The Adaptive Solution We find the solution helping you adapt

Finance support,
shaped to your business.

The two things that carry a business are its people and its systems and procedures. Get those wrong and everything else fails.

Start a conversation Where we fit

Chartered Business Accountant in Commerce · QuickBooks ProAdvisor

Hints & tips · free to use Procedures we have built, run and refined — written up for you to implement. Open the guides → no sign-up, nothing to buy

About us

The Adaptive Solution finds a custom solution for your finance department, allowing it to adapt to a changing environment.

Our vision

For businesses to have the infrastructure in place which is sustainable and cost-effective, allowing them to reach their full potential.

Our mission

To help businesses find a customisable solution that can adapt to their environment.

Services

  • Accounting & ReportingFromR800pmManagement accounts, budgets, cost accounting, year-end audit preparation, stock control.
  • Bookkeeping & AdminFromR390pmBookkeeping, reconciling, accounts payable, accounts receivable, year-end audit preparation.
  • Payroll & PeopleFromR200pmPayroll processing and setup, staff training, policies and procedure manuals, key performance indicators, work-in-progress setup.
  • Systems & DataFromR—Accounting system migration and setup, Excel models, HTML models for data reporting, automation.
  • FICA & RMCP ComplianceFromR—Scoping, business risk assessment, RMCP drafting, client due diligence and inspection readiness. →

How we work · Where we fit

Most businesses already have staff who are loyal, dependable and care about getting it right.

What they've never had is someone experienced to learn from. That's the gap we fill — advising, correcting, and holding a procedure in place until it's habit. Or we fill the role or section outright, where that's what the business needs.

Some businesses need a person, some need structure, some need one problem solved. The scope is set around what's missing, and priced for what it is.

If you already have a team

We back them up

Your team stays the face of finance. We're behind them — setting up what they work in, reviewing what comes out, and handling the technical end, so the business stops depending on one person quietly knowing everything.

You don't have anyone yet

We take on the role

We sit in the seat and do the work — processing, payroll, submissions, month-end, reporting. Working in it is how we see where things actually break. While we're there we build the structure and procedures underneath it, so the role is a defined job by the time you appoint someone.

If you just need one job done

We take on the task

One job that's been sitting because nobody has the time or the skill for it — a clean-up, a migration, a set of accounts, a system that needs building. We'll take that on its own, with a clear scope and a fixed price.

If you have it covered, but want a second pair of eyes

We stand behind you

Support, advice and oversight — without taking the work over. We check the set of accounts is right and that what the system produces can be relied on, and we're there when you want something checked before it goes out. Where something needs building or changing, we guide you through it rather than doing it around you.

How it works

Understand it, build it, run it with you.

No standard package. We start with what you already have and shape the rest around it. This is a collaboration rather than a hand-off — we work alongside you and your team, and the arrangement is reviewed as the business changes, so what we're doing keeps matching what the business actually needs.

  1. 01 Learn

    We take the role on

    We start by doing the work rather than reviewing it — learning your operations, finding the gaps and duplicated effort, and checking what you're paying for. Then we agree a plan and what it costs.

  2. 02 Build

    Structure, policies and procedures

    Chart of accounts, reporting structure, written policies and approvals, and a documented procedure for every recurring task — with the systems set up to match.

  3. 03 Uplift

    Training and skills transfer

    Your staff know the business; we make sure they know the system too. Hands-on training in your own live data, and a clear owner for every recurring task. We're there as a support to your team — helping them strengthen the areas they want to grow in, and stepping in on the parts they'd rather not tackle alone.

  4. 04 Partner

    The ongoing role

    Month-end close, reporting, a second pair of eyes on submissions and cover during leave — including holding the seat until you're ready to hire, with a handover pack when they start.

↻  Reviewed and repeated as the business changes

FICA compliance

Brought into scope and not sure what happens next?

The Schedule 1 amendments pulled a lot of small practices into the Financial Intelligence Centre Act for the first time. Registration is the easy part — the work is a Risk Management and Compliance Programme that reflects how the practice actually operates, client due diligence that happens on every file, and evidence that can be produced when an inspector asks.

FICA & RMCP compliance →

What we hold to

Numbers are only worth something if they can be relied on.

That belief shapes how we work more than any process does.

Integrity

We do things properly, including the parts nobody checks. Work you can put in front of a bank, an auditor or SARS without bracing yourself.

Transparency

You see where every figure comes from. If we find something wrong, we say so plainly and propose how to fix it, even when it isn't what you were hoping to hear.

Doing it right

We keep to the tax laws and everything else that applies to the work. Not as a box to tick, but because it's what makes the numbers mean anything.

Recent work

Projects Bernice has taken on in her personal capacity.

The person behind the work

Led by Bernice Kruger.

Bernice Kruger, Management Accountant
Bernice Kruger
Management Accountant · Chartered Business Accountant (CIBA)

Bernice spent ten years as a full-time management accountant in a group of companies, running a finance department and reporting to a board. The role covered training interns, implementing policies and procedures, system migrations and assisting with system development, and working with large volumes of data. In 2025 she moved out of full-time employment into external consulting. Her experience covers board reporting, intragroup work, forex, stock, payroll, SARS and systems — with exposure to a wide range of different environments and systems.

Centurion, Gauteng · English and Afrikaans · CIBA member CIBA201811-8703

Qualifications

  • Chartered Business Accountant in Commerce (CIBA)
  • BCompt Honours in Management Accounting (UNISA, 2023)
  • BCompt, Bachelor of Accounting Science (UNISA, 2016)
  • Data Analytics and Governance for Finance Managers (CIBA · Regenesys, 2025)
  • Certified QuickBooks ProAdvisor (Intuit)
Extended experience and skills The full scope of what Bernice takes on Management accounting and reporting · Financial operations · Tax and statutory · Compliance, risk and governance · Systems and implementation · Software View experience and skills →

I have been in situations, and often in circumstances, that force you to adapt — to find a solution with what is available and within your means. That is where this way of working came from, and it is still how I approach a problem.

Bernice Kruger

Get in touch

Tell us how finance runs now.

A short conversation is usually enough to see where the pressure is and what a workable solution would look like. No obligation either way.

Email bernice@customadaptivesolutions.com Phone 061 689 4850 Based in Centurion, Gauteng · working remotely countrywide
Custom Adaptive Solutions (Pty) Ltd · Reg No 2025/202958/07 · Registered 7 March 2025
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