How Does a Bookkeeper Set
Their Bookkeeping Service Fees?


by L. Kenway BComm CPB Retired

How does a bookkeeper charge for their bookkeeping services?Why it is important to know how a bookkeeper structures their bookkeeping service fees?

You may be wondering if you have never used a bookkeeper before, how are fees for bookkeeping service structured? Fill your teacup and we'll chat.

Bookkeeping service fees are dependent upon the volume of transactions, whether you have employees, how complex your industry is, whether you need job costing, ... there are many factors that can influence the price but ...

... generally there are a few ways bookkeepers set their fee. Hourly Rate or Flat Fee are common with many requesting all or a portion of the fees paid upfront through a deposit or retainer. Fixed Price Value Billing is beginning to gain in popularity while Hourly Rate is declining as a billing method.

A big problem bookkeepers have when working with startup businesses is:

  1. You are disorganized.
  2. You usually don't understand your reporting requirements yet;
  3. You spend your government monies collected in trust to cover business cash shortfalls or to support your personal lifestyle.
  4. You don't put aside money to pay your income tax at year-end. 
  5. You tend to have a lot of data entry because you fail to separate business and personal expenses; and
  6. You are on a learning curve and make a lot of errors that need correcting. 

Establishing a relationship with your bookkeeper where you can speak with them on a regular basis helps keep you out of paperwork hell and on the path to success and profitability.

If you have a small startup business and are wondering how much to budget for bookkeeping service fees, I'd say $3,500 - $6,000 including tax preparation annually for a set of audit ready books. That would include a one time setup fee, monthly (this would mean you actually have to submit ALL your paperwork on time) bookkeeping for 40 transactions or less per month, monthly conversations and management reports , year-end, internal financial statements, and T1 tax preparation for sole proprietors as well as unlimited communication and support with no reimbursement of additional expenses as the bookkeeper absorbs these costs. Payroll, inventory, multi-currency transactions, more than two bank accounts / credit cards cost more and run you into the mid-range of the price estimated above. If you are incorporated, it will likely run you into the high-range of the price estimated above due to more paperwork requirements and additional knowledge requirements to prepare a set of books. This is just a ballpark figure. Your bookkeeper needs to determine YOUR needs before they quote you.

If your bookkeeper is only doing data entry for you ... find a new bookkeeper. There is way more to freelance bookkeeping than data entry! In fact, with online cloud accounting software becoming more popular, bookkeepers now need to be versed on how to manage and review data while embracing automated data entry options.

Let's take a look at the various rate structures out there ...



Setting Bookkeeper Rates
By The Hour, Page, Flat Fee, Prepaid, Fixed Priced Agreements?

Bookkeeping service fees charged by the hour
This  billing method is declining and is NOT your best option

How does your bookkeeper structure their bookkeeping service fees?Is your bookkeeper still charging by the hour?

Some bookkeepers set their bookkeeping service fees at a basic hourly fee with a set minimum charge. Hourly billing is no longer the recommended billing method in the bookkeeping industry as it provides price instability for the client/customer and does not provide the client/customer control of what they are purchasing. It doesn't encourage developing a relationship. That said ...

The average general bookkeeping service fees in 2015 was $50 or less (2015 intuit survey) ... down from $56/hour (2011 Intuit survey) ... up from $35/hour (2009 Intuit survey). The rates were down perhaps because more bookkeepers responded to the survey (vs accountants) than in past years ... or it could be because bookkeepers are moving away from hourly billing rates. The 2019 Intuit survey shows this downward trend continuing as bookkeepers become more comfortable moving to a fixed pricing model for bookkeeping services including catchup bookkeeping; or to a value billing model for cleanup work, troubleshooting or monthly bookkeeping services.

However, the 2021 survey showed an uptick back to hourly billing. This was a surprise to me. Personally, I think you get better service from a bookkeeper that charges a fixed fee because you are more likely to create a relationship with them as opposed to worrying about how much a phone call to ask a question is going to cost you.

The 2019 average hourly bookkeeping service fee was $69 vs. $75 in 2021.

Note - expect to pay more for "advisor" services with regards to your computer software. Rural areas tend to charge less than urban areas.

The Bookkeeper's Tip

If you are just starting out in public bookkeeping, set your rate/pricing in line with your experience. As your experience grows, increase your rates/pricing.

This means you would definitely not charge the average rate when you start out. You are learning on your client's dime and your rates should reflect that.

Before I retired, I had favorite clients that I undercharged because they are always willing to let me "learn" or try out new stuff with their file. This was a WIN-WIN for both of us.



If you are hiring a bookkeeper, make sure you inquire about their formal training, their practical experience (was it obtained in private industry or through public practice ...small business or large corporations) and ask for references ... then follow through and check them out. Don't be reluctant to verify if the rate they are charging matches their experience and training. It's your business and their bookkeeping errors could cost YOU MONEY.

Don't be afraid to give them a bookkeeping test to see if they will be able to perform the work you require competently. Sometimes I want to cry for business owners who are in financial ruin because they trusted their bookkeeper to know the rules and find out too late during an audit just how much they didn't know.

As this is the average rate, some bookkeepers may charge less per hour and others may charge more. Here is a very loose guide using 2015 rates:

  • If a bookkeeper charges below the average bookkeeping rate ... say $30/hour or less ... they are probably new to bookkeeping ... their inexperience is reflected in their rates. This doesn't automatically mean they don't have formal bookkeeping training or bookkeeping experience, just that they may be new to public bookkeeping. As a small business owner, you need to know that work experience as an accounts payable or accounts receivable clerk within a medium to large sized organization does not provide an adequate basis by itself for becoming a freelance bookkeeper. You will probably need to have your accountant perform year-end duties.
  • If a bookkeeper charges well below the average bookkeeping rate ... say less than $20/hour ... I'd recommend you make arrangements for them to take a bookkeeping test to gauge their skills ... because your business could be at risk if poor bookkeeping practices are followed. The bad news will likely show up during a CRA audit.
  • If the bookkeeper works for and is supervised by a certified accountant (CA, CGA), expect to pay well above the average bookkeeping rate ... you are paying for quality of work due to the supervised environment ... a second pair of eyes that is well versed in GAAP.
  • If the bookkeeper is working freelance ... but is certified, expect to pay $10 to $15 above the average bookkeeping rate. [However a surprise in the 2021 Intuit rate survey showed certified bookkeepers were charging less than uncertified bookkeepers. Hmm, maybe a certified bookkeeper is the better choice?
  • If the bookkeeper is experienced ... but not certified, expect their bookkeeping rate to be plus or minus $5 of the average bookkeeping rate.

Don't quote me on this .... this is just an educated guess ... I have no figures to back this up ... the price ranges for bookkeeping service fees just stick in my mind from things I've read over time. Of course the longer this page is on the internet, the more skewed the above guesses are as new bookkeepers read it and don't necessarily price their services and knowledge appropriately.

Rates vary in different areas within a province and across Canada. In communities experiencing a recession, rates may be below the averages while large cities seem to command a higher rate.

From the various websites I visited while doing research for this page, it seemed that in 2009 $75 was the lowest minimum charge I found bookkeepers (online anyway) were accepting. This was for a very basic business with minimal transactions. When you are just starting out, it may be the best $75 (or $150) you spend each month if you are just starting out.

IPBC (Institute of Professional Bookkeepers of Canada), now CPB Canada (Certified Professional Bookkeepers of Canada), had a report titled Status of the Canadian Bookkeeping Industry 2015 Benchmark Study available for sale at www.ipbc.ca. You will have to contact them to purchase it. The study "focused on bookkeepers and their salaries, education and training levels, accreditation." It provides useful information pertaining to bookkeeping services. The first IPBC benchmark study was done in 2009.

There are better methods of setting bookkeeping service fees than by the hour. As a small business owner, I would request one of the other billing methods I'm about to discuss. IF the bookkeeper looks at you like you are nuts ... I'd walk.


A BETTER practice is flat fee pricing

Bookkeeping service fee charged as a flat fee
This is a better option than accepting hourly 
billing

Bookkeepers who charge their service based on a flat fee.How flat fee bookkeeping service fees work

The second method that bookkeepers charge is by an agreed upon, in advance, fixed monthly charge. This charge is usually based on a combination of so much per number of transactions plus a fixed amount to cover preparation of financial statements and a monthly (or quarterly) meeting with you to discuss your financial results.

... But the advice they can provide, if you let them, by having an ongoing relationship with them, usually repays your fee in actual money savings and use of your time (that is only if you feel your time is actually valuable and worthy of placing a dollar value on.)

Intuit's 2015 rate survey had fictional scenarios to get a better feel for flat fee pricing:

Scenario One Service Business - sole proprietor business was service oriented with cutover handling data entry for sales and customer payments. One checking account (which you reconcile) with an average 250 transactions per month which you enter. Most purchases were made by debit card or online. No third party reporting was required, just "internal use" financial statements and the owner did NOT run any personal expenses through the business checking account. Average flat fee was in the $200 per month range.

Scenario Two Retail Store - LLC taxed as a sole proprietor (in Canada just substitute sole proprietor), that did NOT run any personal expenses through the business, runs a retail store. They handle the daily sales data entry and bank deposits using the Undeposited Funds account. The bookkeeper enters the deposits to match the actual bank deposits, enters and manages A/P. There are about 50 transactions a month with half of them related to inventory purchases. The bookkeeper would also reconcile the bank account. No third party reporting was required, just "internal use" financial statements and accruals only occur at yearend. Average flat fee, excluding payroll requirements, was in the $300 per month range.

Scenario Three Business With Payroll - Payroll services were required for 5 employees (one scenario was 5 hourly employees and another scenario was 2 full time staff and 3 hourly employees). Time sheet data entry is performed by the business owner. The business owner requires you to process the pay cheques, handle the remittance of source deductions to the government, file the appropriate payroll compliance reports including income tax related slips (i.e. T4 or W2 slips). Average flat fee was in the $125 per month range for 2 FT/3 HR employees. Average flat fee was in the $100 per month or less range for 5 HR employees.

This just gives a feel for what to look for if you want fixed fee pricing rather than hourly billing. In my opinion the advice a flat fee bookkeeper can provide (if you let them) by having an ongoing relationship with them not based on the time clock running, usually repays your fee in actual money savings and use of your time (that is only if you feel your time is actually valuable and worthy of placing a dollar value on.)

Flat fees are the way to go for "backwork" ... backwork is bookkeeping for prior years that is past due. If you are a small business owner, make sure you negotiate a fixed / flat fee for your backwork. I would not accept an hourly quote from a bookkeeper for backwork ... after all they can estimate fairly well the number of transactions involved as they are working with all historical data / documents now.

I've also noticed some bookkeepers charge "by the page" ... that is they will charge a flat fee up to a certain amount of pages (bank statement, credit card statement, etc.) and then an additional fee for every page over the maximum number included in the flat fee.There will usually also be other "a la carte" items you can request. 


Terms of Payment

Expect to pay a one-time setup fee 

Often times, a bookkeeper will charge a one-time administration fee to set up the books. This fee covers setting up your chart of accounts (after discussions with you) and inputting your opening balances on the balance sheet and if applicable, payroll. Intuit's 2011 survey results say this is charged as a flat fee averaging at $286. The figure most commonly used was $250.

It is well worth it to forgo a DIY setup and have your bookkeeper set things up. You get this wrong and everything you do after is just garbage. I had one client who setup their own chart of accounts and opening balances. The balance sheet from day one was never in balance. This forces bookkeepers and accountants to start a new, clean set of books and enter data to it in summary form based on data extracts from your records. They may not tell you they've done this and let you continue on your merry way. Then one day you decide for whatever reason to change your bookkeeper. Turns out your "books" are a mess and you had NO idea.


Expect to pay in advance

The bookkeeping industry has slowly been moving toward some form of payment before service ... due to many small business owners not paying their bills after the work has been completed.

It is now normal practice to request a deposit up front and in advance of processing. This fee can vary but is usually between 25% to 50% of the estimated bill. The worse you are at paying your outstanding bill, the higher the deposit requirement.

Many bookkeepers only work on a 100% estimated payment for hourly billing ... or they may request a retainer which is applied to your final bill. If you have a flat fee or fixed price agreement, expect to pay in advance of service.

If you would like to pay your bookkeeper by credit card and they don't offer that service yet, help move them into the 21st century and ask them if they would consider using PayPal. It is an affordable way for a small business to accept credit cards without all the merchant fees. All they need to do is sign up and send you an e-mail. Instructions on how to pay are provided. The small fees they pay are offset by the reduction in time spent on Accounts Receivable collections.

Another great payment option these days is Interac eTransfers or email eTransfers.


The BEST Practice is a Fixed Priced Agreement

Opt for value priced bookkeeping servicesAsk your bookkeeper for fixed priced bookkeeping service fees

Ask your bookkeeper for a fixed price agreement. This requires your bookkeeper to look at your business, your problems and give you a customized annual quote specific to your business and its challenges. It will require your bookkeeper interview you prior to presenting the agreement. The quote should include consulting time so you have somewhere to go to ask your questions without the "meter" running.

Why is this good for you?

  1. There is some risk to the bookkeeper to deliver. (Read this as your bookkeeper may initially balk at this request.)
  2. You get to establish a relationship with your bookkeeper because the clock isn't running.
  3. You get price stability and can budget appropriately. 
  4. You get a choice on what services you want or don't want.
  5. It should normally come with some kind of guarantee.

Normally when the bookkeeper presents the fixed pricing agreement, you will have your choice of three service levels to help you find a service package that you can afford or service at a level YOU want. Think of it this way ... if you were shopping for a car, you have a wide range of makes, models, colors. It is not a one size sedan / one vehicle price fits all. 

Just a caution for startup business owners while I firmly believe you should have a bookkeeper during your first two years of business to ensure you are handling everything correctly, be aware that bookkeepers who have moved to fixed price agreements will try to up-sell you services you don't need at this time. One example would be offering "precision bookkeeping" where they are doing monthly and / or quarterly accruals. Most startups don't require this service to get their business up and running. Having your accountant book ALL your accruals at year-end is sufficient for the majority of small businesses.

One feature you NEED to insist on receiving is a management reporting package - quarterly is the minimum. A basic package should contain the balance sheet, income statement, cash flow statement, A/R aging and A/P aging as well as copies of your bank and credit card reconciliations. You need to learn how to read and use this package at the beginning while everything is still relatively simple so that you can be a wizard at it as your company grows.

For bookkeepers interested in offering fixed price agreements to your customers, please read the book "Pricing on Purpose: Creating and Capturing Value" by Ron Baker or download a copy of Mark Wickersham's Effective Pricing for Accountants. Intuit also has a website called Firm of the Future devoted to this (see a good article here - https://www.firmofthefuture.com/pricing-strategy/2019-intuit-rate-survey-how-are-accountants-and-bookkeepers-really-pricing-their-work/).

Certified Professional Bookkeepers (CPB) with The Institute of Professional Bookkeepers of Canada (IPBC) have opportunities to train with Ron Baker in converting your business to this model.



The Bookkeeper's Tip
Cashflow Management

Reducing Your Bookkeeping Service Fees

If a bookkeeper didn't offer a fixed price agreement ... a bookkeeper might want to do your books at an hourly rate for three months before they set a fixed price for you. The reason ...

... clients' presentation and completeness of information.

You can help keep your bookkeeping fees reasonable by asking your bookkeeper how they would like the information presented.

The more organized you are, the less it costs you. Why?

The bookkeeper does not have to spend time organizing your receipts or following up on missing information or ... figuring out which account you paid "that" expense from. Picture a lot of head scratching, and hearing the word "hmmmm"! ;-)

If your bookkeeper does not want to offer a fixed price agreement, approach them after they have worked on your books for three to six months and ask for a fixed flat fee per month that is reviewed / renewed annually.

If a bookkeeper insists on charging hourly bookkeeping rates ... I'd find another bookkeeper. If they are any good at what they do, there shouldn't be a lot of risk to them to quote a flat fee or offer a fixed pricing agreement ... IMHO. If they don't quote properly and lose money on your file, then it's a learning experience for them. They also get a chance to correct the oversight during the annual bookkeeping service fee review meeting. The experience will help them to quote more accurately the next time ... just sayin'. You have to start somewhere.

From personal experience, I had better quality clients and better client relationships once I moved my bookkeeping service fee structure to a fixed fee agreement.





Let's Chat About ...

The Shoebox Filing System

Most bookkeepers don't mind sorting "shoebox" type filing (paper or electronic) ... especially for the "I don't like or do paperwork" client ... but if this is you ... you must be prepared to PAY for this service.

It takes time and time is money ... which is why you probably opted not to sort and organize it yourself. So no complaining when you get the bill ... and prompt payment of the bill is always appreciated.

There are many small business owners out there who think bookkeeping is only about data entry. I'm here to tell you ... you are wrong. Just ask any small business owner who hired someone cheap to do data entry after they have been audited.

It requires knowledge to know where to enter (or code) your data ... to know the exceptions to the rules ... which means sorting your source documents is not as easy as you think it is ... if you want it done properly. Hire a data entry clerk if you want, just don't mistake that person as a bookkeeper.

If you want to save money and hand in your receipts sorted in an organized fashion, consider adapting this portable document filing system. It's a real money and time saver.

Or consider one of you have techie options to help you ... like Dext (formerly ReceiptBank) or Expensify or Shoeboxed. My biggest problem with all these services is having all your financial business spread out over more than one company online. In this day of social networking, younger people don't seem to be as concerned with this as older people. I'm moving there but reluctantly.



I Think I've Been Ripped Off!

I've heard small business owners think they are being ripped off when a bookkeeper enters the invoices/bills through Accounts Payable during backwork. "I'm paying for 2 transactions when it could have been entered in 1 transaction!"

Well here's the thing; if you were sloppy with your paperwork and didn't make it easy for the bookkeeper to determine source of payment, it actually costs you less to have the bookkeeper let the software do the sorting/matching of bill and payment of the bill. It is much more efficient than trying to match paperwork manually. 

If you had a flat fee or a fixed pricing agreement, how the bookkeeper enters the data wouldn't be an issue ... but here is why a bookkeeper may enter the invoice/bills through Account Payable.

As many customers don't indicate payment sources, I enter all the unmatched purchase receipts and bills through the Accounts Payable module. Then I pay it from "my best guess" source. When I reconcile the bank or credit card statement, I can quickly fix the source of payment if my best guess was wrong. It saves voiding and reentering the transaction if the period is still open or doing a correcting entry to correct the entry if the period is closed. Using Accounts Payable as a type of clearing account can be one way of implementing a good internal control procedure.

This method saves me time when providing backwork bookkeeping services. (I use a slightly different method for dealing with missing source documents in the current year.)

This method also provides a good vendor history for the client and ensures no expenses are double booked. It achieves this because when a client pays a bill with a cheque, but never submitted the actual bill with their source documents, the cheque now gets coded to Accounts Payable and not the expense account. Recording the cheque now places the vendor account into a "credit" balance. It alerts me that the original source document needs to be tracked down if the bookkeeping is going to be audit proof. When I receive the supplier invoice, I code it to the expense account. Next, I apply the outstanding "credit" to the supplier invoice to clear it and show it paid.

This method makes it easy to review the Accounts Payable and see what documentation is missing because the Vendor's balance will show a "credit".

If, by the end of the year, a client has not provided the appropriate source document, the amounts are "expensed" to owner's draw as they are not tax deductible without the source document ... so you can see how important organized paperwork is when you have a small business. A lost invoice or receipt means increased taxes because you lost a tax deduction ... which means less money in your pocket.

And while I think of it ... when you collect money from a customer, deposit it as soon as possible ... the whole amount received. Don't keep some of the cash for yourself. If you need money, take a draw from your business account. It's much easier for the bookkeeper to match deposits and it will make any future tax audits go more smoothly.

If you expect a bookkeeper to process your quarterly books and GST return with less than two weeks lead time, expect to pay more.

Remember you are not their only client and they need to be able to schedule all their work to meet government compliance deadlines. Giving them lead times allows them to perform high quality work.

As you can see, it's not that easy to give you a figure as to what you could expect to for your bookkeeping service fees. Because fees are based on volume of transactions, complexity of your industry, the problems unique to your business and different services you can opt in or out of, you need to get some quotes or ask your friends who they use.

Once you start asking around for a quote, be sure to ask if year-end preparation is included in their fee quote or if it is an additional charge. They may not even offer year-end service as they expect your accountant to perform year-end ... which is okay.

Don't do this step until you know your business structure

Before you speak with prospective bookkeepers about bookkeeping service fees, you may want to read What Are Your Responsibilities When You Hire a Bookkeeper?




The Bookkeeper's Tip
Cashflow Management

Reducing Your Bookkeeping Service Fees

When you pay a bill, get in the habit of writing down on the bill: (yes muck it up! ... because if you get audited three years down the road you will not remember the specifics of that bill.)

  • what date you paid it
  • from what account or credit card you paid it
  • if you wrote a cheque to pay the bill, the cheque number
  • the amount you paid if different from the balance
  • and anything else relevant .. especially if there is a "story"

If you can staple the paid receipt to the bill, that's good too!

Do the same thing for customer payments received. Write the following on the invoice:

  • what date you deposited it
  • what account it was deposited to
  • the amount you deposited if different from the balance
  • the customer's cheque number
  • the customer's address on the cheque if it is different than your billing address
  • and anything else relevant .. especially if there is a "story"

If you can staple the bank deposit receipt to the customer invoice, that's good too!

If you have a smart phone, use one of the apps to capture your receipts electronically ... before you lose or misplace them. Some of the apps have you input the data fields at the same time, others extract the data from the image and let you review it.

One habit I don't recommend is using a highlighter on thermal receipts. Over time, it blacks out the field and you really, really, really can't read it ... which is frustrating when entering backwork.

This habit may seem silly when you are just starting out and you don't have many transactions ... but once your volume grows, it is just inefficient to be hunting around while doing data entry, trying to figure out where money came from or went to. Remember always keep an audit trail.    ;-)



Why would a bookkeeper fire a client?

What makes your bookkeeper unhappy?What makes your bookkeeper unhappy?

Get excellent value for your bookkeeping service fees by being an excellent client.

If you find a good bookkeeper, treat him or her well ... because like a great hair dresser, they can be hard to find. A great bookkeeper can save you money.

And remember this possibility, just as you can "fire" your bookkeeper, they can also "fire" you.

Why would that happen? ...

... Hmmm. Let me count the reasons ... Slow payment for bookkeeping services rendered, continually submitting work late or just in time, or giving it to them in bits and pieces, or there is always something missing  ... come immediately to mind.

It's also frustrating to work with clients / customers that refuse to learn / improve their paper handling methods or modify the types of transactions they run through their business.

You are probably wondering what's the big deal with stuff like that. The big deal is that it costs the bookkeeper in time and efficiency ... making the account much more expensive to operate.

  • Stopping and starting on a file takes more time than just working on the file once.
  • Taking time for collections means the bookkeeper is not providing bookkeeping services to another client.

If it is ongoing and your bookkeeper keeps you as a client, these inefficiencies will probably be built into your pricing ... interpret that as meaning you are paying more in bookkeeping service fees than the client who is well organized and always on time.

You may at some point wonder, "Does a bookkeeper have the right to hold a client's books until payment is received?". I talk about this issue in Small Business Bookkeeping Questions and Answers.



Let's Chat About ...

Third Party Civil Penalties

One thing you should be aware of ... bookkeepers and accountants are subject to third party civil penalties.

CRA brought in these penalties in 2000 to deter false statements or omissions. The financial penalty can be significant to the professional preparer and advisor ...

... So if you ask your bookkeeper to be willfully blind to obvious errors when preparing your information, they would be justified in withdrawing their bookkeeping services and resigning from the engagement.

P.S. Bookkeepers - If a client comes to you reporting very little income, it is acceptable to ask how they support themselves ... as a way to protect yourself. They could be supported by financial gifts from relatives or ...

If you aren't satisfied with the answer, I would turn the client away.




Bookkeepers are not non-profit businesses. They provide bookkeeping services because they must work for a living to support themselves and their families just as you do ... consider that if you are thinking of moving the payment of their bill to the bottom of your list.

I'm always surprised how many small business owners seem to have no problem not paying a bill for services rendered. How do these small business owners sleep at night knowing that it is a form of theft they have engaged in?

I'll close with this thought for the slow payers ... Do you enjoy phoning your clients / customers because they haven't paid your account? I'm guessing no. Then why do you think your bookkeeper enjoys this task?

... Just in case you missed what I said earlier ... slow bill payment of bookkeeping services rendered increases the cost of bookkeeping ... because unbillable hours for collections now has to be factored into future bookkeeping service fee rates.

One final thought. With websites now becoming the new business cards it concerns me when I see a bookkeeping service website that does not have an "About Us" page ... or if they do, they never give their name or credentials or a picture of themselves. If they aren't willing to tell you who they are and what their background is, why would you want to do business with them? That would be like handing out a business card without your name on it ... ridiculous!

Ask yourself this, if they are hiding behind anonymity on their website, do you really think they will stand behind their bookkeeping service work?



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