Accounting that keeps you ahead, not just compliant

Most accountants only see you at year end. I work with small businesses across Auckland and New Zealand throughout the year, providing practical advice, GST and tax support, and strategic financial guidance that helps you make better decisions and keep more of what you earn.

LET'S TALK

Business advisory

GST returns

Tax compliance & planning

Business plans & cashflow forecasts

Strategic guidance & structure advice

Year-end accounts (all entity types)

Property & rental portfolios

Business advisory GST returns Tax compliance & planning Business plans & cashflow forecasts Strategic guidance & structure advice Year-end accounts (all entity types) Property & rental portfolios

Hi, I'm Raquel

DIRECTOR & ACCOUNTANT

CRUNCH LIMITED

I founded Crunch Limited with a simple belief: your accountant should be working for you all year, not just at tax time. I've seen too many business owners and investors left in the dark between filings, only to be hit with surprises they could easily have avoided.

My approach is different

I work closely with my clients throughout the year, building a detailed understanding of their business, their goals and their financial position; so I can give advice that's actually useful, not just compliant.

With a background spanning business accounting, tax, and property investment, I bring a broad and practical perspective to every client relationship. Property accounting is an area I'm particularly passionate about; my rental portfolio clients get specialist advice that goes well beyond the basics.

I'm genuinely passionate about helping people get on top of their money. Whether it's removing the stress of an unexpected tax bill, untangling a messy structure, or simply giving you the confidence to make better decisions — that's what gets me out of bed every morning.

“The best financial decisions are made with a clear head. My job is to make sure you always have one.”
call me

What clients say

★★★★★

"Before working with Raquel, I had no idea what my business was actually making each month. Now I get a clear monthly report and always know exactly where I stand."

Sarah T.

Small Business Owner, Auckland

★★★★★

"She spotted that my rental property structure was costing me thousands unnecessarily. One conversation changed everything. Genuinely invaluable."

Mark R.

Property investor, 4 rentals

★★★★★

"I used to dread tax time. Now it's just another date in the calendar — everything's prepared, filed, and I never get a nasty surprise from IRD."

Lisa K.

Self-employed consultant

Areas I specialise in

Whether you're a small business wanting better financial clarity, need your year-end sorted, or want to make the most of a rental portfolio, I bring the same care and attention to every client.

  • Management accounts, actuals vs budget, cashflow forecasting, business plans, GST returns, and the strategic conversations that help your business move forward.

  • Accounts and tax returns for individuals, companies, trusts, and partnerships. Clean, thorough, filed on time — with no last-minute stress and no surprises from IRD.

  • Specialist property accounting covering rental income, deductions, depreciation, portfolio structure, and bright-line rules. Making sure every dollar works as hard as it can.

LEARN MORE

I'm not just a year-end accountant

  • A close-up view of a busy financial workspace featuring a calculator, reading glasses, and paper documents with an intricate data trend line graph, symbolising detailed bookkeeping and analysis.

    01

    Advisory, not just compliance

    I work above the bookkeeping layer; reviewing your numbers, filing your GST and tax, and giving you the guidance that actually helps your business grow.

  • A woman viewed from behind standing on a beach with her arms wide open towards crashing ocean waves, symbolising a sense of freedom, relief, and calmness.

    02

    No IRD surprises. No cashflow stress.

    I build systems so tax is set aside and cashflow is managed; removing the two biggest sources of financial anxiety for business owners.

  • Two people shaking hands against a plain, neutral-coloured background, symbolising a successful professional partnership, trust, and collaboration.

    03

    The right people doing the right things

    Your bookkeeper handles the data. I make sure it results in correct compliance, smart tax planning, and decisions made with the full picture in mind.

  • A classic two-storey white weatherboard house featuring a dark red front door, maroon window frames, and a white picket fence, framed by mature trees displaying bright autumn colours.

    04

    Deep property expertise

    Property accounting is an area I'm genuinely passionate about. My clients get advice that goes beyond compliance; structure, deductions, and strategy all included.