Cruz Wise Consulting

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Cruz Wise Consulting

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We help SME’s achieve effective accounting, finance and tax systems with our tailored solutions to ensure operational efficiency and sustainable growth.

I am Terhemba Tsepav by name and my daily goal & objective is to help Small and Medium Sized Enterprises (SME’s) scale through financial challenges in their businesses by instituting appropriate financial systems in-order to curtail leakages and wastage to ensure maximum profitability. I also consult and file taxes on their behalf to ensure that they pay minimum tax possible. I have been trained and certified by the Institute of Chartered Accountants of Nigeria (ICAN) - (MB051386), The Corporate Affairs Commission (CAC)- (Accreditation No.: ICAN/IND/5612152) & Utiva Data School to help business owners legitimately register/incorporate their businesses in Nigeria, and also offer professional financial consultancy services relating to Data/Financial Analysis, Preparation and Analysis of the Financial Statement, Tax Consultancy, Financial Planning & Advisory, as well as Budgeting and Forecasting. Also, as a tech enthusiast who has a diploma in Web Design & Development with practical hands-on experience with genuine interest in up-scaling profitability, I help SME’s create strong digital presence to establish brand credibility inorder to generate more leads for their business and further increase revenue. With over 5 years working and offering these services, i believe these knowledge and experience i have acquired just for you will serve your business well. I can boldly say your business profitability is my top priority. Kindly click on the LIKE button above to connect with me Now!

02/10/2026

🚨 𝐑𝐄𝐌𝐎𝐓𝐄 𝐖𝐎𝐑𝐊𝐄𝐑𝐒 & 𝐅𝐑𝐄𝐄𝐋𝐀𝐍𝐂𝐄𝐑𝐒: 𝐘𝐎𝐔𝐑 𝐈𝐍𝐂𝐎𝐌𝐄 𝐌𝐀𝐘 𝐇𝐀𝐕𝐄 𝐓𝐀𝐗 𝐈𝐌𝐏𝐋𝐈𝐂𝐀𝐓𝐈𝐎𝐍𝐒 — 𝐃𝐎 𝐘𝐎𝐔 𝐊𝐍𝐎𝐖 𝐖𝐇𝐀𝐓 𝐘𝐎𝐔 𝐒𝐇𝐎𝐔𝐋𝐃 𝐏𝐀𝐘?

Whether you earn through 𝗿𝗲𝗺𝗼𝘁𝗲 𝗲𝗺𝗽𝗹𝗼𝘆𝗺𝗲𝗻𝘁, 𝗳𝗿𝗲𝗲𝗹𝗮𝗻𝗰𝗶𝗻𝗴, 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗶𝗻𝗴, 𝘀𝗶𝗱𝗲 𝗴𝗶𝗴𝘀, 𝗼𝗿 𝗼𝗻𝗹𝗶𝗻𝗲 𝘀𝗲𝗿𝘃𝗶𝗰𝗲𝘀, understanding your Personal Income Tax obligations can help you avoid costly mistakes.

And with the 𝟮𝟬𝟮𝟲 𝘁𝗮𝘅 𝗰𝗵𝗮𝗻𝗴𝗲𝘀, relying on what you heard last year could leave you confused about what applies to you.

💰 What income is taxable?
📊 How is your Personal Income Tax calculated?
🧾 What do the 2026 tax rules mean for you?
⚠️ What mistakes should you avoid?

We’ve broken it down in a simple, practical way so you can 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱 𝘁𝗵𝗲 𝗿𝘂𝗹𝗲𝘀 𝗮𝗻𝗱 𝗺𝗮𝗸𝗲 𝗶𝗻𝗳𝗼𝗿𝗺𝗲𝗱 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻𝘀 𝗮𝗯𝗼𝘂𝘁 𝘆𝗼𝘂𝗿 𝘁𝗮𝘅 𝗼𝗯𝗹𝗶𝗴𝗮𝘁𝗶𝗼𝗻𝘀.

🎥 𝗪𝗔𝗧𝗖𝗛 𝗧𝗛𝗘 𝗙𝗨𝗟𝗟 𝗩𝗜𝗗𝗘𝗢 𝗡𝗢𝗪

👉🏽 Click the "𝗪𝗮𝘁𝗰𝗵 𝗡𝗼𝘄" button or use the link below:

https://youtu.be/CtiUShRbItw?si=hNCvCRcrAhyHrMDN

📲 Still unsure how this applies to your situation?

Don’t leave your tax questions unanswered.

👉🏽 𝗖𝗵𝗲𝗰𝗸 𝘁𝗵𝗲 𝗰𝗼𝗺𝗺𝗲𝗻𝘁 𝘀𝗲𝗰𝘁𝗶𝗼𝗻 𝗮𝗻𝗱 𝗺𝗲𝘀𝘀𝗮𝗴𝗲 𝘂𝘀 𝗼𝗻 𝗪𝗵𝗮𝘁𝘀𝗔𝗽𝗽 𝗧𝗢𝗗𝗔𝗬 to speak with our team about your tax concerns.

𝑲𝒏𝒐𝒘 𝒚𝒐𝒖𝒓 𝒏𝒖𝒎𝒃𝒆𝒓𝒔. 𝑼𝒏𝒅𝒆𝒓𝒔𝒕𝒂𝒏𝒅 𝒚𝒐𝒖𝒓 𝒐𝒃𝒍𝒊𝒈𝒂𝒕𝒊𝒐𝒏𝒔. 𝑺𝒕𝒂𝒚 𝒂𝒉𝒆𝒂𝒅.

👇🏽 𝗪𝗔𝗧𝗖𝗛 𝗡𝗢𝗪 & 𝗧𝗔𝗞𝗘 𝗔𝗖𝗧𝗜𝗢𝗡.

01/10/2026

🇳🇬 HAPPY INDEPENDENCE DAY, NIGERIA! 🇳🇬

Today, we celebrate the strength, resilience and possibilities that make Nigeria what it is. 💚🤍💚

As we step into a new month, may October bring fresh opportunities, sustainable growth and greater prosperity to individuals, businesses and our nation.

At Cruz Wise Consulting, we remain committed to supporting businesses with the right accounting, tax, finance and business solutions to navigate opportunities and build sustainably.

Here’s to a stronger, more prosperous Nigeria. 🇳🇬✨
Happy Independence Day & Happy New Month!
Cruz Wise Consulting 💙💛

11/09/2026

Because experience and progression are not always the same thing.

You can spend years performing the same responsibilities without intentionally developing the skills that prepare you for more senior, strategic or advisory roles.

HVAP is not simply about doing more accounting. It’s about becoming more valuable as an accountant.

09/09/2026

What separates a routine accountant from a high-value accountant?
It’s not just technical knowledge. It’s the ability to understand the numbers, explain what they mean, anticipate business needs, and help management make better decisions.
Your technical skills get the work done. Your professional value determines how far you can grow.
Ready to become a High-Value Accountant?
Contact Cruz Wise Accounting Academy
WhatsApp/Call
08124092769
Or click on the link below to register

https://forms.gle/jvGZF1p9FY67EgFn6

01/09/2026

Happy New Month! 🎉

A new month brings new opportunities to review your numbers, make smarter decisions and position your business for sustainable growth.

At Cruz Wise Consulting, we remain committed to helping businesses gain financial clarity, stay compliant and build stronger systems for the future.

Here’s to a productive September filled with better decisions, stronger results and meaningful growth.

26/08/2026

Happy Birthday, Mr. Okoliko Gabriel!

On behalf of Cruz Wise Consulting we celebrate you, and sincerely appreciate your dedication, professionalism, and valuable contributions to the organisation.

May this new year bring you greater wisdom, favour, good health, success, and countless reasons to smile. May God continue to bless the work of your hands and open greater doors for you.

Happy Birthday, Sir. We wish you many more fulfilling and remarkable years ahead!

22/08/2026

𝗧𝗼𝗱𝗮𝘆 𝗶𝘀 𝘁𝗵𝗲 𝗱𝗮𝘆!

We’re excited to welcome you to the much-anticipated 𝗟𝗮𝗴𝗼𝘀 𝗠𝗲𝗲𝘁 & 𝗚𝗿𝗲𝗲𝘁 + 𝗗𝗶𝗻𝗻𝗲𝗿 𝘄𝗶𝘁𝗵 𝗠𝗿. Tsepav Terhemba .

📅 Date: Saturday, 22nd August 2026
⏰ Time: 3:00 PM
📍 Sent to the selected participants

𝑪𝒐𝒎𝒆 𝒑𝒓𝒆𝒑𝒂𝒓𝒆𝒅 𝒕𝒐 𝒍𝒆𝒂𝒓𝒏, 𝒄𝒐𝒏𝒏𝒆𝒄𝒕, 𝒂𝒔𝒌 𝒒𝒖𝒆𝒔𝒕𝒊𝒐𝒏𝒔, 𝒏𝒆𝒕𝒘𝒐𝒓𝒌 𝒂𝒏𝒅 𝒖𝒏𝒘𝒊𝒏𝒅.

We’ll see you in the room!

Address

Suite D1, 3rd Floor, Iyemi Plaza, Plot 12345, Ebeano Supermarket Street, Off Gudu Junction
Abuja

Telephone

+2348164070369

Website

http://www.cruzwiseconsult.com/

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