Accounting, statutory-return and assurance-preparation support for registered credit providers that need complete, reconciled and submission-ready NCR reporting.
NCR reports are prepared from the credit provider’s accounting records, annual financial statements, loan book, credit agreements and operational systems. Differences between these sources should be resolved before submission.
We help management organise the information needed to report on compliance with the National Credit Act, registration conditions, record keeping and consumer-credit procedures.
Form 39 reports statistical information about credit granted and the performance of the loan portfolio. The reporting frequency depends on the provider’s NCR reporting category.
The financial statements should be supported by complete accounting records and reconcile to the financial information included in the NCR returns.
Form 40 contains financial and operational information that should be extracted consistently from the annual financial statements, general ledger and loan-management records.
Where an independent assurance report is required, we prepare the accounting records, reconciliations, statutory returns and supporting file for the appointed practitioner.
Where prior submissions are incomplete, inconsistent or overdue, we can assist with reconstructing records and preparing a structured corrective reporting plan.
The annual financial statements, Form 39, Form 40 and loan-book schedules should tell the same financial story. Unexplained differences can delay completion and create additional compliance questions.
Our work focuses on tracing the figures back to the accounting and operational records, documenting adjustments and preparing schedules that can be followed by management and the independent practitioner.
The scope is matched to the credit provider’s registration, reporting category, financial year-end and current records.
We review the NCR registration, reporting category, financial year-end, prior submissions and known outstanding requirements.
The accounting records, loan book, agreements, arrears reports, bank records and prior NCR returns are gathered and assessed.
Loan balances, income, fees, arrears, impairments and movements are reconciled, with exceptions documented for correction.
The required returns and supporting schedules are prepared from the reconciled records and reviewed for internal consistency.
Where applicable, we coordinate information requests and assist management in resolving matters raised by the independent practitioner.
The approved returns, statements, representations and supporting schedules are organised for signature and submission.
The exact list depends on the reporting period and the quality of the current records.
NCR materials distinguish between annual and quarterly reporting and provide six-month submission periods for several annual reports. The correct due dates should be confirmed against the registration profile and the latest NCR instructions.
Always confirm the current forms, reporting frequency and deadlines directly with the NCR before submission.
Reporting frequency depends on the credit-provider category and the current NCR requirements. Always confirm the current window and form version.
Send your NCR registration details, financial year-end, prior returns, trial balance and loan-book information so that we can assess the scope.