesses served
38MPenalties avoided for clients
0Late filings in 6 years
Schedule A — the record, 2020 to date
SMEs on monthly retainer120+
BIR penalties avoided for clients₱38,000,000 refunds, waived surcharges & caught errors
Filing deadlines missed, six years running0
Industries servedRetail · F&B · Logistics · SaaS
Meeting room at Toledo & Cruz
Plate ii — The meeting roomWhere filings get explained in plain language
03

What our clients' books look like now

Entries from the people who used to dread month-end. Quoted with their industries, as any honest ledger should be.

"They caught a withholding-tax error our previous accountant had repeated for three years. The refund paid their fee twice over."
— Nadine C.
"Books close on the 5th, every month. I stopped chasing anyone for numbers."
— Rey M.
"First firm that explains what they filed instead of just sending a receipt."
— Joanna P.
04

Engagement questions

The four things every prospective client asks before signing — answered on the record.

Q.1Do you handle BIR audits?

Yes. We prepare the schedules, sit in the assessment, and correspond with the examiner on your behalf. It's included for retainer clients.

Q.2Can you take over books that are behind?

Regularly. We do a catch-up engagement first — usually two to six weeks depending on how many months are open — then move you onto the monthly retainer.

Q.3Is the monthly fee really fixed?

Fixed for the agreed scope. If your transaction volume grows past the band we quoted, we tell you before the next cycle rather than after.

Q.4Do we need to switch accounting software?

No. We work in whatever you already use — QuickBooks, Xero, or spreadsheets. We'll suggest a change only if it saves you money.

Chapter 05 · Your turn

Bring your messiest month.

The first consultation is free. Show us the shoebox, the spreadsheet, the months that never closed — we'll tell you exactly what it takes to stand the numbers back up.

Toledo & Cruz Consulting Makati, Metro Manila Mon – Fri · 9 AM – 6 PM