Accounting, Tax & Agri Advisory · Lowveld, Mbombela

Your trusted
Lowveld financial partner

For over two decades, Credo has helped farmers, agribusinesses, companies and complex group structures across the Lowveld and Mpumalanga grow with confidence — combining technical expertise with a genuinely personal approach.

2001
Established
500+
Clients served
9
Team members
20+
Years of trust
Credo Accountants monogram
What we do

A complete range of services, under one roof

From day-to-day accounting to tax, payroll, and compliance, we help you keep your finances organised, compliant, and aligned with your goals — with specialist experience in farming, agribusiness and complex, multi-entity company and trust structures.

Specialist focus

Who we work with in the Lowveld

We serve a broad base of Lowveld businesses and individuals, with deep experience in two areas that need an accountant who truly understands them: agriculture and complex company structures.

Focus · Agriculture

Farmers & agribusiness

The Lowveld is farming country — citrus, sugarcane, macadamias, avocados, subtropical fruit, forestry and livestock. We handle the accounting, tax, VAT and payroll realities of farming operations and farming trusts, from seasonal cash flow to diesel rebates and asset planning.

Focus · Structures

Complex & group structures

Groups, holding companies, multiple operating entities, family and business trusts, and inter-company arrangements. We keep multi-entity structures accurate, consolidated and compliant — and advise on structuring them sensibly for tax and succession.

Focus · SMEs

Companies & individuals

Established SMEs, entrepreneurs, trusts, schools and organisations across Mpumalanga who want a responsive, hands-on firm that keeps them compliant and gives them clear numbers to make decisions with.

Serving Mbombela (Nelspruit), White River, Hazyview, Sabie, Barberton, Malelane, Komatipoort, Nkomazi and the wider Lowveld.

About Credo

Built on trust, consistency, and professional excellence

Founded in 2001, Credo has grown into a trusted accounting and tax advisory firm serving businesses and individuals across the Lowveld and Mpumalanga. Based in Mbombela (Nelspruit), we deliver professional financial services with integrity, accuracy, and a personal approach.

Whether you are a farmer, an agribusiness, an entrepreneur, an established company, a group of entities, a trust, a school, or an organisation, our team helps you navigate an increasingly complex financial environment with confidence.

By the numbers

Two decades of reliable financial solutions

A dedicated team and a network of trusted professional partners, focused on one goal — letting you focus on what matters most.

500+
Clients
9
Specialists
2001
Since
Why Credo

What sets us apart

01 · Personal

Personalised client support

We take time to understand each client's business and tailor our guidance to their specific needs.

02 · Responsive

Reliable turnaround times

We pride ourselves on being responsive and efficient, helping clients meet important deadlines without delay.

03 · Trusted

Experience you can trust

Strong industry knowledge and hands-on experience across accounting, tax, and compliance matters.

04 · Complete

All-in-one financial services

Accounting, tax, payroll, and compliance under one roof — easier to manage in one place.

Stay compliant

Important business & compliance dates

A quick reference for the deadlines that matter most. We'll make sure yours are met.

7th of the month
Payroll Taxes — PAYE, UIF & SDL (EMP201)
What's due
Submit your monthly EMP201 declaration and pay your PAYE, UIF and SDL.
Deadline
By the 7th of every month.
Weekend rule
If the 7th falls on a weekend or public holiday, submit and pay by the last business day before it.
Penalty
Late submission or payment incurs an automatic 10% SARS penalty, plus interest.
31 Aug
Provisional Tax — First Period (IRP6)
What's due
Submit your IRP6 and pay the first provisional tax on your estimated taxable income — for income not taxed through PAYE.
Deadline
31 August — six months into a February tax year. It spreads your tax across the year.
Weekend rule
If it falls on a weekend or public holiday, submit and pay by the last business day before it.
Penalty
Late payment incurs a 10% SARS penalty, plus interest.
28/29 Feb
Provisional Tax — Second Period (IRP6)
What's due
Submit your IRP6 and pay the second provisional tax, topping up your estimate for the full year's taxable income.
Deadline
The last day of the tax year — 28 February (29 in a leap year).
Weekend rule
If it falls on a weekend or public holiday, submit and pay by the last business day before it.
Penalty
Under-estimating your taxable income can trigger a 20% under-estimation penalty; late payment adds 10%, plus interest.
At a glance

2026 annual tax overview

Key changes for the year ahead. Speak to us about what they mean for your specific circumstances.

Small Business SME
VAT threshold leap
Registration now required only above R2.3M.
Turnover tax boost
Micro-businesses can earn up to R2.3M annually under simplified tax.
Asset disposal relief
CGT exemption on business sales (age 55+) up to R2.7M; qualifying value up to R15M.
Larger Business CORP
Corporate tax steady
Rate stays at 27%.
Global minimum tax
Multinationals face a 15% minimum tax to curb profit shifting.
Stricter enforcement
SARS intensifies audits and debt collection on large entities.
Individuals PIT
Inflation relief
Brackets adjusted; tax-free threshold up to R99,000.
Medical credits up
R376/month for first two members; R254 for others.
Savings & property
TFSA limit R46,000; primary-residence CGT exclusion R3M.
Overall Country MACRO
Fiscal health
Debt-to-GDP ratio stabilises; credit ratings improve.
Fuel & "sin" taxes
Fuel levy +9c/litre; alcohol & tobacco +3.4%.
Infrastructure pipeline
R1T planned for energy, water, and logistics projects.
Common questions

Frequently asked questions

Do you work with farmers and agribusinesses in the Lowveld?

Yes. Agriculture is one of our core focus areas. We work with farming operations, farming trusts and agribusinesses across the Lowveld — including citrus, sugarcane, macadamias, subtropical fruit, forestry and livestock — handling their accounting, tax, VAT, payroll and financial statements.

Can you handle complex group and trust structures?

Yes. We regularly manage complex, multi-entity structures — groups, holding companies, multiple operating companies, and family or business trusts — including consolidations, inter-company accounting and structuring advice for tax efficiency and succession.

Where are you based and which areas do you serve?

Our office is at 71 Van Wyk Street, Sonheuwel, in Mbombela (Nelspruit). We serve clients across the Lowveld and Mpumalanga, including White River, Hazyview, Sabie, Barberton, Malelane, Komatipoort and Nkomazi.

What services does Credo Accountants offer?

Accounting and bookkeeping, tax services, payroll, secretarial and CIPC compliance, and annual financial statement preparation — all under one roof, with specialist experience in farming and complex structures.

How do I become a client?

Call us on 013 744 3464, email juandre@credoacc.co.za, or send an enquiry through our contact page. We'll set up an introductory chat to understand your business and how we can help.

Let's talk about your numbers

Whether you're starting out or scaling up, our team is ready to help you stay compliant and grow with confidence.