Five specialists draft the pack. The chartered accountant signs every figure.
The Finance Crew is the close cycle, the financial statements, the tax pack and the AGM kit for a Singapore SME caseload — drafted by five narrow specialists, signed off by a senior chartered accountant, filed against IRAS and ACRA on the calendar that already exists. Nothing in the pack leaves the studio without a human's name beside it.
We packed the seats of an accounting-firm back-room into one agent crew, and gave the chartered accountant the only seat that signs. On this page: the shape, the close cycle on the whiteboard, and four sample outputs against a fictional client — illustrative figures, not real client data.
A monthly cadence. Five specialists behind it. A chartered accountant in front of it.
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; nothing is "the bookkeeper got busy this month."
Ledger, close, reporting, tax, governance. One narrow brief per agent. Each one has a single deliverable and a single signing handoff. None of them tries to be a CFO.
Reads every figure. Approves every classification. Signs every filing. The crew drafts the pack; a registered chartered accountant carries the licence and the liability that goes with it.
Five narrow specialists. One chartered accountant.
- ledger.agentBook-keep + reconcile
Pulls accounting exports, bank statements, AP/AR invoices, payroll and expense claims into one source ledger. Classifies against the chart of accounts, reconciles to the bank, ages receivables and payables. Every line carries a link back to the source document; nothing is paraphrased into the data.
- close.agentMonth-end close
Posts accruals and prepayments, runs depreciation and right-of-use amortisation, reconciles intercompany balances, computes FX revaluation, accrues for unbilled revenue and bonus provisions. Hands a closed trial balance over the wall — same week, every month.
- reporting.agentFinancial statements
Drafts Statement of Comprehensive Income, Statement of Financial Position and Statement of Cash Flows in SFRS-compliant format with prior-period comparatives, note references, and a variance commentary that names the driver — not "expenses increased."
- tax.agentTax + GST
GST F5 every quarter at 9%. ECI within three months of FYE. Form C-S or Form C — chargeable-income reconciliation, capital allowances under S19/S19A, Partial Tax Exemption, withholding tax on cross-border payments. Cites the section number, not just the rule of thumb.
- governance.agentAGM + ACRA filings
Drafts 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, FS lodgement — so a deadline never gets discovered late.
- chartered accountant (human)Signs every figure
No financial statement, no tax form, no statutory filing leaves the studio without a registered chartered accountant signing it. The crew drafts the pack and reconciles it; a person with a name on a practising certificate carries the file.
Four packaged outputs. Every figure tied to a source row.
Below are four sample reports — drafted against a fictional client for the FY ended 31 December 2025. The same templates, signing blocks, and reconciliation logic the crew runs against the live caseload. Open them; we'd rather show the work than describe it.
P&L drafted in SFRS format. Note references, OCI line, signing block.
Balance sheet with non-current / current split, equity, lease liabilities, deferred tax.
Profit-before-tax to chargeable income reconciliation. Capital allowances schedule. Partial Tax Exemption applied.
Box 1–15 working. Standard-rated sales schedule. Reconciliations to GST control account.
Sample data only. Fictional company "Tanjong Pier Trading Pte Ltd" — UEN, customer names and figures illustrative. Nothing on these workbooks corresponds to any real wGrow client.
- Read the variance, not the totals. Reporting drafts the FS with line-level commentary against prior period. The accountant reads the deltas first — a 14% jump in admin expense gets a why 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; the agent shows the row. No "trust me" reconciliations.
- Approve the classifications. Disallowable add-backs, capital allowances under S19 vs S19A, GST input-tax restrictions under Reg 26/27 — the agent proposes, the accountant approves the call. Borderline items flag rather than guess.
- Sign the filings. ECI, GST F5, Form C-S, ACRA Annual Return, XBRL FS — every one has a signature line. The crew prepares the file; a chartered accountant submits it under their practising certificate.
- Close the loop with the director. Director's Report, AGM resolutions, signed FS go to the company directors with a one-page management summary that names the figures the directors actually need to know — not a 40-page paraphrase.
- No real-client screenshots, no real-client data. The page shows the shape and four sample outputs against a fictional company. Illustrative only — we won't dress up real engagements as 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 back, it doesn't get drafted — it gets flagged.
- No filing without a chartered accountant. No ECI, no GST F5, no Form C-S, no XBRL leaves the studio without a registered chartered accountant's signature on the file. The agent is the draft; the human is the signature.
- No "AI bookkeeper" replacing the practitioner. The crew handles the close cycle, the schedules, the reconciliations and the drafts. The judgement calls — disallowable add-backs, capital-allowance claims, related-party disclosure, going-concern — sit with the chartered accountant. We don't simulate professional judgement.
- No tax position without a section number. Add-backs, capital allowances, exemptions, withholding — every position cites the IRAS section it leans on. "Industry practice" is not a citation.
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, ship listing-ready ecommerce imagery, and brief ecommerce product selection and sourcing. Same shape every time: narrow agents, a curated registry, an eval harness, a human in the only seat that signs. We'll build the seventh for whatever your finance function is currently doing the long way.
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