Accountual
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Services

Your finance team, until you hire one.

Three services, one team and one set of books. Start with bookkeeping, then add tax and finance support when you need them.

Every day, every month

Bookkeeping and monthly close

AI agents code and reconcile every transaction the day it lands. Each month a CPA reviews what they flagged, explains what changed and signs the statements you send to your board, by the fifth business day.

  • Accrual-basis books under US GAAP
  • Bank, card and payroll accounts reconciled daily
  • Income statement, balance sheet and cash flow
  • Burn, runway and a note on what changed
Northwind LabsIncome statement
October 2026
OctSepChange
Revenue218,400204,900+6.6%
Cost of revenue(41,300)(39,800)+3.8%
Gross profit177,100165,100+7.3%
Payroll(398,200)(391,000)+1.8%
Software and hosting(61,750)(58,900)+4.8%
Marketing(52,300)(47,800)+9.4%
Other operating(42,830)(34,800)+23.1%

DWThe audit preparation invoice landed in October. It is a one-off, not a new run rate.

Operating loss(377,980)(367,400)+2.9%
Interest income11,20410,870+3.1%
Net loss(366,776)(356,530)+2.9%
Reviewed and signed by Dana Whitfield, CPA · Nov 3
Filing calendarDelaware C corporation, calendar year
Form 1099-NEC to contractorsPrepared from payments already coded in your books
Filed
Delaware franchise tax and annual reportCalculated under both methods, filed at the lower one
Filed
Federal and state income tax returnsForm 1120, with the R&D credit on Form 6765
CPA review
Estimated tax paymentsApril, June, September and December, from live books
Scheduled
R&D credit against payroll taxForm 8974, filed with your quarterly payroll return
Scheduled
Every deadline, every year

Tax

Returns are prepared from books that a CPA has already reviewed twelve times, so nothing has to be rebuilt in March. Qualifying startups can also put up to $500,000 of R&D credit a year against payroll tax, and we handle that claim from study to filing.

  • Federal and state income tax returns
  • Delaware franchise tax and annual report
  • R&D tax credit study and claim
  • 1099s, sales tax and state registrations
When you need it

Finance support

The work a controller or fractional CFO would do, from people who already know your numbers. Ask a question on Monday and get the answer with the model behind it.

  • Budget, forecast and runway scenarios
  • Board and investor reporting
  • Fundraising diligence and data room
  • Audit and 409A preparation
Runway scenariosCurrent planFour hires in January
Current plan
10.9 months
Four hires in January
9.7 months
Difference
5 weeks

Who does what

The split between AI and people, in writing.

AI handles volume. A CPA handles judgment and puts their name on the result.

WorkAI agentsYour CPA
Coding and reconcilingEvery transaction, the day it landsReviews what the agents flag
Revenue and accrualsPrepares the entries with their sourcesSets the policy and approves the entries
Month-end closeRuns the checklist and drafts statementsExplains the changes and signs the close
Tax returnsAssembles workpapers from the booksPrepares, signs and files
Board reportingDrafts the pack from live numbersReviews it with you before it goes out
Your questionsAnswers with the entries behind the numberTakes anything that needs judgment

Next month's close, signed.

Book a short call with a partner. We will look at your books and tell you what switching takes.

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