For founders
Built for founders without a finance person.
Two ways in. Pick the one that fits.
Two founders
Meet Andre and Ben.
Founders running a real business without a finance person.
Andre
Uses Coat Solo, the self-serve tool
- Student, first-time owner or solopreneur
- More time than budget, and willing to do the work
- Needs structure
- Knows the obligations exist, not which apply or when
- Keeps a hand-over pack ready for the day a professional is needed
Ben
Uses COAT, the managed service
- Startup at roughly S$100k to 600k a year in revenue, 1 to 10 people
- One company, one bank account, no inventory to count
- Founder approves spend and supplies the records
- Already paying an accountant, or running Xero with ChatGPT and hoping
- Financial year end 31 Dec
Three doors
Which door is yours?
Switchers
Already paying a provider who let you down: a missed estimate, a surprise invoice, a 72-hour reply in deadline week. We write you a switching plan.
Write me a switching planNew outsourcers
Doing it yourself until the first hire, first tax estimate, or an investor asking for clean accounts.
See plansStage zero
Student and first-year founders not ready to pay anyone. Coat Solo is free; six months of Coat Solo Max free if pre-revenue.
Try Coat Solo
Not our client
GST-registered or GST-bound?
Above roughly S$85k to 100k a month in revenue, we are the wrong fit. We introduce you to Astria Consulting and run the handover.
Five regulators
The five that send the letters.
ACRA
IRAS
CPF
MOM
PDPC
The statutory yearExample
Your year end sets the year.
Move it. ECI, the AGM and the annual return move with it. Form C-S stays on 30 November.
Drag to turn the dial. Drag the bead to move your year end.
FY2026 example, from year end to tax return
IRAS3 months after your year end, by the month's last day
Tell IRAS your estimated profit (ECI) · FY2026
Why: Tell IRAS your estimated profit (ECI) · FY2026
ECI (Estimated Chargeable Income) is your early estimate of taxable profit. It lets IRAS bill you in instalments. If your revenue is S$5m or less and your ECI is nil, you do not need to file.
Income Tax Act 1947, s 63. If it’s missed: IRAS can raise an estimated assessment. You then have one month to pay it. IRAS · ECI filing(opens in a new tab)
ACRA6 months after your year end
Get shareholders to approve the accounts (AGM) · FY2026
Why: Get shareholders to approve the accounts (AGM) · FY2026
The AGM is when shareholders formally receive the FS. Private companies can dispense with it by a resolution of all members, or are exempt if FS are sent to all members within 5 months of the financial year end.
Companies Act 1967, ss 175, 175A. If it’s missed: Directors can be fined, and ACRA may take enforcement action against the company and its directors. ACRA · AGM due dates(opens in a new tab)
ACRA7 months after your year end
Confirm company details with ACRA (annual return) · FY2026
Why: Confirm company details with ACRA (annual return) · FY2026
The annual return confirms your officers, shareholders, share capital and AGM details with ACRA. You file it on BizFile after the AGM (or after dispensing with it).
Companies Act 1967, s 197. If it’s missed: Late lodgement penalty of up to S$600, plus possible enforcement against directors. ACRA · Annual return deadlines(opens in a new tab)
IRAS30 Nov of the year of assessment
File the company tax return (Form C-S) · YA 2027
Why: File the company tax return (Form C-S) · YA 2027
This is your company's income tax return for the year ended 31 Dec 2026. Companies with revenue of S$5m or less can usually use the simplified Form C-S. At S$200k or less, they can use Form C-S (Lite).
Income Tax Act 1947, s 62. If it’s missed: Composition fine, and IRAS may raise an estimated assessment. IRAS · Filing Form C-S / C-S (Lite) / C(opens in a new tab)
- ECI is due by the end of the third month after your year end, as IRAS counts it. The AGM and the annual return are counted in calendar months, keeping the day of your year end, so a 30 June year end has its AGM by 30 December. Where that month is shorter, it is the month's last day. A February year end is 28 February, or 29 in a leap year.
- Shown for a Singapore private limited company past its first financial year. Check your own dates on BizFile and myTax Portal. Rules checked against ACRA and IRAS guidance, Sep 2026.
- A guide, not advice, and no guarantee. If unsure, check with the agency or a professional.