PKS & SDN BHD Bimbingan Setup Syarikat Baharu, Pemulihan Bisnes & Penyelarasan Cukai Korporat. New SME Setup Coaching, Business Recovery & Strategic Corporate Tax Advisory. Semak Status → Check Status →
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NEXAFINANCE

Financial Architecture & Advisory

Penasihat Senibina Kewangan (Fractional CFO) & Pembangun Sistem Financial Architecture (Fractional CFO) & Custom System Builders

Bukan Sekadar Catat Akaun & Template.
Kami Arkitek & Bina Sistem Kewangan Perniagaan Anda.
Beyond Bookkeeping & Templates.
We Architect & Build Custom Financial Systems For Your Business.

Bimbingan lengkap 3 fasa: usahawan baru buka syarikat perlukan template & cara guna, perniagaan pertengahan yang 'lost' untuk pulihkan lejar & aliran tunai, serta penyelarasan cukai korporat bagi membersihkan akaun, menstrukturkan kos jualan (COGS) dan memaksimumkan pelepasan sah. Complete 3-phase financial guidance: new startups needing accounting templates & hands-on setup, mid-stage businesses feeling lost needing backlog rescue & cash flow control, and corporate tax optimization to clean ledgers, structure COGS, and claim allowable deductions legally.

100% Patuh LHDN & MFRS
Pakar Penyelamat Backlog Backlog Rescue Specialists
Bank-Ready Profiling (DSR)
Pembangunan Sistem Tersuai Custom System Implementation
Diagnostik Pantas (1 Minit) Quick Diagnostic (1 Min)

Semak Tahap Kesihatan Akaun Anda Check Your Financial Health Score

Ketahui risiko audit LHDN, kelayakan bank, & potensi penjimatan syarikat. Discover LHDN audit risks, loan eligibility, & tax optimization opportunities.

Keupayaan Istimewa Kami Our Signature Capability

Bukan Sekadar Nasihat & Template.
Kami Rangka, Pasang & Latih Sistem Khas Untuk Anda.
Not Just Advice & Blank Templates.
We Architect, Deploy & Train Custom Systems For You.

Ramai usahawan pening kerana konsultan hanya beri kertas teori atau template kosong tanpa bimbingan teknikal. Pasukan kami turun padang untuk membina sistem operasi digital syarikat anda dari A hingga Z. Most consultants only hand over theoretical advice or static spreadsheets. Our technical team works directly inside your workflow to deploy and configure custom digital accounting engines from A to Z.

1. Pemasangan Sistem Digital (Cloud & ERP Mini) 1. Cloud Accounting & Mini ERP Deployment

Kami pasang dan konfigurasikan sistem akaun digital (Cloud Accounting, Bukku, SQL, AutoCount, atau template spreadsheet kustom berskala besar) yang sepadan dengan model bisnes dan saiz operasi syarikat anda. We set up and calibrate digital cloud accounting (Bukku, SQL, AutoCount, or bespoke enterprise-grade spreadsheets) precisely engineered to match your business model and volume.

  • Custom Chart of Accounts (COA)
  • Multi-Currency & Job Costing

2. Struktur Lejar & Penyelarasan Kos Jualan (COGS) 2. Ledger Architecture & COGS Structuring

Menyusun semula aliran transaksi harian supaya kos langsung barangan (COGS) dan perbelanjaan operasi diasingkan dengan tepat, mengelakkan bayaran cukai berlebihan ke atas keuntungan maya. Structuring daily transaction workflows so Cost of Goods Sold (COGS) and operational overheads are accurately classified, preventing overpaying tax on phantom profits.

  • COGS vs OPEX Classification
  • Allowable Business Expense Mapping

3. Rangka SOP & Latihan Hands-on Staf 3. Custom Financial SOPs & Staff Training

Kami bukan serah perisian dan tinggalkan anda. Kami rangka buku panduan SOP kawalan dalaman dan melatih kerani atau kakitangan akaun anda sehingga seluruh sistem berjalan secara autopilot. We never hand over software and vanish. We write practical internal control SOPs and train your clerks/admin staff hands-on until your financial engine operates on full autopilot.

  • Step-by-Step Filing Checklist
  • 1-on-1 Practical Staff Coaching

Realiti Usahawan Malaysia SME Financial Realities

Adakah Anda Mengalami Salah Satu Masalah Ini? Are You Experiencing Any of These Challenges?

Kebanyakan perniagaan bergelut bukan kerana jualan tidak laku, tetapi kerana kebocoran senyap di bahagian pengurusan akaun, aliran tunai, dan penalti percukaian. Most businesses struggle not from lack of sales, but from silent leaks in accounting compliance, cash flow mismanagement, and severe tax penalties.

Sales Juta-Juta Tapi Bank Kosong High Revenue, Zero Cash Flow

Keliru antara untung atas kertas (P&L) dengan baki tunai sebenar. Modal tersangkut pada hutang pelanggan yang tak dikutip dan margin jualan yang salah dikira. Confusing paper profits (P&L) with actual bank cash. Working capital trapped in uncollected receivables, poorly calculated margins, and unmonitored cash flow.

Sindrom "Akaun Kotak Kasut" (Backlog) "Shoebox Accounting" Chaos (Backlog)

Resit kertas dibiarkan bersepah dalam kotak hingga pudar dan hilang. Bila LHDN audit, semua belanja dibuang dan dikenakan penalti Seksyen 140. Thermal paper receipts left in shoeboxes until faded or lost. During LHDN tax audits, undocumented expenses are disallowed, triggering Section 140 penalties.

Duit Bisnes & Poket Pengarah Bercampur Commingling Company & Director Funds

Tiada struktur gaji rasmi pengarah. Mewujudkan baki "Directors' Advance" yang besar dan berisiko dikenakan faedah nosional cukai oleh LHDN. No formal director payroll structure. Large unmonitored "Directors' Advances" accumulate, exposing your company to deemed interest tax under audit.

Bank Reject Permohonan Pinjaman (DSR) Bank Loan & Facility Rejections (DSR)

Sengaja lapor akaun rugi semata-mata nak jimat cukai. Akhirnya bila nak beli premis kilang, hartanah, atau mohon kemudahan kredit, skor DSR gagal total. Reporting deliberate losses to avoid tax backfires. When applying for commercial mortgages, working capital, or bank credit lines, your DSR fails totally.

Bisnes Pertengahan Tapi 'Lost' Mid-Stage Business Operating 'Lost'

Jualan ratusan ribu tapi duit dalam bank lesap. Tiada pemisahan Kos Jualan (COGS) vs OPEX, lejar bertunggak berbulan-bulan, dan pengasas hilang arah kawalan kewangan. High revenue but depleted bank accounts. Zero visibility over Cost of Goods Sold (COGS) vs OPEX, months of backlog, leaving founders stranded without financial direction.

Takut Denda Anggaran Cukai CP204 Penalties on CP204 Tax Estimates

Salah anggar cukai syarikat Sdn Bhd melebihi 30% daripada cukai sebenar menyebabkan penalti automatik 10% di bawah Seksyen 107C Akta Cukai Pendapatan. Underestimating corporate tax by over 30% of actual tax liability triggers automatic 10% statutory penalties under Section 107C of the Income Tax Act.

Pakej Perkhidmatan Kami Our Service Packages

Penyelesaian Berperingkat Dari Asas Hingga Korporat Tiered Solutions From Early-Stage To Corporate

Pilih struktur sokongan yang menepati skala, sistem operasi, dan objektif kewangan syarikat anda. Select the advisory and implementation structure tailored to your business scale, system needs, and financial milestones.

Fasa 1: Syarikat Baharu Phase 1: New Business

Setup Syarikat Baharu & Master Template New Business Setup & Master Template

Sesuai untuk usahawan yang baru buka company (Sdn Bhd / Enterprise) yang memerlukan master template perakaunan standard dan bimbingan cara menggunakannya dari A-Z. Tailored for founders newly incorporating a company (Sdn Bhd / Enterprise) who need standardized accounting master templates and hands-on A-Z guidance.

RM 150 - RM 300 / bulan (atau One-off Setup A-Z RM600) / month (or One-off Setup A-Z RM600)
  • Master Template Perakaunan Tersuai (Excel / Google Sheets / Cloud Basic). Custom Accounting Master Template (Excel / Google Sheets / Cloud Basic).
  • Coaching Amali A-Z: Bimbingan cara merekod transaksi, jualan, kos belian dan resit tunai. Hands-On A-Z Coaching: Step-by-step guidance on recording revenue, purchases, and source receipts.
  • SOP Pengasingan Akaun Bisnes vs Akaun Peribadi Pengasas (Zero Commingling). SOP for Business vs Personal Bank Account Segregation (Zero Commingling).
  • Penyediaan Penyata Untung Rugi (P&L) Tahunan untuk Borang B / Borang P. Annual P&L Preparation formatted for statutory Form B & P submissions.
  • Checklist Pelepasan Cukai Permulaan & Fail Resit Sah Kalis Audit. Startup Tax Deductions Checklist & Audit-Proof Expense Document Filing.
Fasa Paling Kritikal (Popular) Most Critical Phase (Popular)
Fasa 2: Bisnes Pertengahan 'Lost' Phase 2: Mid-Stage Recovery

Pemulihan Bisnes & Backlog Rescue Business Recovery & Backlog Rescue

Sesuai untuk perniagaan bertahun operasi tetapi rasa 'lost' — jualan masuk ratusan ribu tapi baki bank kering, lejar tertunggak & kos bocor. Designed for operating businesses that feel 'lost' — healthy top-line sales yet empty cash, delayed backlogs & undetected cost leakages.

RM 600 - RM 1,800 / bulan (Retainer) / month (Retainer)
  • Accounting Rescue: Pembersihan & pembinaan semula lejar tertunggak 1-3 tahun dari sumber penyata bank. Accounting Rescue: Reconstructing 1-3 years backlog ledgers directly from source bank statements.
  • Diagnostik Pendarahan Tunai: Cari punca margin bocor antara Kos Jualan (COGS) vs OPEX. Cash Bleed Diagnostics: Pinpoint exact gross margin leaks between COGS and operating expenses.
  • Monthly Management Accounts (P&L, Balance Sheet, Cash Flow bulanan terkini). Monthly Management Accounts (P&L, Balance Sheet, and actual Cash Flow visibility).
  • Pematuhan Cukai Syarikat: Penentukuran e-CP204 elak denda 10%, Borang C & SST. Corporate Tax Compliance: CP204 calibration to prevent 10% penalties, Form C & SST.
  • Bank Loan Readiness: Selaras skor Debt Service Ratio (DSR) untuk permohonan fasiliti bank. Bank Loan Readiness: Calibrate Debt Service Ratio (DSR) for commercial financing approvals.
  • Pemasangan Sistem & Coaching: Setup Cloud Accounting & bimbingan staf operasi. System Deployment & Coaching: Setup Cloud Accounting & staff onboarding.
Fasa 3: Cukai Korporat & CFO Phase 3: Corporate Tax & CFO

Penyelarasan Cukai Sah & Fractional CFO Statutory Tax Optimization & Fractional CFO

Sesuai untuk syarikat matang (Jualan > RM3 Juta) yang ingin membersihkan akaun, menstruktur semula kos, dan memaksimumkan penjimatan cukai secara sah. Tailored for established corporations (Revenue > RM3M) seeking ledger cleanup, cost structuring, and statutory tax optimization.

RM 2,500 - RM 6,500 / bulan / month
  • Penstrukturan Kos Jualan (COGS): Pengkelasan kos langsung pengeluaran vs OPEX bagi kurangkan tanggungan cukai sah. COGS Restructuring: Reclassifying direct costs vs OPEX to legally optimize corporate tax exposure.
  • Pembersihan Baki Wang Pengarah: Pelarasan akaun pemegang saham/pengarah elak faedah Seksyen 140B. Directors' Advances Clean-Up: Balancing director loan accounts to avert Section 140B deemed interest risks.
  • Pre-Audit Readiness: Penyediaan Audit Working Papers lengkap yang pantas ditandatangani juruaudit. Pre-Audit Readiness: Complete audit working papers for seamless, query-free statutory audit sign-offs.
  • Pengoptimuman Cukai Berkanun: Elaun Modal (Jadual 3), Rebat Zakat 2.5% & Pelepasan Perbelanjaan Seksyen 33. Statutory Tax Optimization: Capital Allowances (Sched. 3), 2.5% Zakat Rebates & Section 33 Deductions.
  • Fractional CFO: Mesyuarat pengurusan eksekutif, unjuran aliran tunai & kawalan anti-ketirisan. Fractional CFO: Executive board reviews, cash flow forecasting & governance controls.
Penyelarasan & Pembersihan Cukai Sah Statutory Tax Optimization & Cleanup

Bersihkan Lejar & Maksimumkan Pelepasan Cukai Berkanun Clean Ledgers & Maximize Statutory Tax Deductions

Bukan 'elak cukai' yang menyalahi undang-undang, tetapi penstrukturan perakaunan pintar mengikut lunas Akta Cukai Pendapatan 1967. Kami membantu usahawan membersihkan lejar, mengenal pasti perbelanjaan yang layak ditolak, dan menyusun semula kos jualan (COGS). Not unlawful tax evasion, but smart accounting architecture adhering strictly to the Income Tax Act 1967. We help business owners clean up backlogs, establish allowable deductions, and properly structure Cost of Goods Sold (COGS).

Pengkelasan Semula Kos Jualan (COGS vs OPEX) Direct Cost & COGS Reclassification

Banyak kos operasi langsung sebenarnya boleh dikelaskan ke dalam Kos Jualan (COGS) — merendahkan margin kasar bercukai secara sah dan memperjelas kos perolehan sebenar. Direct operational expenses reclassified into Cost of Goods Sold (COGS) — legally optimizing taxable gross margins while reflecting genuine unit costs.

Pelepasan Seksyen 33(1) & Elaun Modal (Jadual 3) Section 33(1) Deductions & Capital Allowances

Mengenal pasti perbelanjaan yang dibenarkan di sisi undang-undang serta menuntut Elaun Modal penuh atas pembelian mesin, kenderaan dan perkakasan operasi. Capturing all fully allowable revenue deductions and claiming full Capital Allowances on plant, machinery, IT hardware, and operational assets.

Pembersihan Wang Pendahuluan Pengarah (Seksyen 140B) Directors' Advances Clean-Up (Section 140B)

Merungkai baki tertunggak pinjaman pengarah kepada syarikat atau sebaliknya bagi mengelakkan taksiran faedah nosional (deemed interest) semasa audit LHDN. Remediating accumulated balances between directors and the company, preventing severe deemed interest tax assessments during LHDN audits.

Checklist Pembersihan Lejar & Pra-Audit Syarikat Pre-Audit & Tax Readiness Checklist

💡 Ingin audit kesihatan lejar anda? Hubungi perunding kami untuk semakan komprehensif bagi mengenal pasti penjimatan cukai sah dan membersihkan baki tertunggak. 💡 Want a comprehensive ledger health audit? Consult our financial architects to identify allowable tax savings and clean up backlog balances today.
Alat Digital Percuma Usahawan Free Digital Tools For Founders

Portal Kewangan & Toolkit Pintar PKS SME Financial Portal & Interactive Toolkit

Akses hab utiliti percuma yang kami bina khas untuk usahawan Malaysia membuat simulasi pengiraan, mengakses direktori rasmi kerajaan, dan mengurus operasi syarikat secara teratur. Access our complimentary utility hub engineered specifically for Malaysian entrepreneurs to simulate tax projections, access official agency portals, and manage company operations.

Kalkulator Cukai & Untung Rugi Tax & P&L Calculator

Kira anggaran cukai syarikat Sdn Bhd (kadar berperingkat 15% / 24%) dan Enterprise secara automatik serta semak risiko anggaran CP204 Seksyen 107C. Calculate Sdn Bhd and Enterprise tax liabilities automatically, including SME tiered rates and CP204 variance estimations.

Hub Percuma & Direktori Agensi PKS Free Tools & SME Directory Hub

Pautan pantas ke portal rasmi MyTax LHDN, MyInvois, SSM EzBiz, MIDA, HRD Corp, dan direktori pembiayaan SME Bank dalam satu tempat. Direct access to official portals for MyTax, MyInvois, SSM EzBiz, MIDA, HRD Corp, and government SME grant/financing directories.

Portal Operasi Kewangan Interaktif Interactive Operations Web App

Platform web app khusus untuk usahawan meneroka carta akaun (COA), simulator aliran tunai bulanan, dan panduan operasi perakaunan secara langsung. Web application platform for founders to explore chart of accounts, monitor cash flow cycles, and study operational starter guides.

Ujian Diagnostik Kesihatan Akaun Financial Health Diagnostic Assessment

Adakah Akaun Syarikat Anda "Sakit" Atau Sihat? Is Your Company's Financial Engine Healthy Or At Risk?

Jawab 5 soalan pantas di bawah untuk mengesan risiko penalti LHDN, kebocoran tunai, baki Directors' Advance, dan kelayakan pinjaman bank syarikat anda dalam 2 minit. Answer these 5 quick assessment questions to detect LHDN audit exposure, cash bleed, Directors' Advance commingling, and bank loan readiness in 2 minutes.

4 Bulan Tertunggak
0 Bln (Terkini Bulanan) 6 Bulan 12 Bulan 24+ Bulan (Backlog Berat)
Analisis Kesihatan Kewangan Financial Health Score

Skor & Diagnosis Anda Your Health & Diagnosis

52 / 100
Status Semasa: SEDERHANA (BERISIKO)

Simptom "Sakit Akaun" Dikesan: Symptoms & Red Flags Detected:

Preskripsi Tindakan Pemulihan: Actionable Prescription:

Ringkasan skor anda akan dihantar terus kepada perunding bertauliah (+60 19-333 1437). Your assessment summary will be sent directly to certified advisors (+60 19-333 1437).

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