Luma CFLUMA CFOO

LUMA CFO is a Singapore-based accounting and advisory firm built for SMEs and foreign-founded businesses who want more than just compliance.

We handle the full spectrum of corporate services under one roof — company incorporation, corporate secretarial, accounting and bookkeeping, corporate tax and GST, payroll, and fractional CFO advisory. No need to juggle multiple providers or chase different contacts for different services.

What sets us apart is our approach. Most accounting firms stop at filing your numbers. We go further — helping business owners actually read their financials and use them to make smarter decisions. Whether that means understanding your cash flow, spotting where margin is being lost, or planning ahead for growth, we connect your numbers to your business strategy.

Our team holds CA Singapore, FCCA, CPA, CIA, and Chartered Secretariat credentials, with backgrounds from Big 4 firms and public accounting. We bring that level of expertise to SMEs and growing businesses at a fraction of the cost of a full-time CFO.

We work with:
- Foreign founders and expats setting up in Singapore
- Local SMEs across F&B, retail, professional services, and tech
- Growing businesses that need accounting, tax, and advisory support as they scale

Based in Singapore. Serving clients across all industries. Services: Company Incorporation, Corporate Secretarial, Accounting and Bookkeeping, Corporate Tax, GST, Payroll, Fractional CFO Advisory.