Client concentration risk can sink a healthy business faster than falling sales. When one customer accounts for too much revenue, cash flow, valuation, and even survival hinge on decisions you don’t control. 

Here we explain the “40% Rule.” What it is, why lenders and investors care about it, and how to manage concentration risk before it manages you. 

Many small business owners fall into the “do it all” trap. You start with passion, but soon find yourself buried in tasks that have nothing to do with why you launched your venture. This leads to chronic burnout. You are busy, but are you productive? 

This feeling of being overwhelmed often stems from a failure to distinguish between being busy and making progress. That’s why you have to identify the “invisible work” that consumes your energy without ever appearing on a customer’s invoice or adding real value.

The Annual Employer Reconciliation Declaration (EMP501) remains a focus area for SARS. Employers have until the end of May to submit their declarations for the period 1 March 2025 to 28 February 2026.

We invite you to rely on our expertise to ensure compliance with this legal requirement, as submitting incorrect or incomplete declarations (or missing the deadline) will cause additional work, penalties, delays and hassles for you and your employees.