Welcome to Sammut Bulow

Business Accountants Ipswich

Your Growth-Focused Business Advisory, Accounting, and Wealth Management Partner


Welcome to Sammut Bulow, your experienced accountants serving Ipswich locals for over 25 years. We’re not just number crunchers; we’re passionate about helping Ipswich businesses, from start-ups to established businesses, and individuals achieve long term financial success. Our solutions based approach to taxation, accounting and wealth management is designed to grow and protect our community.

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For Businesses


Advisory. Growth. Strategy. Success.


Sammut Bulow is an accounting firm that specialises in delivering comprehensive, business-focused services tailored to meet the diverse needs of start-ups, small businesses and bigger companies in Ipswich and throughout Queensland. We partner closely with business owners and leadership teams to create strategic plans that drive growth.



Business Advisory Services

For Individuals


Solutions. Protection. Growth. Wealth.


At Sammut Bulow, we deliver a full spectrum of professional services to help individuals like you meet your accounting needs and financial goals with confidence. Whether it’s navigating the complexities of tax, building your wealth, or protecting your personal finances, our team is here to guide you every step of the way on your financial journey.



Individual Tax and Wealth Services

OUR IPSWICH ACCOUNTING SERVICES


Wealth Management

SBB Wealth is a Private Wealth Advisory firm dedicated to delivering bespoke Financial Strategy and Investment Advice.

Wealth Management

Finance Broking

With loans from 32 financial institutions at our disposal, SB Lending will create a solution that suits your goals.

Finance Broking

Insurance Advice

SB Life is dedicated to providing advice for insurance and superannuation, tailored to you, your family and many small businesses.

Insurance Advice

Bookkeeping Services

SB Books removes the stress of managing accounts, providing you with the support needed to enable you to focus on your business and what you do best.

Bookkeeping Services

What Sets Us Apart?


What truly sets us apart is our people. We are an extremely helpful team of innovative problem solvers with real-world experience across a diverse range of industries and local markets.


We’re not your typical accountants...


We are your strategic partners.


Our goal is to understand your unique business needs and deliver tailored solutions that make a real impact on your tax liability. Whether you're a growing business, a corporate client, or an individual planning for the future, we are here to help you take control of your future by maintaining good profitability and staying compliant.

About Us

Comprehensive Services for Every Stage of Your Journey


At Sammut Bulow, our Ipswich accountants provide a comprehensive suite of tax services, including income tax, accounting, and business advisory services, for various business sectors. This includes individuals, small to medium-sized businesses, and corporate clients throughout Ipswich and beyond. Our team takes pride in empowering clients to focus on what they do best, while we handle the complexities of their financial needs.

Our accounting team offers services such as:

  • Income Tax Returns: For individuals, partnerships, companies, trusts, and Fringe Benefit Tax (FBT) returns
  • Business Activity Statements (BAS) & Instalment Activity Statements (IAS): Preparation and Lodgement
  • Business Setup & Structuring: New business setup, business structuring, and strategic advice for growth
  • ABN, TFN, GST, and PAYG Withholding: Applications, cancellations, and registrations
  • Accounting Software Assistance: MYOB, QuickBooks, and other systems setup, training, and support
  • Cash Flow & Budgeting Projections: Helping you plan for growth and sustainability
  • Tax Planning & Strategy: Tailored taxation compliance planning to align with your goals
  • Payroll Tax & Salary Packaging Advice: Ensuring compliance and optimising your business structure
  • Deep understanding of self-managed superannuation funds
  • Expert advice on the latest tax laws


Trusted by Ipswich Locals for over 25 years


Our tax agents proudly offer expert accounting and business advisory services designed to help Ipswich business accounts achieve financial success. We are committed to being more than just advisors who prepare your financial statements and tax returns – we are trusted partners, working alongside you to help you navigate your financial future with confidence.


Our blend of technical expertise and personalised service allows us to provide effective tax planning solutions that are not only compliant but also strategically aligned with your long-term financial planning goals.

Throughly impressed with every part of the business I have been involved with

Charlie M.

It is easy to recommend SB to colleagues in my line of work. Additionally, the patience and due diligence of SB staff, notably David and Andrew, in providing tax advice and risk assessment.

 

I would recommend SB to any of my colleagues, and will continue to do so!

Leigh W.

My company has been with Sammut Bulow for 6 years now after suffering a bad experience with another accountant. There is nothing they haven't been able to help us with, from grant application assistance through to helping with business plans. Brad, Adam and the team genuinely care, I wouldn't go anywhere else!

Brendon Moffatt

INSIGHTS AND NEWS


April 15, 2026
 You may have recently noticed a message from the Australian Tax Office (ATO) about a “Fuel Response” when logging into your ATO portal. We’ve had a number of clients ask what this means and importantly, how it may support their business. The ATO has introduced this initiative to support eligible businesses experiencing increased cost pressures, particularly around fuel, freight, and general operating expenses. While this is not a cash payment or rebate, it is designed to provide greater flexibility and support where it’s needed most. This may include More flexible payment plans for ATO debts Remission of interest and penalties where appropriate A more practical and supportive approach where businesses are genuinely impacted This approach is all about giving businesses breathing room and time, while still keeping things on track. What this means for you If your business has been impacted by rising fuel or operating costs, the ATO may be more flexible in how and when you meet your tax obligations. However, it’s important to understand: Tax obligations still need to be met Lodgements still need to be completed on time Why you’re seeing this message? The ATO is proactively communicating this initiative to individuals and businesses through their online portals to raise awareness of available support options. This does not mean any action is required — it’s simply letting you know support may be available if needed. Our advice to clients If your business is being impacted by rising costs, we’re here to help you navigate your options; Reviewing your current position Communicating with the ATO on your behalf Setting up payment arrangements where appropriate Making sure you stay compliant while managing cash flow The ATO Fuel Response is a support tool - it’s there to assist businesses who need flexibility, but it doesn’t replace the need for strong financial management and ongoing compliance. If you have any questions about the ATO Fuel Response or your ATO obligations contact us today - we are here to help. Disclaimer: The information provided on this blog is for general informational purposes only. While we strive to ensure that the content is accurate and up to date, the advice and information provided on this site should not be construed as a substitute for consulting with a qualified accounting or tax professional. The authors and contributors to this blog do not accept any responsibility or liability for any errors or omissions in the content, or for any losses or damages arising from the use of the information provided.
March 22, 2026
 Like most people, I’ve seen my fair share over the years. Friends I’ve grown up with struggling. People close to me dealing with anxiety. Losing mates far too early. And going through periods myself where things haven’t always been as steady as they might have looked from the outside. You start to realise pretty quickly that no one is immune to it. On the surface, people can look like they’ve got it all together - running businesses, leading teams, showing up every day - but underneath, they can be doing it tough. And too often, they’re doing it quietly. That’s what has always stuck with me. Too many people don’t know where to go, or don’t feel comfortable putting their hand up. And sometimes, by the time they do, things have already spiralled further than they needed to. Why It Matters in Business In business, we’re very good at looking after our physical assets. We service our equipment. We maintain our vehicles. We invest in systems and technology. But the reality is, your people are your number one asset. If your people aren’t supported, engaged or in a good place mentally, it shows up everywhere - decision-making suffers, culture slips, performance drops and over time, the business starts to feel it. The same goes for business owners and leaders. If you’re not in a good headspace, if you’re running on empty it impacts how you lead, how you think and how your business evolves. We’ve seen it play out time and time again. Wellbeing isn’t separate from business performance - it actually drives it. Over time, that belief has shaped how we run Sammut Bulow. It shows up in how we support our team, in the initiatives we’ve introduced and it shows up in the way our team engages with the community. Because this isn’t something we just talk about - it’s something we try to live every day. The Bigger Picture Outside of SB, I’ve spent a lot of time involved in this space - sitting on boards, working alongside people who are doing incredible things to support others, and more recently helping bring a new charity - Wellbeing Nation - to life. The goal is simple: To give people better access to the tools, support and conversations they need to stay on top of their wellbeing before things reach a crisis point. Because the reality is, life’s not getting any easier. There’s more pressure, more expectation, more noise than ever before. Without the right support, it’s easy for people to feel like they’re constantly trying to keep up. Why It Matters to Our Clients When we talk about “real advice”, it’s not just about numbers on a page. It’s about understanding what’s going on behind the scenes - the pressures, the challenges, the goals that matter. Because better decisions come from a clearer headspace. Stronger businesses come from more supported people. And long-term success only works if it’s sustainable. A Final Thought At the end of the day, business is just people working with people. If we can create environments - in our workplaces and in our communities - where people feel supported, balanced and able to be at their best, everything else tends to follow. It’s not always easy, and there’s no perfect formula. But it’s something I care deeply about, and something we’ll continue to invest in, both personally and through Sammut Bulow. Disclaimer: The information provided on this blog is for general informational purposes only. While we strive to ensure that the content is accurate and up to date, the advice and information provided on this site should not be construed as a substitute for consulting with a qualified accounting or tax professional. The authors and contributors to this blog do not accept any responsibility or liability for any errors or omissions in the content, or for any losses or damages arising from the use of the information provided.
February 24, 2026
From 1 July 2026, the way employers pay superannuation will change. Under the new rules, Super must be paid at the same time as wages, rather than quarterly as it currently is. While the concept sounds simple, we’re finding many business owners have practical questions about how it will work day-to-day - particularly around payroll systems, timing and what happens if you’re already behind. Here's some of the most common questions we’re being asked: If I only have a small number of staff, am I exempt? No. There is no minimum threshold. The Payday Super rules apply to all employers , regardless of how many employees you have. Can I pay staff super directly from my bank account into their nominated fund? No. Super must be lodged through an approved Super clearing account . You cannot simply transfer the funds directly to each employee’s super fund from your bank account. The clearing house processes the payment and distributes it correctly to the nominated funds. Will my payroll software be updated in time? In most cases, yes. The majority of modern payroll software providers already have functionality in place to support Payday Super. If you’re unsure whether your software is ready, it’s worth checking early. Can I lodge the super within 7 days of payday? No. Super must be lodged at the same time as you pay your staff . The approved clearing account will then: Direct debit your bank account (typically within 24 hours), and Deposit the funds into your employee’s nominated Super fund within 7 days. The key point is that you must initiate the super payment at the same time wages are paid, not several days later. What if I’m already behind in paying Super? If you have unpaid or overdue super contributions, you’ll need to lodge a Superannuation Guarantee Charge (SGC) statement with the ATO. It’s important to address this sooner rather than later, as penalties and interest may apply. If you’re unsure of your position, we strongly recommend seeking advice to bring your obligations up to date before Payday Super commences. Final Thoughts Payday Super isn’t just an administrative tweak, it’s a shift in timing and process that may impact payroll routines and cash flow management. With July 2026 approaching, now is a good time to review your systems, understand your obligations and prepare early.