Bookkeeping & Financial Systems

Clarity in your numbers,
calm in your business.

COZG is a boutique bookkeeping team helping growing businesses across the US, UK, New Zealand and the Philippines keep clean, accurate books — and make confident decisions with clear financial insight.

Book a free consultation
Xero Certified Advisor & QuickBooks ProAdvisor
Caren May Gache, founder of COZG
Serving growing businesses worldwide
United StatesUnited KingdomNew ZealandPhilippines
Sound familiar?

Running your business is the fun part. The books are where it gets heavy.

01

Hours lost to manual data entry and reconciling transactions month after month.

02

No clear view of what's actually profitable — or where the cash is really going.

03

A quiet worry that the books are messy, behind, or not quite right.

What we do

Everything your finances need, handled with care.

Bookkeeping & Reconciliation

Full-cycle bookkeeping, transaction categorization and bank reconciliation — your records always accurate and up to date.

Reports & Insight

Clear monthly reports — P&L, balance sheet, cash flow and the numbers that turn data into confident decisions.

Cleanup & Setup

Behind or just starting out? Historical cleanup, chart-of-accounts mapping and bank rules in Xero or QuickBooks.

Why COZG

Boutique-team expertise, with a partner who truly knows your books.

Big firms can feel distant and one-size-fits-all. We work as your dedicated partner — taking the time to understand your business and shaping our systems around how you actually operate.

A real partner, not a portal. You work with a team that knows your books by name.
Built on Xero & QuickBooks. Certified expertise in the tools your business runs on.
Clear, honest communication. Plain-language reports and answers — never jargon.
The COZG bookkeeping team at work
Kind words

From the business owners we work with

Dipak
Shopify store owner · United Kingdom
Edgar
Mortgage business owner · United States
Free guide

The Bookkeeping Starter Kit

A simple checklist to get your books clean, organised and decision-ready — built for busy business owners.

The Bookkeeping Starter Kit — free guide cover

Ready for books you can finally trust?

Book a free, no-pressure consultation. We'll look at where you are and map out the calm path forward.

Book a free consultation
About COZG

We make business finances feel calm.

COZG Accounting & Bookkeeping Solutions is a boutique team giving business owners the financial clarity they need to make confident decisions and grow with peace of mind.

Caren May Gache, founder of COZG
Our founder

From financial pressure to financial freedom.

COZG was founded by Caren May Gache — a Filipina bookkeeper, educator, and mom of three who knows what financial pressure really feels like. After years weighed down by debt, she found her way to freedom through discipline, faith, and a deep understanding of the numbers.

That journey became her mission: to help other business owners find the same clarity. Today she leads a dedicated team of nine, serving clients across the US, UK, New Zealand and the Philippines with meticulous bookkeeping and insightful reporting.

Having carried the weight of money worries herself, we don't just balance the books. We help you breathe easier.

Mission

To provide accurate, dependable bookkeeping that empowers business owners with actionable insight, organised operations, and sustainable growth.

Vision

To be a trusted global partner for bookkeeping — helping entrepreneurs everywhere achieve financial freedom and build thriving, lasting businesses.

What we stand for

The principles behind every set of books.

01

Authority

Professional expertise that earns and keeps your trust.

02

Warmth

Relatable, human care behind every number.

03

Clarity

Plain language that empowers, never confuses.

04

Action

Always moving toward results — never just theory.

Certified, and serious about the details.
Xero Certified Advisor QuickBooks ProAdvisor

Let's bring calm to your books.

Book a free consultation and meet the team that will treat your business like their own.

Book a free consultation
Services

Full-service bookkeeping, tailored to your business.

From day-to-day bookkeeping to reporting, cleanup and systems setup — everything you need to run clear, organised, decision-ready books.

01

Bookkeeping & Reconciliation

  • Full-cycle bookkeeping
  • Transaction categorization
  • Bank & account reconciliation
  • Accounts payable & receivable
  • Ongoing monthly maintenance
  • Expense tracking & organisation
02

Reporting & Insight

  • Profit & loss statements
  • Balance sheets
  • Cash flow statements
  • Monthly management reports
  • KPI & performance tracking
  • Custom report cadences
03

Cleanup & Systems Setup

  • Historical cleanup & catch-up
  • Chart of accounts (COA) mapping
  • Bank rules & automation
  • Xero / QuickBooks setup & migration
  • Onboarding: proposal & checklist
  • Software integrations
We work where you work

Certified in the platforms your business runs on.

Xero QuickBooks
Working together

Packages tailored to where your business is now.

Catch-Up & Cleanup

One-time project

For businesses behind on their books. We get you reconciled, organised and tax-ready — with clean systems to carry forward.

Get a quote
Most popular

Monthly Bookkeeping

Ongoing partnership

Categorization, reconciliation and monthly reports — handled by a dedicated bookkeeper who knows your business.

Get a quote

Full-Service Partner

Bookkeeping + advisory

For scaling businesses — bookkeeping, in-depth reporting, advisory support and priority response, all in one.

Get a quote

Every engagement is priced to your transaction volume and scope.

Not sure which fits? Let's talk.

A free consultation is the easiest way to find the right path for your books.

Book a free consultation
Resources

Tools and insight to keep your finances clear.

Practical guidance for business owners who want organised books and confident decisions.

Free download

The Bookkeeping Starter Kit

A simple checklist to get your books clean, organised and decision-ready — built for busy business owners.

Download the free kit
The Bookkeeping Starter Kit — free guide cover

Insights & ideas

Foundations

Why clean books are the foundation of real growth

The numbers don't just track your business — they tell you where to take it next.

Tools

Xero or QuickBooks: which is right for your business?

A simple, jargon-free look at choosing the platform that fits how you work.

Cleanup

Behind on your books? Here's how to catch up calmly

A clear, step-by-step path from months of backlog to tax-ready confidence.

Questions, answered

Frequently asked

{{ faq.a }}

Have a question we didn't cover?

Book a free consultation — we're happy to talk through your situation.

Book a free consultation
Contact

Let's talk about your books.

Book a free consultation or send us a message — we'd love to hear about your business.

Thank you!

Your message is on its way. We'll be in touch within one business day — talk soon.

Send us a message
Foundations · 4 min read

Why clean books are the foundation of real growth

Most business owners think of bookkeeping as a chore — something to survive at tax time. But your books are so much more than a compliance task. They're the clearest, most honest picture you have of where your business actually stands.

Clean books tell the truth

When your records are accurate and up to date, you can finally see what's really working — which products and services are profitable, what your true margins are, and how cash actually moves through your business. No guessing, no surprises.

Decisions get easier

Should you raise your prices? Hire help? Invest in more inventory? These questions feel overwhelming when your numbers are messy. With clean books, the answers are right there in front of you — and confidence replaces second-guessing.

Growth needs a foundation

You can't scale on shaky records. Whether you're applying for a loan, bringing on an investor, or simply planning your next big move, you need financials you can trust. Clean books are the solid ground that everything else is built on.

So no — bookkeeping isn't just busywork. It's the calm, steady foundation your growth stands on. And the earlier you build it, the further it will carry you.

Ready to build that foundation? Let's get your books clean and clear.

Book a free consultation
Tools · 4 min read

Xero or QuickBooks: which is right for your business?

Xero and QuickBooks are two of the most trusted accounting platforms in the world — and the good news is, both are excellent. The right choice isn't about which is "better." It's about which fits the way your business runs.

When Xero shines

Xero has a clean, modern interface that's a joy to work in. It handles multi-currency beautifully, includes unlimited users on every plan, and has strong bank feeds that keep your data flowing automatically. It's our primary platform for international clients across the US, UK and New Zealand.

When QuickBooks fits

QuickBooks is incredibly widely used, especially in the US, with a deep ecosystem of integrations. If your existing accountant or tax preparer already works in it, staying with QuickBooks can keep everyone on the same page and make tax season smoother.

The honest answer

Here's the truth most people miss: the platform matters far less than how it's set up and maintained. A well-organised Xero file will always beat a messy QuickBooks one — and the other way around. Clean structure, the right chart of accounts, and consistent upkeep are what really make the difference.

Still unsure? That's exactly what we're here for. We're certified in both, and we'll help you choose the right fit and set it up properly from day one.

Let's pick the right platform for your business — together.

Book a free consultation
Cleanup · 4 min read

Behind on your books? Here's how to catch up calmly

If you're months — or even years — behind on your bookkeeping, take a breath. You are not alone, and it is completely fixable. The mess feels heavier than it actually is. Here's the calm, step-by-step path back to clarity.

Step 1 · Gather everything

Pull together your bank statements, credit card statements, and reports from any sales platforms you use. You don't need to organise them yet — just get everything in one place so nothing gets missed.

Step 2 · Reconcile month by month

Work through one month at a time, matching every transaction to your records. It feels slow at first, but a steady rhythm turns a mountain back into manageable steps — and each month done is a weight lifted.

Step 3 · Set it up to stay clean

Once you're current, put the right structure in place: a clear chart of accounts and bank rules that categorise transactions automatically. This is what stops the backlog from ever building up again.

Step 4 · Keep a gentle rhythm

A little and often beats a once-a-year scramble. A simple monthly check-in keeps everything tidy and your mind at ease — so tax season becomes a non-event instead of a panic.

Catching up doesn't have to be stressful. We do this every week for businesses just like yours — and we'd be glad to map out your catch-up plan with you.

Behind on your books? Let's map your calm catch-up plan.

Book a free consultation