Black & White Accounting

What Black & White Accounting does

Black & White Accounting Limited is a privately held, founder-led professional services firm established in 2010 and headquartered in Napier, Hawke's Bay, New Zealand. The firm operates three integrated service divisions under a single corporate entity: Black & White Accounting (tax compliance, business advisory, bookkeeping, payroll, farm accounting, trusts and estates), Black & White Mortgages (mortgage brokerage with major banks, first home buyer support, refinancing, debt consolidation), and Black & White Insurance (personal and business insurance brokerage across multiple providers). A core team of five professionals — including three founder-chartered-accountants, a practice manager, and a director of insurance and mortgages — delivers services directly to clients via a Napier office, with mobile coverage across the Hawke's Bay region and virtual meetings offered nationally.

The firm's underlying technology stack is cloud-based accounting software (Xero certified partner status) with PaySauce offered for payroll processing. The firm has no proprietary software, no mobile application, no public API, and no documented AI capabilities. Its business model combines fee-based professional services for accounting work with commission-based revenue from mortgage and insurance brokerage activities. Go-to-market is relationship-led and local: free initial consultations, transparent upfront quoting, and word-of-mouth referrals drive acquisition across SMBs, sole traders, contractors, farmers, first home buyers, individuals, families, and trusts in the Hawke's Bay region. Customer tenure frequently exceeds 15 years, indicating strong retention but limited geographic or product expansion since the 2013 service-line extension.

Name

Black & White Accounting

Legal name

Black & White Accounting Limited

Website

https://bwaccounting.co.nz

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

Black & White Accounting Limited is a Napier-based, privately held firm offering accounting, mortgage brokerage, and insurance advisory services to Hawke's Bay small businesses, individuals, farmers, and first home buyers through a five-person team operating from a single office.

Ownership category

akta.pro rank

Product category

Professional Accounting Services

NAICS

Offices of Certified Public Accountants (541211), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Financial Reporting & Technical Accounting Advisory (GAAP/IFRS) (BPAHABAF)

Keywords

• Accounting services
• Tax compliance
• Mortgage brokerage
• Insurance advisory
• Business advisory

Headquarters

HQ city

Napier

HQ country

New Zealand

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Accounting Services: Fee-based professional accounting services for businesses, individuals, farmers, and trusts. Includes tax compliance, business advisory, bookkeeping, payroll, and strategic planning.
2. Mortgage Advisory: Free mortgage advisory service for clients. Black & White acts as mortgage broker working with major banks. Paid commission by the bank or lender upon loan settlement. Service is completely free to customers.
3. Insurance Advisory: Insurance brokerage services. Acts as client advocate to find optimal coverage from multiple providers. Earns commission from insurance providers. Provides personal, business, health, and property insurance.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Black & White Accounting provides professional accounting, tax compliance, and business advisory services to small businesses, contractors, sole traders, farmers, trusts, and individuals in Hawke's Bay, New Zealand. The firm also offers free mortgage brokering services across major banks and insurance advisory spanning personal and business coverages, with mortgage and insurance revenue earned via lender and insurer commissions.

Product overview

Black & White Accounting operates as a full-service financial advisory firm with three integrated service divisions: Black & White Accounting (core accounting services), Black & White Mortgages (home loan and mortgage brokerage), and Black & White Insurance (personal and business insurance advisory). The accounting division provides professional services including bookkeeping, tax compliance, farm accounting, business advisory, payroll processing, strategic and succession planning, trusts, estates, and valuations. The mortgage division assists with first home purchases, refinancing, debt consolidation, and various loan types. The insurance division offers life, health, income protection, business liability, and asset coverage. All three divisions share a unified client-first approach with offices in Napier, Hawke's Bay.

Differentiator

Problem solved

Functional benefit

Products and services

• Black & White Accounting Core professional accounting and advisory services for small businesses, contractors, sole traders, farmers, trusts, and individuals in Hawke's Bay, including end-of-year accounts, GST, PAYE, FBT and RWT compliance, tax compliance, business advisory, benchmarking, payroll, farm accounting, succession planning, trusts, estates, valuations, and management accounting.
• Black & White Mortgages Free mortgage broker service working with all major banks and lenders across Hawke's Bay to deliver home loans, first home buyer assistance, refinancing, debt consolidation, personal loans, and guidance on interest rate options and loan types. Broker commission is paid by the lender upon settlement; the service is free to clients.
• Black & White Insurance Insurance advisory service acting as client advocate across multiple insurance providers, covering personal insurance (life cover, mortgage protection, income protection, disability, trauma, health, home/contents/motor/boat/travel) and business insurance (business protection, key person, shareholder, liability, directors & officers liability). Earns commission from insurers for placed business.

Quantifiable outcome

• 15+ year client retention relationships documented
• +1 more outcomes

Named customers8 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

Four partnerships are on record, tiered minor and core.

• Plan A ConsultingminorStrategic or Co-development PartnerLocal Hawke's Bay business consulting company with close working relationship with Black & White. Collaborates on client engagements providing business advisory services with 'great results'. Refer clients to each other for integrated financial and business strategy solutions.
• XerocoreTechnology or IntegrationCertified Xero partner with expertise in cloud accounting software. Recommends Xero and other accounting software solutions to clients. Staff experienced with wide range of accounting software to suit client preferences.
• Major Banks and LenderscoreChannel Partner/ Reseller/ DistributorWorks with all major banks as mortgage broker on behalf of clients. Brokers negotiate home loans and receive commission from lender upon settlement. Service is free to customers.
• Insurance ProviderscoreChannel Partner/ Reseller/ DistributorActs as insurance broker representing multiple insurance providers. Compares policies from different providers to find best coverage. Earns commission from insurers for placed business.

Scale indicators3 records

Recent moves7 records

Expansion highlights3 records

Emerging players

• Hnry: NZ fintech offering automated tax, accounting, and payroll services for contractors and sole traders — Black & White's primary SMB segment. Represents a digital-first challenger that pressures traditional accounting fees on routine compliance work.

Direct peers

• Squirrel Mortgages: New Zealand mortgage brokerage providing similar free-to-client advisory services and receiving commission from lenders. Directly competes with Black & White Mortgages for first-home-buyer, refinancing, and debt-consolidation clients across NZ.
• Loan Market New Zealand: Large franchised NZ mortgage broker network. Comparable broker model where clients pay no fee and brokers earn lender commission. Represents a scaled, branded competitor to Black & White's mortgage division.
• Baker Tilly Staples Rodway Hawke's Bay: Mid-tier New Zealand accounting and advisory firm with a Hawke's Bay office delivering tax, business advisory, and rural accounting services. Directly comparable multi-service regional CA firm competing for the same SMB, farming, and individual client base in Hawke's Bay.

Broad incumbents

• Findex NZ: Large Australasian accounting and wealth advisory network with a strong Hawke's Bay / regional NZ presence. Comparable in offering tax, advisory, and wealth/insurance services, but with materially broader scale and product breadth.
• Crowe New Zealand: Top-10 NZ accounting and advisory firm delivering tax, audit, and business advisory. Comparable professional services scope to Black & White's accounting division, but operating at significantly larger scale across multiple regions.
• Crombie Lockwood (Marsh): Major NZ insurance broker now part of Marsh. Overlaps directly with Black & White Insurance across personal, life, and commercial lines, but at materially greater scale and brand recognition.
• BDO New Zealand: Large NZ accounting and business advisory network with offices throughout the country. Competes for the same Hawke's Bay SMB and agri-business clients but offers a much broader portfolio of services at greater scale.

Others

• Xero: Cloud accounting software platform of which Black & White is a certified partner. Ecosystem participant that is both a supplier (technology stack) and indirect competitor (Xero's own advisory and add-ons) for the firm's accounting offerings.

Regional players

• Mike Pero Mortgages: Long-standing NZ mortgage broker brand with offices across regions including Hawke's Bay. Closely comparable model to Black & White Mortgages — free advice, lender-paid commissions, and access to multiple banks.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/black-&-white-accounting

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Black & White Accounting