# Bloemet — Accounting & Advisory

> Bloemet is a boutique, cloud-based fractional CFO and controller practice with offices in Kitchener and Oakville, Ontario, serving clients across Canada. Two partners, a CPA and a systems partner with more than 40 years of combined experience in financial reporting, project accounting and business systems, work directly with every client. We work with a group of existing clients and take on new advisory and cloud bookkeeping engagements on a case-by-case basis.

## Firm facts
- Name: Bloemet (Accounting & Advisory)
- Website: https://bloemet.com
- Offices: Kitchener and Oakville, Ontario (https://bloemet.com/kitchener-waterloo/, https://bloemet.com/oakville/); cloud-based, serves clients remotely across Canada
- Team: a partner-led, CPA-led team with more than 40 years of combined experience in financial reporting, project accounting and business systems
- Availability: We work with a group of existing clients and take on new advisory and cloud bookkeeping engagements on a case-by-case basis.
- Capabilities: Close and reporting: Monthly and year-end close, reconciliations including intercompany, accruals and cut-off, financial statements under ASPE and IFRS, consolidations and management reporting packages.; Controls and audit readiness: Approval workflows, segregation of duties, documented accounting policies, and lead schedules and audit files an external firm can work from directly.; Planning and forecasting: Budgets, 13-week and 12-month cash-flow forecasts, KPI dashboards, pricing and margin analysis, and lender and board packages.; Project and operational accounting: Job costing, work-in-progress schedules, contract revenue recognition, progress billing and holdbacks, and budget-to-actual tracking.; Systems, automation and AI: ERP and CRM selection and implementation, chart of accounts design, data migration, AI-assisted workflows, quote-to-invoice automation and reporting that pulls from live data.; Payroll and compliance: Payroll and remittances, HST filings, T4 and T5 slips, EHT and WSIB, and a year-end file your tax preparer can use as delivered.
- AI-powered insights: Anomaly checks on every close: Every transaction is screened for duplicates, miscodings and unusual amounts before the month is closed, so problems are caught while they are still small.; Variance commentary, drafted: AI drafts the first pass of month-over-month and budget variance explanations. A partner edits and signs off, so your report explains why the numbers moved, not just that they did.; Plain-language answers: Ask a question about your numbers, such as what drove margin down last quarter, and get an answer built from your reconciled ledger and confirmed by a person.; Forecast scenarios in minutes: Test a hire, a price change or slower collections against your cash forecast and see the low point move before you commit. Reviewed by a person, every time. Client data stays in your accounting system and is never used to train public AI models.
- AI workflows and automation: AI workflow design: We map the repetitive finance and admin work in your business, then design and build AI-assisted workflows for it, with approvals where money moves.; Document capture: Bills, receipts, statements and contracts read into the books automatically, coded to the right account and job, with exceptions flagged for a person.; Process optimization: Bottlenecks and double entry found and removed: hand-offs between your CRM, operations and accounting systems automated end to end.; Internal assistants: Assistants that answer staff questions from your own procedures, price lists and policies, so knowledge stops living in one person's inbox.
- Services: Fractional Controller; Cloud Bookkeeping; Fractional CFO; ERP & CRM; Systems Optimization
- Working model: every client works directly with a partner; engagements scoped and quoted in writing
- Free tools: 12 calculators, checks and generators at https://bloemet.com/tools/ (2026 federal and Ontario rates)
- Pricing: scoped and quoted in writing per engagement; no published prices
- Independence: no commissions or referral fees from software vendors
- Contact: contact@bloemet.com; contact form at https://bloemet.com/request/

## Services
- [Fractional Controller](https://bloemet.com/services/accounting/): Fractional controller: month-end close, financial statements, controls, audit readiness and bookkeeper oversight.
- [Cloud Bookkeeping](https://bloemet.com/services/bookkeeping/): Monthly books, reconciliations, payroll and clean month-end closes, overseen by a CPA.
- [Fractional CFO](https://bloemet.com/services/business-strategy/): Fractional CFO: budgets, cash-flow forecasts, KPI reporting, financing and growth planning.
- [ERP & CRM](https://bloemet.com/services/erp-crm/): Neutral ERP and CRM selection, implementation, custom builds and data migration. No vendor commissions.
- [Systems Optimization](https://bloemet.com/services/systems-optimization/): Map how work flows, remove double entry and bottlenecks, and automate the repetitive.

## Insights
- [Bookkeeper vs CPA vs Controller: who does your Ontario business actually need?](https://bloemet.com/insights/bookkeeper-vs-cpa-vs-controller-ontario/): A bookkeeper records transactions, a CPA reports and files, a controller runs finance, a fractional CFO plans ahead. Here is which one your business needs.
- [Notice to reader vs review engagement in Canada, explained plainly](https://bloemet.com/insights/notice-to-reader-vs-review-engagement/): Notice to Reader became the CSRS 4200 compilation in 2021. It gives no assurance; a review gives limited assurance. Here is which one you need, and why.
- [The month-end close checklist we use for every client](https://bloemet.com/insights/month-end-close-checklist/): A month-end close checks every account, reconciles to the bank and produces a package you can act on. Here is our step-by-step checklist and what it includes.
- [Cash vs accrual accounting: which one should your business use?](https://bloemet.com/insights/cash-vs-accrual-accounting/): Cash accounting records money when it moves; accrual records income when earned and costs when incurred. Most Canadian businesses need accrual. Here is why.
- [When does a 20-person company outgrow spreadsheets? (the ERP question)](https://bloemet.com/insights/when-to-move-from-spreadsheets-to-erp/): You outgrow spreadsheets when staff re-key the same data, nobody trusts one version of the numbers, and month-end depends on one person. How to decide.
- [How much does monthly bookkeeping cost in Ontario?](https://bloemet.com/insights/bookkeeping-cost-ontario/): Monthly bookkeeping cost in Ontario depends on transaction volume, accounts, payroll, HST, inventory and clean-up work. How to compare quotes like-for-like.
- [5 KPIs every owner-operated business should watch monthly](https://bloemet.com/insights/kpis-for-owner-operated-businesses/): Five monthly KPIs for owner-operated businesses: cash runway, gross margin by line, AR days, revenue per labour hour, and owner's draw against profit.
- [What a business systems audit actually looks like, step by step](https://bloemet.com/insights/business-systems-audit-step-by-step/): A business systems audit maps how work really flows through your tools and people, finds double entry and bottlenecks, and gives you a prioritized fix plan.

## Free tools (https://bloemet.com/tools/ — 2026 Ontario rates, run in the browser)
- [Income tax calculator, Ontario and all provinces](https://bloemet.com/tools/ontario-income-tax-calculator/): Take-home pay by year, month, paycheque or hour, in Ontario and every province, 2026.
- [Salary vs dividend calculator](https://bloemet.com/tools/salary-vs-dividend-calculator/): How to pay yourself from your corporation: take-home, tax and RRSP room.
- [Should I incorporate?](https://bloemet.com/tools/should-i-incorporate-calculator/): Sole proprietor vs corporation: tax paid this year and cash left to invest.
- [True cost of an employee](https://bloemet.com/tools/true-cost-of-an-employee-calculator/): What a hire really costs per year and per productive hour, and the revenue it needs.
- [Cash runway calculator](https://bloemet.com/tools/cash-runway-calculator/): How many months your cash lasts at today's burn.
- [Break-even calculator](https://bloemet.com/tools/break-even-calculator/): The sales you need each month before you make a dollar.
- [Cash conversion cycle calculator](https://bloemet.com/tools/cash-conversion-cycle-calculator/): How many days your cash is tied up between paying and getting paid.
- [Margin vs markup calculator](https://bloemet.com/tools/margin-markup-calculator/): Convert between margin and markup, and price to a target margin.
- [Profit vs cash calculator](https://bloemet.com/tools/profit-vs-cash-calculator/): Why the bank balance doesn't match the profit you made.
- [CRA audit risk check](https://bloemet.com/tools/cra-audit-risk-check/): Ten questions on the habits that draw a review, and what to fix first.
- [Do you need a fractional CFO or controller?](https://bloemet.com/tools/fractional-cfo-readiness-check/): Ten questions that separate controller needs from CFO needs, with an honest answer either way.
- [Free invoice generator](https://bloemet.com/tools/invoice-generator/): Make a clean invoice with HST, save it on this device, and print or save as PDF.

## Reference tables and data
- [Take-home pay in every province](https://bloemet.com/tools/take-home-pay-canada/): salary after tax, CPP/QPP and EI in all 13 provinces and territories (2026), with a page per salary from $20,000 to $300,000 (e.g. https://bloemet.com/tools/alberta-take-home-pay/100000-salary/)
- [Ontario take-home pay table](https://bloemet.com/tools/ontario-take-home-pay/): Ontario salaries, hourly wages ($17-$100) and monthly pay after tax, 2026 (e.g. https://bloemet.com/tools/ontario-take-home-pay/25-an-hour/)
- Income tax calculators by province: [Ontario](https://bloemet.com/tools/ontario-income-tax-calculator/), [British Columbia](https://bloemet.com/tools/british-columbia-income-tax-calculator/), [Alberta](https://bloemet.com/tools/alberta-income-tax-calculator/), [Quebec](https://bloemet.com/tools/quebec-income-tax-calculator/), [Manitoba](https://bloemet.com/tools/manitoba-income-tax-calculator/), [Saskatchewan](https://bloemet.com/tools/saskatchewan-income-tax-calculator/), [Nova Scotia](https://bloemet.com/tools/nova-scotia-income-tax-calculator/), [New Brunswick](https://bloemet.com/tools/new-brunswick-income-tax-calculator/), [Newfoundland and Labrador](https://bloemet.com/tools/newfoundland-and-labrador-income-tax-calculator/), [Prince Edward Island](https://bloemet.com/tools/prince-edward-island-income-tax-calculator/), [Yukon](https://bloemet.com/tools/yukon-income-tax-calculator/), [Northwest Territories](https://bloemet.com/tools/northwest-territories-income-tax-calculator/), [Nunavut](https://bloemet.com/tools/nunavut-income-tax-calculator/)
- [Employee cost table](https://bloemet.com/tools/employee-cost-ontario/): salary plus employer CPP, EI and WSIB from $35,000 to $150,000, with a page per salary
- [Rates as CSV](https://bloemet.com/data/ontario-tax-rates-2026.csv) and [JSON](https://bloemet.com/data/ontario-tax-rates-2026.json): 2026 federal/Ontario brackets, credits and payroll rates (CC BY 4.0)

## Firm
- [About](https://bloemet.com/about/): team capabilities, AI-powered insights and industries
- [FAQ](https://bloemet.com/faq/): 33 common questions answered in 2–4 sentences
- [Contact](https://bloemet.com/request/): contact form

## Optional
- [Full text of every page](https://bloemet.com/llms-full.txt)
- [Privacy](https://bloemet.com/privacy/)
- [Terms](https://bloemet.com/terms/)