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Read Derek's Books

16 Steps to Wealth

From the day that you first earn income you need to start your long term financial planning. This book will walk you through each step of your financial life, building your retirement investments, protecting your money from creditors, avoiding the taxes that come with death, and ensuring that you leave a legacy for future generations.


16 Steps to Business

So, you plan to start a new business. This book will walk you through each step along the road to success.


16 Steps to Marketing

A successful business needs tip top cash management and tip top marketing. Marketing is creating an environment where sales just happen. In this book Derek shares his marketing secrets in a simple, practical way that will guide you to success.


Established in 1972, we're still here to help you 24/7 - we never close!

Office hours -

Monday to Thursday 08h00 to 15h50
Friday 08h00 to 13h00
Never a charge meetings with Derek Saturdays, Sundays and Public Holidays included. Click here for his calendar.

Phone numbers -

Office hours: 063 866 8928
Any time: 087 655 1478

Emails -


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Harbour And Associates IconHarbour And Associates

1st Floor, Gallagher School Building, 537 Lupton Drive, Midrand

4.9 104 reviews

  • Avatar Av S ★★★★★ a week ago
    Derek is Friendly and efficient. He is well-versed in his legal and accounting knowledge. I highly recommend their services!
  • Avatar Kobus Venter ★★★★★ a month ago
    Wow what an awesome experience. Not even a customer but Derek is willing to part with his knowledge and assist us with some questions on how to setup our business. Will definitely buy his books to gain more insight.
  • Avatar Pierre Steyn ★★★★★ 2 months ago
    Derek responded promptly and over a long weekend. If only all service providers in South Africa could practice this. The information addressed all of my concerns, and I will contact them in the future for assistance.
  • Avatar Diego Lord ☆☆☆☆ 2 months ago
    Slow service as I paid at the beginning of last week already online. I'm still waiting for papers and no communication from their side. I have to run after them and listen to excuses as to why I haven't received my papers yet. … More I read the reviews and thought I would receive the same treatment but unfortunately not. Needed those papers today, so if you know how a computer works and you have access to a scanner i.e any internet printing shop can help, then just do it yourself for cheaper and you know exactly where along the process you are.
    My reply: I was told by mini on a WhatsApp VN that my name was approved and also I received both an sms and email from CIPC that my application was only logded on the 20 April, so please stop trying to cover up your negligence. Please contact as I have never been contacted by anyone from your company regarding any issues that you have come across.
  • Avatar lusanda nxomeka ★★★★ 2 months ago
    Great experience...friendly and professional staff. Made it easy for me to register my company.

Latest Blogs from our CEO, Derek Springett

The answer used to be “Yes”, then it was “No”, and now it is again “Yes”.

I guess it all depends on which side of the bed the Master got out of this morning!

The problem arises when there’s a need to change the beneficiaries, or when the trust deed was so badly drafted that it is hardly worth the...

I get so many people asking me why we have not registered them as shareholders at CIPC, it’s time to explain.

  • Members of CCs are registered at CIPC (because they are, amongst other things, “directors” of the CC).
  • Directors of companies are registered at CIPC.
  • Shareholders are not registered anyw...

Transactions, such as the sale of shares or fixed property between related parties are deemed for tax purposes to have been at market value, regardless of the documented transaction value.

It often happens that you will want to sell assets into your trust structure and you are a connected person ...

When a company or CC has failed to submit Annual returns, CIPC marks them “In de-registration process”. To return to “In Business”, we simply have to submit the outstanding returns.

Then, periodially, CIPC will Finally de-register those companies and it is usually impossible to restore them.


What is it about attorneys? Are they taught to write shockingly bad English or do they just pick it up as they go along?

I have a standard lease agreement that’s been floating around for years. We found a lovely house to rent here in Knysna and I offered to draft the lease. I set out to eliminate...

We recently formed a company for someone. He wanted the name Bidvest S…….. (Pty) Ltd. I can’t say what the S…….. was but it described the kind of business that he was in.

The computer at CIPC would not see a conflict because there are so many Bidvests (52 at the last count) that it would interpre...

I was chatting to a client on Zoom and trying to do some quick arithmetic at the same time. I didn’t do too well!

She had R35m which she wanted to lend to an investment company that would be owned by a new trust.

The question was. How much tax would she pay as a result of s7C of the Income Tax Ac...

Last week I talked about a client who is building his company on bad business instead of good business and I briefly mentioned some performance ratios that he needed to achieve in order to get things on the right path.

So, if I know nothing about his particular industry, how can I tell him what h...

We recently completed a year’s accounts for one of our bookkeeping clients.

This time around, I noticed that his turnover had shot up from R1m to R4m. Seemed like things were going well. Until I looked closer.

  • His net profit dropped from R53K to R47K, so he was doing four times the amount of wor...

When you form a trust, you actually become four different people.

  • You as a person whose financial affairs are entirely separate from those of the trust.
  • You as the founder, the person who forms the trust and who has to agree to any changes to the trust deed.
  • You as one of the trustees who will m...