Case Study 1
3 Years Filed, $17,500 Removed From The Assessed Balance — Benefits Consultancy, Cambridge
3 years of returns were outstanding at a benefits consultancy in Cambridge, Ontario, on top of a provincial payroll levy that had never been registered for or remitted. Filing on real numbers removed $17,500 of assessed tax.
A benefits consultancy in Cambridge, Ontario had not filed for 3 years. The CRA had issued arbitrary assessments, and the business was carrying a provincial payroll levy that had never been registered for or remitted on top of a growing interest balance. We started with the oldest year and worked forward so each year's closing balances fed the next. We assessed and claimed Ontario Innovation Tax Credit alongside the federal return, filing the years in sequence rather than all at once. Every year is now filed and assessed on actual figures. The notional assessments were vacated and $17,500 of the estimated balance came off, with a payment arrangement covering the rest.
Case Study 2
Scaled To 28 Staff With $58,000 Of Working Capital Freed — Home-Care Nursing Agency, Cambridge
Growth at a home-care nursing agency in Cambridge, Ontario had outrun the back office, and 13% HST charged on every sale regardless of where the customer was located broke first. Headcount reached 28 with $58,000 of cash freed.
A home-care nursing agency in Cambridge, Ontario was growing fast — headcount to 28 in eighteen months — and the back office had not kept up. 13% HST charged on every sale regardless of where the customer was located was the first thing to break. We recalculated the corporate tax at the 12.2% combined small business rate and rebased the instalments on the current year, and built the compliance calendar for the size the business was becoming rather than the size it had been. The business reached 28 staff with no missed remittance and no late filing. $58,000 of working capital was freed in the process.
Case Study 3
Filed On Time From A Standing Start, $92,000 Penalty Avoided — Family Medicine Clinic, Cambridge
A family medicine clinic in Cambridge, Ontario was 4 weeks from a deadline while carrying sector-specific exposure the previous accountant had not seen before. Filing complete and on time avoided roughly $92,000 in penalties.
A family medicine clinic in Cambridge, Ontario came to us 4 weeks before its filing deadline with sector-specific exposure the previous accountant had not seen before. A late filing would have triggered a penalty of roughly $92,000 before interest. We worked backwards from the deadline. We assessed and claimed Ontario Made Manufacturing Investment Tax Credit alongside the federal return, prioritising the items that actually gated the filing and deferring everything that did not. The return was filed on time and complete. The $92,000 penalty never arose, and the compliance calendar we set means the next deadline is scheduled rather than discovered.
Case Study 4
Share Sale Restructured, $385,000 Less Tax On Closing — Mobile App Studio, Cambridge
Due diligence at a mobile app studio in Cambridge, Ontario surfaced a single shareholder holding every share, with no room to multiply the exemption. Restructuring the sale saved $385,000 against the original terms.
A mobile app studio in Cambridge, Ontario was preparing to sell. Due diligence surfaced a single shareholder holding every share, with no room to multiply the exemption, which would have reduced the price or killed the deal outright. We cleaned up the historical file, registered the provincial payroll account, caught up the outstanding remittances, and applied for relief on the penalty, and prepared the due-diligence package the buyer's advisers actually asked for. The deal closed at the agreed price. $385,000 of tax was saved against the structure originally proposed, with no post-closing adjustment.
Case Study 5
$25,000 Saved By Correcting What Prior Filings Had Missed — Packaging Producer, Cambridge
A second opinion for a packaging producer in Cambridge, Ontario found instalments still calculated on a year the business had long outgrown in prior filings and recovered $25,000 a year.
A packaging producer in Cambridge, Ontario asked for a second opinion on its on tax and accounting file after three years of rising tax. The review found instalments still calculated on a year the business had long outgrown. We built the comparison first — current structure against two alternatives — and then rebuilt the sales ledger by customer location, applied the correct place-of-supply rate to each stream, and filed the adjusted HST returns. First-year saving of $25,000, with the same benefit recurring. Every position taken is documented and supported in the file.
Case Study 6
Notice Of Objection Allowed In Full, $70,000 Reversed — Translation Services Company, Cambridge
A $70,000 reassessment landed at a translation services company in Cambridge, Ontario, resting on a provincial payroll levy that had never been registered for or remitted. The objection was allowed in full.
A translation services company in Cambridge, Ontario had been reassessed for $70,000 and had 6 days left on the objection deadline. The reassessment rested on a provincial payroll levy that had never been registered for or remitted. We filed the objection inside the deadline with a complete submission rather than a placeholder, and assessed and claimed Ontario Innovation Tax Credit alongside the federal return. The appeals officer allowed the objection in full. $70,000 was reversed and the account returned to a nil balance.