Crew 06: live, finance reporting and statutory filings
Five specialists draft the pack. The chartered accountant signs every figure.
The Finance Crew handles the close cycle, financial statements, tax pack and AGM kit for a Singapore SME caseload. Five narrow specialists draft them, a senior chartered accountant signs off, and everything is filed with IRAS and ACRA on the existing calendar. Nothing in the pack leaves the studio without a person's name beside it.
We put the roles of an accounting firm's back room into one agent crew, and only the chartered accountant signs. This page covers the shape, the close cycle and four sample outputs for a fictional client, with illustrative figures and no real client data.
The shape
A monthly cadence, five specialists and a chartered accountant.
Monthly cadence
Books close the same week every month. Quarterly GST F5 by the last day of the next month. Annual ECI within three months of FYE. Form C-S by 30 November. AGM and ACRA Annual Return on the statutory clock. The crew runs the calendar, so a busy month doesn't delay the books.
Five specialists
Ledger, close, reporting, tax and governance. Each agent has one narrow brief, one deliverable and one signing handoff, and none of them tries to be a CFO.
Chartered accountant
Reads every figure, approves every classification and signs every filing. The crew drafts the pack, and a registered chartered accountant carries the licence and the liability that goes with it.
The agent crew
Five narrow specialists and one chartered accountant.
ledger.agent
Bookkeeping and reconciliation
Pulls accounting exports, bank statements, AP and AR invoices, payroll and expense claims into one source ledger. Classifies against the chart of accounts, reconciles to the bank and ages receivables and payables. Every line links back to its source document.
close.agent
Month-end close
Posts accruals and prepayments, runs depreciation and right-of-use amortisation, reconciles intercompany balances, computes FX revaluation, and accrues for unbilled revenue and bonus provisions. It hands over a closed trial balance in the same week every month.
reporting.agent
Financial statements
Drafts the Statement of Comprehensive Income, Statement of Financial Position and Statement of Cash Flows in SFRS-compliant format, with prior-period comparatives, note references, and variance commentary that names the driver of each change.
tax.agent
Tax and GST
GST F5 every quarter at 9%. ECI within three months of FYE. Form C-S or Form C, with chargeable-income reconciliation, capital allowances under S19/S19A, Partial Tax Exemption and withholding tax on cross-border payments. It cites the section number as well as the rule of thumb.
governance.agent
AGM and ACRA filings
Drafts the Director's Report, AGM resolutions, dividend declarations, the Annual Return to ACRA and the XBRL filing in the right taxonomy. Tracks every statutory clock (incorporation anniversary, AR due date, AGM window and FS lodgement) so no deadline is discovered late.
Chartered accountant (human)
Signs every figure
No financial statement, tax form or statutory filing leaves the studio without a registered chartered accountant signing it. The crew drafts and reconciles the pack, and a person named on a practising certificate carries the file.
What it ships
Four packaged outputs, with every figure tied to a source row.
These four sample reports are drafted for a fictional client for the FY ended 31 December 2025, using the same templates, signing blocks and reconciliation logic the crew runs on the live caseload.
Sample 01 · .xlsx · 6.5 KB
Statement of Comprehensive Income
FY2025 with FY2024 comparatives
P&L drafted in SFRS format, with note references, an OCI line and a signing block.
DownloadSample 02 · .xlsx · 7.0 KB
Statement of Financial Position
As at 31 December 2025
Balance sheet with non-current and current split, equity, lease liabilities and deferred tax.
DownloadSample 03 · .xlsx · 8.3 KB
Tax Computation: Form C-S
Year of Assessment 2026
Profit-before-tax to chargeable income reconciliation, a capital allowances schedule, and Partial Tax Exemption applied.
DownloadSample 04 · .xlsx · 8.6 KB
GST F5 Quarterly Return
Q4-2025, standard rate 9%
Box 1–15 working, a standard-rated sales schedule, and reconciliations to the GST control account.
DownloadSample data only. The fictional company "Tanjong Pier Trading Pte Ltd", its UEN, customer names and figures are illustrative. Nothing in these workbooks corresponds to any real wGrow client.
Sign-off
How the chartered accountant signs the pack.
Read the variance before the totals
Reporting drafts the FS with line-level commentary against the prior period. The accountant reads the deltas first, so a 14% jump in admin expense gets explained before the totals get a tick.
Drill from figure to row
Every line in the FS, the tax computation and the GST F5 deep-links to the underlying ledger row. The accountant samples, and the agent shows the row.
Approve the classifications
Disallowable add-backs, capital allowances under S19 or S19A, and GST input-tax restrictions under Reg 26/27: the agent proposes and the accountant decides. Borderline items get flagged, never guessed.
Sign the filings
ECI, GST F5, Form C-S, ACRA Annual Return and XBRL FS each have a signature line. The crew prepares the file, and a chartered accountant submits it under their practising certificate.
Close the loop with the director
The Director's Report, AGM resolutions and signed FS go to the directors with a one-page management summary of the figures they need to know, in place of a 40-page paraphrase.
What we won't ship
Five things the crew won't do.
No real-client screenshots or data
This page shows the shape and four sample outputs against a fictional company. We don't turn real engagements into marketing material.
No figure without a source row
Every line in the financial statements, the tax computation and the GST F5 deep-links to the underlying ledger row. If a number can't be traced, it gets flagged instead of drafted.
No filing without a chartered accountant
No ECI, GST F5, Form C-S or XBRL leaves the studio without a registered chartered accountant's signature on the file.
No "AI bookkeeper" replacing the practitioner
The crew handles the close cycle, schedules, reconciliations and drafts. Judgement calls on disallowable add-backs, capital-allowance claims, related-party disclosure and going concern sit with the chartered accountant.
No tax position without a section number
Add-backs, capital allowances, exemptions and withholding each cite the IRAS section they rely on. "Industry practice" isn't a citation.
A reusable pattern
Move the close.
Keep the signature.
This is one of six sample crews we run today. The other five run weekly BD pipelines, draft and fact-check articles, operate biological water treatment, produce listing-ready ecommerce imagery, and brief ecommerce product selection and sourcing. The shape is the same each time: narrow agents, a curated registry, an eval harness, and a human who signs. We'll build the seventh for whatever your finance function is still doing the long way.
Brief us