Helping Childcare Centres & Businesses Hit $1M Without Working More Hours

Specialist Chartered Accountants fixing profit, tax & occupancy rates in your business.

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Your Business Has More Growth & Potential in It…

You’re close. The money is there. You just need clear numbers, KPIs and simple tweaks to draw it out.

  • Rewards Not Matching the WorkLoad

    You’re close. The money is there. You just need clear numbers, KPIs and simple tweaks to draw it out.

  • No Clear Picture or Strategy

    Your numbers feel messy, you’re always on the back foot and you don’t know what they mean. You don’t feel secure in your business.

  • Stuck in the Same Spot

    You want to grow, but nothing changes month to month. You want to hire more staff and open up another location, but you’re not sure you can.

Time & Your Competition Wait For No One.

Every week you wait is more profit you could already be keeping and using to grow your business, rather than falling behind.

CLIENT HIGHLIGHT

When working with an ‘ordinary accountant’, our centre’s cash flow was reactive, our costs were out of control, and we often faced unexpected losses in our centre some months we couldn’t even pay ourselves.

When we moved to Joe, he identified the key KPIs we were missing and introduced cost-management strategies that lifted our profitability by more than 25% in the first year, completely transforming the way we ran the business.

Since then, we’ve expanded into additional childcare centres and achieved our goal of owning freehold sites.

Joe’s guidance has also enabled me to generate meaningful returns and consistent dividends, creating a significant financial improvement for myself and my family.

Phil - Child Care Centre Owner

Every Business & Centre Is Different.

You deserve a plan that fits and is proven to work:

  • Business Owners

    You run the show and do the hard work. We help you see your money clearly so you can grow with confidence.

  • Childcare Centres

    You handle staff, parents, and rules. We help you fix profit leaks and grow your centre with simple steps.

  • Growing Teams

    Your business is getting bigger and needs better numbers. We give you KPIs and clear checks to help you stay on track.

  • Busy Operators

    You don’t have time for messy numbers. We make everything simple so you can focus on running the business.

CLIENT HIGHLIGHT

Working with the B&M team, we struggled with cash flow and barely broke even in our centre.

Things changed drastically when we joined B&M. With their guidance, we went from one centre to three and exceeded $1 million in profit.

They helped us build clear industry benchmarks and streamlined our budgeting so we finally understood our numbers and could make confident decisions.

Their systems allowed me to step back from day-to-day financial work and focus on growing the business.

Without Joe & the team, we likely would have left the childcare sector altogether!

Darren | Owner - Freckles Kindy & Learning Centre

We keep things clear, strategic and easy.

You get the numbers, steps, and support you need to grow your profit without extra stress.

  • Profit Fix & Review

    We check your numbers, find money leaks, and show you what to fix first so your profit grows fast.

  • KPI & Cash Flow Setup

    We set up simple KPIs and cash checks so you always know what’s working and what’s not.

  • Tax Planning & Savings

    We plan your tax the smart way so you keep more money and avoid surprises.

  • Ongoing Support

    We guide you each month with clear steps, simple tools, and answers you understand.

Businesses We Work With

We work with business owners and childcare centres across many industries who want clear numbers, less stress, and stronger profit.

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WHAT OUR CLIENTS SAY

  • Joe’s guidance has played a major role in building my superannuation to a level where I can now retire comfortably (well ahead of schedule). 

    Over the years, his tax saving strategies and discipline helped me grow my balance far beyond what I could have achieved on my own.

    Thanks to Joe’s long-term advice, I have true financial freedom.

  • We’ve been working with B&M Financial for several years now, and their professionalism and expertise have made a measurable difference. 

    They identified gaps in our business that two previous accountants had completely overlooked, saving us thousands in tax over the past few years. 

    The level of support and clarity they provide has given us far more confidence in our finances, and the fact we regularly recommend them to friends speaks for itself.

  • As a long-term client running a plastering business, their advice and professionalism have helped me strengthen my numbers every year. 

    Through better structuring and ongoing tax planning, they’ve improved my cash flow, reduced unexpected tax bills, and saved me thousands that I’ve been able to reinvest back into the business.

    Because of their support, I’m in a far stronger position for the future, with stable finances, clear reporting, and the confidence to plan ahead. I’m genuinely grateful for everything they’ve done over the years.

  • My previous accountant never explained things in a way I could understand, and it left me constantly stressed. 

    Within a short time of working with Joe, he cleaned up my tax position, fixed several issues that had been missed, and gave me a clear plan so I finally felt in control of my business finances.

    For the first time in my life, I can focus on doing the work I love without worrying about tax. If I have a question, I get an immediate, easy-to-understand response, and that level of support has been a game changer. It’s EPIC.

We focus on optimising your tax position and fixing your profit and occupancy rates.

$20M+ Profit

Improved

Money saved and

profit gained across

the clients we support.

300+ Businesses

Helped

Money saved and

profit gained across

the clients we support.

20+ Years

Experience

Real hands-on work helping businesses grow strong.

Fast Wins in

Weeks

Most clients see

clearer money and

better results in their

first month.

Hi, I’m Joe

Chartered Accountant, Business Owner, & Founder,

Together with my wife Aletia, having grown a number of Childcare Centres and businesses, I know the real pressure you are experiencing behind the scenes.

From taking centres on the verge of shutting down, to thriving multi-centre locations, dialling in staffing, costs, cash flow, long days, and profit margins are non-negotiable.

Most business owners work extremely hard, but their money doesn’t work for them. So having been through the same experience, I made it my mission to change exactly that.

Particularly in Childcare and service based businesses, there are so many hidden leaks that drain profit, and keep you restricted.

The work we do at B&M Financial focuses on optimising your tax position, and fixing your profit and occupancy rates.

My goal is to get you to run a business that makes great money, allows you to feel in control, and grows without extra stress.

It’s the life that is readily available to you if you have the right strategy.

Here for you to change things!

More Great Wins From Our Centre & Business Owners

  • Joe has helped us strengthen our super position and build the confidence that our investments can comfortably support us.

    Jenny & Wayne

  • “We lifted our profit fast. The KPIs were simple, and we finally understood what was holding us back.”

    L.C., Childcare Centre Owner

  • “My margins jumped. I stopped guessing and started making clear money moves.”

    R.M., Service Business

You don’t have to guess anymore.

Fill in a few details to gain more profit and grow your business.