Victus Group

Business Financial Solutions

Business financial planning that protects your longevity and ensures your future succession

Our Approach

At Victus, we support business growth and development wholeheartedly. When our clients involve us, it allows us to understand the inner workings of their business and its goals and objectives. 

We are constantly keeping an eye on customer trends to ensure that we are able to devise a holistic plan to help manage the business cycles and assist our clients to navigate the peaks and troughs associated with them.

Our approach to business financial solutions is similar to all of our other services. We are hands-on and ready to walk the business journey with you, crafting solutions from our bouquet of business services. 

Have you ever considered what would happen if you or your business partner becomes disabled, impaired or deceased? We take great care to ensure liquidity in our personal estates and believe that a business interest should not be treated any differently.

At any point in time, your business could be left vulnerable and exposed to third-party interests that are not necessarily a cultural or business fit. Buy and sell insurance protects your business from the impact of death, disability or impairment, ensuring that your business is fully retained and your beneficiaries are protected.

Buy and sell insurance also ensures that you unlock value for your beneficiaries at your death or permanent incapacity.

An employee or director often needs to stand surety for debts taken on by the business entity.  Contingent liability insurance is taken out to cover the amount of the loan.  In the event where an employee or director should die or become disabled, the policy will ensure that any outstanding loan amounts are repaid in full.

Often, a certain employee, partner or external individual is an integral part of a business’ operational success. This person is a crucial cog in the working business unit and is known as the Key Person. 

Key person insurance is necessary in order to afford the business the replacement costs linked to the deceased or disabled employee. A life insurance policy is taken out on that person equal to a specifically calculated amount following an analysis of how much the business would need to replace them.

Business Insurance Solutions

Managing a business can be described as the thrill of experiencing two feelings at once – excitement and fear. Owning a business is very rewarding, however, you do need to manage and plan for the unexpected. While we cannot protect your business against every conceivable risk, we can ensure that all the essentials are in place to keep your productivity and profitability steady.

From machinery breakdown, theft, water damage to an unexpected lawsuit; business insurance will cover the damage through the relevant insurance policy.  

We have a panel of experts that will analyse and implement the best-tailored business insurance plan for your needs.

By listening, analysing and understanding what it is that our clients want, we are able to provide expert financial advice to help manage and maintain personal, family and business wealth creation.  

In the event of illness or disability, the business tends to suffer the impact of this loss. The effect on daily operations may be affected, forcing the business to come to a standstill. Where overheads cannot be paid, business overhead insurance covers the ongoing costs needed to keep the business running efficiently. It is generally the first 6 – 12 months where this cover is vital.

Commercial Legal Solutions

Business Registration

At Victus, we believe that all businesses should be registered through what is considered best practice and standard industry procedures. Before beginning to trade, we recommend a consultation with one of our financial planners to ensure that all paperwork is accurate and in order. This is part of our service included in your business financial planning process.

Company Registration at the CIPC

While company registration through CIPC isn’t compulsory to run a legal business in South Africa, it is highly advisable.  By registering your business through the proper channels, you will be awarded a company registration document complete with a company registration number as well as a tax number. 

Having a company registration number makes applying for funding, loans, contracts, RFQs and tenders much easier.  A SARS tax number comes in handy to define your business finances and separate them from your personal finances.

Shareholders Agreement or Memorandum of Incorporation

The Companies Act, no. 71 of 2008 (the Act) details that a Notice of Incorporation is required to register a business. Part of this process includes the registration of a Memorandum of Incorporation (MOI) which is one of the most important founding documents for any new company registration in South Africa. 

The shareholder’s agreement or Memorandum of Incorporation lays out the rights, duties and responsibilities of its shareholders, the directors and other persons within a company.

While the companies act makes provision for a default MOI, most businesses require a more custom MOI solution, allowing businesses to alter the editable sections of standardised templates provided by the companies act. 


Loan Agreement

A professional loan agreement between two parties forms the basis of the terms of engagement and the intention of the transaction. A loan agreement is much more than just a confirmation, detailing the payable interest rates and repayment terms of the contract, and needs to comply with the relevant commercial and taxation principles applicable to the said translation.

Buy and Sell Agreement

Where there are partners within a business, a buy and sell agreement will cover the partner’s share should they unexpectedly die or become permanently disabled. This policy protects the remaining partners, who will, in turn, be able to buy out the partner’s shares from their estate. The buy and sell agreement will detail exactly how this purchase and sale transaction will be executed.

Fiduciary Services

We provide fiduciary services as part of the business financial planning journey. We offer insights into advisory, compliance, professional trust and executor administration. Our financial planners are able to assist in managing assets for or on behalf of individuals and families, including estates and trusts.

There should be one appointed independent person on the board of trustees regarding discretionary family trusts and family business trusts. By appointing Victus as your independent trust administrator, we will ensure that the integrity of the trust is upheld, protecting the beneficiaries and its trustees.  

Drafting a trust deed and registering such a deed can be a complicated process.  At Victus, we pride ourselves on understanding the intricacies of this process, taking into account the transfer of ownership from a donor or founder to a trustee or trustees as well as who controls the trust’s assets.

Whether it be an inter vivos trust (a trust between living persons) or a testamentary trust (created in conjunction with a will), our financial planners will ensure that all participants’ best interests are considered.

Employee Benefits Solutions


Group Retirement Schemes

Establishing a retirement fund involves complexity and attention to detail. We bring years of experience and understanding to the table to simplify and implement the perfect retirement solution for your business.

A simple, customised solution.

Our trained and skilled consultants assess, research, formulate and only then recommend a plan suited to your business.

We include market research, ongoing advice and administrative support.

Group Insurance Schemes and Group Medical Aid Schemes

A group risk benefit package is useful for businesses looking to mitigate the risks that come with employment. The Victus team is experienced in assisting employers in finding the right plan and giving them a comprehensive overview of what these benefits include. 

A group risk scheme, such as group insurance and group medical aid, acts as a double-edged sword, protecting the employer against liability and showing the employees that they genuinely care. 

In addition, including rewards programs such as Momentum Multiply, Sanlam Reality and Discovery Vitality encourages employees to live better, healthier and happier lives. A happy employee equals a productive culture.

A business cannot run efficiently without considering the well-being of its employees.  Our financial planners are equipped to assist in structuring the correct employee benefits including, but not limited to medical aid, pension/provident funds, life, disability and dread disease cover.

Payroll Solutions

At Victus, we offer payroll services that are tailored to fit your budget and business needs. The benefit of our payroll solutions affords business owners more time to grow and develop, leaving all payroll heavy lifting up to us.

Our payroll services include:
  • Full payroll function using high-quality payroll software
  • Provision of a list of amounts payable to:
    • Employees
    • SARS
    • UIF
  • Third parties (e.g. garnishee orders)
    • Provision of payslips for your employees
    • Provision of annual IRP5’s for all employees
  • Submission of statutory tax, UIF and skills levy returns which includes:
  • Monthly EMP201 returns
  • Bi-annual EMP501 returns
  • Monthly reporting as required
  • Assistance with registration for PAYE, UIF and skills levies
  • Assistance with registration for UIF with Department of Labour
  • Assistance with registration for WCA with Department of Labour
  • Salaries / Wage administration
  • Advice on remuneration structuring
  • Advice on/production of employment contracts
  • Claiming of employment tax incentive

The engineering policy is a complex and unique product offered by our specialist underwriters. Sub-sections of an engineering policy can include contractors & erection all risks (EAR), plant all risks, electronic equipment, machinery breakdown, deterioration of stock, machinery breakdown business interruption, and more. Contractors and plant all risk are policies of exclusion, meaning if a certain peril giving rise to a claim is not excluded, compensation may be provided.

These policies include cover for loss or damages caused by fire, water, storm and theft. They go so far as to include cover for surrounding property, liability cover and additional costs such as firefighting, recovery, removal of property, goods in transit and so on.  

Our Victus risk division has partnered with leaders in the field of engineering insurance to ensure we include this in our business financial planning solutions.  When highly specialised contracts arise, we have the flexibility to do a site visit with our specialist underwriters.


Commercial insurance can be extensive and complicated. One needs a specialist to evaluate your business in order to determine what policy sections are required to address your exposure.

Commercial insurance covers a vast variety of economic sectors such as retail, manufacturing, hospitality, medical, motor traders, transporters and education to mention a few.

At Victus, our risk division offers advice on all the above, including a January premium-free benefit, a self-insure fund, and many other value-added products to enhance its cover.

As digital transformation brings everyone and everything online, crime is no exception. In this fast-developing technological world, we have seen a considerable increase in companies’ online presence, putting the privacy of consumers and businesses at high risk. This has given rise to new legislation such as The Protection of Personal Information Act (POPI) as well as the development of various insurance products.

The cover is offered for technology error and omissions, data recovery, crisis management costs, data extortion as well as loss of funds due to online fraud.

Our Victus risk division has aligned with leaders in the field of cyber risks and commercial crime to offer our customers peace of mind.  The cover includes loss of business income, loss of funds due to fraudulent online transactions, privacy regulatory defence and penalty cover, customer notification support and credit monitoring expenses.

Accounting Services

At Victus, our accountants do more than just tax submissions. They take a comprehensive assessment of your finances and create a forecast throughout the year to keep your business in a healthy, prosperous state.

By partnering with a Victus accountant you will be able to focus on achieving your financial goals.

There is no task too big or too small for our team. We assist in everything from setting up financial statements to keeping your books accurate and up to date, ensuring your financial year runs smoothly. All of our financial accountant services are customised to suit your specific financial and business needs. 

Bookkeeping services up to Trial Balance

Bookkeeping involves the recording of a company’s financial daily transactions. It enables the company to make informed decisions around operational, investment and financial costs.

Preparation of monthly/quarterly Management Accounts

This report includes a statement of financial position and a statement of financial performance. It gives the business owner the necessary information to assess their financial position and performance.

Preparation of Annual Financial Statements

Financial statements detail the financial performance, business activities and operations, and cash flow for the specified period. These are required by legislation.

In addition, we can assist with:
  • Provisional tax returns
  • Annual tax returns
  • VAT returns
  • EMP201 payroll taxes returns
  • EMP501 payroll taxes returns
  • Dividend tax returns
  • Assistance with registration
  • Income tax
  • Payroll taxes
  • Liaison between you and SARS
  • Tax advice to minimise tax liability within confines of the law
  • Application for tax clearance certificates

“You only have to do a few things right in your life so long as you don’t do too many things wrong.”

– Warren Buffett

this is what


I cannot recommend them highly enough.

I have used Victus as my financial advisors for several years now and am constantly amazed at the excellence of my advisor. Highly qualified and knowledgeable, I feel as if I am in safe hands. They are transparent, I always receive comprehensive information when I have a query and have never been badly advised. On top of that, my advisor tends to go the extra mile for me.

Hester Sonander - Retired Eskom Manager

Exceptional service from the team at Victus Group!

Not only do they listen to understand but they also give you the best advice tailored to your needs. I would highly recommend the Victus group for any financial related matters.

Este Schoeman - Business Owner

Professional outfit with young and dynamic advisers.

Could quickly and efficiently make recommendations on my financial needs. Now my appointed financial advisors.

Danie Van Den Bergh - Retired Corporate Finance Specialist

Excellent Service. Highly recommended. catered for my specific needs.

Wimpie Buckle - Business Owner

Thanks, Victus, cheers to many more prosperous years ahead.

Definitely a personalised experience with services tailored to meet my financial needs.

Amori Gerber - Business Owner

Amazing service! Can not express how happy I am!

Tobias Johan Coetsee

Other Services

Best Possible Solutions To Give Your Business A Competitive Edge

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