Bookkeeping and Fractional CFO Services for small businesses
Celeste is a virtual accounting firm run by Chartered Accountants. We keep your books, send your monthly statements by the 7th and act as your part-time CFO, all inside your own QuickBooks or Xero.
Do these sound like your business?
- Books not reconciled monthly
- No visibility on future cash flows
- Have profits but no cash
- No annual budget or forecast
- No reporting of KPIs
- Still using Excel for financial tracking
- No professional financial oversight
- No scenario planning for growth
These aren't growing pains. They're warning signs.
Do these sound like your business?
Books not reconciled monthly
No visibility on future cash flows
Have profits but no cash
No annual budget or forecast
No reporting of KPIs
Still using Excel for financial tracking
No professional financial oversight
No scenario planning for growth
These aren't growing pains. They're warning signs.
What accounting services do we offer small businesses?
We do three things, and owners can start with one. We do not prepare or file tax returns; we work with your CPA.
Fractional CFO Advisory
Your CFO. Without the full-time cost.
A senior finance lead for a monthly fee: cash-flow forecasts, budgets, pricing decisions and lender-ready reports, with review calls in your working hours.
From $1,099 a month. Starting price for a business with $500,000 to $700,000 in annual revenue. Your quote depends on volume and scope.
Strategic Bookkeeping
Books that are always decision-ready.
Books reconciled every two weeks and statements by the 7th of the next month, in your own QuickBooks or Xero. We keep payables and receivables current and record payroll from your payroll platform.
From $350 a month. Starting price for a business with $500,000 to $700,000 in annual revenue. Your quote depends on volume and scope.
FP&A Services
Stop guessing. Start forecasting.
Budgets, rolling forecasts, KPI dashboards and what-if models, so you can see what a decision does to cash before you make it.
What accounting services do we offer small businesses?
We do three things, and owners can start with one. We do not prepare or file tax returns; we work with your CPA.
Fractional CFO Advisory
Your CFO. Without the full-time cost.
A senior finance lead for a monthly fee: cash-flow forecasts, budgets, pricing decisions and lender-ready reports, with review calls in your working hours.
From $1,099 a month. Starting price for a business with $500,000 to $700,000 in annual revenue. Your quote depends on volume and scope.
Strategic Bookkeeping
Books that are always decision-ready.
Books reconciled every two weeks and statements by the 7th of the next month, in your own QuickBooks or Xero. We keep payables and receivables current and record payroll from your payroll platform.
From $350 a month. Starting price for a business with $500,000 to $700,000 in annual revenue. Your quote depends on volume and scope.
FP&A Services
Stop guessing. Start forecasting.
Budgets, rolling forecasts, KPI dashboards and what-if models, so you can see what a decision does to cash before you make it.
Your finance team.Not just advisors.Built for growth.
Why do owners outsource their accounting to us?
People-first partnership, not platform-only support.
Budgets & Forecasts that drive results.
Your Fractional CFO builds rolling forecasts, growth-aligned budgets, and scenario models that turn financial uncertainty into a clear, executable roadmap.
Books Closed.
Every month. Guaranteed. No extensions, no excuses. Accurate financials exactly when you need them.
Businesses Supported
Owner-led companies.
Chartered Accountants.Qualified with ICAI, certified in QuickBooks, Xero and Fathom.
How does a virtual accounting firm work with you?
Everything happens online. You give us access to your accounting software and bank feeds, we do the work inside your own QuickBooks or Xero, and we meet you on video calls in your working hours. Our team works from Thane, India.
- 01
Discovery Call (30 min)
We learn your business, goals, spending patterns, and current financial challenges. No judgment.
- 02
Books Review
We go through your books, find what is wrong and set the starting point.
- 03
System Setup
We set up your reports, KPI tracker and forecast, connected to the tools you already use.
- 04
Every Month
Books reconciled every two weeks, statements by the 7th, and a review call in your working hours.
How does a virtual accounting firm work with you?
Everything happens online. You give us access to your accounting software and bank feeds, we do the work inside your own QuickBooks or Xero, and we meet you on video calls in your working hours. Our team works from Thane, India.
Discovery Call (30 min)
We learn your business, goals, spending patterns, and current financial challenges. No judgment.
Books Review
We go through your books, find what is wrong and set the starting point.
System Setup
We set up your reports, KPI tracker and forecast, connected to the tools you already use.
Every Month
Books reconciled every two weeks, statements by the 7th, and a review call in your working hours.
Which small businesses do we work with?
Our clients trust us because we bring:
- ✦Deep industry expertise across construction, consumer services, manufacturing, health & wellness, D2C, agencies, consultants and SaaS
- ✦Performance reporting and strategic cash flow visibility
- ✦Dedicated financial lead embedded in your day-to-day operations
What do clients say about working with us?
“I’ve retained Divyesh and his team for a few years now. He is a great communicator, attends quarterly planning and is my confidant with finance. I have referred him to a few close friends due to how helpful they are.”
Which accounting software
do we work with?
We work in the tools your business already runs on, so nothing has to move.
Where can owners read more
about small business finance?
Financial clarity starts with the right knowledge.
Debt Management Done Right: Fractional CFO Strategies for Sustainable Growth
Dec 5, 2025
The Financial Model Makeover: Turning Spreadsheets Into Strategy Dashboards
Dec 1, 2025
The Limitations of Financial Statement Analysis (And How to Overcome Them)
Aug 2, 2025Frequently Asked Questions
Outsourced bookkeeping, fractional CFO services and FP&A for owner-led businesses in the US and Canada. We keep your books reconciled, send monthly statements and help you plan cash, budgets and pricing. We do not prepare or file tax returns.
No. We do not prepare or file tax returns. We work with your CPA and hand them clean, reconciled year-end books, so your return is faster and more accurate.
Bookkeeping starts at $350 a month and fractional CFO services start at $1,099 a month. Those are starting prices for a business with $500,000 to $700,000 in annual revenue. Your quote depends on volume and scope.
A virtual accounting firm does your bookkeeping and finance work online instead of from an office near you. We work inside your own QuickBooks or Xero, so the file stays yours and you can see every change we make. You control our access and can remove it at any time.
Yes. Many owners start with bookkeeping to get the books right, then add FP&A or a fractional CFO when they need forecasts and planning.
You have one lead at Celeste who knows your books. Quick questions go by email, Slack or Teams, your key numbers sit on a live KPI dashboard, and we hold review calls in your working hours.
Your profit and loss statement, balance sheet and cash-flow statement by the 7th of the following month, with a short note on what moved and why.
In the first month we usually find costs booked in the wrong place, such as operating expenses recorded as cost of goods sold, so the margin the owner has been reading is wrong. After a quarter, owners know where the business stands and what they would have missed without the numbers.
Want to know where your numbers really stand?
Tell us your revenue and the one finance problem that takes most of your time. We will reply with what we would fix first.