Everything Canadian business owners ask before they get in touch.

Our head office is at 22 King St S, Suite 300, Waterloo, ON N2J 1N8. We serve clients across Canada and most of our engagements run remotely, with on-site visits as needed.

Numinor was founded in 2018 by accountants, operators, and former CFOs who had lived through the scaling problem. We started the firm to give Canadian small businesses the kind of advisory most never get to access.

Canadian businesses from pre-revenue startups through CAD 20M+ established companies. Our smallest clients are pre-incorporation founders on the Startup Booster; our largest are multi-entity holding structures with an embedded fractional CFO.

Yes. Our senior advisors are Canadian CPAs. We provide accounting and advisory services. We do not offer audit or legal services.

We are tech-forward by default. The work is 50/50 people and software: brilliant tools surface answers in seconds, and senior advisors turn those answers into the calls only an owner can make. Books close on the fifth, not the 30th. You get a named lead, not a ticket queue.

Every transaction categorized and reconciled, bank and credit card reconciliations to the penny, AR and AP support, payroll integration, GST/HST tracking, and standard reports (P&L, balance sheet, cash flow). All under one monthly fee.

We close by the fifth of every month for clients on monthly bookkeeping. That includes reconciling all bank and credit accounts, posting accruals, and sending you a one-page recap with the full statements.

Yes. Clean-ups are scoped flat as a one-time project before the monthly engagement begins. We give you a quote, a target date, and a list of what you will get back at the end. Most catch-ups land in two to six weeks.

We lead with QuickBooks Online and stay tech-agnostic. We also work in Xero, Wave, Sage, and NetSuite. If your current stack works, we keep it. If it does not, we tell you why.

Yes. We set you up on the method that fits your stage and reporting needs. Early-stage and pre-revenue companies often start on cash basis. Companies preparing for fundraising or reporting under IFRS or ASPE move to accrual.

Yes. Multi-entity consolidation, inter-company eliminations, and multi-currency reporting are standard. You get statements in your reporting currency, with source detail one click away.

Yes. Every account has a named lead and a named backup, so you always have one person to talk to and never have to wait for vacations to end.

Yes. We track GST and HST throughout the year, claim the right input tax credits (ITCs), and file quarterly or annual returns as required. Multi-province ship-to tracking is handled when you sell across the country.

Yes, and we recommend it. Coordinating the T1 personal return with the corporate T2 lets us optimize the salary versus dividend mix, manage shareholder loans, and time RRSP contributions. One advisor, one plan.

We open it, read it, and respond on your behalf. We keep working papers and source documents archived for every return we file. When the CRA reviewer calls, they call us, not you.

T2 corporate returns are due six months after fiscal year-end. Tax owing is due two or three months after year-end, depending on whether your CCPC qualifies for the extended deadline. We work backward from those dates so payments are never late.

It depends on your personal income, RRSP room, CPP plans, and the corporate tax rate. We model both options every year and recommend the mix that minimizes total household tax while still funding retirement and the company.

Yes. We file back-year T2 and T1 returns. If you qualify, we apply for the CRA Voluntary Disclosures Program to reduce penalties. Scoped flat as a one-time project before any ongoing work.

Yes. T4s for employees, T5s for shareholder dividends, T4As for contractors, and T5018s for trade subcontractors. Issued on time, summaries filed with the CRA, copies stored in your owner portal.

Numinor CFO services range from CAD 1,500 per month for the Advisory tier through CAD 5,250+ per month for Custom embedded engagements. See our CFO pricing page for full details.

A controller runs the close: closing the books, reconciling accounts, producing reports. A CFO runs the call: strategic decisions, forecasting, fundraising, M&A. Controllers make sure the numbers are right. CFOs make sure the numbers drive the decision.

When the questions get bigger than your bookkeeper can answer. Common triggers: a fundraise, a hiring decision that affects runway, a pricing reset, an exit conversation, or a profitability puzzle the books cannot solve.

Yes. On retainer and embedded engagements your CFO is your named finance point of contact externally. They sit on board calls, answer investor questions, and run the numbers section of the pitch.

No. We work on top of your existing books. That said, the CFO work moves faster when the books are clean. If your books need help, we will say so and scope it separately.

Custom software development with technical uncertainty, hardware and firmware prototyping, process and manufacturing R&D, and structured engineering experiments. The work must aim to advance scientific or technological knowledge with an uncertain outcome.

Yes, and pre-revenue founders are some of the most successful SR&ED claimants because the refund is in cash, not just a tax offset. If you spent on engineers this year, there is likely a claim to make.

The average claim we file for a growth-stage SaaS company is around CAD 180,000. Your number depends on engineering hours and salaries, contractor fees, and qualifying materials. We estimate the claim size on a short discovery call.

We respond on your behalf with the working papers and technical write-ups already in place. The CRA reviewer talks to us, not to your engineers. We stand behind every claim we file.

Refunds typically arrive eight to twelve weeks after filing if there is no review, three to six months if there is. We file as soon as your year-end is closed so the clock starts as early as possible.

Yes, within the 18-month window after your fiscal year-end. If you have left money on the table in the last two years, there is still time. Scoped flat as a one-time project.

For most monthly plans, no. If your books need a one-time clean-up before the engagement starts, we scope it flat and quote up front.

Most engagements start within a week. Book a complimentary call, share access to your current books and stack, and we send back a plan in 48 hours. The Startup Booster onboards in two weeks.

Monthly plans are month-to-month after a short initial commitment, typically three months. We do not lock anyone in. If we are not the right fit, you can leave with no penalty.

Yes. Every engagement starts with a complimentary 20-minute strategy call. We see your stack, you see ours, and we tell you whether we are a fit. No pitch deck, no pressure.

Yes. Clients who combine bookkeeping with tax and CFO services typically save 10 to 20 percent versus pricing services separately. We quote the bundle on the discovery call.

Yes. We walk you through federal or provincial incorporation, register your CRA accounts (business number, GST/HST, payroll, T2), open business banking, and set up the chart of accounts. The full day-one stack in two weeks.

Usually around CAD 1 to 2 million in annual revenue, or when the questions get strategic (fundraising, hiring plans, pricing). Until then, a fractional CFO with strong bookkeeping is more cost-effective than a full-time hire.

Yes. We build the financial section of your pitch deck, the data room, and answer investor due-diligence questions alongside you on the call. Strategic CFO and Custom plans include this work.

The Booster is for newly incorporated businesses under one year old with under CAD 5,000 monthly expenses. Once you cross that threshold, you transition to Numinor Essentials Bookkeeping (from CAD 299 per month) with no re-onboarding.

Yes. Our advisory bench has helped Canadian companies through nine-figure exits, including CAD 30B+ in deal experience. We model the exit, prepare the books, and sit alongside you with the M&A counsel.

Likely yes. We have client teams in trades, retail and DTC, professional services, food service, health practices, creative agencies, franchise networks, and life sciences. If we are not the right fit, we will say so on the discovery call.

Yes. We run multi-province payroll routinely, including the source-deduction differences, provincial health premiums, and WSIB or WorkSafeBC, depending on where your people sit.

We track them properly through shareholder loan accounts, reconcile draws against personal tax planning at year-end, and adjust salary or dividend levels to keep household tax optimized.

Yes. Multi-entity consolidation, multi-location P&L reporting, and inter-company eliminations are standard. Franchise networks and multi-store retailers run on the same setup.

If you operate in construction and 50 percent or more of your business activity is construction services, yes. T5018 slips report payments to subcontractors and are due six months after fiscal year-end.

Generally, once you exceed CAD 30,000 in revenue over four consecutive calendar quarters, you must register. Some sectors have specific rules. We watch the thresholds and register you the moment you cross.

We monitor your CRA account, open every notice, and respond on your behalf. Most notices are routine and resolved within days. If a review or audit is involved, we handle the correspondence and prepare the working papers.

IFRS (International Financial Reporting Standards) is used by publicly accountable enterprises and by private companies that choose to use it. ASPE (Accounting Standards for Private Enterprises) is the default for Canadian private companies. We can prepare under either.

Yes. CPP, EI, and federal and provincial income tax withholdings are remitted on schedule. We file the PD7A returns and reconcile the year-end T4 summary with what the CRA has on file.

Yes. We pull data through A2X or Synder so Shopify and Amazon settlements land in your books with fees, refunds, and chargebacks separated correctly. Net revenue, not gross deposits.

Yes. We work in Clio, PCLaw, CosmoLex, and ESILaw for law firm clients. Time, disbursements, and trust transfers sync into QuickBooks (or Xero) with the right tags so reporting is one click away.

Yes. We use bank-grade encryption, role-based access, and SOC-2-compliant infrastructure for client data. Employees are bound by confidentiality agreements. We never sell or share your data.

Yes. Every client has access to a portal with real-time financial reports, monthly recaps, and stored documents. You can pull a P&L or balance sheet in two clicks, any time.

You can reach our team at hello@numinor.ca. We come back within one business day.

We are always looking for senior CPAs, CFOs, and operators with prior founding experience. Send a note to hello@numinor.ca with a short summary of what you have built and where you have worked.

Yes, and we appreciate it. We run a small referral program for accountants, advisors, and operators who send us clients that become engagements. Email us for details.