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Comprehensive accounting, tax, and financial solutions for corporate and personal clients across Quebec.

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Corporate Services

Running a business in Quebec means navigating federal and provincial requirements at every stage. Services DL provides end-to-end corporate financial services ensuring compliance, efficiency, and financial clarity.

Company Creation: Full incorporation services, shareholder agreements, registered with federal or Quebec registry (REQ). Includes NUANS name search, Articles of Incorporation, and initial organizational resolutions.
Payroll (2026): Full payroll processing including 2026 CPP2/QPP2 enhanced contributions, EI remittances, T4/RL-1 preparation, Records of Employment, and year-end summaries.
Sales Tax GST/QST: Registration, quarterly/annual filing, input tax credits, input tax refunds, and handling of CRA/Revenu Québec notices and audits.
Year-End Services (T2 & CO-17): Federal T2 and Quebec CO-17 corporate return preparation, financial statements, tax optimization, and the complete annual reporting package your business needs.
Financial Reporting: Monthly management reports, comparative analysis, budget vs. actuals, and KPI dashboards for informed decision-making.
Business Guidance & Consulting: Strategic advice on corporate structure, growth, financing, succession planning, and operational efficiency tailored to your industry.
2026 Compliance: All corporate filings comply with the Canada Business Corporations Act, Quebec Business Corporations Act (LSAQ), Income Tax Act, Excise Tax Act, and Revenu Québec requirements. Payroll includes 2026 enhanced CPP2/QPP2 rates and updated EI premiums.

Bookkeeping & Accounting

Clean books are the foundation of every sound business decision. Our bookkeeping services deliver accurate, real-time financial visibility and peace of mind.

Monthly Bookkeeping: Transaction recording, categorization, and reconciliation using QuickBooks Online, Xero, Sage, or Wave — whichever platform you prefer.
Financial Statements: Balance sheets, income statements, and cash flow statements prepared to Canadian ASPE standards or IFRS as applicable.
Bank Reconciliation: Complete reconciliation of all bank and credit card accounts monthly to ensure accuracy and detect discrepancies early.
AP/AR Management: Invoice processing, payment tracking, and accounts receivable aging reports to improve your cash flow cycle.
Catch-Up Bookkeeping: We can take over and clean up years of disorganized records quickly and accurately — no judgment, just solutions.
Cloud Integration: Setup and management of modern cloud accounting platforms for real-time, anywhere access to your financials.
Professional Standard: Financial statements comply with Canadian ASPE or IFRS. All records maintained per Income Tax Act minimum 6-year retention requirements. Digital records accepted by CRA per current e-records policy.

Personal Tax Services

Quebec residents navigate two sets of rules. Our tax professionals ensure you claim every eligible deduction while remaining fully compliant with CRA and Revenu Québec.

Federal T1 Return (2025): Complete individual return with updated 2025 brackets, enhanced Basic Personal Amount ($16,129), and full deduction optimization for your situation.
Quebec TP-1 Return (2025): Provincial return with all Quebec credits including updated Solidarity Tax Credit, housing component, and all RL slips.
Tax Planning: Year-round strategies — RRSP maximization ($32,490 limit for 2025), TFSA planning ($7,000/yr), FHSA optimization ($8,000/yr).
Self-Employed Returns: T2125 business income, home office deduction, vehicle log compliance, GST/QST filing, and quarterly installment planning.
CRA/RQ Correspondence: We handle all communications with tax authorities on your behalf — reassessments, T1 adjustments (T1-ADJ), objections, and audits.
Foreign Income Reporting: US, international, and foreign investment income reporting including Foreign Income Verification (T1135) for foreign assets over $100K.
Legal Compliance: All returns comply with the Income Tax Act (Canada) and Taxation Act (Quebec). We are CRA and Revenu Québec authorized representatives. Client data is protected under PIPEDA and Quebec's Loi 25 (as amended by Law 25).

Investment Planning

We provide objective portfolio planning guidance to help you build lasting wealth through every life stage with a tax-efficient approach aligned to your goals.

Portfolio Review: Objective analysis identifying inefficiencies, high MER drag, tax issues, and misaligned asset allocation relative to your goals and timeline.
Account Optimization (2026): Strategic allocation between RRSP ($32,490 limit), TFSA ($102,000+ cumulative room by 2026), FHSA ($8,000/yr), RESP (CESG + QESI), and non-registered accounts.
Retirement Projections: Comprehensive income modeling integrating updated CPP/QPP enhanced benefits, OAS/GIS, RRIF drawdown strategies, and longevity planning.
Tax-Efficient Investing: Asset location strategy (what to hold where), tax-loss harvesting, capital gains timing given 2024+ inclusion rate changes.
Corporate Investments: Retained earnings investment strategies for incorporated business owners, passive income planning under CCPC rules.
Education Savings: RESP strategies maximizing $500/year CESG plus $250/year QESI (Quebec) — free government money for your children's future.
Important Disclosure: Services DL provides financial planning guidance only — we do not sell investment products or manage portfolios directly. All guidance is educational and strategic, complying with applicable Canadian securities and financial planning regulations. For portfolio execution, we recommend working with a licensed investment dealer or portfolio manager.

Business Strategy

Numbers tell a story — we help you write the next chapter. Our consulting goes beyond numbers to provide actionable insights driving sustainable growth.

Business Planning: Comprehensive business plans, detailed financial projections, and feasibility analysis for startups, expansions, and financing applications.
Profitability Analysis: Deep-dive into your cost structure, gross margins, pricing strategy, and contribution analysis to identify hidden profit opportunities.
Cash Flow Management: 13-week rolling cash flow models, working capital optimization, and liquidity stress-testing for your business.
Business Structure: Corporate structure optimization for tax efficiency, liability protection, income splitting, and succession planning.
Financing Support: Financial package preparation for bank loans, government grants (CDAP, NRC IRAP, CSBFP), and investor presentations.
KPI Dashboards: Custom performance indicators and monthly management reporting tailored to your industry and business model.

Dissolution

Closing a business requires careful attention to legal and tax obligations. We guide you through every step ensuring all obligations are properly resolved with federal and provincial authorities.

Final Tax Returns: Final T2 corporate return, T4 summaries and RL-1 amendments, GST/QST final returns with proper cessation designations.
Asset Distribution: Tax-efficient distribution of corporate assets and retained earnings to shareholders — maximizing after-tax proceeds upon wind-up.
Government Filings: Articles of dissolution with Corporations Canada or MERN (Quebec), deregistration with the Quebec Enterprise Registrar (REQ).
Clearance Certificates: Obtaining CRA and Revenu Québec clearance certificates — legally required before final asset distribution to shareholders.
Employee Obligations: Final payroll processing, Records of Employment (ROE), T4/RL-1 issuance, and statutory notice compliance under Quebec labor law.
Record Retention: Post-dissolution record-keeping guidance — minimum 6 years per Income Tax Act, longer for certain Quebec requirements.
Legal Compliance: Dissolution services comply with the Canada Business Corporations Act, Quebec Business Corporations Act (LSAQ), Income Tax Act, and Revenu Québec requirements. We recommend coordinating with a Quebec notary or business lawyer for complex situations involving litigation, contested matters, or significant liabilities.
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